vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-17 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: TX

Complaint narrative:
XXXX XXXX XXXX XX/XX/2021 XXXX5 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit that was not made to the obligor or, if made, was not in the amount reflected on such a statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/XXXX - XX/XX/XXXX My name is XXXX XXXX XXXX and my property ( XXXX XXXX XXXX ; XXXX # XXXX ) has been out of my possession since XXXX XXXX due to a drunk driver hitting me from behind. I have injuries from this accident and was in therapy before my departure to XXXX, XXXX for a family death and to legalize my marriage XX/XX/XXXX. Since I was out of the country to pick up my repaired property COAF took matters on their behalf. ( I have attached vehicle repairs, therapy receipts, arrival & departure tickets, & marriage license ) XX/XX/XXXX According to Capital One Auto Finance ( COAF ) my vehicle was repossessed because I failed to redeem my options to receive my vehicle back or make such payment. I have exercised every right that I had pursuant to 15 United States Code ( U.S.C. ) 1635 ( b ) once I had returned to the United States, but COAF still took the initiative to sell my property without my written consent ( as COAF calls it an INVOLUNTARY REPOSSESSION ). 

XX/XX/XXXX - XX/XX/XXXX I sent a certified mail of a Limited Power of Attorney/Lien Certification to execute all documents. The pay-off balance {$530.00} that was due after the date of sale XX/XX/XXXX has now been issued as a Gap Cancellation Refund but I only received a check of {$190.00} for a Overpayment Refund on XX/XX/XXXX After response to my complaint through the Attorney General of Pennsylvania, COAF denied all allegations and preceded to attach records of transactions of payment history to justify the proceeds of the sale on XX/XX/XXXX. 

According to this XXXX XXXX Report there are transaction types consisting of codes and field translations. There are also definitions listed to help clarify the meaning of each transaction. 

Principal : The portion of the transaction that was applied to the principal. 

Total : The total amount of the transaction There is NO TransCode Action/Field translation available for : XXXX Tr.Code - XXXX, No Action/Field XXXX Tr.Code - XXXX, Action/Field - XXXX XXXX Tr.Code - XXXX, Action/Field - XXXX XXXX Tr.Code - XXXX, Action/Field - XXXX XXXX Tr.Code - XXXX, Action/Field - XXXX XXXX Tr.Code - XXXX, Action/Field - R COAF has committed fraud through false and misleading transactions throughout this contract according to title 15 U.S.C. 1692 ( e ). All of the miscellaneous transactions have no further explanations.The Total amount of the transaction has always been {$0.00} since the first day of the transaction up until the sale and further, unless I made a secured payment of {$370.00}. That is the only TOTAL amount listed, meaning this account has already been paid in full since the first day of the transaction history according to title 15 U.S.C. 1667 ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: OH

Complaint narrative:
Chime financial opened a fraudulent account in my name. I received an unsolicited debit card in the mail on XX/XX/22. I immediately called them on XX/XX/22 to close the and alert them of the fraudulent activity. Rather than addressing my concerns and immediately closing my account they gave me the run around and promised someone would contact us in 24 hours. This company is complicit in supporting fraud and is more interested in getting people off the phone than addressing illegal activity they are supporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I XXXX XXXX, a federally protected consumer have attached the notice that I have sent XXXX XXXX credit bureau operations team and legal department on XX/XX/2022, and a 2nd notice on XX/XX/2022 - Certified Mail # : XXXX XXXX XXXX XXXX XXXX WITH NO THIRD PARTIES INVOLVED. XXXX XXXX has received both notices and has failed to respond. This account is in dispute '' with the company '' and the company has furnished another updated inaccurate charge off account XX/XX/2022 while in dispute which is a direct violation. Please read attachments.

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 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX & XXXX XXXX Account XXXX XXXX, XXXX. XXXX  XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I been having trouble removing a fraud alert from Transunion for over 45 days. they keep giving me the run around. I want to get this done asap. this has caused me frustration.

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 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
I've been a victim of identity fraudulent Inquired on a fraud accounts has been reporting to my Experian and XXXX, XXXX XXXX XXXX XXXX, this account of XXXX XXXX XXXX  Account number XXXX opened XX/XX/XXXX Fraudulents inquires XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXXXXXX, Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX inquired XXXX, XXXX XXXX XXXXInquired onXXXX, XXXX  Inquired XXXX, XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX, Inquired XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX, XXXXInquired on XX/XX/XXXX this inquires are fraudulent requested by someone who stolen my identity, FRAUD INQUIERES

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 2022-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2022 some body called XXXX XXXX swapped my phone XXXX card and stole all my money from my Citi bank accounts. The bank declined the claim saying I did not safeguard my money.

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 2022-06-17 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: FL

Complaint narrative:
I pulled my Equifax credit report on XX/XX/XXXX and noticed that I had a repossession showing for XXXX XXXX XXXX account. This repossession date was shown as XXXX had 120 day late payments showing for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I pulled my credit report XX/XX/XXXX and noticed the repossession was gone. XX/XX/XXXX was now showing as 30 day late payment. XX/XX/XXXX was now a 30 day late payment, XX/XX/XXXX was now a 60 day late payment and XX/XX/XXXX was showing as a 120 late day payment. My credit report on XX/XX/XXXX shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a 120 day late payment. My credit report on XX/XX/XXXX shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a 120 day late payment. I pulled my credit report again on XX/XX/XXXX and it shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a 120 day late payment. I was sent a copy of my report as well on XX/XX/XXXX and noticed my payment history had changed again. It now showed XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a repossession. On XX/XX/XXXX, my report showed XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a repossession. I pulled my most recent report on XX/XX/XXXX and it shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a repossession. 

Someone keeps changing my payment history from Equifax without my permission. I have been keeping a very detailed record and the payment history is definitely not accurate nor does it match any other credit bureau, 3rd party reporting agency or the creditor records themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
Paid my Synchrony Bank Sams Club credit card in total of {$3700.00} and accidentally paid it twice resulting in the same amount as a credit. Contacted customer service and was told that it would take 7-10 business days to receive a check and there was no quicker way. I wait a week and call back to check the status. I was told that it had not been processed. I was then told that they would send it via XXXX  XXXX in 3-5 days. Requested a manager to contact me back as to why it was not processed the first time. Never received a call and never received the check. Call back a week later to find out that it was still being processed. Was told that a Manager tried to contact me but the notes said that there was some noise but nobody said anything. I never received the call and they didnt try back if they did call. Im now given the same song and dance about getting my check and someone following up with me.

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 2022-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo continues to operate under abnormal and shady practices. I received a letter on XX/XX/2022 about claim # XXXX. Previously this claim was resolved back a couple month 's ago, I was sent a previous letter from Wells Fargo Explaining they had completed their investigation and confirmed that an error DID occur. These are fraudulent transactions. Wells Fargo had stated in that letter that the previously issued credit on the CLOSED checking account ending in XXXX was resolved and that the credit was final. However now I am receiving a letter from Wells Fargo that states we have completed our research and based on the information " Available to them '' the charges were made by Me " False Accusations '' or someone who had my supposed permission. This is not true. I never Authorized these transactions. Wells Fargo previously resolved this claim and then month 's later is going back into a closed account and telling me they are going to deduct {$230.00} that they expect me to pay for fraudulent charges. on XX/XX/2022. This account has been closed for well over 90 days. I will not be paying fraudulent charges. I do not agree with this especially since Wells fargo previously sent a letter stating an error DID occur now they are counterdicting themselves. This is shady how they are treating people.

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 2022-06-17 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: Chime Financial Inc
State: KY

Complaint narrative:
On XXXX XXXX my SSDI check was deposited into my Chime checking account. All of a sudden my phone started getting really hot and I couldn't even place a call. I got a text message that {$1200.00} was deposit onto my account. Then I got a text message saying {$1200.00} was transfered to an email address. I was like WHAT!! and immediately tried calling Chime I couldn't call my phone was locked then I got another message that {$300.00} was transfered to another email address, then another for {$250.00}. That was everything I had in my account {$1600.00}!! After all this happened and I calmed down I could call Chime. The lady that answered said it had to file a dispute and I said NO stop these payments the charges are pending. She said no I had to file a dispute and she transferred me. While I was on the phone with the dispute department the charges went through. I was livid!! So I filed their dispute and was told within 10 days I would hear from them. Two days later they denied my claim. I called them back and they said they would reopen it and they had 45 days for their decision. Meanwhile I called Social Security and told them and they stopped putting my money in my account and sent me paper checks. While I was waiting on their decision and going back and forth with them they closed all of my accounts. I tried calling them again and I can not talk to anyone anymore because when I call they say your accounts have been closed and hang up. I got emails from them denying my lclaims and closing my accounts. This is so messed up. I can not even get into my accounts anymore it's like they disappeared like thar one {$300.00}, I disputed. I just.vanished. I can't even talk to anyone and I have been scammed. After doing some research on this Chime they have done this to hundreds of people. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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 XX/XX/XXXX, have all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions All of these inquires were made without my consent and I have requested verification and haven't recieved any written validations that they are supposed to be on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I XXXX am having a lot of problems with this Debt Collection Company claiming i owe a debt on a closed account on my Consumer Reports. They are saying they are the Original Creditors. I have sent several letters and at last an Affidavit Of Truth. They responded not with a rebuttal nortorized but only with a lettler. I forgot to copy my notorized Affidavit to show proof XXXX XXXX stamped the seal on it. But Acima sent a strange looking contract 2 times to me. It was for a rental property, but it also included a sectional and mattress separate debt. The 1st contrtact it was 5 pages and the second contract it was only 3 pages sent. The amounts of debt were all positive balances and not any negative balances. The total of debt was 2 different amounts. One amount was {$4300.00} XXXX and the other was {$4500.00}. They even printed my name on the signature line. It was not signed by me This Company is using profane language and obscene words to collect payments. Their logo is illegal in the letter presented to me. It is clearly Debt Collection business. 

U.S. Code 1692d - Harassment or abuse ( 4 ) The advertisement for sale of any debt to coerce payment of the debt This is fraudulent activity and this closed account has already been paid off. They are attempting to still get payments with interest which is illegal. They are not a Creditor.They are a 3rd Party Debt Collector only out to collect payments by commiting fraud.

15 U.S. Code 1692a ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

The payments on the fraudulent contract are illegal according to this law : 15 U.S. Code 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have contacted all bureaus and the furnisher to get the late payment removed from XXXX XXXX Account XXXX. This account was not late in XXXX, XXXX, XXXX, or XXXX of XXXX and there were no late payments reported during that time period. ( XXXX XXXX reported multiple false late payments after I paid the balance of the vehicle off ) In XXXX of XXXX, I was displaced by a natural disaster ( flood ). I contacted XXXX XXXX and advised them of the situation. They informed me payments were deferred for 6 months ( XX/XX/XXXX ). A payment was taken out of my XXXX XXXX  checking account without my permission & when I spoke to an accounts manager, the money was reversed back to my checking account. I paid the entire balance off the following week ( still within my 6 month deferment ) & XXXX XXXX reported multiple late payments when they should not have. This is an illegal credit reporting violation of the FCRA.

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