vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
Ok let me break it down for you guys under 15 USC 1692 and 1681. XXXX sent me a collection notice for XXXX XXXX  and the credit limit was XXXX and they are trying to collect XXXXXXXX XXXX XXXX for both accounts. Even if it was XXXX late fees and XXXX dollar service charges and late for 4 months it would not be that much. They try to collect was more than is owed and this is illegal. It violated 15 USC 1681 and 1692 et seq multiple times and this means they lie about amount that is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: CA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: FL

Complaint narrative:
on XX/XX/XXXX I cancelled a subscription service related to my employment in the mortgage industry. I contact the service and asked for a refund of the unused portion. They were unable to refund however they stated in an email that they would allow a dispute of XXXX to be processed since they can not refund. 

I submitted the dispute with US Bank on our about XX/XX/XXXX, It was acknowledged by XXXX Bank on XX/XX/XXXX and a provisional credit was provided in the amount. 

on XX/XX/XXXX the credit was reversed. I contacted US Bank via telephone since that is the only option to address this issue and was advised that the credit was reversed because I did not complete the form and return it via XXXX. I asked if i could email it and was advised they do not accept emails. Very strange in this digital age but I printed out my email from XXXX XXXX the vendor that agreed to the dispute and sent that email along with the required US Bank form and mailed it in. 

I called and confirmed it was received and waited. 

I called again today XX/XX/XXXX and was told that the dispute was too old and they could not process it. 

I asked the rep why would my own bank not provide a refund when the vendor has already agreed to it. They stated that they could not due to the timeline and then the phone went dead. 

At that point I felt my only recourse was to submit a complaint. 

I am truly at a loss when my own financial institution is the hold up on a refund that has been pre approved by the vendor.

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 2024-04-11 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: Colony Brands, Inc.
State: FL

Complaint narrative:
It has been months and months that I noticed that XXXX XXXX XXXX reported an account they claimed that I have with them to the credit bureau XXXX Account XXXX ) to the XXXX XXXX and XXXX credit bureau XXXX I repeatedly contacted them about this particular account. I have never done any business with XXXX. I do not even know what they are in business for. I demanded that they remove this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
penfed is reporting old & inaccurate information one the wrong XXXX XXXX  number totally, also inaccurate information stating wrong things like derogatories i do not have. stating i have personal loans which i do not i have a business line reporting that is NOT personal at all. i have docs to upload to prove they are using old reports against me which is is violating my fair lending laws

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 2024-04-11 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: IL

Complaint narrative:
I have not authorized these inquiries, and they have nothing to do with my financial activity. I want my credit report to be immediately updated with their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I recieved a call at work from TSI. But not to my work number. They had been calling repeatedly last week, to a different employee, telling her who knows what. Now they contacted the XXXX XXXX Office to reach me as a tactic to embarrass me at work. She stated she was contacting me about debt from 2001 and that no XXXX existed for private loans ( not true ) I told her to not ever contact me at work. 

It is illegal to tell co-workers they are contacting me about a debt and next level to contact the XXXX for my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America falsely accused me of altering a check and then closed my account and lied. They told me the company who wrote me the check confirmed that the check was altered. After speaking with the company they have informed me that no one from Bank of America contacted them and sent me a copy of the check saying it has not been altered. Bank of America has not sent them or me the {$120000.00} that they owe me. I want my money that I worked for Bank of America is crooked. I have all my correspondence from the company stating the check was not altered, they never spoke to Bank of America and they also have not received the funds either.

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 monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
On XX/XX/XXXX, I requested a credit report from XXXX as I noticed that my credit score had gone down considerably from last month. On the report there was a debt collection. I called XXXX, also on XX/XX/XXXX and was told that Sunrise Credit Services was collecting a {$2200.00} debt for XXXX XXXX XXXX, XXXX. The account was opened on XX/XX/XXXX and the phone number issued was a XXXX XXXX XXXX under my maiden name, XXXX XXXX. A phone was purchased for {$1900.00} and the remainder of the debt was in unpaid bills. I disputed the claim once already at XXXX XXXX XXXX XXXX XXXX XXXX is holding me responsible. 
I have put in a fraudulent claim to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Not only have I not used my maiden name in 25 years, I live in New York, have never lived in Massachusetts and do not have any friends or family in Massachusetts or associated with the mobile number XXXX 
Please advise. 
Thank you. 
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 explanation
Consumer complaint received 2024-04-11 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I am so displeased with the way my information was used. I have been trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and XXXX XXXX to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've got into an accident and my vehicle was deemed total lost. My insurance and gap paid off the loan, however the bank has reported it as late payments and isn't showing the loan is being paid off. Because of this my score is really low and it's affecting my credit. I will appreciate it if you guys could assist me with this situation. 
Thank you..

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 2024-04-11 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
There were fraudulent charges made on this account. I contacted this company several times regarding fraudulent charges made to my account. Capital One has neglected to dispute and remove the fraudulent charges on my behalf. I reported my card as stolen and disputed several transactions from the previous statement. I have disputed with the credit reporting agencies and this account should have a {$0.00} balance and be paid in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have identified the reporting of the information on my consumer report that are a result of identity theft. these information are not related to any transactions by me. its unauthorized. PLEASE DELETE FRAUDULENT UNAUTHORIZED OF THE REPORTING INFORMATION OF INQUIRIES ON MY CONSUMER REPORT 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

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 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: NRA Group, LLC
State: TX

Complaint narrative:
Ominous Text Message about collection, using whatever means necessary

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 2024-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Michael J. Scott, PC
State: TN

Complaint narrative:
Company has filed suit in my county. 
The summons does not have the full account number. 
Scott & Associates purchased the portfolio from XXXX XXXX  They have provided no contract between myself and XXXX XXXX XXXX XXXX XXXX XXXX or Scott & Associates Scott & Associates has not provided any privacy document signed by me with the original creditor allowing XXXX XXXX  XXXX XXXX Scott & Associates XXXX XXXX XXXX to my personal data. 
XXXX XXXX XXXX has not provided proof of the accuracy of the portfolio complete with my full name nor the Affidavit from the original creditor, the Proof of Purchase of the portfolio from the original creditor, Proof that the Assignment of Debt rules have been followed, or Proof of how XXXX XXXX XXXX XXXX XXXX XXXX and Scott &, Associates arrived at their respective alleged amounts owed. 
There also hasn't been a 1099-C filed by either the original creditor or any of those who purchased the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, 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 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX USC 1681 also states I have a right to privacy I didnt give permission for these items and they are fradulent not got by me also code 42/408 states that because there is no lawful money using my social security number at any establishment for credit transactions or loans is a crime.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To whom it may concern : I just checked my credit and found some inaccuracies. According to the Fair Credit Reporting Act, Section 611 of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete so it doesn't get reported in my report! This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any waythe burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form JPMCB - CARD SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Massachusetts Educational Financing Authority
State: MA

Complaint narrative:
My son XXXX years ago was struggling to pay, he said he was on an income based repayment plan. All of a sudden he owes XXXX more per month, he can not pay this not sure how this could be possible, they mislead him

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/2024 my cashapp account was hacked into and 27 unauthorized transactions occurred totaling up to {$1300.00}. When the person hacked into my account they locked me out of it and also changed my cashapp name and took my phone number and email off the account. I called cashapp support and the gentleman helped me get back into my account and made a claim for me and told me by looking at all the details of what happened id get my money back because it was very obvious i was hacked. Cash app denied my claim, they wont tell me why. They wont speak to me about it even though i have info that will help their investigation. I have the # that hacked into my account it was XXXX and the cash app the hacker sent my money to was XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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 Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXXXXXX XXXX XXXX  Account XXXX has violated my rights. Or a 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 non-monetary relief
Consumer complaint received 2024-04-11 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: TX

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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 non-monetary relief