vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I called the credit Bureau to have my accounts locked and inquires I received investigated. The Credit Bureau refused to investigate the inquires and they are reporting incorrection information. I have not been able to have them investigate this and they refuse to investigate, and they are aware that they are reporting incorrect information.

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 2023-06-25 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: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
I had a XXXX internet in summer XXXX in XXXX while I was doing my internship. I closed my account and returned their equipment and moved back to Arizona for completing school. XXXX said I had to pay XXXX $ and send it to collection. I was never aware of any payment I had to make. Recently when I applied for a mortgage I became aware of this situation and that it was hurting my credit. Waypoint resource group ( collections agency ) refused to remove this from my credit report. I even called XXXX and tried paying off this charge which I was not even aware of in XX/XX/XXXX. They still refuse to remove this from my credit report. My credit is fairly decent with this charge being the only black mark.

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 2023-06-25 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: Exeter Finance, LLC.
State: OH

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 a open end consumer credit plan as late for XXXX  purpose. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Each month I pay my credit card balance in full, sometimes above and beyond the " statement balance ''. In XXXX, I used my rewards to pay my balance in full. In XXXX my account shows past due with a {$25.00} late fee assessed. When I contacted BOA they told me that I had to pay the minimum balance due. I paid the balance in full. They said I still had to pay the minimum balance due showing on my statement. Therefore, since I did not pay the " minimum balance due '' of {$25.00}, I was late and assessed a late charge. They did remove the late charge but this will be a ding on my credit showing a late payment. BOA said that I have to contact the credit bureau 's to have it removed. I certainly understand having to pay a minimum amount due or be charged a late fee, but if the statement is paid in full I should not be required to pay above and beyond that or be considered 'late '. BOA should correct the 'late ' payment and be sure that is not reflected on my credit.

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 2023-06-25 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
In accordance with Fair Credit Reporting Act this company has violated my fedeally protected consumers right to privacy and confidentiality under 15 USC 1681. I have told XXXX, XXXX, and XXXX to reinvestigate this account. They have stated everything was complete and accurate. But how can this be posible if the open date and the date of lastactivity is incorrect and some other things as well are incorrect. According to 15 USC 1681i ( 5 ) these accounts are supposed to be modified if they are being reported incorrectly.

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 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 section s-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. 

This company has violated my right according to consumers laws that i have stated the original creditor or lending company has closed this account, so now this new company National Credit Adju has added a new inaccurate debt to my credit report. This account is showing two times on my report. 
Please investigate this error. This is causing me to have issues getting employment. 

This company is also not in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: CA

Complaint narrative:
The collections company I.Q. Data International , Inc ( XXXX XXXX XXXX XXXX, XXXX, WA, XXXX ) has fradulently placed an account/debt on my name. Per the company, this debt is mine, which is a lease under someone with a similar name. 
The loan is for a lease, which was from XXXX. I have been monitoring my credit with XXXX XXXX for some time now and this account never came up on my reports until XX/XX/23. 
I do not know either of the individuals on this account. The woman on the account, has a similar name to mine, with the exception of the middle name. My middle name is XXXX. I firmly believe that the individuals XXXX XXXX XXXX and/or XXXX XXXX XXXX have falsely and fraudulently used my name and information for this account. 

I only became aware of this account and that this account was under my name and in collections on XX/XX/23 when I received an email alert from XXXX XXXX stating I had an account that required my attention. The night of XX/XX/23 I filed a dispute with XXXX for this account. On XX/XX/23 I was informed by XXXX that the dispute investigation concluded the account does belong to me, which is untrue. 
On XX/XX/23 I called XXXX Police Department to file an incident report for fraud. On XX/XX/23 I also spoke to officer XXXX XXXX who submitted an incident report, which is filed as incident report XXXX. On XX/XX/23 I called XXXX XXXX to request a copy of the report. 
In addition, when calling this collection agency, the first individual, XXXX, was very rude and refused to give me information for this loan. It took me calling XXXX other times for the files so suddenly appear and be given any information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviwein my credit repoirt I have identified certain information that is reporting incorrectkly. Please make sure that the only information that is reopirting in my credit report is the one mentioned stated below : 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  Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all tel ; ephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
I expect you to delete these negative accounts and provided me with an updated report within 30 days in accordance to the FCRA. 

( I don't recognize this following addresses ) 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

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 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviwein my credit repoirt I have identified certain information that is reporting incorrectkly. Please make sure that the only information that is reopirting in my credit report is the one mentioned stated below : 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  Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all tel ; ephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
I expect you to delete these negative accounts and provided me with an updated report within 30 days in accordance to the FCRA. 

( I don't recognize this following addresses ) 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: IL

Complaint narrative:
On or about XX/XX/XXXX I have contacted Discover card phone line reporting unauthorized charges by XXXX XXXX and filed a formal dispute. 
Since XXXX Company scamming system is designed to frustrate and wear out un-suspecting consumers : the toll free # plays a prerecorded message referring a caller to their website, but no-one replies to claims. 
No direct contact was possible and Discover refused to share their contact information, but they reversed charges to my account. On or about XX/XX/XXXX I filed a new dispute which was elevated to Fraudulent Charges by the claim agent and due to disappointing performance by Discover I paid off the {$35.00} last statement and requested the closer of my account, which was done by Discover. But to my surprise Discover reopened the account and started issuing erroneous billing and sending false reports to credit bureaus damaging my excellent credit. 
Kindly please help me stopping this unfair and harmful practice of Discover Card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 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: DISCOVER BANK
State: OK

Complaint narrative:
I closed this account around the XXXX of XXXX and they still have not closed the account and are still holding my security deposit and won't return it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I called the credit Bureau to have my accounts locked and inquires I received investigated. The Credit Bureau refused to investigate the inquires and they are reporting incorrection information. I have not been able to have them investigate this and they refuse to investigate, and they are aware that they are reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
Citi Bank has repeatedly been calling me for months on end. They call me around XXXX or more times a day. 7 days a week. Before XXXX and after XXXX even. I have communicated that I had just went through a divorce. & communicated a payment action where they okayed it. I have answered and every person is different and say something different. Ive told them multiple times to stop harassing me and they continue to call

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 2023-06-25 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 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 the XXXX, Transunion and XXXX to reinvestigate these accounts : Account name : 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 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 suppose to modify accounts that isn't reporting correctly. 
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 of 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

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 2023-06-25 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 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 the XXXX, XXXX and Equifax to reinvestigate these accounts : Account name : 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 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 suppose to modify accounts that isn't reporting correctly.

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 of 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/2023, I attempted to submit an image of a U.S. Treasury check in the amount of {$200.00} ( USD ) via Chime Financial , Inc. 's " mobile check deposit '' feature. Chime asked me to endorse my check with my signature and the language " For Deposit to Chime Only. '' After correct endorsement of the check, I submitted the images of said check, only for Chime and its banking partner XXXX XXXX XXXX XXXX  ) to reject my deposit, saying that the check was incorrectly endorsed. I submitted another image ( with different lighting and a darker background ) via Chime 's mobile app, and the deposit was again rejected for " poor image quality. '' I tried fiddling with the image quality settings on my phone 's camera and took what I believed to be the clearest possible image of this Treasury check, then tried one last time to submit it for deposit. Chime and XXXX XXXX rejected my third attempt to deposit my check, again for improper endorsement. I immediately sent an email ( on XX/XX/XXXX ) to Chime 's " Member Services '' department explaining my situation and asking them to correct the problem that I was experiencing. Unfortunately, it took almost one full month before a member of support personnel replied back to me via email ( XX/XX/XXXX ), saying that there was nothing either Chime or XXXX XXXX could do to fix my mobile check deposit issues. I am now attempting to close my accounts ( both checking and savings ) with Chime, as I believe the company 's customer service is so terrible that it negates the advantages of banking digitally. I don't think Chime should claim that they are " the number one most loved banking app. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: NY

Complaint narrative:
I have been contacted numerous times by Sunrise Credit Services about a XXXX XXXX XXXX  from XXXX that is not mine. It's from an apartment I vacated in XXXX. I have told them this many times and have asked for proof of the bill via my email. 

They never send it to me and keep calling.

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 2023-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I phoned and left a message for XXXX XXXX XXXX XXXX ), XX/XX/XXXX and XXXX, XXXX. I sent her an email XX/XX/XXXX but there was no response.The phone calls were never returned. Further to this investigation I received a new credit card in the mail yesterday at my genuine address. I did not apply to BOA for this new credit card and XXXX put a fraud alert on my credit rating in XXXX of this year. 

I used to have a bank account with Bank of America in both XXXX, Florida and in another state. Thankfully they sent the new credit card to my genuine address or I wouldnt have know about the fraudulent application.

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 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Johnson Mark LLC
State: AZ

Complaint narrative:
Card was sent to address I no longer live at and carD was use to my beknowst now I have a judgement and I am not responsible for these charges at all I live at XXXX XXXX XXXX XXXX XXXX XXXX  card went to XXXXXXXX XXXX  someone got ahold of mail and used my card now I am responsible for these charges and now I lived in XXXX and my info has been sent to collections agency which I am not paying for this at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX shows that my last payment was made on XXXX of XXXX. 
XXXX reports that last payment was made on XX/XX/XXXX of XXXX. 
XXXX claims that last payment was made on a different date, XX/XX/XXXX of XXXX. 
The XXXX credit beauros responded that they have verified and that the information is accurate but failed to send me copies of the documents used to verify this account

Company response to consumer: Closed with explanation