vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-05 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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 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.

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 2022-10-05 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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2022-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XX/XX/XXXX A " XXXX XXXX '' called and my son regarding case number XXXX and threated to go to my place of work to arrest me. They used my married name. There is nothing in my credit report that applies to the debt they are claiming. I don't know what it is regarding. I was contacted on XXXX with a similar call and no threats. The company was LVNV Funding LLC over a debt from XXXX in XXXX. I have never had anything in collections from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
On XX/XX/XXXX I was notified that my credit score had dropped by XXXX points due to overcharging my credit limit on my Bank of America card. On XX/XX/2022. I made an online payment of {$12000.00}. which then put my account at XXXX. My due date for payment was not until XX/XX/XXXX of XXXX. On XXXX XXXX Bank of America pulled another {$12000.00} out of my bank account. I called BOA and XXXX XXXX Bank to stop them taking another {$12000.00} out of my account which I did not authorize. 
I called BOA on that day and given a supervisor name and email to send a copy of my statement showing the money was taken. She was suppose to call me back and i never heard from her. she insisted that the statement showed my balance and other personal information that I was suspicious of. I sent her the info she needed to return my money within three days. I sent the email on XX/XX/XXXX to : XXXX Never heard a response from her, or return my calls as promised. 
I called again on XX/XX/XXXX was hung up on then could not get through to a human after several calls. On XX/XX/XXXX, The first was XXXX from Texas, who had me give her my bank acct number my bank routing number and a lot of other information. when she gave me the information back she kept changing the routing number to a different bank. then she told me I could not change my bank routing number because that was the one on file. I looked up the Bank Routing number and it was for A XXXX XXXX XXXX  that I never heard of. I spoke with three different representatives one named XXXX told me the only way they could return my money was by check and that would take up to 90 days to get a check. I asked to speak to a supervisor was routed to another person and left my phone number for someone to call me back. I have made so many calls to BOA I only get excuses. One tells me the money will be in my account in three banking day. Did not show up. I call again give them all my information and then told to wait another 10 days. It is now 18 days and they just told me it will take another 30 days to get my money back. Now it does not even show as a credit on the account. The money is no where. not in my Bank and BOA took the additional payment off my account. 
There is something very wrong about the way they do business. I want my money returned yesterday.

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 2022-10-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I called a number on XXXX that was supposed to be for XXXX and was scammed by the person who answered my call. During the call he gained access to my bank account and took almost {$4000.00} out of my account. When I reported what happened to the Bank of America they would not refund me the money I was scammed out of.

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 2022-10-05 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: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Regional Acceptance Corporation received a check in the amount of {$740.00} and even though there was no writing on the check for " principal only ' XXXX cashed the and applied it to the principal which has made the loan past due and collecting daily interest. I have asked for the payment to be applied properly as the letter enclosed with the check says it is to be applied to the loan as well. 

Thanks.

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 2022-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
In XX/XX/2022 I requested a copy of my MPN from Navient. I received an illegible copy approximately a week later by mail. I requested another copy of the MPN, this time with specifics that it is clear and legible, as the copy I first received was reduced in size to approximately 70 % of the original XXXX XXXX '' x XXXX ''. In mid XXXX I received another copy identical to the first, reduced in size and illegible. I made a third request in XXXX and, to date, have not received a copy, either blurry or clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: NC

Complaint narrative:
I recently received a letter from my previous mortgage company that my social security number, name and other information was stolen. I received the letter in the mail today, dated XX/XX/XXXX, XXXX they informed me that my information was stolen. last year around XX/XX/2021, i filed a police report and id theft report because i was afraid of something like this. I sent out ftc reports and a police report to the three credit bureaus asking them to remove certain accounts from my credit reports, including XXXX, XXXX XXXX XXXX XXXX XXXX, bank XXXX XXXX XXXX XXXX XXXX XXXX. the credit bureaus are allowing these accounts to pop back up on my report. i already told them i was the victim of fraud and id theft and i expected them to remove the files and block them from coming back on there but that is not the case. recently, i noticed someone tried to apply for a mortgage in my name through transunion. transunion said i have a fraud alert but that is not helpful. i am supposed to have one foXXXX XXXX  but that does not seem to be the case because someone keeps accessing my credit files even with fraud alerts and none of them are not working so well. i called XXXX XXXXoday about this, they transferred me to so many different people. the person who is supposed to handle my case never called me back. I left him a voice mail and he never returned my calls which is sad. XXXX did not do anything at all for me to remove any accounts i requested.

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 2022-10-05 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:
I recently received a letter from my previous mortgage company that my social security number, name and other information was stolen. I received the letter in the mail today, dated XX/XX/XXXX, XXXX they informed me that my information was stolen. last year around XX/XX/2021, i filed a police report and id theft report because i was afraid of something like this. I sent out ftc reports and a police report to the XXXX credit bureaus asking them to remove certain accounts from my credit reports, including XXXX, XXXX XXXX XXXX XXXX XXXX, bank XXXX XXXX XXXX XXXX XXXX XXXX. the credit bureaus are allowing these accounts to pop back up on my report. i already told them i was the victim of fraud and id theft and i expected them to remove the files and block them from coming back on there but that is not the case. recently, i noticed someone tried to apply for a mortgage in my name through XXXX. XXXX said i have a fraud alert but that is not helpful. i am supposed to have one for XXXX but that does not seem to be the case because someone keeps accessing my credit files even with fraud alerts and none of them are not working so well. i called XXXX today about this, they transferred me to so many different people. the person who is supposed to handle my case never called me back. I left him a voice mail and he never returned my calls which is sad. equifax did not do anything at all for me to remove any accounts i requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: IN

Complaint narrative:
XXXX XXXX XXXX and the credit bureas are deliberately reporting inaccurate information to damage my credit profile. I was never 60 days late on any payment as indicated by XXXX. You can not report of XXXX late without a XXXX late payment reflected. This is inconsistency in credit reporting, and deliberate act to sabotage my credit profile Also, XXXX XXXX XXXX has falsely claimed a XXXX late payment for the month of XXXX. Please see attached screenshot showing proof that the payment was paid before the 30 day mark. 

XXXX is reporting 3 consecutive months of late payments, which again is inaccurate, and goes against the fair credit reporting act.

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 2022-10-05 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: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX, and the credit bureas are deliberately reporting inaccurate information to damage my credit profile. I was never 60 days late on any payment as indicated by Equifax. You can not report of XXXX late without a XXXX late payment reflected. This is inconsistency in credit reporting, and deliberate act to sabotage my credit profile Also, XXXX XXXX XXXX  has falsely claimed a XXXX late payment for the month of XXXX. Please see attached screenshot showing proof that the payment was paid before the 30 day mark. 

XXXX is reporting 3 consecutive months of late payments, which again is inaccurate, and goes against the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The below inquiries are showing on my credit report and I did not make them. I need these removed as it's fraudulent. 

XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX/XXXX/2022

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 2022-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: NJ

Complaint narrative:
XXXX has sent me to collections for a debt that is not, and is impossible to be, mine. This is for an account that I have since transferred and closed. It is being claimed that this account was closed in XXXX of XXXX, when I closed the account three years prior. I have a screenshot of that account closure. 

I have documentation that I had transferred my service from XXXX XXXX XXXX in XXXX XXXX to XXXX XXXX XXXX as of XX/XX/XXXX. 

I could not have had service in two places at once. 

Furthermore, I have also attached an account closure notification for the jersey city account on XX/XX/XXXX. 

In XXXX 's letter, the info graph of gas usage was zero for all of last year, and then somehow restarts in XXXX of XXXX. There is no explanation for this, i have not lived at this address for 4 years. 

The collections agency said this debt is valid because it's in my name. I sent them my documentation and they claim there is nothing they can do. 

It is clear to me that someone on XXXX 's end failed to close my account properly, or it was reopened under the last known resident. Either way, this is not my debt. I have not lived at this address in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: First National Collection Bureau, Inc.
State: GA

Complaint narrative:
My husband and I divorced XXXX/2019. We did not accumulate any debt together. First National Collection Bureau XXXX has been harassing me about a debt belonging to my ex husband. In my divorce decree we listed our creditors. I do not have an account with this company nor have done business for this company to contact me and harass me. They have left obscene messages on my personal phone. They stated they are attempting to collect a debt which is a violation. I am not who they are looking for yet they have violated me by telling me my ex owe a debt. That is not my problem it is a their problem. I have ask a representative not to contact my phone bc by law my ex husband husband is legally living separate lives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NE

Complaint narrative:
XX/XX/2021, i was contacted by Fed Loan Servicing to start a payment plan on my student loan account. I was ordered to pay XXXX to enroll in the XXXX XXXX program. I checked my student account to see if any payments were made, and there's yet to be any made. I see that they are taking XXXX a month out of my account as well. I was told by a student loan processor that i should NOT have to pay money out of my pocket in order to be eligible for this program. Making me believe i have been scammed by cornerstone. I would appreciate it if you guys took a look into this. And I'm hoping i can get reimbursed for the XXXX and also help applying for a new legit student loan advisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The below inquiries were not made by me. Request for removal, second request. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05 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: TX

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. 

Account name XXXX XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX BANK SS XXXX Account # XXXX Account name : XXXX BANK XXXX Account # XXXX Account name : XXXX BANK, account XXXX XXXX Account name XXXX XXXX XXXX account # XXXX Account name : XXXX BANK, account # XXXX Account name : XXXX, account # : XXXX Account name : XXXX XXXX SERVICES, account # XXXX Account XXXX : XXXX XXXX SYSTEMS XXXX, account # XXXX Account XXXX XXXX XXXX XXXX XXXX, account # XXXX Account name : XXXX XXXX XXXX, account # XXXX Account name : 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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-XXXX ( A ) ( XXXX ) 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 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax reporting inaccuracies on my credit report the third time and keep hurting my score it was remove from my credit profile XX/XX/22 and was report back XX/XX/22 in less than 24 hours

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Fraudulent account opened in my name in XXXX of XXXX. I have been disputing this since XXXX when I found out about the account. I have sent police report, Identity Theft Affidavit and multiple demand letters requesting proof of ownership. All have gone ignored. I sent a cease and desist on XX/XX/XXXX to stop the harassing phone calls, emails and mail being sent to me in an attempt to collect on this fraudulent account. This was received by them on XX/XX/XXXX, however, a statement was then mailed on XX/XX/XXXX and more phone calls. A direct violation of the Cease and desist. They have also violated my rights under FCRA by ignoring my request for proof of ownership of debt. I am beginning the paperwork to file a lawsuit against this company for harassment and violation of rights under the Fair Credit Reporting Act. They have also added this account back to my XXXX Credit report after it was removed dropping my credit score dramatically. Added additional fees and continued collection attempts.

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 2022-10-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
Hello, I paid a settlement offer to Javitch and Block XXXXPayment for XXXX XXXX They refused to give me a valid receipt, saying that there is a 14 day hold on my payment, they have the money the amount is gone out of my bank as of today. The company refused to answer the phone to communicate. Their website has an email. I even tried to communicate by email and without success they never returned or replied. 
1. wont answer the phone 2. wont email me a valid receipt but have my money 3. They stated they can not give me a receipt until XX/XX/22 4. Not sure this is a legit company.

5. Wont return emails, calls, nothing They state it is the company policy to not send emails out to consumers so they cant send me a receipt for my money. 
They wont give phone extension to follow-up and they refuse to follow-up

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