vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRUIST FINANCIAL CORPORATION
State: MS

Complaint narrative:
In XX/XX/XXXX, I entered into a consumer credit transaction with XXXX XXXX XXXX of XXXX, XXXX XXXX I went in to purchase a car in my business name, but unfortunately, I was not able to do that. I was informed by their Finance Manager who goes by the name of XXXX, that had to use my credit to get the car. So because I thought I was in good hands I did that. The car was financed through Truist Bank. Recently I have fallen on extremely hard times and have been unable to maintain payments. I have pleaded with Truist Bank but I couldn't seem to come to any resolution. And now they've threatened to repossess my vehicle from me. I must admit I was afraid and stressed to the max because I need my vehicle. So I went to discuss this matter with someone who is extremely familiar with these types of transactions and they told me to start researching consumer laws. Every since then I have been studying extensively. I noticed a few things were not done or were not done properly. On XX/XX/XXXX, I sent Truist Bank a Cease and Desist as well as a Validation of Debt letter by certified mail. They received the letter it on XX/XX/XXXX, it was received by XXXX XXXX. I have a copy of the letter and return receipt attached to the complaint. The Cease and Desist state a number of things, one of which is to cease all communication through ANY MEDIUM in regards to this debt. Since they have received the Cease and Desist they have not abided by it. They have called me numerous times since receiving the letter, I have it documented. Since they have not abided by my request which states they have to be Federal Law. I decided to file this complaint in hopes that this would make them abide by the rules of construction set forth in the FDCPA. I have attached the Cease and Desist and Validation of Debt, which I sent to Truist Bank as well as the Return Receipt for your review.

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 2023-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act.The List of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX {$2000.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX U.S.C 1681 Section 602 A. States I have right to privacy.

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

5 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.

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 then seven years.

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 2023-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
about 3or 4 year ago LVNV FUNDING TOOK ME TO COURT AND TRY TO SUE ME FOR XXXX THAT WASING MY I INFORMEND THEM THAT SOME ONE STONE MY ID ON BLACK WEB.AND IAM NOT GOING TO PAY FOR A CREDIT CARD THAT WASING MY.SO ON XXXX THEY SEND ME ANOTHE THREATING LETTER IN THE MAIL.TELLINME THE ARE GOING TO HAV ME AREST AND CONTACT MY JOB.AND ONTHER THREATING MASAGE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-08 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: MT

Complaint narrative:
Today, XX/XX/23, I was shopping for a car at XXXX XXXX XXXX XXXX MT. As we were looking at cars they collected some information and I would have purchased a car if they would have given me a fair price on my trade in. Regardless, I did not buy a car and I did not give them permission to run my credit. When I got home I was alerted by Experian that they ran my credit. 
I do not think that this should be legal which is why I am contacting you. I tried to contact them and see why they did this but they would not answer the phone. 

Auto Inquiry XXXX XXXX XXXX XXXX XXXX got a copy of your Experian Credit Report. 

Financial Today XXXX XXXX XXXX XXXX XXXX made an Auto Inquiry by checking your Experian Credit File . When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Source : Experian Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, MT XXXX XXXX : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a XXXX XXXX with a Chase XXXX checking account. On XX/XX/23, I received multiple critical security alerts from XXXX  about suspicious activity within my XXXX  account and suspicious apps and malware on my computer that would allow someone to access my XXXX  account. Later that same day, someone transferred {$720.00} from my checking account to an account in the XXXX XXXX XXXX XXXX XXXX. I have not authorized this and someone has stolen my login credentials for Chase. I keep my passwords auto-filled and saved on my XXXX  account so when my account got breached the passwords went with it. 

I called up Chase immediately the next day and explained to them what had happened. Chase then locked my account and asked me to run antivirus scans on my computer before unlocking my account and setting up a new password. I ran several antivirus scans from several different antiviruses and they all came up negative. I then changed all my passwords and called customer service to unlock my chase account. On XX/XX/23 Chase credited {$720.00} to my account as they continued the investigation. However, on XX/XX/23 I received a notice from chase that the investigation was closed and that they believed the transaction was authorized. As a result, they are taking back the {$720.00} that was credited to my account. I had no part in this fraudulent transaction. I also filed an identity theft report with the FTC regarding this claim, as my personal information and passwords were stolen by the hacker. I have attached my FTC identity theft report and my XXXX  account alerts documenting the security breach. 

Chase still refuses to believe that this was a fraudulent transaction and return the money that was stolen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAC Financial Corp
State: AL

Complaint narrative:
The hospital never billed my insurance company ; I contacted the hospital and was told they would rebill my insurance company the amount owed and would notify me if I still owed anything ; I was never notified of an outstanding bill, I was never told the account was turned over to collections, I was never notified by collection agency before putting on my credit report, and the monetary amount provided on my credit report is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I paid the full balance XXXX and asked that the credit card company close the account as soon as the payment posted. They closed the account before the payment posted, resulting in the payment being returned by my bank and then they ask me for the same payment plus interest and fees, doubling the amount owed.

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 2023-01-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This does not XXXX after viewing my credit report it is till in accurate, they are showing my creditCredit cards or credit lines Total balance : XXXX  a XXXX credit line of XXXX and a XXXX of XXXX this is in accurate information the XXXX  reports as a charge off which under the 15 U.S.C. 1681 - U.S. Code must report correct information I want the XXXX  removed as a line of credit do the incorrect amount which was a XXXX dollars and the account has been sold and use as a tax write off

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 2023-01-08 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: TX

Complaint narrative:
This does not suffice after viewing my credit report it is till in accurate, they are showing my creditCredit cards or credit lines Total balance : {$4000.00} a XXXX credit line of XXXX and a XXXX of XXXX this is in accurate information the XXXX  reports as a charge off which under the 15 U.S.C. 1681 - U.S. Code must report correct information I want the XXXX removed as a line of credit do the incorrect amount which was a XXXX dollars and the account has been sold and use as a tax write off

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 2023-01-08 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: TX

Complaint narrative:
This does not suffice after viewing my credit report it is till in accurate, they are showing my creditCredit cards or credit lines Total balance : {$4000.00} a XXXX credit line of XXXX and a XXXX of XXXX this is in accurate information the XXXX  reports as a charge off which under the 15 U.S.C. 1681 - U.S. Code must report correct information I want the amex removed as a line of credit do the incorrect amount which was a XXXX dollars and the account has been sold and use as a tax write off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Complete Credit Solutions, Inc.
State: GA

Complaint narrative:
A couple of months ago Complete Credit Solutions Inc. called me and the person stated he as an attorney for another company demanding me to verify my personal information via phone and acknowledge a debt owed... or else. He was very intimidating and threatening when I stated I am not verifying anything via phone due to scams and if I owe anything to any company they send it in writing. 

He hung up on me and I never received a letter or anything, however it just showed up on my credit reports. 

This company is violating many laws with their practices. I even sent a letter to request proof of debt I owe to Complete Credit Solutions Inc. as I never signed any contract with this company. No response. I demand for Complete Credit Solutions Inc. to remove this from all 3 bureaus immediately or I will have my attorney reach out to pay me {$1000.00} per violation.

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 2023-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Recovery Solutions, LLC
State: OK

Complaint narrative:
Asset recovery solutions has contacted my ex husband numerous times trying to collect a debt that is mine that was obtained years after our divorce. The most recent time was Friday XX/XX/XXXX. He has told them every time he is not me and they just keep saying when are you paying this debt. We need it paid. You are the said party and just lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
According to 15 U.S. Code 1692g - Validation of debts I have to right to dispute this debt and within 30 days I should receive a reply I sent a letter verified mail in XX/XX/XXXX and verified that it was delivered and received on XX/XX/XXXX. I did not hear any word back or a letter responding to my dispute until XX/XX/XXXX. 

According to 15 U.S. Code 1681i If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; Was not verified in timely manner Furthermore the promissory note should include the names of the borrower and lender, the dates of both the original note and the release, total debt that has been paid, and signature of the lender. The promissory note sent does not include the lender, the release or signature of lender. 

According to 34 CFR 674.31 - Promissory note, This promissory note has violated many sections According to UCC 3-302 the holder of the original promissory note is the only person/entity that can collect on the debt and this debt has been sold. This instrument ( the promissory note ) when issued or negotiated to the holder does not bear such apparent evidence of forgery or alteration or is not otherwise so irregular or incomplete as to call into question its authenticity ; According to 15 U.S. code 1692a the creditor does not include a person who receives a transfer of debt. 

The instrument has been rendered inaccurate/incomplete. 

According to federal law you have violated my rights. I want this item deleted/ removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: UT

Complaint narrative:
DO NOT CLOSE THIS COMPLAINT. This is a legitimate complaint made by me not a third party company. I was the victim of identity theft, they got medical care and used my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are accounts in my credit report that are not mine. I have not authorized it.

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 2023-01-08 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: ERC
State: PA

Complaint narrative:
Agency did not provide me the consumer the following information.

The Following information is required. Please fill out the form below in its entirety.

1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ____ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I wanted to alert you, the CFPB, to a potential UDAP violation by Citi Bank in regards to their Best Buy Card. 

When purchasing a new laptop from Best Buy, I was marketed their " buy now, pay later '' offering through their Citi Bank XXXX XXXX. It was marketed as " XXXX XXXX '' over 12 months, which I thought meant the total purchase would be paid over 12 months without interest. After purchasing I went to setup automatic payments, which default at the minimum payment for the card. Later realizing these automatic payments wouldn't pay off the full purchase over 12 months, and at the end of 12 months I would get hit with sudden interest charges and potentially deferred interest. 

Things that are marketed as buy now, pay later with XXXX interest should steer the customer to pay off the full principal over XXXX even payments without interest. I found this to be deceptive and recommend further investigation and a potential XXXX and or fine.

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 2023-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am requesting a description of re-investigation procedure from Transunion pursuant to 15usc1681i ( 7 ) of the Fair Credit Reporting Act. Transunion claims to have verified the accuracy of 3 accounts.

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 2023-01-08 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: UT

Complaint narrative:
DO NOT CLOSE THIS COMPLAINT. This is a legitimate complaint made by me not a third party company. I was the victim of identity theft, they got medical care and used my name.

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 2023-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
DO NOT CLOSE THIS COMPLAINT. This is a legitimate complaint made by me not a third party company. I was the victim of identity theft, they got medical care and used my name.

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 2023-01-08 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: GA

Complaint narrative:
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 items of information, other than records of conviction 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