vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-26 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: Auto Acceptance, LLC
State: MI

Complaint narrative:
On XXXX XXXX  my husband XXXX and myself went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  .We bought a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Three days my husband took it to his mechanic and he told us the motor was blown we took it back to the place we got it from and the lady there told me i should have took it to the mechanic before we bought it. the guy who sold it to us wasn't in he had XXXX. The car is burning oil. We ca n't drive it any where without having to put oil in it. Blue smoke is coming out of the tail pipe. They had not changed the oil in the car before they sold it to us or anything. We took it to the other XXXX XXXX on the XXXX  to talk to the manager and he said he couldn't give us our money back, because we had had the car for seven days, but he knew that his mechanic had came over to the place we bought it from that friday on XX/XX/XXXX and put 2 quarts of oil in the car, because you couldn't read anything on the dipstick XXXX XXXX gave us an appt to check the car out XXXX and he wasn't kind enough to give us a loaner car while they serviced our car. we have never been treated so bad by a car dealership before.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-26 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: OH

Complaint narrative:
On XXXX XXXX XXXX there was a total of XXXX unauthorized charges on my Chime account. I have disputed this a total of 4 times and every time it was denied. My son has an account with XXXX XXXX and I sent to Chime the screen shot of his purchases in XXXX, I have talked to support at XXXX XXXX and they arent seeing the charges on the account so it was charged from a different account and Chime is not taking the proper steps in investigating. They said because I have authorized my son to use the card to make a purchase before that they are denying the claim. That is bogus because its fraud. The total is XXXX  I dont think that they are actually investigating because they are quick to deny the claim even with the screen shot that I sent to prove that it wasnt done by my son. I am closing my account with Chime as soon as I get the new card in the mail to be able to withdraw my money. Its not a safe place for my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I am writing to bring to your attention a concerning incident related to the recent repossession of my Honda vehicle financed through Honda Financial.

I was unexpectedly notified of the vehicle pickup while I was away for work, despite prior agreements with Honda Financial to wait for my payment once I resumed work. During the repossession, valuable items were left in the vehicle, including a XXXX XXXX, a XXXX XXXX XXXX, a new pair of men 's boots, a XXXX XXXX tablet, charging cables, a charging battery charger in the trunk, a wallet with {$160.00}, IDs, credentials, and my passport.

Despite assurances from the person picking up the vehicle that he would retrieve and hand over these items to my XXXX  mother, he left without doing so. This situation has caused significant distress, as not only have personal and work-related belongings been taken, but there was also a breach of trust in the handling of the situation. 

I kindly request your assistance in investigating and rectifying this matter promptly. Your attention to this issue is greatly appreciated. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-26 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: MA

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I had two transactions that were disputed that were also reversed which resulted in my account being negative and restricted because it was past 56 days negative. I've provided the proof for these accounts one was XXXX XXXX which was a closed account due to fraud/stolen device so I disputed the charge associated with this account and also sent the email confirmation from XXXX representative stating this account was closed and reported as theft. I still haven't seen my credit given back for the reversal of my original dispute. And the other was for a XXXX hold that never dropped from my account. The general manager had indicated that charge should fall off but it never did. Claim XXXX and XXXX XXXX XXXX Charges currently in dispute Claim XXXX. Capital One is refusing to approve these claims despite me providing the correspondence I had with both of the merchants. I don't know what else to do. The customer service reps are refusing to acknowledge these unauthorized/fraud transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have asked TransUnion 3 separate times to conduct an investigation into several accounts on my credit report that I believe are inaccurate. Each time TransUnion sent me an automated computer generated response saying they do not believe the request was coming from me. Every time I provided Proof of ID and Proof of Address and they refused to do so. They have consistently violated my rights under the Fair Credit Reporting Act and should be held accountable for this.

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 2023-12-26 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: Lendmark Financial Services
State: PA

Complaint narrative:
For 4 months XXXX XXXX  stopped paying my loan hough landmark financial, neither party contacted me until 3.5 months later landmark called and asked why haven't you paid several months and the same rep knew it was XXXX  that was not paying and well aware that they were the ones to call not me. They said we folded several months payments on the back of your loan to protect your credit which they had me sign a form at their office. Both parties at this are liars I feel. XXXX said they now needed 20 yrs of employment history for an excuse to not pay, the rep said your good to go now As my XXXX XXXX  signed on XXXX  in XXXX, XXXX, & XXXX Now they say I'm on XXXX & have $ to Pay a complete lie which I'm not, to even stall further on paying putting my credit in jeopardy & a possible repo. XXXX XXXX XXXX XXXXXXXX XXXX & landmark is XXXX XXXX XXXX claim XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To whom it may concern, We spoke to a representative today, XX/XX/XXXX. Here are the documents the representative requested us to send for the investigation of the fraudulent use of the {$500.00} gift card used at a business named XXXX XXXX XXXX. 

As was explained on the phone, since this was an anonymous gift card, we do not have the receipt of purchase of the gift card. The representative said she would note this and that it would not be needed to conclude the case. 

Thank you, XXXX XXXX Unauthorized Transaction - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sirs, We activated a {$500.00} gift card on XX/XX/XXXX. A criminal stole the entire amount with an unauthorized transaction to XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX. We reported this crime as soon as we were aware of it around XXXX. The representative at that time told us to call back in 30 days in order to allow your fraud department to investigate and resolve the matter. 

We called back today, XX/XX/XXXX. XXXX took the call. She said that we now have to wait 45 - 90 days for a resolution to this case. Please let me know why the time to resolve has increased from 30 to potentially 90 days. 

Finally, please confirm receipt of this message. 

Thank you, XXXX XXXX XX/XX/XXXX XXXX with XXXX : He confirmed that the files were received on XX/XX/XXXX. He stated that there were another 30 days more to resolution. 
Asked why my XX/XX/XXXX email was not responded to. XXXX said we will get a response in XXXX hours ( by XX/XX/XXXX ) and to call back if it is not received. 
XX/XX/XXXX XXXX with XXXX : She said the case was raised in XXXX. I informed her that it was raised in XXXX. She said this will be raised as a priority with her supervisor and we will have a response in a few days. I told her that I feel that each representative has given me the run around and that I dont want to report Vanilla to a government agency as a fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
My mom owes some sort of debt, but I am limited/no contact with her. As of today ( XX/XX/ ), Midland Credit Management has attempted to call every single day since XX/XX/ at times ranging from XXXX to XXXX, but leaves no voicemail. They are equally harassing my brother and my grandmother, who has said they do leave him voicemails saying this is debt attempted to be collected for my mother. The call originates from a new number each time as so that I can not block the caller. I can not get her to pay her debt, and I am not her spouse so I should not be subjected to this harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: KY

Complaint narrative:
This notice is to inform you that PORTFOLIO RECOV ASSOC has unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F that went into effect XX/XX/, PORTFOLIO RECOV ASSOC has violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. I sent them a Cease and Desist letter over a month ago and they are still calling and harassing me from a lot of different numbers throughout the day and evening. I do not know who they are. They have not provided any required documents or contract to prove that I owe them anything. This harassment needs to stop. They have no permissible purpose by law to contact third parties with my private or personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
On the morning of XX/XX/ i woke up with three unauthorized inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  from Experian I've tried calling XXXX and Experian to get this resolved but was not successful. A security freeze was placed on my account with XXXX. I did not authorize any of these inquiries nor have i applied for anything that would run my credit.

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 2023-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act, the list of accounts below have violated my protected consumer rights to privacy and confidentiality under 15 USC 1581 ; XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 ) Aperson 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 2023-12-26 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: GA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act, the list of accounts below have violated my protected consumer rights to privacy and confidentiality under 15 USC 1581 ; XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 ) Aperson 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: NV

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2023-12-26 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:
Account - XXXX XXXX Bankruptcy number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to my 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 2023-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
THIS IS NOT MY DEBT THIS DEBT DO NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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