vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/23 I was contacted twice in 5 minutes by ( XXXX ) XXXX supposedly on behalf of check and go. I do not/nor will I ever have an account there. 
Whoever this was, they would NOT provide the date of supposed contract, the state, and were verbally threatening in nature- and completely rude! A man talking over me as loud as he could, as I asked for simply a date of supposed service is reprehensible! As a XXXX individual- it left me in shambles!!! I HAVE had identity theft, and I do not remember taking out any loan with Check and Go. Ever!! Nothing on my credit report. Unprofessional, harassing and predatory!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX The following personal information is incorrect. 
Please remove it from my credit report. 

XXXX XXXX XXXX This inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My business account charged overdraft fee.I made deposit before XXXX try to get my account under- {$50.00} .They charged 3 times {$34.00}. 


XX/XX/2023 OVERDRAFT FEE FOR A {$6.00} CARD PURCHASE - DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fee - {$34.00} - {$210.00} XX/XX/2023 OVERDRAFT FEE FOR A {$6.00} CARD PURCHASE - DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fee - {$34.00} - {$180.00} XX/XX/2023 OVERDRAFT FEE FOR A {$6.00} CARD PURCHASE - DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fee - {$34.00} - {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: TN

Complaint narrative:
I have a checking account with XXXX XXXX, and they use XXXX as an option for us to check our credit score and changes on our reports. 

On XX/XX/XXXX I received 2 alerts on my XXXX XXXX that my SSN was associated with an address and name that Im completely unaware of. 

The report made to Experian it says was on XX/XX/2023, both of them, but I received the alert on XX/XX/2023. 

Kindly advice

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 reporting misleading information. There is no filing this complaint for falsely 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 2023-12-07 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: OR

Complaint narrative:
When XXXX loan repayment started up in XX/XX/2023, I noticed that my loan went from 0 % interest to 6.8 % interest. I was very surprised, as my loan was not 0 % interest due to the pandemic, it was at 0 % because I have been paying on this loan for over a decade and had paid down all of the interest prior to the pandemic. Furthermore Ed Financial Services made no attempt to disclose this change to me. This is price gouging and a clear violation of the Truth-in-Lending Act. I tried to reach out to Ed Financial about this and received no response do to " high volume of emails. '' This was over a month ago. I am now paying interest on a loan I had paid all of the interest off on. I will do everything now to pay them off as fast as possible, because I truly don't believe they care about borrowers and will do no thing about this complaint. Warning to other consumers out there, the federal government can and will take you for all of your money. This isn't about repayment its about getting as much money out of consumers as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: FL

Complaint narrative:
Good Day, Upon checking my credit report, There is an account reporting to my credit profile that should not be there ( XXXX - Account Number XXXX ). I did not give authorization to this creditor to open this account. I contacted the creditor and was informed that they could not find this account in their system and that the account has since been purged from their system. I have never resided in the state of Missouri. I never gave authorization or consent for this credit to open this account and never used said credit card or loan. I have been a victim of identity theft over the years. This account that has never belonged to me and continues to reflect on my account with nine inaccurate late payments that continues to hinder my credit profile.

This credit bureau is in violation 15 USC 1681 ( 2 ) ( a ) ( i ) reporting late payment XXXX - Account Number XXXX 8 late Payments- Your assistance this pertinent is greatly appreciated, 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 2023-12-07 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:
Good Day, Upon checking my credit report, There is an account reporting to my credit profile that should not be there ( XXXX - Account Number XXXX ). I did not give authorization to this creditor to open this account. I contacted the creditor and was informed that they could not find this account in their system and that the account has since been purged from their system. I have never resided in the state of Missouri. I never gave authorization or consent for this credit to open this account and never used said credit card or loan. I have been a victim of identity theft over the years. This account that has never belonged to me and continues to reflect on my account with nine inaccurate late payments that continues to hinder my credit profile.

This credit bureau is in violation 15 USC 1681 ( 2 ) ( a ) ( i ) reporting late payment XXXX  - Account Number XXXX 8 late Payments- Your assistance this pertinent is greatly appreciated, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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:
Good Day, Upon checking my credit report, There is an account reporting to my credit profile that should not be there ( XXXX - Account Number XXXX ). I did not give authorization to this creditor to open this account. I contacted the creditor and was informed that they could not find this account in their system and that the account has since been purged from their system. I have never resided in the state of Missouri. I never gave authorization or consent for this credit to open this account and never used said credit card or loan. I have been a victim of identity theft over the years. This account that has never belonged to me and continues to reflect on my account with nine inaccurate late payments that continues to hinder my credit profile. 
This credit bureau is in violation 15 USC 1681 ( 2 ) ( a ) ( i ) reporting late payment XXXX - Account Number XXXX 8 late Payments- Your assistance this pertinent is greatly appreciated, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I applied for a membership with XXXXXXXX XXXX and was advised if i canceled within 30 days it would be removed and i did which i attached to the debt collector and they continued to Harras me requesting a debt that the gym was aware that i no longer owed. The gym refused to acknowledge the cancellation they gave me and sold a debt i did not owe. and attached you will see the noticed from Aldous and associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC

Complaint narrative:
I have a balance with XXXX XXXX of {$8700.00} and every month I make a payment at the court house of XXXX nc of {$50.00} and the balance does not go down for more than 2 1/2 years XXXX XXXX make fraud to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: TX

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 2023-12-07 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: EQUIFAX, INC.
State: IN

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 XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Since XXXX of XXXX, I have been turning in proof of Identity such as my ID, SSN, and utility bill to be able to have credit repair agencies monitor my score and report. I had sent in the same information in XXXX, XXXX, and XXXX of XXXX  and still no success in obtaining my information on identity, XXXX, XXXX, XXXX, etc. I was advised it will take only XXXX to XXXX business days and it's been 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 2023-12-07 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: Block, Inc.
State: DC

Complaint narrative:
On XX/XX/XXXX {$39.00} was stolen from my account. After contacting cash app to dispute the charge, they gave me no resolution for my dispute and denied my claim on numerous occasions and XXXX  XXXX  was of no help to resolve my complaint. After all my efforts to get my money back I cashed out my money and still had fraudulent charges coming in trying to steal from the account. With no intentions of cash app satisfying my claim, I borrowed money from cash app and have no intentions of paying them back nor using their platform ever again. Now, with the {$100.00} Ive borrowed, cash app keeps harassing me with {$1.00} daily interest charge that they will never get, where I want to stop all communications with the company and to never do business with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: ID

Complaint narrative:
On XX/XX/2023 requested Hunter Warfield to only contact me in writing. Provided correct mailing address and have yet to receive anything. 

On XX/XX/2023 Hunter Warfield reported collection activity to the credit bureaus against myself and my wife in the amount of {$710.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: NJ

Complaint narrative:
I respectfully ask that you eliminate this incorrect account from my credit report since I never authorized its creation and it's not mine. The supporting documents, which validate my claim, are attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I been having problems with trans Union in freezing my credit report which left me susceptible to credit fraud. I have had my identity stolen due to their failure to protect my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: SC

Complaint narrative:
I have inaccurate accounts and inquiries on my consumer report. By the provisions of the Fair Credit Reporting Act, I demand that these items are investigated and removed from the report.

Company response to consumer: Closed with explanation