vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-25 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
I lived at XXXX XXXX XXXX XXXX XXXX, Texas I moved there to be close to campus with my girlfriend and her twin sister. We all signed the lease under the impression the building was a non smoking building as it states in the lease after months of going back and forth with management there pleading with them on the use of drugs in the building and the constant smoking of cigarettes and weed every day in this building I was advised the issues were being addressed because I am a severe asthmatic after weeks of this promise from the office management XXXX and XXXX they agreed to not charge any balance. If the key was returned the key was returned, and I never thought anything of it because I had already been advised that I wouldnt be charged now it is reflected on my credit negatively and Im getting constant notifications from the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) a creditor may not treat a payment on credit account under an open end consumer credit plan as late for any purpose Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-25 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: CIBC BANCORP USA INC.

Complaint narrative:
Cibc aswell as XXXX XXXX refuses to reimburse me for transactions not authorized. 

THEY ARE MAKING ME WAIT 56 days to get a response. First they said 2 business days then its 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: FL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV Funding LLC for Violating my Rights and Illegitimate Debt Collection LVNV Funding LLC regarding their unlawful debt collection practices and their disregard for my rights as a consumer. 

Recently, I became aware of a debt that LVNV Funding LLC claims I owe, but I firmly believe this debt is a result of identity theft. I have taken all necessary steps to rectify the situation, including reporting the identity theft to the proper authorities and placing fraud alerts on my credit reports. 

Despite my efforts to resolve this issue, LVNV Funding LLC continues to aggressively pursue the collection of this debt without providing any substantial evidence or documentation to support their claims. Furthermore, they have not acknowledged the possibility of identity theft or taken any steps to investigate the matter independently. 

I would like to bring to your attention the following violations of my rights : XXXX. Violation of My Right to Verification : According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt within 30 days of receiving their initial notice. However, LVNV Funding LLC has not provided any valid supporting documentation verifying this debt despite multiple requests. 

XXXX. Ignoring the Dispute Process : The FDCPA also grants me the right to dispute the debt in question, and it is the responsibility of LVNV Funding LLC to investigate and respond to my dispute. However, they have blatantly disregarded this process and continued their relentless collection efforts. 

XXXX. Pursuing an Illegitimate Debt : As mentioned earlier, I have strong reason to believe that this debt is the result of identity theft. LVNV Funding LLC has failed to conduct a thorough investigation into the legitimacy of the debt, which is a direct violation of the provisions laid out by the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I set up Autopay when I first got this CC a few months ago. I was charged fees when Autopay did not complete my initial payments, and then this past statement my bill was deducted from my checking account twice, causing lots of problems. BOA has said they will refund the duplicate payment ( up to 14 business days ), which is not acceptable. They also could not explain why this happened or if it will be solved in the future.

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 2023-09-25 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Dear Sirs, For several months now I have been doing everything I can to work with Capital One bank N.A to clear up a set of expensive unauthorized fraudulent charges from my bank card I hold with them. The charges ( and a very large attempted charge not shown ) all took place on or around XX/XX/2023. I was alerted by the bank to only ONE charge ( for over {$3700.00} ) at an XXXX XXXX  out of our area which I immediately replied to " NO '' it was not me and they declined that one. However I was not alerted to any of these other charges of a very odd nature and out of our area and I had no chance to prevent those for some reason. When I inspected my account records online right away I saw these other charges ( listed in attached and below ) but my dispute of the charges and the refunds were REVERTED by Capital One and put BACK on my account. They claim somehow I /we benefited from the charges but that is IMPOSSIBLE and did NOT happen!!

I have taken several steps to refute this action by Capital One, including an attorney letter ( attached ) to ask Capital One to HONOR their Fraud Protections as advertised, but they have stopped responding to any correspondence and are very hard to work with. I also opened a police report shortly after these charges happened, and that case remains OPEN and underway, with some evidence having been collected and I know this includes images of the fraudulent transactions being made by some other person. However Capital One has done nothing to get this information from the police and has taken NO action on it when I gave them the Police report case number/info. I am asking for this to be fairly corrected as we did NOT make the charges and can not have benefitted from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-25 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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

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 2023-09-25 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: IL

Complaint narrative:
I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LoanCare, LLC
State: NY

Complaint narrative:
In XX/XX/XXXX we were offered general terms of a Mortgage Modification from LoanCare with a new monthly payment. We accepted these terms, and as instructed started making this payment on XX/XX/XXXX and have continued to pay monthly as instructed. The record of these payments is noted in our payment history. 

XXXX became our loan servicer effective XX/XX/XXXX. XXXX is saying they never received the paperwork from LoanCare ; LoanCare is saying they sent everything in XX/XX/XXXX. 

Our loan in now being reported as delinquent. It is not yet our credit scores have decreased over 100 points due to their combined incompetence.

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 2023-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After reviewing my latest consumer report, I have identified the inclusion of bankruptcies that reporting. I am aware of a violation of 15 U.S. Code 1681a ( 4 ), which pertains to the Consumer Right to Privacy. Specifically, it has come to my attention that these bankruptcy claims should not be on my credit report, and furthermore, it appears that my personal information has been used without my consent. The use of my information without consent is identity theft. I am a victim of identity theft, and as such, there are criminal and civil liability associated with these discrepancies. I will pursue to next elevated action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The Items I need deleted are listed In the report. I am a victim of identity theft and did not make the charge. In accordance to the FCRA I ask that the items be deleted immediately to correct my credit report. I reported the theft of my identity to the federal trade commission an I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.

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 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I would like to close my Huntington Business 100 Account. It has a XXXX balance. Unfortunately, after I spoke with a representative on the phone and on chat, they said that I must go in branch to close my account. There are no branches within 50 miles away from me at least, and the closest is over a couple of hours away. I am asking Huntington to simply close my account without making me drive hours to close in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I filed a Bankruptcy XXXX XXXX in XX/XX/XXXX, at US Bankruptcy Court - XXXX XXXX XXXX Case number XXXX ; on XX/XX/XXXX, I received an Order of Discharge Letter from the Court, and contacted XXXX XXXX XXXX, Bankruptcy Department explain what had happened and I wanted the bank to begin reporting the payments it was making on the mortgage loan number XXXX from XX/XX/XXXX, XXXX, since they had reinstated my loan and I had begun making my monthly payments since XXXX XXXX specialist from XXXX XXXX XXXX Bankruptcy Deparment named XXXX , told me me not to worry, that the next day the system would update all the information because they already had the discharge order letter from the court. I waited one mores week and nothing happened, on XX/XX/XXXX, I called again, and spoke with a person named XXXX, and she told me that the XXXX XXXX XXXX  had no obligation to report my loan payments to the different credit bureaus and that was the case as it happened.

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 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I filed a Bankruptcy XXXX XXXX in XX/XX/XXXX, at US Bankruptcy Court - XXXX XXXX XXXX, Case number XXXX ; on XX/XX/XXXX, I received an Order of Discharge Letter from the Court, and contacted XXXX XXXX XXXX, Bankruptcy Department explain what had happened and I wanted the bank to begin reporting the payments it was making on the mortgage loan number XXXX from XX/XX/XXXX, XXXX, since they had reinstated my loan and I had begun making my monthly payments since XXXX XXXXA specialist from XXXX XXXX XXXX  Bankruptcy Deparment named XXXX XXXX told me me not to worry, that the next day the system would update all the information because they already had the discharge order letter from the court. I waited one mores week and nothing happened, on XX/XX/XXXX, I called again, and spoke with a person named XXXX, and she told me that the XXXX XXXX XXXX had no obligation to report my loan payments to the different credit bureaus and that was the case as it happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 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: 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 has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 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: 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 has violated my rights. Or a 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 explanation
Consumer complaint received 2023-09-25 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: OH

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.

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 inructions 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