vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC

Complaint narrative:
This complaint covers 6 violations.

This complaint covers 6 violations and disputes as listed. 

XXXX has violated the FDCPA laws multiple times in their collection efforts of a outstanding XXXX account in both their reporting of derogatory information on my credit files and in their collection techniques of this XXXX account XXXX Company and their Smith Debnam have conspired to harass me and impress me with many violations against North Carolina laws and Federal laws. 

XXXX. XXXX XXXX willfully and intentionally reported ghost payments to the credit bureaus three months in a row in a direct attempt to sabotage the time period of that account automatically dropping off of my credit files. 
See attached for evidence. 


XXXX. XXXX XXXX and their attorneys at Smith Debnam in North Carolina are harassing me sending me multiple letters with multiple amounts and will not leave me alone. 

XXXX. XXXX XXXX keeps removing account under dispute contrary to Federal laws And further claiming that they have resolved the issue which are false representations again! 

XXXX. I am filing complaints Again with multiple agencies tomorrow and seeking an FDCPA attorney to take action. 

XXXX. I dispute this account XXXX XXXX here and now # XXXX and will notify the credit bureaus if i feel it has been satisfactorily resolved. 

XXXX. I demand that XXXX XXXX and Smith Debnam quit harassing me about all of these different amounts and oppressing me as it is causing me to enter deep XXXX and mental  anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: NY

Complaint narrative:
XXXX  XXXX XXXX XXXX this was fraudulently opened in my name please remove off my Transunion credit 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 2023-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I has a Banana Republic card through XXXX. I paid off the account and the account was closed by XXXX due to inactivity. I called and confirms this with a representative. When Barclays took over Banana Republic Credit they sent me an invitation to activate an account with them, but I declined. I discovered in XX/XX/XXXX that an account was opened for me and I called to request them to close the account. In XXXX I called again asking to close the account. In XX/XX/XXXX an agent assured me the account was closed. XX/XX/XXXX I received a delinquency notice because they charged me an annual fee and then added late fees. I wrote a letter and sent it to Barclays explaining the account was opened without my permission and asked them to close the account. XX/XX/XXXX I received a letter from Barclays saying they investigated and found there is no fraud on the account and that the account is in good standing. I called and requested the account to be closed AGAIN and was told they can not close the account. Not to mention every time I call in to try to speak to someone they ask me for my credit card number but I was never issued a card so I so t have a card 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 2023-02-05 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: FL

Complaint narrative:
I have contacted Transunion Multiple times, explaining I have inquiries in my report that I haven't authorized and are violating my rights and the fair credit report act law. [ 15 U.S.C. 1681a ] ( 2 ) ( b ) the term consumer report does not include. '' any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Transunion has been answering that the inquiries have been investigated and verified without providing documents that the inquiries have been verified, violating [ 15 U.S.C. 1681a ] ( 2 ) ( e ), which states, " The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. '' and 1681a ] ( 2 ) ( f ) which states The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. Transunion has sent me multiple letters telling me to verify the inquiries with the agencies reporting them and refuse to take responsibility for violating my privacy and using my information with other agencies without authorization. Failure to respond satisfactorily within 30 days of receipt of the certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for defamation, negligent enablement of identity fraud, and violations of 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 2023-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my credit reports reported by Cavalry Portfolio Services Collection for account number XXXX by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and to XXXX. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. This account does not belong to me. I have no knowledge of this account. Unauthorized opened account. To date, Cavalry Portfolio Services collection is reporting false information to my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom this may concern By the Fair Credit Reporting act. The list 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 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : its 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 item of information, other then records of convictions of crimes which antedates the report by then seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom this may concern By the Fair Credit Reporting act. The list 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 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : its 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 item of information, other then records of convictions of crimes which antedates the report by then seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ClearOne Advantage, LLC
State: KS

Complaint narrative:
this company took money from my account for " fees '' on settlements that I have not authorized or have removed from the program. They have taken over {$3000.00} of money for themselves and not handled any of my accounts and taken money not owed to them. They misrepresented themselves. I've been requesting cancelation refund and removal from the program since XXXX and they still are charging me and emptied my accounts. I'm on medical leave. I've had a major operation. I've reached out several times for help as I'm cash strapped and they took all my extra money I had saved to help pay down my debt and put it all in their pockets. I can't get anyone on the phone even after holding for hours. I get email bounce back. I last spoke to someone on XX/XX/23 on a " recorded '' line starting that the {$800.00} some odd dollars that was currently in my account was being returned in 2 - 5 days and they emptied my account and called it a " service fee '' for themselves. I've also requested a manager call me back as they have collected a {$2300.00} fee an an account that is not settled at all. they stopped sending money to the creditor. They also tried to settle two accounts without my authorization and take fees from me on those accounts too. This is a horrible business. my credit score was XXXX when I enrolled in the program and now its in the XXXX range and NOTHING has been resolved and I've been robbed over XXXX. It makes me crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account XXXX : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX BANK # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX  # XXXX ACCOUNT XXXX : XXXX XXXX BANK # XXXX ACOUNT NAME XXXX XXXX  # XXXX ACCOUNT NAME : XXXX XXXX # XXXX ACCOUNT NAME : XXXX DEPT OF EDXXXX XXXX XXXX ACCOUNT 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 XXXX years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05 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: Experian Information Solutions Inc.
State: NC

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 Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX, XXXX # XXXX Account name : XXXX XXXXXXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXX  XXXX Account name : DEPT OF EDUCATIONXXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX  # XXXX ACOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NAME : US DEPT OF ED/XXXX  XXXX XXXX ACCOUNT NAME : 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 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 2023-02-05 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately.

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.

Account is in violation of 15 USC 1681e ( b ) of the Fair Credit Reporting Act and 15 USC 1681i ( a ). 15 USC 1681 ( a ) 4 invasion of my privacy.15 U.S. Code 1681q - Obtaining information under false pretenses

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
Affirm will not let me close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not approve any of these credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am writing to express my frustration and request your assistance in resolving an issue I have been facing. On XX/XX/XXXX, I attempted to deposit {$1800.00} at XXXX of your ATMs. Unfortunately, the machine was malfunctioning and did not properly process my deposit, but it took the cash and never became available in the account. 

It has now been almost XXXX weeks since the incident occurred, and I still have not received my funds. I have been in contact with Chase representatives several times, but have not yet received a satisfactory resolution to the issue. 

I am extremely concerned about the status of my funds and the lack of progress in resolving this matter. I have already taken time off work and invested a significant amount of effort into trying to resolve this issue, and I am eager to receive a resolution as soon as possible. 

I would appreciate your prompt attention to this matter, and look forward to receiving an update on the status of my deposit. I would be happy to provide any additional information or clarification that may be necessary. 

Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Account # XXXX Date opened : XX/XX/2019 Last activity : XX/XX/2019 Original creditor : XXXX Status : closed Balance : XXXX In accordance with Fair Credit Reporting Act XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A .states I have rights 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

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 2023-02-05 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: GA

Complaint narrative:
Account # XXXX Date opened : XX/XX/2019 Last activity : XX/XX/2019 Original creditor : XXXX Status : closed Balance : XXXX In accordance with Fair Credit Reporting Act XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A .states I have rights 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

Company response to consumer: Closed with explanation