vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
i Was any debt that i owed so i kept recieving letters and phones calls that woul not stop after i told them to stop calling ill call back when i have time. the lady i spoke with told me i had to pay XXXX today in order to not have my credit impacted. then stated " this is lgoing to go on your credit report and there is nothing you can do '' o just have to pay. I do not even owe this company so it is now relecting on my credit and damaging my report and good name.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: AmeriCollect
State: GA

Complaint narrative:
I filed a dispute with XXXX and XXXX and they failed to comply with the FCRA 605 B and the 4 day removal of fraudulent items on credit report. They verified a fraudulent account and that is against the FCRA. A fraudulent collection Account called : Americollect Collections-Date Opened : XX/XX/2019 for a balance of : {$720.00}. This account was disputed and XXXX and XXXX refused to remove this fraudulent item and the collection agency failed to remove it as well. Also, they are not reporting accurate information about me as well. I am going to file a lawsuit against the credit bureau and the collection agency if this account is not removed within 10 days. This is not right and you all are violating the law and committing fraud in so many ways. I will not tolerate it. Please remove this fraudulent item immediately! Thanking you in advance for your cooperation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a dispute with XXXX and Equifax and they failed to comply with the FCRA 605 B and the 4 day removal of fraudulent items on credit report. They verified a fraudulent account and that is against the FCRA. A fraudulent collection Account called : XXXX XXXX Opened : XX/XX/2019 for a balance of : {$720.00}. This account was disputed and XXXX and Equifax refused to remove this fraudulent item and the collection agency failed to remove it as well. Also, they are not reporting accurate information about me as well. I am going to file a lawsuit against the credit bureau and the collection agency if this account is not removed within 10 days. This is not right and you all are violating the law and committing fraud in so many ways. I will not tolerate it. Please remove this fraudulent item immediately! Thanking you in advance for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Credit card or prepaid 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: DISCOVER BANK
State: FL

Complaint narrative:
Dear Discover Bank, XXXX XXXX charged me a yearly membership fee of {$270.00}, despite canceling the membership before the trial period ended. I filed this at the dispute center and was given a conditional reversal of payment, with no explanation given. XXXX canceled the XXXX membership ( you can see on my account that it's advertising me to reactivate it ). There is not a valid reason that I should be charged for this. XXXX has confirmed to me that this was a mistake. I've been a loyal customer for over a decade, but I will have to stop using this card if there is no assurance that I will not be held accountable for unauthorized purchases such as this. 

Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have answered multiple times on my old phone told them to STOP CALLING this has been going on every week on mornings at XXXX & im an overnight worker so I'm sleeping for over 2 years now or longer I blocked their number but it shows the missed calls for months so when I got my new phone I unblock the number again to see if I work with them on this but I'm no longer going to work with them since even after being told they are harassing me they continue to do so I am contemplating on getting with an attorney to open a lawsuit because at this Point I feel they owe me payment! 

I will attach screenshot & ANY calls with time stamps is me answering informing them to stop calling as my phone won't log any time stamps without actually answering this is the evidence that I have Please note I can also charge the 2 other phones I have with the same missed call log & me answering telling them to stop or they have the wrong number

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 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently view my credit report and notice a unathorized credit inquiry made by XXXX  on XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: PA

Complaint narrative:
I XXXX XXXX XXXX federally protected consumer have been a victim of Identity theft. I have contacted XXXX 4 times about this matter. As PER 605B ( 15 USC 1681c-2 ) any information that the consumer identifies as information resulting from Identity theft must be blocked and deleted no later than 4 business days. I have attached my return mail reciept and the Identity theft documention as well as my letter I wrote.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: PA

Complaint narrative:
I XXXX XXXX XXXX federally protected consumer have been a victim of Identity theft. I have contacted XXXX 4 times about this matter. As PER 605B ( 15 USC 1681c-2 ) any information that the consumer identifies as information resulting from Identity theft must be blocked and deleted no later than 4 business days. I have attached my return mail reciept and the Identity theft documention as well as my letter I wrote.

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 2022-12-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
From XX/XX/2021 to this present day Navy Federal Credit Union has refused to reimburse me {$33000.00} of Insirance Claims money I was scammed out of by a contractor that I hired. This could have been prevented if the Navy Federal insurance claim agent, XXXX who was handling my claim had taken a few short moments to request the necessary documents that would have prevented the contractor from being able to scam me. There was no request for a contract, NFCU just requested an invoice from the contractor, the Member Declaration form wasnt presented to me which in itself would have deterred the scam and also would have protected NFCU from lawsuit. Also, the inspection company hired by NFCU lied on the inspection report stating that I was satisfied with the work being done and also on his reports the question was asked if any necessary permits were pulled and he answered N/A. Which is false because my house was a total loss due to a structure fire. In the county where I live a building being repaired from such damages needs a building permit pulled from the county. Ive spoken to NFCU concerning this matter and the reimbursement of the money lost through email and phone conversation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: 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 has violated my rights. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, texas XXXX XX/XX/2022 In accordance with the Fair Credit Reporting Act I have the right to have all inaccurate or unverifiable accounts removed from Credit bureau. 
Also, 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 u.s 1681 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 15U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Applied for a XXXX XXXX credit card through XXXX Bank. Applied XXXX different times. 
Received letterS stating EQUIFAX has an extended alert on my account and to call them. 
Called Equifax- they state there is no such alert on my account. 
I have called Equifax on XXXX separate occasions over the past month. 
I have spoken to XXXX Bank 2 times. 
I'm stuck in the middle. 
There is no alert. 
My credit is excellent - XXXX. 
Equifax now says to call XXXX and have them call Equifax. 
XXXX says to come into a branch office for some reason. 
I need to be sure that Equifax will not be giving out bad information. 
Feeling frustrated and caught in the middle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have filed numerous complaints that it has been fraud on my credit. I spoke with XXXX, TransUnion XXXX XXXX Periodically from XXXX to XXXX. 

I spoke with XXXX first she assured me that it was indeed fraud & that everything would be removed from credit report within XXXX XXXX. So far the inquiries have been removed but not the fraudulent collections that are being falsely reported on my name. 

I spoke with XXXX next & everything was disputed & she assured me everything will be off in a week. 


I noticed that there are a lot of inaccuracies as well that are being reported on my behalf which is false & against the law. 

I lastly spoke with TransUnion & disputed everything as well & they told me everything would be off in XXXX hours. I have really been starting to look into credit & make sure everything looks ok. I have sent them numerous letters for months trying to get everything removed. I have yet to see any action being taken. Ive explained how they are in violation of FCRA codes as well. Please advise me on next steps. I would like to get this matter resolved ASAP. 



XXXX XXXX. 
XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} XXXX inquiries Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: OK

Complaint narrative:
I am a Service connected XXXX combat veteran who student loans are cancelled because of the total and permanent XXXX program. Nelnet will not update my report to show paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Credit card or prepaid 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX is at fault for this issue. 
I use the card to pay my rent and twice I have payed the rental company directly ( Cashiers Check ). But XXXX has made a rental charge on my account for the rent twice. So I pay directly to the company and XXXX charges me without my approval to my card. Who is stealing here? I have gone to the rental company 's management and they say I am up to date with payments and that there is no issue on their side. XXXX has also been charging me penalty fees which has added up. I have called XXXX 5 times and XXXX person could not help at all and the other 4 times I have been hung up on. This treatment and is unacceptable and how are they able to charge me for something that I have already paid for in cash???? I have emailed XXXX and waiting for response. I don't expect any response back due to there customer service I have experienced...

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 2022-12-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
I want to dispute this debt because this debt is wrong. The Assistant Community Director reached out to me via email and said, Ok since it was no notice given, you will be charged a for rent in XXXX plus a retlet fee of {$800.00} and an early termination fee of {$940.00}. Also, a trash out fee of {$150.00} since it was furniture left in unit. I will send your final account statement shorlty. Thank you. She never sent me a final account statement for me to make a payment or reached back out to me. Today, I just received a letter from XXXX stating I owe Residence at XXXX XXXX XXXX {$2900.00} which doesnt add up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: PR

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

15 U.S.C 1681 Section 602-A : States I have the right to privacy.

15 U.S.C 1681 Section 604-A : Section 2 : States a consumer reporting agency can not furnish a 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 2022-12-15 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: PR

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

15 U.S.C 1681 Section 602-A : States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
Paid the bill off in XX/XX/XXXX XXXX XXXXthis is the amount that was on their website that day when I paid. There were no more charges, in fact nothing had been purchased with this card in 4 months. They placed a finance charge of {$3.00} on XX/XX/XXXX and the late fees started accruing from then. The total amount of late fees at this point is {$190.00} and they are not willing to remove those. They have already closed out the account and this is steadily hitting my credit for over the limit amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15 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: CA

Complaint narrative:
Transunion received a letter from me in the mail around XX/XX/2022. The letter was an FCRA 605B letter stating that they needed to delete all fraudulent accounts within 4 days of receipt of this letter. Inside the letter, I included a summary of what needed to be removed, the FCRA 605B clause, a copy of my XXXX XXXX police report from XX/XX/2022 citing identity theft and naming each individual alleged account with each alleged account balance, a copy of my ID and social security card, as well a copy of my Transunion credit report showing all fraudulent accounts that need to be removed or blocked by Transunion. XXXX of the accounts was not blocked or removed from my credit report. That is XXXX XXXX ( XXXX ) account # : XXXX with a balance listed of {$1800.00}. All other accounts have been removed except this one, and XXXX XXXX already received a copy of my police report back in XX/XX/2022 as well as several phone calls about this fraudulent account opened in my name and XXXX. 

Additionally, Transunion mailed me a strange letter, accusing me of working with a credit repair company, and I have not worked, nor even consulted with any credit repair company. I know my rights, I know the law, and I know that FCRA. Like I said, I am a document in victim of identity theft. 

This fraudulent item needs to either be blocked or deleted from my credit report immediately or legal action will immediately follow. This is a violation of the FCRA ( XXXX ). Attached is a copy of my police report.

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 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Applied for a United Airlines credit card through Chase Bank. Applied XXXX different times. 
Received letterS stating XXXX has an extended alert on my account and to call them. 
Called XXXX- they state there is no such alert on my account. 
I have called XXXX on XXXX separate occasions over the past month. 
I have spoken to Chase Bank 2 times. 
I'm stuck in the middle. 
There is no alert. 
My credit is excellent - XXXX. 
XXXX now says to call Chase and have them call XXXX. 
Chase says to come into a branch office for some reason. 
I need to be sure that XXXX will not be giving out bad information. 
Feeling frustrated and caught in the middle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
Continue to bill me XXXX gor shipping back a return. I paid to ship it because it could not go XXXX. They refuse to acknowledge 5 attempts to clears this up

Company response to consumer: Closed with monetary relief