vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 


Collection agency : Receivables Performance Original Creditor : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: NC

Complaint narrative:
This is my another endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX A XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XX/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 2022-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
In mid XXXX, there were repeated attempts by a hacker to access my USAA accounts. My accounts were locked several times, but re-opened each time. 
USAA was aware of the situation and advised that I change my password, which I did. 
On XX/XX/XXXX, I was notified that a request to increase the limit on withdrawals was made, and I declined it. The card was not XXXX belonging to me, or any family member. 
When I called USAA, I discovered that in late XXXX, they allowed someone to add a phone number to my account, and sent them a debit card to access my accounts. The hacker then withdrew {$6000.00} in various amounts from multiple ATMs. 
My primary complaint is that USAA, knowing the situation, gave someone a card to my accounts and allowed them to add a number to my account. The fraud department admitted this on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: GA

Complaint narrative:
In accordance with the XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX Acct XXXX XXXX, and XXXX XXXX XXXXXXXX acct 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.

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 2022-10-01 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: GA

Complaint narrative:
In accordance with the XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX Acct XXXX XXXX, and Dept XXXX XXXX acct 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: NC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: NC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account 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.

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 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: NY

Complaint narrative:
Between the years of XXXX I was being sent a lot of pre approved offers from Credit Karma for Credit cards , personal loans and car loans. At first I ignored it because I have other goals to focus on and other things Im building credit for, BUT Credit Karma kept sending the emails and enticed me to apply EVERYDAY. I would see different offers every time I logged in to check my credit scores great rates, after a few months of being told that I was pre approved I started to think about the dream car I can have and the personal loan I can have during the hard times in the pandemic, I got so many offers through credit karma I went ahead and applied knowing with the information from credit Karma, THIS IS THE LOAN FOR ME I finally applied and was denied. I was highly disappointed and deceived by credit karam emotionally. I would use the funding to support my family. Credit Karma told me I was approved but lied. I didn't get the credit card or loan, instead I have more inquiries on my account which is hurting my credit report. This has caused me stress and feelings of unworthiness as a working citizen. Im so insecure about the term pre approval because of the trap I fell for with credit Karma. I do believe I qualify for the settlement having pre approvals from Credit Karma since XX/XX/2018 That they tricked me into being denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc.
State: NV

Complaint narrative:
Thank you for providing a copy of the NOTE. This copy is surely diffrenet from previous versions that I have ever received On the last page it has a blank endorsement from countrywide official. Unfortunately this is a rubber-stamped signatures of XXXX XXXX XXXX which were surrogate signed onto UNDATED endorsements, meaning signed outside the presence and control of the authorized signor XXXX XXXX XXXX XXXXXXXX XXXX 

I am uploading a case against defendants XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. and XXXX XXXX XXXX. ( Collectively referred to herein as the dkDefendants '' ) for their violations of the False Claims Act ( : kFCA '' ), 31 U.S.C. jj 3729 - 3733. this case was settled in favor of plaintiff as serious charges named STAMPS and wrong doings were accepted by defendents. The foreclosure case against plaintiff was brought by XXXX but XXXX accepted the flase claims of " robosigning '' of endorsing promiossory notes by XXXX XXXX XXXX. surrogates. Such is happening on my NOTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXX XXXX XXXX : {$200.00}

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 non-monetary relief
Consumer complaint received 2022-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: CA

Complaint narrative:
I requested a refund from EdFinancial Services about XXXX weeks ago due to the XXXX XXXX XXXX. I have called each week since to verify if the refund request has been processed. In which they, agreed. Each call I was given a longer expected date of refund. However, I believe that refunds shouldn't take longer than XXXX days. I do want to take advantage of this opportunity to get assistance from the government with my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by Portfolio Recovery Associates , LLC. While checking my credit report, it came to my notice that Portfolio Recovery Associates , LLC has furnished an account ( XXXX ) on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account ( XXXX ) immediately. This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication, confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I received a prepaid debit card with a balance of {$500.00} and was having issues making payments the whole time and only 2 transactions successfully processed. The card does not work and the company promised on XX/XX/30 that if the card did not work by the end of the day that they would send a replacement. They also stated the card expired at XXXX  PST. They tried to blame it on me trying to use the card for cash access however I was not doing this, I was trying to purchase something on XXXX. At the end of the day I called for a replacement and they stated that the first representative was incorrect and they can not make a replacement. They also said the card expired at XXXX  EST, in contrast to what their first representative stated.. My card expired with a {$300.00} balance due to the company purposefully trying to not replace my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: SC

Complaint narrative:
There was a debt from XXXX XXXX I had from XXXX. I have made multiple attempts to consolidate the debt with no avail. This debt was transferred to Jefferson Capital System and I have not received any notices or phone calls to settle the debt, Ive made multiple attempts to dispute it with the credit bureaus but to no avail. This collection is now out of the statute of limitations for the state of XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated and corrected. 
XXXX XXXX XXXX XXXX : {$16000.00}

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 non-monetary relief
Consumer complaint received 2022-10-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated and corrected. 
XXXX XXXX XXXX XXXX : {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
I have sent two cease and desist letters to NCB MANAGEMENT SERVICES to their mailing address on file back on XX/XX/2022, via email to XXXX on XX/XX/2022 then via email a second time on XX/XX/2022 when the harassing phone calls did not stop. 
I have attached the cease and desist letter to this complaint as well as a screenshot of the numbers NCB MANAGEMENT SERVICES has called harassing me from I have made multiple attempts to resolve my debt with rise credit however was unsuccessful. I did not receive any Mail notification or options to mitigate with NCB MANAGEMENT SERVICES, they have continuously harassed me. 

The Fair Credit Extension Uniformity Act encompasses the federal debt collection statute, the Fair Debt Collection Practices Act, and provides certain important restrictions on the conduct of debt collectors.

Unless they have your prior consent or the express permission of a court, debt collectors and creditors may not communicate with you : At unusual times and places Before XXXX XXXX. or after XXXX XXXX 
Via telephone conversation more than once per week concerning a particular debt Using a specific method of communication ( e.g., phone calls or texts ) after you have requested that they stop communicating with you via that particular method At work, if they know your employer disapproves of such contacts When they know you are represented by an attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: SLM CORPORATION
State: MT

Complaint narrative:
I filed a previous dispute because all of my student loans with Sallie Mae are paid off. They removed all but one of the student loans. I have notified them and also the credit reporting agencies and Sallie Mae still won't remove the balance and report the loan as paid.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Thank you for providing a copy of the NOTE. This copy is surely diffrenet from previous versions that I have ever received On the last page it has a blank endorsement from countrywide official. Unfortunately this is a rubber-stamped signatures of XXXXXXXX XXXX XXXX which were surrogate signed onto UNDATED endorsements, meaning signed outside the presence and control of the authorized signor XXXX XXXX XXXX  XXXX XXXX I am uploading a case against defendants XXXX XXXX XXXX XXXX, BANK OF AM ERICA, N .A., XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX ( Collectively referred to herein as the dkDefendants '' ) for their violations of the False Claims Act ( : kFCA '' ), 31 U.S.C. jj 3729 - 3733. this case was settled in favor of plaintiff as serious charges named XXXX and wrong doings were accepted by defendents. The foreclosure case against plaintiff was brought by XXXX but BOA accepted the flase claims of " robosigning '' of endorsing promiossory notes by XXXX XXXX XXXX. surrogates. Such is happening on my NOTE.

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 2022-10-01 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 604 A section 2 : it also states a consumer reporting agency can not furnish a acount without my written instructions.

15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any 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 non-monetary relief
Consumer complaint received 2022-10-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My information was merge with someone else info. Which added accounts I never had. Then my information was stolen and people were buying and opening checking and savings under my name for over XXXX years I been going thru it with XXXX XXXX and XXXX. They had inaccurate info. They have plenty of inquiries that I didnt give permission to check my credit. When we call those bureaus they make it hard on it to fix their own problems they created. 
Also. I have closed accounts. I have old inquiries. I have duplicates accounts. Now they put me in a special department making it hard to get to anybody. I spent over XXXX fixing and getting my credit back to normal

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 2022-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Without warning, Capital One Bank ( XXXX Checking Product ) put a freeze on my opening deposit that I sent via XXXX ( which they had been hounding me for for DAYS after opening the account ). I asm not subject to any kind of garnishment, levy, or anything of that nature. When I attempt to even access my account, I get the following message '' Your funds are currently not available for withdrawal. Please call us at XXXX.

Company response to consumer: Closed with explanation