vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-09 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: PA

Complaint narrative:
In accordance with the ) Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights and privacy and confidentiality, under 15USC 1681. 
Account name : XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX 15 U. S. C 1681 SECTION 602 A. States I have a right to privacy.

15 U. S. C 1681 SECTION 602 A. Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U. S. C 1681c. ( a ) ( 5 ) SECTION 6 A Section 2 : It also states a consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U. S. C 1681s- ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows of had 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 2023-03-09 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This is an out of statue account since this was paid so many years ago, and I am not liable for the repayment of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: GA

Complaint narrative:
I received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT STATUS 120 DAYS LATE ACCOUNT BALANCE : $ XXXX {$4300.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT STATUS 120 DAYS LATE ACCOUNT BALANCE : $ XXXX {$6000.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT STATUS 120 DAYS LATE ACCOUNT BALANCE : $ XXXX $ XXXX {$3800.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT STATUS 120 DAYS LATE ACCOUNT BALANCE : {$6000.00} ACCOUNT NAME : XXXX XXXX XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME : XXXX  XXXX XXXX  XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX  XXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX I have attached a copy of my ID for identity verification and a bill for address verification.

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 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me.

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 2023-03-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Javitch, Block & Rathbone LLC
State: OH

Complaint narrative:
I got calls from some place called XXXX XXXX XXXX and they said i had a debt with them. I have never did any business with this company and i told them i wanted the validation of debt. They never did that and they didnt call me back and now has hired an attorney to send threatening letters demanding payment. The attorney also put their company name on the envelope and didnt use the mini miranda in their letter. I want them to cease the collections and to pay for the violations of the FDCPA. Lawyers should be held accountable and they are clearly robo signing documents.

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 2023-03-09 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
While on vacation a fraudulent charge was made on my account. A restaurant had taken my card to settle the bill and it charged the correct amount which I agreed to. While they had my card they must have swiped it again for a fraudulent amount which I did not realize until I got home. I instantly locked my card and disputed the charge. I have tried calling Citi Bank many times and I keep getting transferred to different departments or lied to. One time calling the person I was on the phone with had told me that he had credited my account for the fraudulent charge and that I should see it in a few business days.He must have lied to me just to get me off the phone with him. After a few weeks I called back and they let me know that was not true and the claim was denied and closed. I have tried many different ways to contact Citi bank but they have made it very complicated to get a hold of someone who can actually help. 


The date was XX/XX/XXXX and the amount was XXXX. 

Here are the details of the charge on my statement without including any PII. 
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 explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
NATIONAL CREDIT SYSTEM REFUSEL TO SEND ME THE ORIGINAL LEASE AGREEGMENT I CO-SGINED ON LEASE ONE YEAR FOR MY DAUGHTER WHEN SHE WAS IN COLLEGE STAYING XXXX XXXX XXXX THE LEASE WAS PAID AS AGREE AND PAID OUT IN FULL ADVANCE FOR ONE YEAR. ALSO XXXX XXXX XXXX NO LONGER IN BUISNESS. I NEVER CO-SIGNED LEASE AGREEMENT WITH XXXX XXXX XXXX XXXX. I HAVE REQUEST FOR THE ORIGINAL LEASE AGREEMENT FEW TIMES TO BE SENT ME I NEVER RECEIVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello I am XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have 3 JPMorgan Chase credit cards, all of which I pay on time. JPMorgan gave me a very high credit limit on each card. I have always paid them on time and all of the interest they charge. Right before I moved to XXXX, NY, Chase intentionally decreased my credit limits and caused cards to be near or over the balance for no reason at all. This caused by credit score to drop to a point where I can not get an apartment. They also would not let me use my card to make small political donations to the Democratic Party. I want them to fix their intentional misconduct that is preventing me from getting housing. They also won't refund a charge that was fraudulent and lie to me over the phone about it. JPMorgan also has a ton of fake student loan accounts. Take action against JPMorgan and demand they reverse their retaliatory conduct so I can get an apartment. I don't want to use their cards, but they need to fix the credit limit and adjust it to where it was so my credit score accurately reflects my credit worthiness rather than having it drop a ton and prevent me from getting housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
My car payment on XX/XX/XXXX and XX/XX/XXXX, were sent by my bank to Nissan XXXX XXXX rather than Nissan Motor Acceptance Corp. When I was contacted by Nissan Motor Acceptance Corp of the problem, I made a double payment over the phone. Now neither Nissan XXXX XXXX or Nissan Motor Acceptance Corp can tell me where my two vehicle payments are. Neither is willing to work with me or do an investigation to return my money. The two check numbers from the credit union is check # XXXX, XX/XX/XXXX and check # XXXX, XX/XX/XXXX. I have contacted both entities several times, ask customer service to transfer me and remain on the line so I could speak to both at the same time. Each time they would eventually disconnect. your assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
There are 4 different accounts reporting on my credit report that do not belong to me and are from identity theft. All four of the accounts are from LVNV FUNDING LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: WI

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 XXXX XXXXXXXX XXXX : # XXXX, XXXXXXXX XXXX XXXXXXXX : # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I suspect that my card may have been stolen during the delivery process, as I have not received the physical card yet. Unfortunately, someone seems to have intercepted the card and gained access to my card information, which they have used to make unauthorized transactions. 
Claim Number : XXXX Claim Number : XXXX Please help me to get my funds back 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 2023-03-09 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: FL

Complaint narrative:
NOTICE REGARDING IDENTITY THEFT NONPUBLIC PERSONAL INFORMATION WAS COMPROMISED. BLOCK AND DELTE IMMEDIATELY SEE ALLEGED ACCOUNTS BELOW. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: OH

Complaint narrative:
I just received a notification from XXXX XXXX XXXX XXXX and the balance that is owed is less than the amount shown on my credit report. I filed disputes in the past regarding this account and everything came back accurate. Also this lender opened this charged off account multiple times causing my credit score to drop. When they reopened the account with XXXX, it added more than {$17000.00} to my open accounts balance damaging my score. I believe this company may have broken the 15 U.S. Code 1692 e 2 ( a ) and 9. Which states 2 ( a ) The false representation of ( A ) the character, amount, or legal status of any debt. And 9 which states The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. The lender must have given, you, the credit bureaus written verification of this debt showing the the amount and accurate dates which have been inaccurate for the past 4 to 5 years. Also the company created a false representation of the amounts due and the date the account was closed. Theres multiple errors with this account and they havent been resolved over the years. In addition to this, the last balance due on the transaction report the lender provided me is {$15000.00} on XX/XX/XXXX yet I received an email XXXX XXXX, XXXX stating I owed {$17000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I just received a notification from XXXX XXXX XXXX XXXX and the balance that is owed is less than the amount shown on my credit report. I filed disputes in the past regarding this account and everything came back accurate. Also this lender opened this charged off account multiple times causing my credit score to drop. When they reopened the account with XXXX, it added more than {$17000.00} to my open accounts balance damaging my score. I believe this company may have broken the 15 U.S. Code 1692 e 2 ( a ) and 9. Which states 2 ( a ) The false representation of ( A ) the character, amount, or legal status of any debt. And 9 which states The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. The lender must have given, you, the credit bureaus written verification of this debt showing the the amount and accurate dates which have been inaccurate for the past 4 to 5 years. Also the company created a false representation of the amounts due and the date the account was closed. Theres multiple errors with this account and they havent been resolved over the years. In addition to this, the last balance due on the transaction report the lender provided me is {$15000.00} on XX/XX/XXXX yet I received an email XXXX XXXX, XXXX stating I owed {$17000.00}.

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 2023-03-09 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting the following XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX BANK XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. These accounts do not belong to me. They should not be on my Transunion credit file.

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 2023-03-09 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: WI

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09 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: TX

Complaint narrative:
Wrong Address and misspelled names are on my credit report after multiple disputes Inaccurately reported jobs on 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 explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION
State: NY

Complaint narrative:
BP Master Card I am being charged excessive HIDDEN fees. I was charged {$2100.00} in late fees in the last two months owing a small amount. I logged in shocked to find my available credit was only {$250.00} after paying over {$2000.00} my line is {$4500.00}. I look online cant figure out whats wrong talked to 4 representatives just to find out there was a late fee of {$800.00} and {$1100.00} that I couldnt even see. The fees are excessive they will not waive or assist. With all the money paid to the card was literally taken all in late fees. How come these transactions are not posted on our dashboard they are hidden?

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