vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: NV

Complaint narrative:
THIS DEBT IS NOT MINE. PLEASE SEND ME ORIGINAL COPIES WITH ANY WET SIGNATURES AND PLEASE SEND ME A NOTARIZED COPY SWEARING UNDER PENALTY OF PERJURY THAT YOU WERE PRESENT DURING THIS ALLEGED DEBT. 

IM ALSO REQUESTING THE METHOD OF VERIFICATION AND FULL DISCLOSER AND WHO YOU SPOKE TO, NAMES, ADDRESSES, PHONE NUMBERS.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I lost my Truist Bank XXXX  debit card on or around XX/XX/XXXX, but didn't discover the debit card missing until XX/XX/XXXX when I logged into my online checking account and discovered unauthorized transactions on the account. I immediately called the Truist Bank customer service number to report the debit card lost and to file a clim for XXXX unauthorized transactions totaling {$2900.00}. I was transferred to the XXXX  XXXX and XXXX XXXX. where i was asked a few questions. I answered that the debit card wasn't in my possession at the time the transactions occurred, and that the card was lost from my wallet on approximately XX/XX/XXXX. The reason I said the debit card was lost on XX/XX/XXXX is because that is the date the fraudulent transactions began. Further, I said no one is authorized to use the account and no one else had access to the account including friends and family members. I received a letter from Truist Bank dated XX/XX/XXXX confirming an initiation of a review of the transactions on the Truist account that were reported as fraud. A second letter dated XX/XX/XXXX was then received, which stated Truist Bank is unable to honor the claim because there is a pattern of similar transactions which were not previously disputed that I benefited from. I only used the debit card three or four times in XXXX, and it wasn't used at any of the merchants listed in the claim. The fraudulent transactions occurred in various cities throughout Florida, with most of them being made in XXXX, a city I haven't visited. I've attached the correspondence letters for 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 2024-01-11 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: JDJ Investments, INC.
State: LA

Complaint narrative:
I recently reviewed my credit report where I discovered that XXXX XXXX services ( Cbs Collections ) ( account opened XXXX XXXX  notated an account as Charge off /Collections on my profile. It was never disclosed to me upon our agreement that I had the right to opt in or opt out of my personal information being shared with a third party. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my Consumer report should be based in accordance to my written instructions. In pursuant to title 15 U.S.C. 1681c ( 4 ) No charge off /Collection should be listed on a consumer report without written consent and an adequate notice antedating 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: PA

Complaint narrative:
XXXX, XXXX, Equifax, and department of educationXXXX is in Violation of Family Educational Rights and Privacy Act ( FERPA ) .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian, XXXX, XXXX, and department of educationXXXX is in Violation of Family Educational Rights and Privacy Act ( FERPA ) .

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. 

As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, 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 explanation
Consumer complaint received 2024-01-11 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I sent a cease and desist letter with UCC 1-308 all rights reserved and I do not have a legal binding contract with BRIDGECREST and they continue to harass me and trying to extort me for money not owed to them. I sent numerous cease and desist and BRIDGECREST refused to leave me alone and they continue to violate my rights and harass me. I do not wish to contract with them. This is identity theft.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope this message finds you well. I am writing to bring to your attention a matter of concern regarding the reporting practices of XXXX XXXX XXXX. Upon reviewing my credit reports, I have identified discrepancies in the information provided XXXX XXXX SERVICES across different bureaus, particularly on XXXX, XXXX, and TransUnion. 
On my XXXX report, there is an indication of a past due amount of {$64000.00}. Such report raised serious concerns about the accuracy and Furthermore, I would like to bring to your attention the fact that the debt associated with this account has been charged off and is now considered a certificate of indebtedness, constituting income. According to applicable regulations by the IRS, such discharged debt should not be reported, as it may lead to inaccurate representations of my financial standing. 
Also it is illegal to report transaction history Per 15 U.S.C. 1681a section ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s-3of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Because of this law, all late payment reports are illegal especially since the account has been charged of. the account should reflect PAID AS AGREED.

I kindly request that you conduct a thorough investigation into this matter and take appropriate measures to rectify the inaccuracies in the reporting by XXXX XXXX XXXX. Your prompt attention to this issue is greatly appreciated, and I trust that it will be resolved in accordance with the established regulations.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I hope this message finds you well. I am writing to bring to your attention a matter of concern regarding the reporting practices of XXXX XXXX XXXX. Upon reviewing my credit reports, I have identified discrepancies in the information provided byXXXX XXXX XXXX  across different bureaus, particularly on Experian, XXXX, and XXXX. 
On my Experian report, there is an indication of a past due amount of {$64000.00}. Such report raised serious concerns about the accuracy and Furthermore, I would like to bring to your attention the fact that the debt associated with this account has been charged off and is now considered a certificate of indebtedness, constituting income. According to applicable regulations by the IRS, such discharged debt should not be reported, as it may lead to inaccurate representations of my financial standing.

Also it is illegal to report transaction history Per 15 U.S.C. 1681a section ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s-3of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Because of this law, all late payment reports are illegal especially since the account has been charged of. the account should reflect PAID AS AGREED. 
I kindly request that you conduct a thorough investigation into this matter and take appropriate measures to rectify the inaccuracies in the reporting by XXXX XXXX XXXX. Your prompt attention to this issue is greatly appreciated, and I trust that it will be resolved in accordance with the established regulations.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
This company reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-01-11 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: 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. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: 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. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions 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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am submitting this complaint against Bank of America, as an investor and bonafide purchaser, because I have submitted 2 registered securities to them as gifts to the U.S. Treasury to aid the public debt and to settle account. This first registered security was sent to on XX/XX/2023. The second security was sent to them on XX/XX/2023. They did not settle the account, nor did they send me the Securities back as per ucc1 3-603. They instead sent me 2 letters, stating that I am responsible for the debt. They are commiting securities fraud and are not reporting the taxes on this transaction as well as trading my securities on the secondary market.

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 2024-01-11 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: NV

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief