vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
My x girlfriend and her boyfriend put XXXX XXXX  in my name amongst other things, I've handled everything, but this company trying to collect it called SUNRISE CREDIT SERVICE Wiped it clean, if I signed up with XXXX XXXX, HE FIXED IT THEN SAID WELL NOW U HAVE TO PAY A MEMBERSHIP FEE AFTER HE DID IT, ITS ALL A BIG SCAM, AND JAMMED UP MY CREDIT, I PAY ALL MY BILLS AND MY COLLEGE TUITION WILL BE PAID OFF XX/XX/XXXX WHICH IS MY LAST DEBT, ID LIKE TO BUILD A HOUSE BUT THESE CROOKS HERE KEEP DROPPING AND BRINGING IT BACK, WILL YOU PLEASE STEP IN AND HANDLE THIS, ITS NOT EVEN MY DEBT

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 2023-08-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Williams & Fudge, Inc
State: MS

Complaint narrative:
The loan is currently with William & Fudge Collections. They aren't able to produce any signed documents stating I put in for the loan. Even if they did, and I wanted to pay them off, they still want me to pay 80 % of the bill and are holding my transcripts until then. I want to go to school. Please help. This has been going on since XXXX the debt is from XXXX and I still can't go to school!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Inquiries from Transunion... XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL 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 also states a consumer reporting agency can not furnish a account without my written instructions. I DEMAND THAT ALL ITEMS BE REMOVED EFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREDIT REPORT DAMAGING MY LIFE.

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 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2023-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Aqua Finance, Inc.
State: GA

Complaint narrative:
Took out a loan in XX/XX/XXXX for my XXXX XXXX XXXXXXXX XXXX. When the loan documents were received, it was for Aqua FinanceXXXX XXXX XXXX XXXX Regular on time payments were made to Aqua Finance who reported to all 3 credit bureaus ( XXXX, XXXX, XXXX ). Received a notification in XX/XX/XXXX that my account had been closed, yet a balance is still owed. 

Reached out to Aqua Finance, who stated that XXXX XXXX XXXX took over the loan. In speaking with XXXX, they mentioned of only reporting to XXXX at that time. However there was no communication given from Aqua Finance or XXXX XXXX XXXX that my account was going to be transferred along with only bureau reporting. 

In reviewing my most recent statements, they are coming from Aqua Finance still. 

Reviewed my credit report in detail on XX/XX/XXXX for all three bureaus and XXXX XXXX XXXXAqua Finance is no longer reporting to any bureaus at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a 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 2023-08-14 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX 2. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Inquiries Equifax ... .. XXXX XXXX, XXXX XXXX 3 . FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL 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 also states a consumer reporting agency can not furnish a account without my written instructions. 

I DEMAND THAT ALL ITEMS BE REMOVED EFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREDIT REPORT DAMAGING MY LIFE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: MO

Complaint narrative:
I have been a customer of spectrum Internet for over a year and I stopped using the service in XX/XX/2022. I canceled the Internet because I was moving out of my rental property and I paid the last months bill and everything come to find out I just checked my credit report and they have a collection up on my account for {$50.00}, when they told me that I didnt have to pay anything so I already paid it. They are spreading false information that is incorrect and damaging to my credit report. I want remedy for them posting negative items on my account without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 non-monetary relief
Consumer complaint received 2023-08-14 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: TX

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 2023-08-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act and XXXX XXXX XXXX  XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Inquiries from EXPERIAN... XXXXXXXX XXXX XXXX XXXX XXXX 2. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Inquiries XXXX ... .. XXXX XXXX, XXXX XXXX 3 . FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL 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 also states a consumer reporting agency can not furnish a account without my written instructions. 

I DEMAND THAT ALL ITEMS BE REMOVED EFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREDIT REPORT DAMAGING MY LIFE.

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 2023-08-15 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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-15 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-14 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Acct XXXX XXXX 15 U.S.C 1681 section 602 A.

States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2023-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
This is a follow up from my first complaint. I worked with XXXX at the XXXX XXXX of TD Bank. His information follows : XXXX XXXX | Sales and Service XXXX | XXXX | NMLS # XXXX TD Bank, XXXX 's XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX T : ( XXXX ) XXXX | F : ( XXXX ) XXXX Luckily I had money to cover the shortage and supposedly the bank covered everything, see below email regarding the {$17000.00} that was illegally put on my account : On XX/XX/2023 XXXX XXXX EDT XXXX, XXXX XXXX XXXX XXXX wrote : It should fall off tonight in overnight processing- the check was already returned back to XXXX 's account so there really isn't a hold on it. Unfortunately there isn't a way to expedite that off the app because it's done by our back office team in overnight processing. I did the math for you though and it checks out. After XXXX and XXXX were paid the balance Friday night was {$2900.00}. I added the {$17000.00} that was put in as cash over the weekend, as well as the {$5000.00} transfer that was also put in as cash and subtracted the debits for XXXX XXXX and such and the ending balance was {$24000.00} which is what shows as available for you to use, so there isnt a true hold on the account. You have {$24000.00} available to use. 


Respectfully, XXXX As you can tell, this email is proof that the malicious acts that have been committed by TD Bank towards me, a XXXX  XXXX, shows that the bank does not pay attention to the actual laws of the United States of America. There has to be an investigation into the illegal activities. Are they XXXX  XXXX? Are they anti XXXX  XXXX? These are deliberate, malicious and fraudulent activities. This is a targeted discriminatory attack on me and if you audit the bank, you will see a pattern of abuse and discrimination against XXXX  XXXX  and XXXX people. To further add insult to injury, someone called the police and said that I threaten to XXXX XXXX XXXX XXXX XXXXXXXX. Is this revenge because the police did nothing??? I am XXXX XXXX XXXX, really. This is TD Bank just messing with a XXXX XXXX  XXXX  because someone thinks that they can do this and not get in trouble. This is a blatant attack against any and all XXXX  XXXX  and XXXX XXXX  activity!!! There was more than enough money to cover the checks, please reread the email that is in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am currently on the phone with a rep by the name of XXXX who works in the XXXX XXXX department of Experian. I was told by previous reps that work in the special services department of Experian that if I submit my ID, SSN Card Utility Bill, FTC Report with the accounts I'm disputing listed on my credit report along with my ID Theft Police Report, they will block the fraudulent accounts reporting on my Experian Credit Report. But, after speaking to XXXX, who confirmed that he received all of the above mentioned documents, he said they have the right to not block fraudulent accounts from my credit report even with the documents I provided. He instructed me to read FCRA Section 605B, Section C. He informed me that this FCRA law gives him the right to not block, or even dispute the fraudulent accounts showing up on my credit.

So while he was on the phone, I reviewed Section 605B, Section C and it states the following, " FCRA Section 605B, Section C states that consumer reporting agencies may not provide certain information in consumer report if it relates to a " bankruptcy case '' that is more than 10 years old, or any other negative information, that is more than 7 years old. '' The above mentioned states no where in this section where it does not give the consumer the right to have fraudulent accounts blocked or disputed, so what he informed me and was trying to educate me about does not apply to my situation. 

But, based on, FCRA Section 605B Law, it allows bureaus to block fraudulent accounts reporting on my credit report. This section states that id you provide the credit reporting agency with an ID Theft Police Report and an FTC ID Affidavit Report, they must block any information related to the fraudulent account from appearing on your credit report. This is done in order to prevent the false information from negatively impacting my creditworthiness. 

I asked to speak to a supervisor, which one was provided to me, but right in the middle of me speaking to him, somehow the call dropped and I was not given a return call. 

XXXX who works in the Special Services department confirmed that he sees all my documents clearly. Then, after he read his notes in the system, he said, and I quote, " Based on the Notes the last rep said, my documents aren't clear. ", then he proceeded to state that now that he is looking at my documents again, the ID is not clear as well as other documents.

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 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I made a payment to JPMCB CARD SERVICES in XXXX and it was rejected do to insufficient funds. I was alerted and resubmitted the payment. 

As someone who is diligent about credit responsibilities, I checked my statement in XXXX, and it stated that there was no payment due and everything is as it should be. 

This issue continued, not due to insufficient funds, but due to Chase no longer accepting my payment account, but had never alerted me and continued to allow me to make these payments. 

I am attaching statements from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Notice that at the top of each statement, it states that my account is in good standing. Contrary to these statements, Chase reported both a XXXX date late payment and a 60 day late payment. 

I feel this is an egregious series of misleading communications on the part of Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX XXXX XXXX contacted me in regards to a debt by Navy Federal Credit Union for a credit card debt. I was advised by the representative on the phone that he was seeing what he can do to secure an agreement before the file lawsuit on this debt. From research under California Law a creditor can attempt to sue on a debt when it has been less than 4 years from the date of last delinquency or last charge. My last payment was XX/XX/XXXX. This has now been over 4 years since the last payment or charge. Yet I am being threatened with a lawsuit. I would like all information on how they are able to sue on a debt past 4 years. I will need all this information so I can present to my representation and figure out how we need to proceed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation