vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cheadle Law Firm
State: TN

Complaint narrative:
We entered into an agreed judgement with Cheadle Law in XX/XX/2023. I made my first payment via their website on XX/XX/XXXX. I emailed them on XX/XX/XXXX and they said that one of the payments bounced. We had enough funds in the account to cover the payment. I contacted our bank and they said that Cheadle Law never attempted to withdraw the {$300.00} payment and that there was no XXXX history for the transaction. XXXX XXXX said that I would need to overnight cash, cashier 's check or money order. I didn't feel comfortable sending a payment this way. I attempted to make another payment on line on XX/XX/XXXX and XX/XX/XXXX and they told me those bounced as well. My bank once again said that they never attempted to run the payment. I've read several complaints on line that they have done this exact same thing to other people. They also sent no warning that they were going to begin wage garnishment. I've tried calling them and emailing them to work something out and I don't get an answer or a reply. I've also read that they work for loan sharks in New York. This company should not be allowed to practice law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc.
State: AZ

Complaint narrative:
The credit bureaus reported on XX/XX/XXXX, via phone, they last received an update from Sezzle on or around XXXX and no updates since. On XX/XX/XXXX, I reached out to Sezzle to inquire about my credit reporting and the last date the reporting was sent. They initially provided a canned response telling me they report monthly and directed me to their website to review the same information. I reiterated that I was seeking a specific date on when the reporting was last sent but the chat agent was unable to provide one and stated they had to escalate to someone who would send me an email. I have yet to receive that email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/2023, I logged into my online account and noticed my son was assessed a NSF fee on his checking account. I thought that since my son was the age of XXXX ( a XXXX  ), he could not overdraft his account. I proceeded to chat with a representative via their online chat function in an effort to explain how I understood the policy to work. I also asked if they would consider a courtesy refund, since my minor was upset that his account was overdawn. The representative immediately declined my request. I was not happy because I had 7 other active accounts with RBFCU, all which had sufficient funds. I requested to escalate my complaint and was told to contact their member service number. I called the number, repeated my story and refund request to a rep by the name XXXX. She put me on hold to talk to her supervisor ( XXXX ) and when she got back on the line, she asked if she could connect one of my 7 accounts to my son 's checking to avoid the issue going forward. I thought this was a condition that needed to be met in order to get my refund request approved. After I authorized her to connect any one of my accounts to serve as overdraft protection, she told me her supervisor declined my request. At this point I am extremely upset for many reasons, one being that she had me link an account I would not have linked had I known my request was going to outright be declined. I asked XXXX why her supervisor declined my request and she said, because I authorized the transaction but would/could not expand on any other reasonable explanation. I felt that if I had a non - XXXX name, my request would have been approved. The next day, I closed one of my money market accounts in the amount of XXXX and moved it to another institution, however, it has not sat well with me that out of the 3 employees I worked with, none were willing to service me as I expected. I'm extremely disappointed at the way my request was handled and have taught my son how to manage his accounts, however, the credit union must be willing to understand that not all people understand how overdraft policies work and need to be more empathetic in every situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1.there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account.

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORC EMENT XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2021 Please remove it from my 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 2023-07-11 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: IL

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

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 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
i purchased a service ( computer repair ) and was charged thru credit merchant ( XXXX XXXX  XXXX   { XXXX ( XXXX ) XXXX } ) said that wasnt ok so then i payed in debit after he showed me a refund verification ( i believe the payment/refund was processed by shopify ) ; i told this to my bank ( bank of america ) as i was charged XXXX $ twice and they rejected my claim ; they are rude and refuse to help me and they keep passing on the blame ; with my interest rate i owe more than XXXX ( 28 % irp for 3+ years ) just because of that single credit charge of XXXX ; bank of america gave me a case # ( XXXX ) as a working student i cant pay this off nor do i want too ; also the repair service did not work as the item repaired failed after a month ; i am also suspicious that non oem parts were used even-though i payed for oem parts ; i still have the computer if more information on that is needed. 
i am scared that this will continue to impact my financial life and nobody will help ; hopefully yall can ; 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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have done several disputes with the 3 credit bureaus to get old closed accounts permanently removed from my credit reports. There are old accounts that have have been closed for over 8 years that are still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have requested numerous companies to remove reported accounts with information that are being reported as fraudulent accounts, wrong accounts, closed accounts, inaccurate account information, accounts not belonging to me, wrong dates and amounts, wrong name, wrong personal information, duplicate accounts, accounts that I never entered into a contract with the reporting company, numerous collection agencies that I do not have nor entered a contract with, accounts that have well surpassed the statue of limitations, etc from collection agencies and other companies/agencies that are submitting this information to XXXX, XXXX and XXXX... but they have refused and or denied my request and have not provided any information to me as to how it was investigated..they have not removed the false and erronious information on my credit reports violating provisions outlined in 15 USC 1962, 15 U.S. Code 1681, Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded. These requirements are critical as the accuracy of your credit report can affect whether you qualify for a loan and at what interest rate, and the privacy of your information guards against identity theft, a very serious problem today that can ultimately affect your ability to get credit, insurance, or even a job. Credit reporting violations include where your credit report contains information that is inaccurate or incomplete, disputed or outdated. Violations of these statutes require compensation to you for the damages suffered, plus an additional amount up to {$1000.00} per violation, plus punitive damages, attorney fees and court costs, and often more importantly, allow you to correct and protect your credit report in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
We have been with Bank Of America for OVER Twenty years. Both my husband and I have multiple accounts and a few years back, we received MULTIPLE OVER DRAFTS FEES and MULTIPLE TRANSFERS FEES for both large and small transactions that caused multiple overdraft fees for each transaction. This caused none payments for bills, distressed and most of all, disconnects of utilities & car payments. The fees were automatically intercepted whenever a deposit was made causing us NOT to have enough to pay bills or some times not purchasing food. I am demanding refunds for those ILLEGAL practices. We continuously have to close debit cards due to unauthorized purchases nearly every MONTH as recently as TODAY XX/XX/23!

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 2023-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I'm not liable for this debt with XXXX XXXX XXXX, and i do not have a sign contract with collection agency trying to collect, reporting on my credit file, they did not provide me with the original contract that was requested showing the bill of sale and payment history,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: NY

Complaint narrative:
I received a letter from Rent Recovery Solutions LLC attempting to collect a debt in the amount of {$3600.00} under the reference number XXXX dated as of XX/XX/. I have called Rent Recovery Solutions and spoke about the representative that I am not aware of the debt that was represented as lease payment and I have moved out from the apartment more than a year ago. I disputed the debt collection and asked to recceive additional information so I can better understand what is the issue and why the lease is claimed not to have been paid. The Rent Recovery Solutions LLC took a note of that and said to send me that information. 

I have not received any written or electronic communication about the clarification of my dispute or any other information. Despite that, the Rent Recovery Solutions LLC proceeded to put a negative mark on debt collections to the credit agencies. Despite the fact that they not provided me any information about the debt and that the dispute as it states in their letter will stop the collection until they send me such information. 

I have been trying to talk to them about it but only get referred to a manager who is not returning the voicemail and / or is never in the office. The non-manager representative admitted that there was no information sent and that the collection should have been stopped. But no one wants to deal with removing the credit collection remark from my credit agency statements. It really is frustrating and stressful that they are not following their own procedures and the regulation of the federal laws to provide me information and during a dispute stop collection efforts which I have the right to. I hope we can get that someone can take a look at that case and advise me what to do. I have also reached out to the credit score companies and made a dispute about that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have sent in a police report by mail and fax, I have called and talked to multiple reps over the phone, and I have filed multiple reports with CFPB and FTC about unauthorized inquiries on my credit reports. I pay for a monthly monitoring service and I have placed a fraud alert on my credit reports and froze them. I have informed them that I received an email from my son 's college stating I have been involved in a Data Breach, and now I have been told my all of my info is on the Dark web! However, they are refusing to delete the inquiries! I disputed several accounts that are reporting inaccurate information and they will not provide me with proof of all the information they used for the investiagtion ( per FCRA 611 ( a ) ( 7 ), but they keep stating they have been verified as accurate! 
Below are the items that are unauthorized and/or reporting erroneously : 1. XXXX XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX 2. XXXX XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX 4. XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXX - XX/XX/XXXX 6. XXXX XXXX XXXX XXXX - XX/XX/XXXX 7. XXXX  XXXX XXXX - Account # XXXX - Account in litigation 8. XXXX XXXX XXXX  - Account # XXXX - Account in litigation 9. XXXX XXXX - Account # XXXX - Account in litigation 10. XXXX - Account # XXXX - Account in litigation 11. XXXX - Account # XXXX - Account in litigation 12. XXXX  - Account # XXXX - Account in litigation 13. XXXX XXXX XXXX  - Account # XXXX - Account in litigation 14. XXXX XXXX XXXX XXXX -XX/XX/XXXX - Inaccurate reporting and Bankruptcy Courts gave me proof they do not provide information or validate public records.

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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have requested numerous companies to remove reported accounts with information that are being reported as fraudulent accounts, wrong accounts, closed accounts, inaccurate account information, accounts not belonging to me, wrong dates and amounts, wrong name, wrong personal information, duplicate accounts, accounts that I never entered into a contract with the reporting company, numerous collection agencies that I do not have nor entered a contract with, accounts that have well surpassed the statue of limitations, etc from collection agencies and other companies/agencies that are submitting this information to XXXX, TransUnion and XXXX... but they have refused and or denied my request and have not provided any information to me as to how it was investigated..they have not removed the false and erronious information on my credit reports violating provisions outlined in 15 USC 1962, 15 U.S. Code 1681, Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded. These requirements are critical as the accuracy of your credit report can affect whether you qualify for a loan and at what interest rate, and the privacy of your information guards against identity theft, a very serious problem today that can ultimately affect your ability to get credit, insurance, or even a job. Credit reporting violations include where your credit report contains information that is inaccurate or incomplete, disputed or outdated. Violations of these statutes require compensation to you for the damages suffered, plus an additional amount up to {$1000.00} per violation, plus punitive damages, attorney fees and court costs, and often more importantly, allow you to correct and protect your credit report in the future.

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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have requested numerous companies to remove reported accounts with information that are being reported as fraudulent accounts, wrong accounts, closed accounts, inaccurate account information, accounts not belonging to me, wrong dates and amounts, wrong name, wrong personal information, duplicate accounts, accounts that I never entered into a contract with the reporting company, numerous collection agencies that I do not have nor entered a contract with, accounts that have well surpassed the statue of limitations, etc from collection agencies and other companies/agencies that are submitting this information to XXXX, XXXX and Experian... but they have refused and or denied my request and have not provided any information to me as to how it was investigated..they have not removed the false and erronious information on my credit reports violating provisions outlined in 15 USC 1962, 15 U.S. Code 1681, Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded. These requirements are critical as the accuracy of your credit report can affect whether you qualify for a loan and at what interest rate, and the privacy of your information guards against identity theft, a very serious problem today that can ultimately affect your ability to get credit, insurance, or even a job. Credit reporting violations include where your credit report contains information that is inaccurate or incomplete, disputed or outdated. Violations of these statutes require compensation to you for the damages suffered, plus an additional amount up to {$1000.00} per violation, plus punitive damages, attorney fees and court costs, and often more importantly, allow you to correct and protect your credit report in the future.

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