vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 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:
In accordance with the Fair Credit Reporting Act. The list below has violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC Section 602 A. States I have the right of privacy.15 USC 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instruction. ( I did not give ) .15 USC 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse then records of conviction of crimes which antedates the report by more then seven years.15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reported agency if the person knows or has reasonable cause to believe. 

I am disputing all accouts with, all the Credit company 's. Equifax, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: NV

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: FL

Complaint narrative:
I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 XXXXXX/XX/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 2024-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to you regarding the late payment entries currently appearing on my credit report. After reviewing my credit history, I have noticed that there are instances of late payments listed, which are negatively impacting my credit score. 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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Eastern Revenue, Inc.
State: PA

Complaint narrative:
When I started the course and the year XXXX  I sent the letter canceling my semester before the semester started. Apparently they say they never received the letter of the cancellation. They wanted me to pay the full amount of my semester I got laid off and I couldnt afford to pay my semester and when I made a phone call to the place they told me if I write a letter before the semester over and start the new semester I could cancel it I was not gon na pay for it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to you with an immense sense of urgency and frustration regarding the fraudulent accounts that are still tarnishing my credit report. It has come to my attention that despite repeated requests and clear evidence of fraudulent activity, these erroneous entries persist on my credit profile. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

I recently reviewed my credit report and I have tried to reason with the company ( Experian and XXXX ) about this FCRA error on my credit report. I received a copy of my credit report and noticed unauthorized inquiries. This is a major FCRA violation and against my consumer rights please remove these UNAUTHORIZED INQUIRIES from my account. 

I did not authorize, had no knowledge of, and/or the number of inquiries exceeded my expectations. These inquiries are harming my ability to obtain new credit. Thank you for your prompt attention to this matter. 

I demand these UNAUTHORIZED INQUIRIES TO BE REMOVED ASAP! 

The inquiries are listed here : 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 2024-02-23 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
This Company is reporting this debt as being late when its already been charged off. This Company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.I also never received a 1099c cancellation of debt form from the IRS.Not to mention they have violated code 15.U.S.C.1681s-2 ( a ) ( 1 ) ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions banking has been taking {$8.00} a month from my account for not having an average balance of {$1500.00} a month. They refused to wave the junk fees on XX/XX/24

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 2024-02-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 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 2024-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: OH

Complaint narrative:
On XX/XX/2024 I submitted a payment of {$14000.00}. This amount was to pay off XXXX of my loans, XXXX amounting to {$7600.00}, and the other {$6600.00}. The {$14000.00} was withdrawn from my bank account XX/XX/2024. The payment of {$14000.00} was listed as pending on EdFinancial until today, XX/XX/2024. Today, it shows {$6600.00} as received. My loan of {$6600.00} is marked as paid off to {$0.00}. The {$7600.00}, however, is missing. There is absolutely no sign of the money in my recent payments. All that is listed is the {$6600.00}. My loan of {$7600.00} is still at full balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I was just there I woke and saw my account has been restricted only to call to tell them has been locked and I should call them no reason they dont want to give my money thats chase bank

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion has a variety of items on my report that arent mines and alot of fraudulent activity I also had stolen identity

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 2024-02-23 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The open dates, dates of last activity, and other details for these accounts are incorrect. Under 15 USC 1681i ( 5 ), credit reporting agencies must modify any inaccurate or unverifiable information on a consumer 's report. 

Furthermore, including these accounts without my consent violates : - 15 USC 1681 section 602A, my right to privacy - 15 USC 1681 section 604 A section 2, which prohibits furnishing an account without written consumer authorization - 15 USC 1681c ( a ) ( 5 ), which limits reporting adverse information over 7 years old - 15 USC 1681s-2 ( a ) ( 1 ), which prohibits furnishing known inaccurate information Additionally, repeatedly contacting me about these alleged debts at my place of employment violates 15 USC 1692c , which prohibits communication at an inconvenient time or place. Contacting my family members about these debts violates 15 USC 805 ( b ), which prohibits communication with third parties. 

I request that you immediately delete these unauthorized accounts from my credit report to ensure accuracy and compliance with the FCRA. Please provide me with an updated report reflecting this correction. Accurate credit information is essential for me to obtain credit and employment, and I appreciate your prompt assistance in resolving this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: OK

Complaint narrative:
On XX/XX/2024, at XXXXXXXX XXXX  I prepared to transfer my money from my XXXX checking to my savings account with Marcus, as I had just been paid according to my recent transactions. I had about {$710.00} in my Marcus savings prior. 

When I tried to log in through the Marcus app, the screen displayed that I needed to log out, and it automatically logged me out, not even a few seconds later. I was surprised but didn't think much of it since the app had a face ID login, and I tried to log back in like normal. When I put in my information on the username and password, the screen showed me that the username was not found. I tried logging in until a screen displayed a phone number to call and a text saying, " We've temporarily locked your account. Please call us to have it unlocked, '' which I did first thing in the morning. 

The person on the phone asked for my information, and I gave my personal information, to which they responded, " Please call us again when you have the correct information. '' I was shocked as I had emails and phone text messages from my Marcus account with the same personal information I had given them. I called again the next day, and this time, they asked for my secret code, which I still needed to remember as the automatic face ID login assured me I didn't need to manually memorize my information as they have a secure login system. 

I called repeatedly and still need help to unlock my account. I was told, " Please call us again when you have the correct information. " I gave up as I realized I had made a mistake in not manually memorizing my secret code. I also manually tried to reset my username and password through the app, which didn't work either. 

I didn't know what else to do but was puzzled when I still received emails from Marcus about my account. Then, I learned about CFPB from my manager, which is why I am writing this complaint. If Marcus recognizes my email and a savings account clearly tied to my person, why can't I log in and have access to my money? Could you let me know why I am not given any other way to prove I am the owner of my own account?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
When I started the course and the year XXXX I sent the letter canceling my semester before the semester started. Apparently they say they never received the letter of the cancellation. They wanted me to pay the full amount of my semester I got laid off and I couldnt afford to pay my semester and when I made a phone call to the place they told me if I write a letter before the semester over and start the new semester I could cancel it I was not gon na pay for it

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 2024-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Scheer, Green & Burke L.P.A.
State: MI

Complaint narrative:
Good evening ; this company SCHEER , GREEN & BURKE L.P.A . I have disputed this before I need this company to not attempt to use my data since my name is a trust and is assumed and will take them to court for using name or data without consent. The company is asking me to write a letter and I will not assume responsibility is not mine and I will not give them any information of mine after they committed fraud by using my information without my consent. Also there is a declared disaster emergency in my area and they should not be reporting anything without my consent. I demand this company to stop harassment and trying to force something that is not mine. And I will have to put a court order asking them to provide information on how they were able to steal my data. I demand them to stop any reporting or I will be obligated to take them to court and I will defend myself as a woman and with the constitition rights as I have my assumed and trade mark name and they violating my rights as LAW land, air and water. Please do not use any data without consent because in court they will have to pay for the lien i have towards myself if anyone uses my name or any of my data because Im the beneficiary of the trust. Please I will notarized a letter and ask them for a verification of how they stole my data since I had identy theft and I consider that they were able to steal data and use it without my consent. Right now a lot of companies that have used my name as credit reporting agencies have to respond as well for miss using information without verifying it first.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My mom has been using my credit and my social security number for loans and credit cards

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 2024-02-23 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I applied for a Best Buy Credit card through city bank and it says I was approved. I came to a screen that asked for me to reach out to the company and I did. Upon speaking to an operator she advised my account was denied. I had a Best Buy credit card before for many years and never had this issue. It also stated terms and conditions of me accepting the card to only speak to an agent and be denied. The reason for denial is because they couldnt verify my identity using my cellphone number which is bogus. Using my identification for verification is a scam to say they use phone verification and require a certain type of phone with my name on the bill in order to qualify for the card. Sounds like discrimination and predatory in me applying for a card I qualify for only to be denied for a fake reason

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 2024-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
This Company is reporting this debt that has been charged off by a third party. This Company also is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.I have not received any of these documents.I also never received a 1099c cancellation of debt form from the IRS.Not to mention they have violated my rights under code 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Debt collectors are required by the FDCPA to send you a written validation notice with information about the debt theyre trying to collect before reporting this to the credit bureaus. 

Transworld failed to do this therefore this account should not be reporting on my credit report. 

In addition, Theres no proof that this debt belongs to me. I have not had any accounts with the original creditor listed under this account. XXXX was unable to provide me with any documentation regarding this so called debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-23 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: VA

Complaint narrative:
The credit inquiries listed are unauthorized and I have attempted multiple times to contact these companies directly to have them remove them and haven't received a response : XXXX : XXXX. XXXX XXXX XXXX : XX/XX/2022 XXXX. XXXX XXXX : XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX : XX/XX/2022 XXXX. XXXX XXXX : XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX : XXXX XXXX XXXX : XX/XX/2022 XXXX. XXXX XXXX : XX/XX/2022 Transunion : XXXX : XX/XX/2022

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