vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 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:
I am writing to formally address a serious matter involving XXXX XXXX XXXX and XXXX XXXX XXXX. It has come to my attention that my personal information was unlawfully sold to XXXX XXXX XXXX by XXXX XXXX XXXX, a flagrant breach of consumer rights and privacy laws. 

Moreover, I have been subjected to harassment calls, which constitutes another violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), I am invoking my rights to demand an immediate cessation of all collection activities pertaining to the account associated with XXXX XXXX XXXX Account # XXXX. This encompasses any form of communication or reporting of this account to consumer reporting agencies. 

Furthermore, I wish to underscore that any attempt to involve attorneys in this matter would compound the violations of my rights under the FDCPA, as delineated in FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ]. It is imperative to recognize that false representation or implication of legal involvement is strictly prohibited under this provision. 

Additionally, I am cognizant of my entitlements under the FDCPA 813 [ 15 USC 1692k ], which stipulates damages of {$1000.00} per violation. Therefore, I demand the immediate deletion of the account linked to XXXX XXXX XXXX Account # XXXX, along with a complete cessation of all collection activities. I urge strict compliance with the FDCPA to avoid further legal ramifications. 

Please be informed that failure to comply with this demand within 30 calendar days will necessitate escalated legal action to safeguard my rights under the FDCPA.

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 2024-05-06 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: NJ

Complaint narrative:
15 USC 1681 602 states I have the right to privacy 15 USC 1681 section 6048 sections it also states a consumer reporting agency can not furnish an account without written instructions from the consumer.

15 USC1692c ( A ) Without the proper consent of the consumer giving directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with their collection with of any debt. There is a need to ensure that Consumer reporting agencies exercise their grave responsibility with fairness impartiality and respect for the consumers right to privacy according with the written instructions of the consumer to whom it relates to this is a clear violation of my privacy. Therefore Immediately I want the following accounts delete it off my consumer reports. Experian XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX & 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 2024-05-06 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:
It has come to my attention that 1 ) XXXX XXXXXXXX XXXX XXXX. 
2 ) XXXX XXXX. 
3 ) XXXX XXXX XXXX 
4 ) XXXX XXXX XXXX. 
5 ) XXXX XXXX, XXXX has my information my consumer report that is allowing my information to be used against my will and or knowledge. According to15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I was never giving the opportunity to opt out of my information being viewed publicly and or against my Consent. 15 U.S. Code 1692c - Communication in connection with debt collection. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

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 2024-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
On XX/XX/ I made a {$2500.00} mobile deposit in my checking account. On XXXX  I went to the branch to Notarize a document. The branch manager XXXX XXXX XXXX notarized the document and I left. Few hours later I couldn't access my account. On XX/XX/2023 still couldn't access my account I went to the same branch and spoke with XXXX XXXX, he immediately told me that the check i deposited was Counterfeited. He printed a copy of the check, and also called their fraud department. ( luckily I had my recorder with me and recorded this entire encounter ). I went home and called customer service and was on the phone with them for almost 90 minutes ( also recorded entire conversation ) I was told " the bank have the right to close your account '' and refused to give me any additional information, and was told that I will receive a letter in the mail within 60 days. I had disputed few payments that I did not authorize. Huntington Bank reversed these dispute after I made the deposit. It became very clear that Huntington bank tried to steal my money and close the account. 
I became homeless because of this, I wrote to the bank, drove to several branches, and finally I receive a phone call from their Corporate office. The check was from a landlord who withdraw money from bank account without my authorization, and found by court to be liable and pay me {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Common violations of the FCRA include : creditors give reporting agencies inaccurate financial information about you. Capital One has caused damage to my credit report by reporting inaccurate information. XX/XX/year>, I called Capital One and advised that I had lost my job due to an injury and I was waiting on workers compensation. I then set up a hardship where I was informed that I would not have to make a payment. At that time I was I would not incur any fees, which I have. Capital One is now saying I'm not the account holder. I will next file a complaint for fraud against Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I applied for the borrowers defense loan forgiveness plan on XXXX on XX/XX/2023. The application states that after 180 days if your application is still pending, no further interest will accrue on your loan until a decision is made ( XXXX XXXX, section XXXX of the application. ) It has been 290 days since my application and Nelnet is still charging me interest, more than 100 days past the last day they are supposed to. When XXXX was contacted about this, i received the following email of them directing it to Nelnet services on XX/XX/XXXX : Dear XXXX, Thank you for contacting the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 

This email is to notify you XXXX has assigned your case to Nelnet Loan Servicing ( Nelnet ) for resolution. You will be notified once we have reviewed your request. 

Sincerely, XXXX XXXX. 
Nelnet Loan Servicing However I have not been contacted or notified about my situation in over XXXX months, while Nelnet illegally is charging me interest on my loan. This has been forwarded along according to the XXXX XXXX to Nelnet yet they seem to either be ignoring this, or have completely missed it. I have now paid hundreds of dollars in interest that should never have accrued due to their negligence and incompetent work ethic.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I have not applied for credit cards or pulled my credit at all in the year of XXXX received an email on XX/XX/year> that a Capital One credit card was on it's way to me. I then received another email on XX/XX/year> from XXXX that a credit card was on it's way to me. I then received an email from XXXX stating that a new inquiry was on my report. I called both of the companies on XX/XX/year> to cancel these cards immediately and found out they were being sent to my old address where my grandparents lived. Today, XX/XX/year>, I have called the credit bureau 's to dispute these credit pulls and add monitoring immediately. I have no other information and can get it if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to challenge once again the inaccurate and unverified negative items listed on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: PA

Complaint narrative:
I am writing to challenge once again the inaccurate and unverified negative items listed on 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 explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
With Chase bank, I am enrolled into their " My Chase Plan '' program, where a payment plan can be set up for certain payments, with a monthly fee incurred. That monthly fee is wrapped up into the monthly payment and is not charged separately. Currently, I have 2 payments, one that charges XXXX XXXXXXXX and one that charges XXXX XXXX  Under the plan and that specified payment amount, it says " This includes the monthly fee ''. However, for the first time since I've had this card open, Chase charged me an additional fee for each of those plans. For reference, the fee for those plans are {$36.00} and {$2.00}. My monthly payment total should be {$180.00} with the fees included ; however, this month they double charged me these fees and now my total amount due is {$220.00}. They are claiming to have opened a case to look into this further and have not offered any solutions. This is a company that is looking to make a profit, so I'm not sure why their " we look into our wrong-doing and found nothing wrong '' approach thinks would work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB Corporation
State: MN

Complaint narrative:
XXXX XXXX XXXX Deleted Accounts due to lack of account verification

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 2024-05-06 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: GA

Complaint narrative:
Despite my persistent efforts, these issues remain unresolved. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress the importance of this matter to me. Should you choose to disregard my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will leave me with no choice but to demand the immediate removal of these items from my 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 2024-05-06 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: Rozlin Financial Group, Inc.
State: IL

Complaint narrative:
I have no knowledge of this account. I would like this to be taken off 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 explanation
Consumer complaint received 2024-05-06 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: TN

Complaint narrative:
XX/XX/2022 an XXXX XXXXXXXX credit card off XXXX XXXX  was put in my name without my authorization & my knowledge, also XXXX XXXX XXXX account of XXXX XXXX was reporting to my Credit report without my knowledge & Authorization these are both fraudulent accounts & Collections

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 2024-05-06 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: TN

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

I told XXXX, Transunion, and XXXX to reinvestigate these accounts 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 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. 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 of information, other than records of convictions of crimes which antedates the report by more than seven 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 non-monetary relief
Consumer complaint received 2024-05-06 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: TN

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

I told Experian, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 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. 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 of information, other than records of convictions of crimes which antedates the report by more than seven 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 2024-05-06 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:
Despite my persistent efforts, these issues remain unresolved. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress the importance of this matter to me. Should you choose to disregard my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will leave me with no choice but to demand the immediate removal of these items from my 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 explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BTH Management
State: NJ

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX proceeded to call my ex-significant other and discuss in detail my debt with NetCredit. My ex is not responsible nor does he know anything about NetCredit. XXXX XXXX not only discuss the supposed debt with him, but also proceeded to ask my ex if he could make a possible settlement payment on my behalf. 

XXXX XXXX claims he tried to communicate with me, which I never received neither a message or call from him, so he had no other choice but to contact my ex as well as other people that were only acquaintances. At no time whatsoever did I give permission to NetCredit, XXXX XXXX, nor any other person/agency which I may have any business with to speak nor discuss of my business affairs with any of my relatives, children, or acquaintances at any time. 

XXXX XXXXNetCredit 's collection tactics and disclosure of my personal and business information have put my financial security in jeopardy and they should be fully investigated and prosecuted if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: AL

Complaint narrative:
I have no idea who this company or who they are. I have never heard from them before in written format. I asked this company to stop sending me emails and they kept sending them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a check from my tenant on XX/XX/XXXX. I deposited into my XXXX XXXXXXXX XXXX account ( the check was a Chase Bank check ). The check came back on XX/XX/XXXX stating 'UNABLE TO LOCATE ACCOUNT ' This was attempted again on XX/XX/XXXX with the same error. The problem is that the border of the check obscures the XXXX numbers. These are numbers on the bottom of the check to locate account number and routing information. At one point the teller and XXXX XXXX  XXXX manually wrote the account number at the bottom of the check. This should be a very simple resolution. I have also had this same issue from another tenant with a Chase Bank account. So there appears to be a problem with the alignment of the checks. The customer service at Chase has been nothing short of appalling. In my opinion they don't appear to understand what a XXXX reader is or the purpose of the XXXX characters at the bottom of the check. I have {$4200.00} which I have been unable to access since XX/XX/2024. 

In the attachments I have provided a copy of the check and subsequently XXXXwo instances which states the inability to locate account.

Company response to consumer: Closed with explanation