vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-10 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX DOB : XX/XX/XXXX XXXX # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Attn : Customer Relations Department XX/XX/XXXX Re : Request to describe method of verification To Whom It May Concern : I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 



Re : Account Name : XXXX XXXX XXXX Account Number : XXXX Please send the following information used to verify the validity of XXXX XXXX XXXX Account Number : XXXX I am formally requesting that you provide proofs of the following : The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 



I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 



Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION
State: MA

Complaint narrative:
Pentagon Federal Credit Union refuses to provide certain services to consumers who do not effectively communicate via telephone. I contacted Pentagon Federal via chat with a service request and PenFed representatives XXXX XXXX informed me that there is a security reason that Pentagon Federal is not able to provide reasonable accommodations to consumers who do not communicate via telephone but failed to provide any details on what the security reasons are and why it is a burden for PenFed to provide reasonable accommodations to a class of consumers with disabilities and to ensure secure access to all services provided to the public to all customers, nit just the customers who are effective telephone communicators.

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 2023-06-10 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I got a debt collection on a credit card they i was paying on never was told they was close this credit card i never got a called or email

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 2023-06-10 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: MI

Complaint narrative:
XXXXXXXX XXXX Account name XXXXXXXX XXXX Account number XXXX {$860.00} Have this company send proof of my signature. I have never done business with this company. 



Account name XXXX XXXX XXXX XXXX Account number XXXX Account charged off. {$2.00}, XXXX written off. 
Recent payment {$2000.00} If a payment was submitted for {$2000.00} as recent payment why is this showing on my report. Have this company send video proof or at the very minimum proof of my signature to validate this account. I have an identity theft alert on my account. 



Account name XXXX XXXX XXXX  Account number XXXX Account charged off. {$100.00} written off. {$100.00} past due as of XXXX XXXX 

If they claim this was written off, then they are paid. The company gives me the run around. Says card was a PREPAID card meaning someone had to put money up to open it. If not removed, I will be filing a claim in court. I am done playing kiddie games.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXXXX/XX/XXXXAccount name XXXXXX/XX/XXXXAccount number XXXX {$860.00} Have this company send proof of my signature. I have never done business with this company. 



Account name XXXXXX/XX/XXXXXXXX XXXX Account number XXXX Account charged off. {$2.00}, XXXX written off. 
Recent payment {$2000.00} If a payment was submitted for {$2000.00} as recent payment why is this showing on my report. Have this company send video proof or at the very minimum proof of my signature to validate this account. I have an identity theft alert on my account. 



Account name XXXX XXXX XXXX Account number XXXX Account charged off. {$100.00} written off. {$100.00} past due as of XX/XX/2022. 

If they claim this was written off, then they are paid. The company gives me the run around. Says card was a PREPAID card meaning someone had to put money up to open it. If not removed, I will be filing a claim in court. I am done playing kiddie games.

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 2023-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to officially bring to your attention a serious issue I have recently encountered with Chase Bank, which resulted in substantial financial losses and disruption of my business operations. 

I am a customer of Chase Bank, and I maintain a high standard of diligence when it comes to the management of my finances. However, despite my efforts, I have suffered a significant loss due to an unjustified transaction rejection by the bank. 

I attempted to purchase a stock of merchandise from an overseas supplier, valued at approximately {$7000.00}. Upon initiating the transaction, I was informed by the bank that the transaction had been rejected. I immediately contacted the bank to rectify the situation but was met with an uncooperative response. Despite my insistence and the criticality of the transaction for my business, the bank failed to provide an adequate solution or allow the transaction to proceed. 

This action from Chase Bank not only caused an immediate financial loss, as I was unable to secure the merchandise and lost the associated investment, but also led to downstream impacts on my business, disrupting my operations and causing reputational damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: TX

Complaint narrative:
XXXX XXXX XXXX  Account # XXXX this account is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed

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 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have sent numerous of letters to XXXX, XXXX, TransUnion! We have not heard a response in XXXX business days. By law if nothing is sent in 30 days they are to remove all accounts listed below. Also by law 15 USC 1681i says that there credit investigation would be done with a neighbor and they have not followed the laws. In my letters I stated I was take action. 

These are the accounts below XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and remove all Listed accounts from all bureaus.

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 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have sent numerous of letters to experian, XXXX, XXXX! We have not heard a response in XXXX business days. By law if nothing is sent in 30 days they are to remove all accounts listed below. Also by law 15 USC 1681i says that there credit investigation would be done with a neighbor and they have not followed the laws. In my letters I stated I was take action. 

These are the accounts below : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and remove all Listed accounts from all bureaus.

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 2023-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Applied for XXXX in XX/XX/XXXX with XXXX. XXXX approved XX/XX/XXXX. Called XX/XX/XXXX. Advised to resubmit. Resubmitted XX/XX/XXXX. Called XX/XX/XXXX. Told to be patient. Called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX a manual transfer was requested for loans to be transferred from Nelnet to XXXX. Called XX/XX/XXXX still waiting for loans to be transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I recently tried to get an apartment and wasnt approved due to this collections. 

I am in bankruptcy XXXX XXXX XXXX XXXX  and this never came up. I tried to settle but customer service wouldnt help. I had no knowledge of this collection until I was trying to be approved for an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX by mistake transfer {$1000.00} to someone I dont know but is on my XXXX list. With XXXX I found out is wrong, I try to contact the Bank of America XXXX but is too late, Bank already cly. The next day I went to the Bank Of America, they told me chance is very slim and ask to contact 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 2023-06-10 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: VA

Complaint narrative:
I have unlawful inquiries and delinquencies on my credit report. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX- XXXX XXXX Capital XXXX ( XXXX XXXX ) XXXX XXXX Credit XXXX Bank- XX/XX/XXXX 25

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: FL

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. 

XXXX XXXX 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 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 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 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc.
State: FL

Complaint narrative:
when i finally got my credit usage to below 50 % after paying it down for over a year, they lowered my credit limit to what my current balance was, making my credit usage 100 % and losing me XXXX points on my XXXX XXXX. when i paid half of the remaining balance to once again get it below 50 % usage, my XXXX XXXX goes down another XXXX points because grain reports that my account is closed, which it was *not*. i still had the option to close my account on the app. due to this and many other grievances i have with this company, i just paid off the entire thing on XX/XX/XXXX. ive disputed the account twice since then because they are still reporting that i owe them 45 % of my credit usage, to this day. i literally did the right things paying my debt and my credit went DOWN that is so not fair i waited so long.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # 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

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 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I am having repeated problems with XXXX primarily. They have changed the account infomarion of my XXXX XXXX XXXX XXXX now, FOR THE XXXX TIME! I've had enough of them. XXXX and now, EQUIFAX, had re-imputed the balance owed as {$490.00}, AGAIN! I just left my XXXX XXXX XXXX XXXX and the representative just re-verified to me that I PAID OFF THIS back balance of {$490.00}! This is the XXXX time that XXXX has done this to me and i'm very upset about these bureaus repeatedly breaking the FCRA laws. Please help me correct this issue with EQUIFAX as well. I OWE NO BALANCE TO XXXX FEDERAL CREDIT UNION AND THEY CAN VERIFY THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I am having repeated problems with TRANSUNION primarily. They have changed the account infomarion of my XXXX XXXX XXXX XXXX now, FOR THE XXXX TIME! I've had enough of them. TRANSUNION and now, XXXX, had re-imputed the balance owed as {$490.00}, AGAIN! I just left my XXXX XXXX XXXX XXXX and the representative just re-verified to me that I PAID OFF THIS back balance of {$490.00}! This is the XXXX time that TransUnion has done this to me and i'm very upset about these bureaus repeatedly breaking the FCRA laws. Please help me correct this issue with XXXX as well. I OWE NO BALANCE TO XXXX FEDERAL CREDIT UNION AND THEY CAN VERIFY THIS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 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: FL

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 XXXX XXXX XXXX. 

XXXX XXXX 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: FL

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. 

XXXX XXXX CT-EAST DIST MIC 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 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 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 2023-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Paramount Recovery Systems, L.P.
State: MD

Complaint narrative:
On XX/XX/XXXX, I got an email saying I had a change to my credit score. I logged in to find my score had gone down some 90 points due to a new debt on my report. Some company called Paramount Recovery Systems based out of XXXX, Texas. I never received any direct correspondence from them. No phone calls, no letters, no email, nothing. I had to look them up and call them. After speaking to them briefly, I decided to call the hospital in which this debt seems to be for. I had some confusion a year and a half ago over a radiology bill from an ER visit in XXXX of XXXX, and I was able to get it taken care of through the help of the hospital and the Department of Veterans Affairs, which I have my health insurance through. I spoke with the hospital 2 days later, around XX/XX/XXXX, and they informed me that I do not have any outstanding debts with them. I further followed up with the Radiology billing department that is separate from the ER billing, and I asked what debt collection agencies they go through. Paramount Recovery is not one of them. They have never heard of Paramount Recovery Systems, and also told me they have not sent anything out to collect a debt from me. I called this suspicious debt collector back and informed them what the hospital said. The lady I spoke to was extraordinarily rude, and insisted I did not know what I was talking about. I asked her, " Ma'am, how do you know more about the hospitals billing than the hospital? You're based out of Texas, I am here in Maryland? '' Her response was " I've been doing this for 20 years, I know what I am talking about ''. Upon checking their reviews on XXXX, Paramount Recovery has XXXX stars and many folks who have similar stories to mine. This seems to me like a clear scam, and I am in the process of disputing this with the major credit bureaus so I can get my score fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation