vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CNG HOLDINGS INC
State: NJ

Complaint narrative:
There is a settlement from Tempoe LLC. There was a settlement. They sent me a letter and told me I did not cash my settlement check. It says I have until XX/XX/year>. I need the check reissued. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My old address was XXXX XXXX XXXX XXXX XXXX XXXX. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: GA

Complaint narrative:
I was reviewing my credit report at Equifax and noticed that there are 3 reports that are illegal and in violation of the FCRA 15USC1681B ( A ) ( 2 ) and regulation F. The reported information in these accounts are not verified, nor were they permitted by me to be reported, and any collectors associated with these accounts failed to notify me of their reporting of these accounts inviolation of regulation F of CFRA. 
The above mentioned accounts are as follows : XXXX. XXXX XXXX {$910.00} XXXX. XXXX XXXX XXXX {$5000.00} XXXX XXXXXXXX XXXX  {$470.00} XXXX did not authorize or permit the reporting of late and or missed payments in these accounts directly or indirectly and i never received notice from any debt collectors affiliated with these accounts as to the reporting of such late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
They are XXXX AMEX gift cards. I have verified the balances yet whenever I try to use one of the online or to move the funds to a digital wallet it charges {$0.00} and then nothing else. The purchase gets declined and eventually the {$0.00} gets put back on the card. Have tried it at a dozen different places with the same outcome every time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Servatus Corporation
State: FL

Complaint narrative:
This letter serves as formal notice and demand for resolution regarding the account transferred from XXXX in the amount of {$6500.00}. The transfer of this account was not conducted in accordance with federal and state law. Additionally, XXXX did not have, and never will have, my consent to transfer or assign this account to you or any other party. 

I am holding you accountable for violations of the following applicable laws : Federal Laws Violated : XXXX Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Misrepresentation of debt ownership and improper account transfer without my consent.

2 Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Reporting inaccurate or unverifiable information to credit bureaus.

3 Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq.

Failure to provide required disclosures regarding the assignment of the debt.

Florida State Laws Violated : 1 Florida  Consumer Collection Practices Act ( FCCPA ), Fla. Stat. 559.72 ( 9 ) : Claiming or attempting to enforce a debt that is not legitimate or authorized.

2 Fla. Stat. 559.77 : Allowing recovery of damages for violations of the FCCPA.

Due to your actions, I have suffered actual damages in the amount of {$6500.00}. Under state and federal law, I am entitled to recover damages up to the actual amount due to the unlawful transfer, misrepresentation, and inaccurate reporting. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX Contact via email only XXXX All rights reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: WV

Complaint narrative:
On my XXXX report the loan is XXXX paid yet on XXXX it is listed that one, the account was closed in XXXX of XXXX  which is incorrect, two the amount saying that is owed is incorrect and three there is clearly and error somewhere and according to to sub-title 15 USC 1681 I need this removed from my credit report and if its not I will be seeking legal counsel and damages for said mistake and error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$5.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Credit limit - Highest balance {$8200.00} Terms 1 Months

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 2024-12-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Social security number was hacked by using this service and phone scam was connected which stole about XXXX of my funds which cost me to lose my usaa account that I had had for XXXX years

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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: DC

Complaint narrative:
My information was Exposed in the Equifax Data Breach. As a result I have XXXX  severe damage to my consumer report and my mental capacity. Please delete these accounts and inquiries immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: John C. Heath, Attorney at Law, PLLC
State: MO

Complaint narrative:
I paid lex law to repair my credit and took monthly payments and didn't repair my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bounce AI, Inc.
State: FL

Complaint narrative:
Date : XX/XX/year>XXXX  Name : XXXX XXXX Creditor Name : Bounce AI Creditor Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Subject : Formal Dispute of Debt and Credit Reporting Account XXXX To Whom It May Concern : I am writing to formally dispute the account referenced above, which has been reported to credit bureaus and is being pursued for collections by Bounce A.I. This account was originally owned by XXXX and has already been charged off. Additionally, XXXX has received a tax credit from the IRS for this charge-off, rendering further collection attempts inappropriate and potentially unlawful. 
Under IRS regulations, creditors who charge off debts and receive a tax benefit are required to issue a Form 1099-C to the debtor. I have not received such a form, and without this documentation, any further collection efforts would be in violation of IRS guidelines and could constitute fraud. 
Furthermore, there has been no proof provided of my ownership of this debt since it was charged off. Without legal validation of ownership, XXXX XXXX. has no rights to pursue collection efforts or to report this debt to credit bureaus. 
I demand that this account be immediately removed from my credit reports and that all collection activity cease. Failure to comply with this request within 14 days of receipt of this letter will leave me with no choice but to take the following actions : XXXX. File a formal complaint with the IRS regarding this fraudulent activity. 
XXXX. Pursue legal action against XXXX XXXX. and any other involved parties for inaccurate and illegal reporting of information to credit bureaus. 
I trust that XXXX XXXX. will act promptly to rectify this matter. Please confirm in writing that this account has been removed from my credit reports and that no further collection attempts will be made. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: IN

Complaint narrative:
NATIONAL CREDIT AUDIT CORPORAT a collection of {$2900.00} on my account without contacting me. they claimed to send email to me and I did not receive any email. the collection amount and information reported on my credit report is inaccurate and it has affected my credit and ability to scale forward financially. 

I am requesting you to please compel NATIONAL CREDIT AUDIT CORPORAT to remove a collection of {$2900.00} from my account based on the following reasons : 1. I was not notified of this account before reporting it as as collection on my credit report.

2. I was not aware of this debt from any original creditor.

3. Every attempt to call them to settle this
has not been fruitful.

4. I was not giving the opportunity to dispute this debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
In XX/XX/XXXX, a loan was taken out through cashnetUSA in the amount of {$2500.00}. I did not take out a loan. I froze my credit in XXXX and Im confused how a loan would be taken out at all. I dont know where the money went. I dont know who took the loan out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: NY

Complaint narrative:
On My credit report there is a discover account a XXXX XXXX account and a XXXX XXXX systems account on my report all which happened as a result of identity theft. i submitted an FTC complaint to the XXXX major credit bureaus XXXX XXXX and Trans Union in or around XXXX of XXXX  along with a police report of the actual crime. The information was not removed from my credit report. Please have them remove the fraudulent accounts from my report immediately. 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 non-monetary relief
Consumer complaint received 2024-12-22 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: IN

Complaint narrative:
The charge off on my account needs to be removed immediately because it VIOLATES MY CONSUMER RIGHTS this information is inaccurate and incorrect XXXX XXXX XXXX XXXX XXXX EQUIFAX reported it was closed XXXX XXXX XXXX XXXX reported it was closed XXXX XXXX XXXX  This charge off needs to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX for the XXXX XXXX XXXX XXXX ( Case No. XXXX ) The information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
Account Name : XXXX XXXX XXXX/ Balance : $ XXXX Opened : XXXX. XXXX, XXXX Identity Theft Account Name : XXXX XXXX  Balance : $ XXXX Opened : XXXX XXXX, XXXX Identity Theft Account Name : XXXX XXXX Balance : XXXX XXXX Opened : XX/XX/XXXX, XXXX Identity Theft Account Name : XXXX XXXX XXXX Balance : {$840.00} /Opened : XXXX XXXX XXXX XXXX / Identity Theft It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. There has been no legal proof of the marks has been provided or proven. I have reported the theft of my identity to the Federal Trade Commission ( FTC ) and have enclosed copies of the supporting documents, including the FTC Identity Theft Affidavit. This unauthorized reporting has negatively impacted my credit standing. I respectfully request that the FTC, FDIC, & CFPB investigate this matter and take appropriate action to ensure that the erroneous and derogatory information is removed from my credit report. I am also pursuing complaints at federal levels to address these violations because my consumer rights have been violated and belittled.

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 2024-12-22 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Someone started to use my Navy Federal account in XXXX and made SEVERAL fraud charges. I did not suspect any fraud because my card was in my possession the entire time. On XXXX XXXXXXXX I received a push notification about a purchase of over {$400.00} from XXXX being declined and upon opening my account to see what was going on all of my money was gone. I have been a customer with Navy Federal and my account has NEVER been in bad standing. I have also NEVER spent all of my money. I have consistently kept XXXX in this account and now I have been wiped clean of about {$6100.00} and I am being asked to provide proof I am unsure of how I can provide proof of fraud. The purchases were not made by me and I have tried reaching the merchants and I am being told I need order # s in order to get any info about the orders placed which i Dont have because I didn't place the orders. Can someone please help me sort this out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: NJ

Complaint narrative:
On XX/XX/XXXX. I filed a claim in XXXX Against Consumer Adjustment co, XXXX XXXX XXXX, AND XXXX XXXXXXXX XXXX for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., The fair Credit reporting act 15. U.S.C 1681 et seq, NEW JERSEY UNFAIR TRADE PRACTICES ACT XXXX et seq Defamation and for invasion of privacy through intrusion upon seclusion On XX/XX/XXXX I officially served all respondents on XX/XX/XXXX I notified the XXXX that all Respondents had been served via email. As of XXXX XX/XX/year>. 

I have yet to be updated on any aspect of the Case besides the filing number I have not received any response from Consumer Adjustment Co about their violation of 1692 E2 ,1692 E8 1692F1 yet they have attempted to change the unauthorized amount previously furnished on the my Consumer Report as shown in the Attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Credit Corporation
State: MI

Complaint narrative:
As stated in my last complaint ... Ive asked for a original contract from this company and they have not provided me with that contract with in the time frame allotted by the FCRA. next step if not removed from my credit report will be financial damages and I will be filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ Date ] Regional Acceptance Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Account Details Dear Sir/Madam, I hope this letter finds you well. I am writing regarding my account with Regional Acceptance Corporation, referenced in the attached document. Please note that I am not disputing this account. Instead, I am requesting clarification and specific details related to its history for my records. 

Specifically, I would like to request the following information : 1. The date of first delinquency for this account.

2. The date of last payment made on this account.

3. The date of charge-off for this account.

Providing this information will help me maintain accurate personal records. I would appreciate your cooperation in furnishing these details promptly. If there are any forms or processes required for my request, please let me know. 

Thank you for your assistance. Should you need additional information from me to complete this request, feel free to contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX Account Number : 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 2024-12-22 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: Transform Credit Inc.
State: GA

Complaint narrative:
The company Transform credit is reporting a hard inquiry on my credit report without my knowledge or consent. They inquired on XX/XX/XXXX and set it to continue until XX/XX/XXXX They are reporting it for 3 years when it is supposedly only to be reported for 2 years. Transform credit is in violation of 15 USC 1681b- Permissible purposes of consumer reports. This code states a consumer reporting agency may furnish a report only under these circumstances. 1. In accordance with the written instructions of the consumer in whom the report relates. 2.They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation