vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-09 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: NV

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: NC

Complaint narrative:
The North Carolina XXXX XXXX accepted my complaint and entered it into record and assigned the complaint for investigation and have initiated an investigation into the violation that an in fact attorney - acting as a debt collector violated my rights when the law firm - XXXX XXXX - through a NC XXXX certified attorney, company staff, XXXX XXXX XXXX, Attorney violated my rights when a Letter was delivered to me through the U.S. Mail signed by the same attorney listed above - violated the Fair Debt collections practices act when the letter contained a demand for monies allegedly owed by me and that the amount the law firm and attorney for Discover Card, by the content signed by her, was in fact more - over and above the amount that their client Discover Card, has attested in dozens of complaints where Discover Card has stated multiple times through their own validation of the debt amount which is and always has been {$2300.00} as indicated on an attached document with this complaint. 

The attorney, the law firm of her employment, and their client as a whole violated my rights and FDCPA, Federal laws when they attempted to collect {$1100.00} more than the reported amount by their own client, Discover Card. 

Federal and state laws have been violated by the attorney, firm, and Discover card clearly and indisputably along with my rights being violated under both NC General Statutes and Federal law- and are both have Statutory fines that I am entitled to. {$1000.00} for the Federal violation and {$4000.00} for the NC state violations- Also, Discover Card falsely reported to the credit bureaus that I had made three satisfactory monthly payments, three months in a row and was in fact deceptive in this false reporting to the credit Bureaus of this charged off account in an attempt to reset the 7 year collections rule x, all regarding this one Discover Bank charged off account - when in fact I never paid any months payments to charged off account. 

XXXX XXXX XXXX XXXX. False or misleading representations A debt collector XXXX not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
( XXXX ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Ive made several attempts all with the same result of them sending a generic we have determined this debt is yours without addressing it in a real manner. Im moving forward with attorney XXXX in suing under the FCRA, there were other errors as well that will be listed in the suit. Additionally I was unable to secure a mortgage in time so that will be added to the damages section of the lawsuit. Was hoping you can send me any information or correspondence you have had with equifax regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have sent Equifax numerous requests to remove this fraudulent account from my credit report. XXXX XXXX  is the XXXX who was reporting this fraud account and as of XX/XX/2022, XXXX XXXX  mailed me a letter stating that they are holding me responsible for the account but they have previously removed this from my credit reports. I sent copies to Equifax by fax and by mail and they continue to report this account even though XXXX XXXX claims they have stopped reporting. Equifax continues to claim XXXX XXXX  had verified this account belonging to me recently, but is not true since XXXX XXXX  says they have previously stopped reporting. Please see attached documents as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: MD

Complaint narrative:
In response from your statement on XX/XX/XXXX. The company GREAT LAKES offer repayment options but they deny being a debt collector, it does not make any sense. In Pursuant 15usc1692a ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. The balance in the GREAT LAKES account is a positive balance which means I do not owe anything. For this company is convincing me into paying for something that I do not owe is indirectly collecting a debt which would make this company a debt collector. In pursuant to 15usc 1692 ( a ) abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. This company is being deceptive and unfair because they deny being a debt collection agency but yet they want me the original creditor to pay for an account in a positive balance. In pursuant to 15usc 1681 ( a ) ( 1 ) of congressional findings and statement of purpose states The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system The reason why this is the first statement under the U.S. code of this section is because the law knows the banking system is doing the exact opposite. GREAT LAKES is not using fairness and accurate credit reporting because I am allegedly obligated to pay for something in a positive balance of {$26000.00} which is not accurate nor fair. If I owed a debt the balance would be in a negative balance and it is not only unfair and inaccurate, but it is false and misleading information in pursuant to 15usc 1692e. This is my new evidence and proof. I am demanding this company to zero the balance and I need a response within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
2 accounts were opened in my name of the same day through Bank Of America on XX/XX/2022. There is one charge for {$75.00} that I know of. There is supposed to a be a block on my social security number so that no one can open a credit line using it until I prove my identity first. I dont understand how a credit line was opened not once but twice on the same day.

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 2023-01-09 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: KY

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 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 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. 15 U.S.C 1681 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. XXXX ACCOUNT # XXXX ; XXXX XXXX XXXX  ACCOUNT # XXXX ; XXXX XXXX ACCOUNT # XXXX ; XXXX XXXX  ACCOUNT # XXXX ; XXXX XXXX XXXX  ACCOUNT # 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 2023-01-09 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: KY

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 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 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. 15 U.S.C 1681 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. XXXX ACCOUNT # XXXX ; XXXX XXXX XXXX ACCOUNT # XXXX ; XXXX XXXX ACCOUNT # XXXX ; XXXX XXXX ACCOUNT # XXXX ; XXXX XXXXXXXX XXXX ACCOUNT # 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 2023-01-09 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: CITIBANK, N.A.
State: AR

Complaint narrative:
When I opened my account in XX/XX/XXXX I was given a {$2000.00} Credit Limit. I paid way more than my minimum amount due every single month. I was trying to raise my credit score. In XXXX of XXXX, I made a payment mid month, and then on XX/XX/XXXX I paid {$800.00} for my XXXX payment which was an early payment. On XX/XX/XXXX I paid my entire balance off in the amount of XXXX. I did this right before I left to go to Colorado which was 18 hours away from home to take my daughter to a medical specialist. I had used every penny I had to my name to put on this credit card to help my credit, with the expectation that it would be available for my future use. They instead lowered my credit limit to {$390.00} as soon as I paid the balance off. I called immediately to inquire to the reason and dispute it. I was told that it was reduced due to a late XXXX payment ( that I paid early in the amount of {$800.00}! ). I could not get them to fix the situation but I was given a fax number to fax in my dispute. I was told that I could suspend payments until the dispute was responded to and resolved. I went to Best Buy and faxed the dispute from there, I also contacted my bank to dispute the payment since they put me in a horrible situation being 1000 miles away from home with no money or no credit card to use. The bank agreed with me about my dispute and issued me a provisional credit, and later issued me a final credit for the {$1900.00}. Last year before they closed my account they told me they would set me up on a {$60.00} month payment plan, and would raise my limit once it was paid off. I electronically signed the documents for the payment plan, and then they instead closed my account further harming my credit. They are still reporting late payments and now a charge off even though they never responded to or resolved my disputes.

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 2023-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avadyne Health Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/22 I sent a debt validation letter which will be enclosed to the creditor. I have not as of date received any correspondence back from the creditor. I requested the attached information along with a signature from the company/corporation making it a binding contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
Set up on fixed automatic payment option to XXXX  payments were paid each month. This was not the case recently, as the company did not charge the minimum payment, and began to charge late fees, and derogatory credit reporting. I can not get them to see the fact that this is not acceptable and the fees charged have ruined my credit, and are the only things that bring my minimum payment back below the fixed payment I would pay. I began above the minimum to pay my card faster, not to XXXX XXXX XXXX XXXX XXXX. They say that they are not in the wrong, but how can you have an autopayment where a customer pays the same each month and charge them late fees and ruin their credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of XXXX ( XXXX XXXX XXXX ), there should be no charge for this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: PA

Complaint narrative:
For the past XXXX years I have been trying to resolve the matter of XXXX accounts that Experian has been illegally reporting on my credit report. The initial date was XX/XX/XXXX with other dates as followed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The accounts that they have been illegally reporting are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts are charge-off accounts which according to the IRS are considered income and income isn't supposed to be reported on a consumer credit report. For the past XXXX  years they have violated my consumer rights by XXXX defamation of my character, XXXX. Have caused me to experience a high interest rate when I obtained my mortgage causing me XXXX XXXX XXXX. XXXX. They have also caused me to suffer from XXXX XXXX  due to the repeated attempts in trying to rectify this matter.

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 2023-01-09 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: U.S. BANCORP
State: TN

Complaint narrative:
I have sent XXXX numerous requests to remove this fraudulent account from my credit report. US Bank is the one who was reporting this fraud account and as of XX/XX/2022, US Bank mailed me a letter stating that they are holding me responsible for the account but they have previously removed this from my credit reports. I sent copies to XXXX  by fax and by mail and they continue to report this account even though US Bank claims they have stopped reporting. XXXX continues to claim US Bank had verified this account belonging to me recently, but is not true since US Bank says they have previously stopped reporting. Please see attached documents as proof.

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 2023-01-09 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: TX

Complaint narrative:
XXXX and Transunion have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 :

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 2023-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
had atm withdrawls happen on my card that i did not authorized, was denied the claim, i did not authorize these withdrawls bank : bank of america company : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CASE NUMBER : 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