vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: NY

Complaint narrative:
Dear Sir or Madam, IQ Data International is attempting to collect an alleged debt that they claim is owed to my previous landlord.

I disputed this alleged debt and provided documentations demonstrating the amounts alleged owed by m
y previous landlord for several months of rent they alleged was not paid was in fact paid and I provided receipts to IQ Data International, requested that they investigate the matter as I was disputing the debt, but they failed to respond to my debt verification requests or provide the requested documents pursuant to the Fair Debt Collection Practices Act 15 USC 1692g. They failed to do either, but instead reported this inaccurate invalid debt to the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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 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 2023-04-02 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 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 2023-04-02 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 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 2023-04-02 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: WI

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

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
XX/XX/XXXX Dear Sir/Madam, I closed my XXXX XXXX XXXX  internet account in XX/XX/XXXX due to repeated problems with their internet connectivity, even though I had the service with them for 24 consecutive years. 

XXXX XXXX XXXX sent me a notice ( through their collection department, XXXX XXXX XXXX ) that I owed them {$180.00} due to early termination. I contested this via my response to them through US Certified Mail on XX/XX/XXXX. I have the Certified Mail Receipt with me. 

I have no clue as to where the " early termination '' came from. I have had the service with them for 24 continuous years. I do not recall signing any contract with XXXX XXXX XXXX about early termination. 

Now, I am getting repeated text messages from Sunrise debt collectors. I have ignored these text messages so far. Their number is XXXX, and web link is XXXX XXXX XXXX Please advise as to how resolve this matter. 

Thanks. 

Sincerely, A Concerned Consumer

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 2023-04-02 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

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 2023-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against Navy Federal for withholding my funds since XX/XX/XXXX, despite my compliance with all bank protocols and rules. I opened my Navy Federal account in XX/XX/XXXX and have always been in good standing with my account. I have multiple businesses, including clothing brand established in XXXX in XXXX, Florida. 

On XX/XX/XXXX, i was at a public event as a vendor doing a pop up shop, a customer made a transaction for {$9200.00} for a large order of hats from my business purchasing bulk order at wholesale price. Customer received the goods from me i took information from him and deal was done. Following the transaction, I was later contacted by the Navy Federal fraud security department days after the transaction, requesting verification of the name of the individual who made the payment. 

I informed the representative that I was not available to verify the name at that moment, as I was out of my office. I requested a call-back number, but the representative was rude and disrespectful towards me. Before I knew it, my account was restricted ( Business & Personal ), and it has remained that way since that day. Despite submitting two security appeal forms with that name she requested, the restriction on my account has not been lifted. Prior to the submitting the appeal form I called back and gave the name info to the Navy Federal fraud department. 

Due to the restriction on my account, I have been unable to access my funds, and I have been unable to close the account. I have received mail from Navy Federal every month since 2019 about the interest on the money in my account. However, I am unable to withdraw funds or make new transactions, which has negatively impacted my business operations. The restriction has also caused me to go into negative balance with my checking account, resulting in overdraft fees. 

When I've visited the Navy Federal branch in XXXX Fl several times about this matter, I was treated poorly and given the run-around. The staff acted as if I had done something wrong, despite my compliance with all bank protocols and rules. No one has explained to me why the account can not be closed or why the restriction can not be lifted. 

I believe that Navy Federal 's actions are unjustified and unfair. I am filing a complaint with the CFPB to seek resolution to this issue and request that the restriction on my account be lifted immediately. I would also like my funds from this account and for the account to be closed. 

Thank you for your attention to this matter. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: WI

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

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-04-02 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: WI

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

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-04-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Because of your non compliance to properly investigate and inability to do what is fair and equitable by deleting the identified items of inaccurate information even though there were discrepancies among agencies SEE ATTACHED PROOFS, my information is being traffic

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 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I requested credit bureau multiple times for bankruptcy validation from the court/original creditor under 15 USC 1692g Sec. 809 ( b ) of The Fair Debt Collection Practices Act ( FDCPA ). Debt validation is my federal right granted under the FDCPA.

They failed to verify the information from the court so they should remove it from my record. " The United States Bankruptcy Court does not report any information to the credit bureaus. The U.S. Bankruptcy Court is not responsible for verifying or validating information from consumers credit files. 

Please provide validation from the court or delete all the bankruptcies from my record. XXXX doesn't show any bankruptcies.

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 2023-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX my mother, informed me that her account was blocked and she was made a aware of this when she tried to purchase her medication at the pharmacy. I assured her I would resolve this for her as she is XXXX and has her limitations. I will keep this as short as I can. 

Turns out there was a judgement to place a hold on her account by a collections agency claiming that there is a debt in the amount of {$8400.00}. However, this hold is allegedly because of me and not her. I am a signor in her account therefore they went after her funds. I find it odd because I have my own personal account, but they went after hers. I fought and fought about this because I have no recollection of this so called credit card debt and I also was never even served by them. I demanded they mail me documents supporting this accusation and received an affidavit dated back on XX/XX/XXXX. Surely I would remember being served with something such as this 5 years ago and I would have definitely filed an identity theft claim back then. 

They are savages and I went to the civil to file an order to show cause and also have a court date XX/XX/XXXX to have this dismissed and vacated. My poor mother does not have access to her funds that are 100 % to her ownership, I am only the signor in case I have to do something for her on her behalf but these are NOT my funds but they sure went after her money. As of now I will be filing a police report. Thank you in advance. 

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 2023-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have two issues. At first, someone took my around XXXX without my knowledge and authorization. then another issue is Well Fargo Claim Dept. made error and took the money that I was supposed to paid for it. 

XX/XX/XXXX - {$210.00}, {$210.00}, {$400.00}, and {$270.00} XX/XX/XXXX - {$60.00}, {$27.00}, {$78.00}, and {$14.00} XXXX - {$12.00} XXXX - {$400.00}, {$210.00}, and {$210.00} XXXX - {$59.00} This is part where Wells Fargo Claim Dept. made error and took the money from XXXX that I was supposed to paid for it and my XXXX account is suspended. 

XX/XX/XXXX - {$140.00}, {$21.00}, and {$140.00} XXXX - {$90.00}

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 explanation
Consumer complaint received 2023-04-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute inaccurate information on my credit report. As per XXXX5 USC 1681i ( 5 ), credit bureaus are required to modify or delete accounts that are not reporting accurately. However, after multiple attempts to start the investigation, Experian and XXXX have failed to remove public records listed on my credit report that can not be verified. 

I am requesting that all public records listed on my credit report be removed as soon as possible, in accordance with my rights under 15 USC 1681. Courts are not subscribed to or required by law to provide public record information to credit reporting agencies, and credit reporting agencies have a responsibility to report consumer information with the highest level of accuracy. 

I have never been late on payments for the accounts associated with the public records listed below : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD : XXXX XXXX  : XXXX XXXX Bank : XXXX XXXX CARD : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX and provide proof with statements showing that these payments were late. If proof can not be provided, I demand that these payments be updated to on-time as they should be, as I was never late. 

I am requesting that you provide me with a written response within 30 days confirming that the inaccurate information has been removed from my credit report. Additionally, I request that you provide me with a free copy of my credit report, as per my rights under the Fair Credit Reporting Act. 

Thank you for your attention to this matter. I look forward to your prompt resolution.

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 2023-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: GA

Complaint narrative:
I accidentally sent a friend of mine {$2000.00} trying to send her {$20.00} and chime frose the money so she couldn't send it back to me so I filed claim with chime which I had to since the money was frozen immediately after I sent it to her. The reason I accidentally sent her that amount is because the phone I was using had a broken screen and when I went to type the amount of money to send it added two extra XXXX 's and on the next screen to confirm the amount to send i tried to cancel and it hit confirm instead. I had to file a rebuttal process and they found it in her favor saying no mistake was made even tho she sent and email with her photo id and her email associated with her account asking them to send my money back to me which I have screen shots of just like they had asked her to do. I never received the money and they closed my account for reason I just explained and they told me that it would take about 45 days and I would get my money back and her account would be closed instead mine was closed and she got the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: FL

Complaint narrative:
I am writing to dispute inaccurate information on my credit report. As per 15 USC 1681i ( 5 ), credit bureaus are required to modify or delete accounts that are not reporting accurately. However, after multiple attempts to start the investigation, XXXX and TransUnion have failed to remove public records listed on my credit report that can not be verified. 

I am requesting that all public records listed on my credit report be removed as soon as possible, in accordance with my rights under 15 USC 1681. Courts are not subscribed to or required by law to provide public record information to credit reporting agencies, and credit reporting agencies have a responsibility to report consumer information with the highest level of accuracy. 

I have never been late on payments for the accounts associated with the public records listed below : Lending Club : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD : XXXX XXXX : XXXX XXXX Bank : XXXX XXXX CARD : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX and provide proof with statements showing that these payments were late. If proof can not be provided, I demand that these payments be updated to on-time as they should be, as I was never late. 

I am requesting that you provide me with a written response within 30 days confirming that the inaccurate information has been removed from my credit report. Additionally, I request that you provide me with a free copy of my credit report, as per my rights under the Fair Credit Reporting Act. 

Thank you for your attention to this matter. I look forward to your prompt resolution.

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 2023-04-02 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: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Midland credit management It's stating that I have a debt with XXXX  XXXX XXXX  for the amount of {$610.00} Open up XX/XX/2021 and I've never had this account don't know what it is and I've been disputing this with them for a couple years now and I keep your sayinformation is correct And won't take it off And I don't know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: MOHELA
State: MI

Complaint narrative:
in accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
My XXXX XXXX Account is closed at my request and the interest fees fluctuate and has increased which defeats the purpose of closing the account to pay it off and keep it closed once paid in full.

Company response to consumer: Closed with explanation