vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
To whom it may concern ; the above company thats listed ( NATIONAL CREDIT SYSTEM ) violated my consumer rights state section 15USC.1.69 this company made 4 FDCPA VIOLATIONS ; that I will and can take to STATE & FEDERAL court to file a lawsuit for breaking each violation!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
Hello, I closed my account with XXXX in good standing in XX/XX/XXXX. Services were deactivated and I was informed that I will not receive the credit for unused service. I had a prepaid no-contract cell phone plan ( {$25.00} plus taxes ) with XXXX and made the first payment of {$67.00} on XX/XX/XXXX. Had a scheduled auto payment and have been billed monthly. The last payment of {$40.00} I made was on XX/XX/XXXX. The account was closed, and my auto pay was deactivated. Unfortunately, XXXX kept billing me and without any notice sent me to the collection agency. I did not realize that my debt was in collections until I checked the credit report prior to my employment background check. I disputed the above with XXXX and XXXX. XXXX  but have not received any correspondence. According to the credit report the XXXX. XXXX, XXXX account was opened on XX/XX/XXXX but XXXX sent me an E-Bill on XX/XX/XXXX with my balance of {$130.00} still incurring late payment fees. According to XXXX, I have an unpaid balance for XXXX, XXXX, and XXXX of XXXX. Firstly, the account was closed in good standing in XX/XX/XXXX. The last full monthly payment was made on XX/XX/XXXX. After service activation, I was billed for two full months in advance. At this point, I do not understand how I can be billed for services never received and for months ( XXXX and XXXX ) I paid for the prior termination of my account. After an investigation, the collection entry was removed and XXXX placed me with another collection agency, Diversified Adjustment with a balance of {$140.00} or unspecified balance.

Why does the balance of my collection account keep going up? I am looking for help with the abovementioned, as I can not be liable for services I have never received and sent to collections on services I already paid for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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 fair credit reporting act XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 US C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions Account name : Open Sky

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 2022-08-28 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: NY

Complaint narrative:
In accordance with fair credit reporting act XXXX  account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 US C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions Account name : Open Sky

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: MS

Complaint narrative:
XX/XX/2019 Original balance XXXX and now they saying the balance as of today is XXXX The balance amount has changed over time I filed a dispute but credit company sided with them Dont know anything about the company that has this account The company repoed my car years ago

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 2022-08-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, On XX/XX/XXXX this year, someone hacked into my account at Citibank and issued wire transfer instructions. Citibank DID NOT verify such wire transfer instructions ( despite its promise to do so, as stated in its Citibank Client Manual ), thus causing devastating losses of {$65000.00}. I am a XXXX XXXX and this is almost all of my lifetime savings. I complained to Citibank some time ago but have not rec 'd my money back yet today. 

No one from Citibank had contacted me before the wires went out.This is particularly troublesome since : ( a ) I have NEVER ordered any wire transfer in my accounts ; ( b ) The payments were going to third parties, which made them particularly risky ; ( C ) The wire transfer amounts were substantial relative to the balances in my accounts, as they represent more than 90 % of my average account balances.

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 2022-08-28 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: NJ

Complaint narrative:
I am a Living Human being, I have rights under USC 1681, Equifax is govern by 15 USC 1681. And they violated my right numerous of times. I demand the account listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish the account on my Credit Report. 


this collection account is - BXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 non-monetary relief
Consumer complaint received 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 2022-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group
State: CT

Complaint narrative:
In 2015 the XXXX XXXX XXXXXXXX XXXX made me move out of an apartment that almost hurt my son, its something they need to take up with XXXX XXXX and accuse me of theft and damaging property which Ive never done anywhere Ive lived in my life, I told the company Im not paying the collection and they need to contact the XXXX XXXX and leave me alone, that apartment almost XXXX  my son, Im not paying for nothing I didnt do including what Im being accused of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX, XXXX. Served me a summons & complaint without proper communication prior to being served on XX/XX/22 for the amount of {$2500.00}. I certified mailed a Debt Validation Letter prior to be served which has not been responded to as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: LA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX, Trans Union, and XXXX is governed by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX written permission to furnish these accounts. 

Accounts are listed below XXXX XXXXXXXX acct # XXXX XXXX XXXX acct # XXXX XXXXXXXX XXXX  acct # XXXX XXXX acc # XXXX XXXXXXXX XXXX  acc # 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 2022-08-28 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: LA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX, XXXX XXXX, and Experian is governed by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX written permission to furnish these accounts. 

Accounts are listed below XXXX XXXXXXXX acct # XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX acc # XXXX XXXXXXXX XXXX acc # 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 2022-08-28 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: NV

Complaint narrative:
I am a victim of identity theft, so everyone knows, I am in the process of purchasing a home. As usual, private, XXXX, XXXX, individuals from dangerous lawbreaking organizations, are working behind the scene to cause delays and blockages. They want me in constant hardship. Their hateful ideology cause them to use the darkweb, darknet to covertly attack me. They abuse the entire IoT, and use other unorthodox practices to bring harm. Under the Fair Credit Reporting Act, people have a right to file a dispute with credit reporting companies to correct inaccuracies on their reports ; and have been disputing credit discrimination for years. I am dealing with a lot of retaliation from these XXXXminded criminals. They obsessively want me in a vulnerable situation. Having low credit scores will prevent me from obtaining housing, which will help these XXXX XXXX, RICO violators with their targeted, abusive goals. Criminals have sold my information on markets, illegally impersonated me, attacked my finances ( stole money out of my accounts ), attempted to open loans in my name and the list of abusive attacks has been going on for years as they disrespect and violate my human rights. It must STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Credit card company : Chase Freedom Fact Act XXXX XXXX XXXX XXXX, DE XXXX The primary credit card holder, XXXX XXXX XXXX XXXX passed away on XX/XX/XXXX. The credit card company, Chase Freedom, was provided a certified copy of the death certificate and a request was made to close the account. A dispute was also raised over the $ XXXX balance for various unauthorised monthly charges by The XXXX XXXX and charity organizations. The deceased had previously suffered a XXXX in XXXX so vulnerable to credit card fraud. Instead of closing the account, Chase Freedom proceeded to transfer the account balance and name to the authorized user XXXX XXXX XXXX, the primary card holders surviving spouse. She never applied for this credit card nor had a physical card or used this card. Several complaint calls have been made and a letter was sent to Chase Freedom on XX/XX/XXXX requesting documentation that XXXX XXXX XXXX applied for this credit card which they could not provide. Please help resolve this issue as the credit card balance continues to grow from fraudulent charges and interest which is affecting XXXX XXXX XXXX credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: IL

Complaint narrative:
I received notice from LJ ROSS ASSOCIATES , INCXXXX about an alleged debt reporting on my consumer report that I was requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, XXXX5 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210 ; therefor I demand VALIDATION and VERIFICATION of this alleged debt. I certified mailed this letter to LJ ROSS on XX/XX/2022 which I have proof that I sent it and they received it. But never sent me the Documentation I requested. 

again on XXXX XXXX I sent LJ ROSS another letter requesting all of the documentation for VALIDATION and VERIFICATION of this alleged debt they said I own them and one again they never sent it to me. now please keep in mind they I have gave them a substantial amount of time to get me all the documentation but they still haven't gave me what I asked for Now this is my third attempt reaching out to LJ ROSS ASSOCATES, INC. on XXXX XXXX for the documentation that i requested months ago asking for VALIDATION and VERIFICATION and once again they haven't sent me the proper documentation that I have been asking for. 

1. Account number XXXX IN ACCORDANCE WITH THE FDCPA 15 USC 1692- I THE CONSUMER HAVE THE RIGTH TO PRIVACY ALSO IN ACCORDANCE WITH THE FCRA 15 USC SECTION 604A SECTION2 - IT STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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:
I am a natural person, I am a living human being, I have rights under 15 U.S.C 1681. 

Equifax is governed by 15 U.S.C 1681. And they violated my rights numerous of times. I DEMAND the accounts listed below be removed because according to 15 U.S.C 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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 fair credit reporting act XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  account # XXXX, and XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 non-monetary relief