vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital LLC/ Third Party Affiliations In Pursuant of 15 U.S. Code 1692 ( a ) Congress finds there is abundant evidence of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasion one 's privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Calls at least once a day, morning, afternoon and evening seven days a week. Calls are never from the same number. The few times that I answered I was told that I was being sued and asked for my current address to be served. They were rude and abusive so I stopped answering. This has been going on since XXXX or XXXX. They have contacted my father and other members of the family stating that I will be served and possibly arrested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I spoke with XXXX I spoke with another individual that told me his name was XXXX with a completely different voice. I talk to XXXX and someone that goes by the name of XXXX. On every occasion through emails or phone calls it's been a run around of the checks in the mail then I get an email saying oh well your accounts closed your money is safe we'll send a check out to you within 30 days all the while and ask them to expedite that to me or to transfer to an outside account and can not get nothing done with them they say they're going to do it and then I get an email stating that they didn't do it but that they're going to do it. XXXX was very unprofessional incompetent at a minimum regarding his job to help me as a banking customer all I kept doing was reading baseball off a screen or script stating what your accounts closed this that and this and it had nothing to do with the issues of them getting me my money. There's already fraud on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK
State: NC

Complaint narrative:
I recently filed a cfpb complaint ( XXXX ) on my issues with XXXXiscover Financial Service on an alleged debt that they are continuously trying to collect. I have sent them a cease and desist asking them to cease all communication unless it pertains to the validation of such debt. However, I am still receiving communication from them via email on matters that do not pertain to the complaint or alleged debt validation. I would like all further communication from Discover Financial Services to be in writing and sent via postal mail or directly through the cfpb complaint that is currently open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
DEPTOF EDXXXX Third Party Affiliations In Pursuant of 15 U.S. Code 1692 ( a ) Congress finds there is abundant evidence of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasion one 's privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc
State: IL

Complaint narrative:
Hello my name is XXXX XXXX, chime back in XXXX took {$200.00} from me putting me in the negative {$200.00} then back in XXXX there ways - {$300.00} then they blocked my purchases XXXX of them way my internet bill for {$240.00} then the other was a charge to XXXX which was a gift for my younger sibling, then another was a train ticket though XXXX which was for my mom to come visit me at my new apartment, I contacted chime customer service and they said there was something that zapped my card for the {$200.00} tried to say it was a subscription which it wasn't because the one they claimed it was wasn't due tell mid XXXX and it was for {$100.00}. I closed the account because I was tired of the lies and fraud claims I want something done

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
On XXXX I made a payment of XXXX to an incorrect vendor. ( XXXX credit card services ) the XXXX card was actually " closed ''. However, The money was debited from my account on XXXX. After filing notarized documents, XXXX plus phone calls, being told that my claim is now being handled by a 3rd party ( XXXX  ) I still have not be returned the funds. I made the initial mistake... I can't imagine I am the first person to ever do this. I would appreciate the funds be returned. I would be glad to provide any other needed information.

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 monetary relief
Consumer complaint received 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The unverified account listed below continue to report on my credit report in violation of federal law. These account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The unverified account listed below continue to report on my credit report in violation of federal law. These account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The unverified account listed below continue to report on my credit report in violation of federal law. These account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXXXXXX 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 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 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 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 XXXX EXPERIAN XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX EXPERIAN 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : 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 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 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 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 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 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 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 XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is not a duplicate. 

XXXX XXXX XXXX has not answers to this complaint properly. XXXX I filed this complaint 30 days ago and it has not been responded to by the collection agency to any credit bureaus, or the CFPB, or me. It has been over 30 days and this awful violation that occurred via a letter The XXXX XXXX XXXX sent me referencing bogus laws, and coercing me into not disputing and accused me of furious disputing which is illegal and Im breaking the law! I demand the CFPB address this complaint for it has been over 30 days and the furnisher of the letter keeps manipulating the system and the complaint is being concealed. I demand this be addressed today! This was the first complaint with the damming letter sent to me attached! ( XXXX ) over 30 days ago!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is not a duplicate. 

XXXX XXXX XXXX has not answers to this complaint properly. XXXX I filed this complaint 30 days ago and it has not been responded to by the collection agency to any credit bureaus, or the CFPB, or me. It has been over 30 days and this awful violation that occurred via a letter The XXXX XXXX XXXX sent me referencing bogus laws, and coercing me into not disputing and accused me of furious disputing which is illegal and Im breaking the law! I demand the CFPB address this complaint for it has been over 30 days and the furnisher of the letter keeps manipulating the system and the complaint is being concealed. I demand this be addressed today! This was the first complaint with the damming letter sent to me attached! ( XXXX ) over 30 days ago!

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 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have submitted my FTC report to Equifax on more than one occassion. Per my attached document of my FTC report you will see that this was done on XXXX, todays date is XXXX and i am still making the same claim. which is more proof than enough thatEquifax has failed to honor my rights as i have asserted them on more than one occassion. I have contacted them via phone as well mail. i have proof via usps that shows thatEquifax has in fact received my disputes along with my identity theft reports. I have been a victim of identity theft and there has been unauthorized usage of my social security number and my information XXXX XXXX inqury are violation my rights, XXXX, XXXX XXXX, XXXX and XXXX XXXX are violating my rights. The companies listed do not have authorized use of my social security number amongst the credit reporting agencies ( equifax, XXXX and XXXX  ). I have in fact been a victim of the equifax security breach as well as the XXXX data breach which they too did not have authorize use of my social security. Now i am living my life in fear and in default because of someone else and there hiccups. i have made numerous attempts to get Equifax n to ratify this and honor my rights as a consumer which has been avoided. the said items within this complaint cfpb i would like for you to have Equifax do their job and block and delete these items from my credit report. they are causing me unspeakable harm. at my age i want to relax and live out my days vs of being in fear of being a captive because someone has my information and is using is without authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
Affirm inc- {$110.00}, inform them to communicate by mail and verify information through mail. 
XXXX XXXX- {$500.00}, informed them to update me with verification documents through mail

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: NC

Complaint narrative:
DiscoverCard tagged XXXX as a duplicate which is in violation of law for falsifying data reported to a U.S. Government website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: NC

Complaint narrative:
Discover card illegally tagged this dispute as - duplicate and failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
This dealership is full of CROOKS!! I bought a truck with XXXX miles on it, the transmission blows after just 2 months, they just wash their hands taking no accountability saying they only cover 1 month, XXXX miles to pass me off to their incompetent Ally insurance company, and nightmare of roadside assistance that was called, I have had the Ally Warranty company lied to me no less than 3 times as their representative yells at me over the phone to hang up! The roadside assistance lied just as many times, and failed to retrieve my truck at least 3 times. They were never even the one to tow my vehicle as it was finally given a tow 4 days later, after I was informed it would be towed within 50 mins. These people are dishonest, and have zero credibility behind their word! They just wash their hands of you have any issues with their hobbeled vehicles as I call them first with my issues while they just shuffle me off to others! I have lose 2 days of work calling them, having them give me no issues, as my truck is now out for 2 weeks and still not repaired!!! The loan, and product they sold me are an absolute scam!!!

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 monetary relief