vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from Carvana, trusting their advertised XXXX inspection and XXXX warranty through XXXX. Within the first 30 days of ownership, I encountered several issues : First Issue ( XX/XX/XXXX ) : One hour after purchase, a part of the undercarriage fell off and scraped the ground. The mechanic identified it as a broken oil access panel. 
Second Issue ( XX/XX/XXXX ) : One week later, the tail light was cracked. XXXX honored the repair. 
Third Issue ( XX/XX/XXXX ) : The car began shaking during acceleration. The mechanic discovered unaligned tires. While partially addressed, the shaking persisted. 
Fourth Issue ( XX/XX/XXXX ) : The car continued to shake, requiring another mechanic visit. 
During these visits, the mechanic discovered severe rust on the undercarriage and brake calipers, compromising the vehicles safety. This rust was not disclosed in the XXXX inspection, which Carvana certified as complete. Additionally, the XXXX report provided at the time of sale did not mention this structural rust. 

XXXX has denied warranty coverage for addressing the rust, claiming it is " cosmetic, '' despite its potential to cause caliper or structural failure. I have paid multiple deductibles for repairs and alignment out-of-pocket, and these safety issues remain unresolved. 

I have requested detailed explanations from Carvana regarding their inspection process and from XXXX regarding warranty coverage, but neither has provided a satisfactory resolution. I am seeking accountability for these misrepresentations and proactive coverage for the rust-related safety concerns under the warranty.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: UT

Complaint narrative:
I was scammed. Specifically a rental scam for a property that I wanted to move into in XXXX. I requested to get my money back through my bank Chime ( which is how the {$950.00} security deposit and {$80.00} application fee were transferred through ) and they said they couldn't help me. I've even been working with the police and the police said to give them the case number if they were being difficult. Chime also said they would have someone contact me about the fraud that was committed but nobody did. It's been a very frustrating experience. I was told the security deposit was refundable but the scammers obviously have not sent my money back or else I wouldn't be filing this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
To Whom It May Concern : My name is XXXX XXXX XXXX, and my reference number is XXXX. I request an immediate investigation into the improper use of my debit card and personal information. 

On XX/XX/2024, an unauthorized individual entered Citibank branch # XXXX and withdrew a total of {$9700.00}, which a manager approved. This individual made three separate attempts at the same branch between XX/XX/XXXX and XX/XX/2024, and then proceeded to XXXX, NJ, branch # XXXX, where they attempted again unsuccessfully. 



I was not contacted via text, email, or mail regarding these transactions. I discovered this deduction only when I checked my account on XX/XX/2024. Additionally, I was informed that the same representative who opened my account contacted branch # XXXX, advising them that I would be coming in. Is this standard protocol? 

I explained to the Regional and Branch Managers that I did not make this withdrawal. Despite my efforts to resolve this issue, I have repeatedly received misinformation regarding the status of my dispute. I visited a branch to have all necessary documents scanned into your database, but I was told later that they were never received. I faxed the documents after requesting them to be emailed, as I never received the Victims Account Indemnity Agreement via mail.

This situation is unacceptable and has caused me significant distress. I request a thorough investigation into this matter and prompt resolution. I expect to be informed of the status of this investigation and the steps being taken to address this security breach, including but not limited to a formal investigation to determine if my original card was shredded at branch # XXXX by XXXX XXXX. Was it protocol for her to call the branch in question? Furthermore, I would like to understand why the additional withdrawal attempts were not included in the investigation. 

This situation is unacceptable and has caused me significant distress. I request that my funds be reinstated promptly. I expect to be kept informed of the status of this investigation and the steps being taken to address this breach of security. I can not stress enough the urgency of this matter. 



Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
This account has been involved in multiple data breaches.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
This account has been involved in multiple data breaches.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX  SOLD my DEBT to this Company. THEREFORE is NO longer MY DEBT. I DID NOT ENTERED A CONTRACT WITH THEM. THEREFORE IT NEEDS TO BE REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Collections on Credit Report Dear CFPB, I am writing to formally dispute the collections reported on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. I believe that these collections are inaccurate, and I request that your office investigate the matter thoroughly. The collections in question could be possible fraudulent activity due to a known data breach in which billions of individuals sensitive personal information, including mine, was stolen by hackers. Im also a victim of identity theft from previous years back. I believe my information was compromised, making me a victim of identity theft. The existence of these collections on my credit report is unjust and has caused significant harm to my financial standing. Under 15 U.S.C. 1681, I am entitled to the assurance that all information reported about me is accurate and verifiable. Given that my identity was stolen and used without my consent, the collections associated with this matter are neither accurate nor fair representations of my financial obligations. I respectfully request that your office : Investigate the collections and accounts below in question to determine their validity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Contact the reporting agencies and collection companies to verify the accuracy of the information. Remove any unverifiable or inaccurate collections from my credit report immediately. Please note that as a victim of identity theft, I also request the CFPBs guidance on any additional steps I may take to protect my credit and hold the responsible parties accountable. The data breach law reinforces the necessity of addressing the consequences of such breaches promptly and effectively to minimize harm to affected individuals like myself. I look forward to your prompt response and resolution of this matter. Please contact me directly at XXXX if further information or clarification is needed. Thank you for your attention to this urgent matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Collections on Credit Report Dear CFPB, I am writing to formally dispute the collections reported on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. I believe that these collections are inaccurate, and I request that your office investigate the matter thoroughly. The collections in question could be possible fraudulent activity due to a known data breach in which billions of individuals sensitive personal information, including mine, was stolen by hackers. Im also a victim of identity theft from previous years back. I believe my information was compromised, making me a victim of identity theft. The existence of these collections on my credit report is unjust and has caused significant harm to my financial standing. Under 15 U.S.C. 1681, I am entitled to the assurance that all information reported about me is accurate and verifiable. Given that my identity was stolen and used without my consent, the collections associated with this matter are neither accurate nor fair representations of my financial obligations. I respectfully request that your office : Investigate the collections and accounts below in question to determine their validity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Contact the reporting agencies and collection companies to verify the accuracy of the information. Remove any unverifiable or inaccurate collections from my credit report immediately. Please note that as a victim of identity theft, I also request the CFPBs guidance on any additional steps I may take to protect my credit and hold the responsible parties accountable. The data breach law reinforces the necessity of addressing the consequences of such breaches promptly and effectively to minimize harm to affected individuals like myself. I look forward to your prompt response and resolution of this matter. Please contact me directly at XXXX if further information or clarification is needed. Thank you for your attention to this urgent matter. Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Law Offices of Timothy M. Sullivan
State: TX

Complaint narrative:
XXXX XXXX XXXX has violated Section 392.307 of The Texas Finance Code and Section 1066.26 of The Code of Federal Regulations by attempting to collect on a Time-Barred Debt. Ive received correspondences from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX both collecting on the same debt at the same time which is impractical. Neither debt collector disclosed that both accounts were Timed Barred Debt. Failure to disclose a Time-Barred Debt is a direct violation under Section 392.307 ( c ) ( e ) of The Texas Finance Code. I have filed an additional complaint with The Office of The Attorney General to further disclose XXXX XXXX XXXX business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
I hope this message reaches you in excellent physical condition. 
I am writing to bring specific inconsistencies on my consumer report to your attention specifically pertaining to billing and errors outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditor 's failure to accurately reflect a payment made by the obligator or a credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement.

To my knowledge that the creditor failed to furnish me with a statement 21 days prior which ought to render any ramifications of late payments regarding the linked account. I am in pursuit of concrete evidence from the creditors bank records that I failed to make a payment, resulting in erroneous designation as late- a sign of an invoicing error- therefore, I humbly request that the subsequent entries be prompting updated n my consumer report to reflect their current status as follows : " paid as agreed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I hope this message reaches you in excellent physical condition. 
I am writing to bring specific inconsistencies on my consumer report to your attention specifically pertaining to billing and errors outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditor 's failure to accurately reflect a payment made by the obligator or a credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement.

To my knowledge that the creditor failed to furnish me with a statement 21 days prior which ought to render any ramifications of late payments regarding the linked account. I am in pursuit of concrete evidence from the creditors bank records that I failed to make a payment, resulting in erroneous designation as late- a sign of an invoicing error- therefore, I humbly request that the subsequent entries be prompting updated n my consumer report to reflect their current status as follows : " paid as agreed ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I wrote letters asking company to validate debt owed, such as contracts signed with company, reason why I owe this company. Original creditor emailed information which states I have a 0 balance, according to transaction history. National Credit Systems in a third party debt collector who states I entered into an agreement with them to pay unknown amount of debt XX/XX/year>. Original creditor XXXX lists XXXX balance due, as of XXXX XXXX according to email sent to me by original creditor and customer portal. National Credit Systems continues to report negative activity to credit agencies which is unfair because they fail to validate information requested regarding this debt. I have made several attempts to dispute this debt in which I am told by credit agencies the debt is valid however they will not provide me information they found during the investigations to these disputes stating why this debt is valid. Letter was sent to credit agencies and National credit system numerous times some were certified. 
XXXX signed with original creditor XXXX XXXX XXXX does not have my signature, signature on list is not my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I purchased furniture from XXXX XXXX XXXX  in XXXX Texas. It was a 90-day same as cash, the account was paid in full on two different dates XX/XX/XXXX and XX/XX/XXXX. I paid all other lease payments that were scheduled to be paid within that 90-day period. On XX/XX/XXXX I paid one payment of {$75.00} and another payment of {$430.00} leaving a balance of {$250.00} which was paid on XX/XX/XXXX. All payments were made over the phone with their customer service representative on recorded calls. After that payment was made the account was closed out as paid in full. I checked the account two later and the account still showed paid in full. Now they are contacting me to collect more payments and trying to extend the lease with an increase in the balance amount by XXXX dollars. 

Acima XXXX XXXX XXXX XXXX XXXX XXXX  UT. XXXX Phone XXXX Collection XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I recently filed a complaint with Captial One Financial Corporation, complaint number XXXX, and the company closed it without accurately identifying or clarifying my actual issue. Please refer to my precious complaint for additional details. The company closed this complaint by saying it was a business need to close my accounts due to Fraud activities that weren't created or caused by me. They failed to accurately address my concerns. In my complaint, I stated that my concern was to have the negative inquiries removed from my credit report. They closed my account based on their need due to someone else committing fraud. Not me. In addition to removing this from my credit report, I want my Kohls card reopened or a new one created. I was with Kohls long before they merged with Capital One. My Kohls card was not affected by the fraud issues. They should not have closed that account. My monthly car payments are through Capital One and they didn't touch that account. They shouldn't have touched my Kohls account either. That account should still be active. So again for clarity, I want the negative remarks removed from my credit reports due to fraud not and I would like for my Kohls card to either be reopened or a new account created.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation