vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-05 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: TX

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

Has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: GA

Complaint narrative:
On XX/XX/2023 I sent a dispute request to National Recovery Agency and XXXX XXXX XXXX regarding some inconsistencies with the data they have furnished on my consumer report. According to the consumer report the information is totally inaccurate. I want verification that I owe these alleged accounts. I have never received any documentation granting me the ability to dispute these accounts. According to XXXX XXXX XXXX these corporations are required to promptly provide evidence of any claim against me.A statement with itemized items on it does not prove according to XXXX any debt. The original contract bearing my wet ink signature and not an electronic signature is the only thing I will consider to be proof. That document must list these companies as original creditors otherwise that would indicate fraud if they are trying to collect a debt that is not owed directly to them.

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 2023-11-05 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604a, section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 uscs 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: TX

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

Has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: MoneyLion Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: White Jacobs & Associates
State: NC

Complaint narrative:
The owner pretended like he wanted to work with me to resolve the issue at hand but in the end he decided to steal my {$990.00} dollars without providing me with the service I paid his company to perform. Please be careful when dealing with this company! I am suspect when it comes to the glowing reviews. I think the phone number they provide on their website should be looked into. Also, the company violated the Credit Repair Organizations Act ( CROA ). 

Do not hire XXXX XXXX to repair your credit! I was contacted by XXXX who convinced me to hire them to repair my credit. Days after I hired them his assistant XXXX contacted me stating that they sent my dispute letter out and they would contact me XX/XX/XXXX, to give me an update. The next day XXXX called me and said he would contact me XX/XX/XXXX. This had me wondering why was I getting XXXX different dates from people who work closely together. I then sent XXXX an email asking if they sent my dispute letters by certified mail and I also wanted a copy of the dispute letters. She responded by saying yes. XXXX weeks went by and I did not receive any notification from the credit bureaus stating disputes were opened. I then became concerned that letters were not sent out. So, I contacted XXXX requesting a copy of the certified mail receipt and dispute letters. This is the response she provided : Goodmorning Mrs. XXXX, we sent your first-round letters out on XX/XX/XXXX. We are not permitted to allow the client to have a copy of the audit letters due to copyright infringement. My apologies. 

Unfortunately, we don't send our clients the letters that we send out and we don't send out the mail receipts due to protection policy. My apologies for any inconvenience. 

I then realized I was scammed and contacted both her and XXXX making them aware of my discovery. I am in the process of contacting as many consumer protection agencies as I can so that other consumers will not lose {$990.00} for the first-time fee and then {$110.00} a month. I am so devastated because they both came across like they were really caring and concerned about helping me with repairing my credit. I wonder how they ever received glowing reviews that I assume former clients have left. Protect your money and do not hire XXXX XXXX to repair your credit. I think they were trying to keep me on the subscription for as long as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I've requested that Equifax remove all inaccurate information from my credit report specifically about a charge off from XXXX XXXXXXXX XXXX failure to do so is violation of 15 USC 1692 ( C ) ( C ), 15 USC 1692 ( G ) and 15 USC 1666b I would like for this account to be removed from my credit report immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BMW Financial Services NA, LLC
State: NC

Complaint narrative:
During the national XXXX XXXX, I struggled to make payments to the creditor. I was not able to work and had to file unemployment ( for the first time in my life ). I did fall behind on payments but did catch up on all late payments and have been making on-time payments since that time. I contacted the lender regarding this situation during and after the XXXX, and they indicated that there was nothing they could do. I was working with a corporation at the time that closed all of their XXXX offices nationally during the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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

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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
ACCOUNT NAME ARS ACCOUNT RESOLUTION XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp.
State: MD

Complaint narrative:
I'm not sure if this is the correct category, but XXXX different debt collectors are contacting me for the same debt. I setup a payment plan with XXXX XXXX XXXX  for a XXXX XXXX  credit card debt. I am now receiving texts and emails from True Accord requesting payment for this same account! I have a photographic memory, so when I saw the exact amount of the debt they were requesting, I double checked my payment plan with XXXX  and it's for the EXACT same amount and card number ending XXXX. 

If I didn't remember the amount, I would have setup ANOTHER payment plan for exact same debt. 

This is absolutely illegal and fraudulent behavior. How can XXXX different companies attempt to collect the same debt?? Either XXXX XXXX double sold my debt, or XXXX and True Accord are intentionally double dipping. How many other consumers have they done this to? How many debts have been double-collected?? Someone needs to investigate this. Should I cancel my repayment plan with XXXX? Who is the real owner of this debt? Have I been scammed and I'm now paying the wrong person XXXX payments?? I literally don't know what to do. I was threatened with legal action, so I set up a payment plan with XXXX  and now I'm questioning who I gave my bank account information to!!

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 2023-11-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dispute letters were sent to the following companies on XX/XX/2023 XXXX, Experian, and XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

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 2023-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Acceptance Corporation
State: IL

Complaint narrative:
World Finance is a third party debt collector that is reporting negatively on my credit file since XX/XX/2019. I have never done business with this company and this negative mark is harming my reputation. I asked the company to validate this debt pursuant to 15 USC 1692g, sent an affidavit of truth and have not received any reply or correspondence. This company has committed identity theft against me. You shall delete this negative mark off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Hello, Re : Comenity Bank / Jared credit card account XXXX in the name of XXXX XXXX XXXX XXXX XXXX XX/XX/23, I had checked my credit card balance and also called in for my balance. Both the website and voice messages indicated that I had a {$7600.00} credit card balance. When I went to perform a refund and exchange purchase at Jared in XXXX, XXXX on my Wife 's wedding ring ( that had a warranty on it ), the credit card that I had with Jared by Comenity Bank accepted the refund credit of {$2600.00}, but subsequently denied the purchase for the exchange for about {$3700.00}.

My balance is now stating on the Comenity Bank Jared credit card the amount of {$10000.00}. Which means that they have {$260000.00} of my money that is due to me. 
I need the following done and explained please : 1 ) I need a refund issued to me by check for {$2600.00} which represents the returned ring ASAP!

2 ) Why did Comenity Bank state my balance as {$7600.00} credit and then when I went to the store for a purchase that wasn't so?

3 ) Why did Comenity Bank accept the credit to my account for the refund of {$2600.00} but denied the debit for the purchase? 
I am very disappointed in this Bank and would like them fined and reprimanded for their actions. I am thanking you in advance for your assistance on this. 
Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05 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: GA

Complaint narrative:
I recently received a copy of my consumer report after I submitted a dispute about it being inaccurate information being reported. I figured it was a mistake on your part however I did not see any changes in fact you stated that the account meets FCRA requirements. That is false these accounts can not meet FCRA requirements because they have not been verified nor have you fixed the inaccurate information on these accounts. I have included a screen shot of each item that I am referring to. I know the FCRA states that my consumer report should be furnished with accurate information otherwise the accounts in question that can not be verified must be removed. Take a look at how many errors you are reporting on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
During the national XXXX XXXX, I struggled to make payments to the creditor. I was not able to work and had to file unemployment ( for the first time in my life ). I did fall behind on payments but did catch up on all late payments and have been making on-time payments since that time. I contacted the lender regarding this situation during and after the XXXX and they indicated that there was nothing they could do. I was working with a corporation at the time that closed all of their XXXX offices nationally during the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: GA

Complaint narrative:
Dear XXXX XXXX XXXX XXXX DISCOVER, I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from DISCOVER. Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE ACERTAIN SUM OF MONEY PAID ON DEBT ) upon seven ( 7 ) days of this notice, as well as the associated chose in action insurance policy/ies. I am also requesting the governing XXXX instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
During the national COVID Pandemic, I struggled to make payments to the creditor. I was not able to work and had to file unemployment ( for the first time in my life ). I did fall behind on payments but did catch up on all late payments and have been making on-time payments since that time. I contacted the lender regarding this situation during and after the pandemic, and they indicated that there was nothing they could do. I was working with a corporation at the time that closed all of their 300+ offices nationally during the pandemic.

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 2023-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have two accounts with Capital One Credit. I have had these accounts for years. I started keeping a debit and credit register on my accounts in the same manner that I keep a bank account register. In the last month the totals on my charges by the company were {$150.00} dollars more than the total calculated charges. I track interest and my payments. This account is used for many small online purchases as well as several monthly recurring charges. With the balance being {$150.00} more than I expected I decided to close my account. I had made a purchase on XX/XX/2023 through XXXX for {$66.00}. The payment had cleared by XX/XX/XXXX, I mark in my register when the payments clear. On Saturday XX/XX/2023 I was very certain of the over charge situation. I spent all day eliminating the Capital One Walmart Card from all my associated accounts. So last night I paid off the entire listed amount of {$1400.00}. I phoned Capital One to close the account. Suddenly the {$66.00} was treated by the person on the other end of the line as a new, and as yet uncalculated in the total, charge. I had to pay an additional {$66.00} to bring the balance to zero. I printed out the register at XXXXXXXX XXXX and it shows the charge in the registery. I printed out the charges again at XXXX XXXX and the XXXX charge has miraculously evaporated. I contact customer service at which point they tell me their system is 'updating '. The XXXX charge that went through ( check with XXXX ) on the XXXX of XXXX is still missing. I tell the customer support person that I have the print out showing the charge was previously on there, suddenly it appears back on the registery. There needs to be financial forensic analysis of all US accounts handled by XXXX. This stealing has become a school of education for their citizens and needs to be stopped. Best of luck.

Company response to consumer: Closed with explanation