vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-16 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: NJ

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: STERLING JEWELERS, INC.
State: NC

Complaint narrative:
Accounts show wage earner plan and included in bankruptcy but no bankruptcy exists on my consumer 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 2022-04-16 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: GA

Complaint narrative:
I have tried to communicate with them to let know that these where not my accounts. But they have continued to disregard the information that I am give them.

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 2022-04-16 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: GA

Complaint narrative:
I have tried to communicate with them to let know that these where not my accounts. But they have continued to disregard the information that I am give them.

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 2022-04-16 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: FL

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT NO. 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 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.

15 U.S.C. 166B A CREITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN CONSUMER CREDIT PLAN AS LATE FOR ANY REASON.

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 2022-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
Between in 2018 my identity was stolen through XXXX XXXX. There were multiple accounts in my name. Every time I would call to close the account due to fraudulent activity, the new account was compromised also. I would like LVNV FUNDING LLC to remove the amount of {$800.00} from my credit. in which they are claiming I opened on XXXX. And the amount of {$1400.00} from my credit, the date they are claiming I opened the account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Lost wallet in XXXX last month. I had my ID, Ssn, bank card, and other personal information in it. Ive been seeing weird activity on my account and my bank account was recently closed due to fraud??? I contacted my bank today and was told that my account was closed. I contacted XXXX last week to free my lines of 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 2022-04-16 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: EQUIFAX, INC.
State: MN

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, XXXX : XXXX Date of birth : XX/XX/XXXX my home address is XXXX XXXX XXXX XXXX XXXX MN XXXX. 

Equifax file # XXXX Dear Sir/Madam. I'd like Equifax to delete this account that is reporting to my credit report. I contacted Equifax, and they provided me a file number for the account that I'm contesting, and they told me that we notice this is not your account, and that we should be removing it within 48-72 hours. I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, I eagerly anticipate resolving this issue as soon as feasible. 

XXXX XXXX reported XX/XX/XXXX {$5100.00} Reported XXXX XXXX limit {$4300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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 — Was not notified of investigation status or results
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
This credit card was opened with an email address that was not verified or in use for over 10 years. 

Since this lender does not provide statements, only emails concerning charge, they were sending notices to an old email address not in use. 

There was a very nominal amount charged to the account automatically. 
That I did not authorize or even know about. 

This is what caused a perfect credit score to be tarnished. 

I have tried many times to explain this to the creditor only to be ignored. 

They can as well as you can see that my score was perfect at the time this account was opened. 
Do you think for a second, I would not pay a {$35.00} charge and run a risk of harming my perfect credit. 

Can you please help me make this clear to the creditor? And please ask them to remove the negative rating to my credit. 

Sincerely and with complete honesty ... ... XXXX XXXX XXXX PS. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
My medical information was sold to a creditor in accordance with The Fair credit reporting act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 604a section 2 it is also States a consumer reporting agency can not furnish accounts without my written instructions 15 USC 1681 section 602a States I have the right to privacy XXXX XXXX also violated the HIPAA law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: FL

Complaint narrative:
On XX/XX/XXXX. 2021, and XX/XX/2021 I filed a Federal trade Commission Identity thief report along with a XXXX XXXX county Police Report for Identity thief. 

I then disputed several account on my credit report with the following bureaus XXXX, XXXX, AND TRANSUNION... In accordance with the fair credit reporting act. 

XXXX XXXX XXXX, ACCT NO. XXXX, XXXX  ACCT NO. XXXX AND XXXX ACCOUNT XXXX Have violated my rights... 

In accordance with the fair credit reporting act section 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

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

15 U.S.C. 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN CONSUMER CREDIT PLAN LATE FOR ANY REASON

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 2022-04-16 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: VA

Complaint narrative:
I have been paying on my student loan since XXXX. The original load was {$8300.00} on XX/XX/XXXX. 

For several years, I have had my payments auto-debited. {$140.00} is deducted from my checking account monthly. In XXXX of XXXX, my auto-debit continued, but the amount applied to interest changed dramatically. I was current on my loans- in fact, a few months ahead of the loan schedule. There were no issues with payments. I had an APR of 5.125 %. 

In XXXX of XXXX, without warning, the amount of my {$140.00} payment applied to interest went up to {$45.00}. In the following 4 months, XXXX XXXX, 100 % of my payment was applied to interest. So, in fact, my principal actually increased during those months. 

Payments stopped from XXXX XXXX XXXX XXXX XX/XX/XXXX, auto-debit resumed with {$140.00} going entirely to interest. In XX/XX/XXXX, {$77.00} went towards interest. I contacted Nelnet 's help chat function who told me they were pre-charging interest. I asked if I would get a refund if I paid off the account, and I was told no. My balance should be HUNDREDS of dollars lower as that is how I originally set up my auto-debit. I trusted the terms of the payment would not be changed without my consent. 

I would never pre-pay interest on a loan. For over a decade, I paid {$140.00} every month as an amortized loan where the principal continued to be adjusted. I am disgusted that I made my monthly payments and my principal only increased for several months. Now I'm being charged interest on that increased principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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 XXXX Account ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 non-monetary relief
Consumer complaint received 2022-04-16 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 Convergent Account ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: Armed Forces Loans of Nevada Inc.
State: NC

Complaint narrative:
Accounts show wage earner plan and included in bankruptcy but no bankruptcy exists on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I received a letter claiming that I owe {$350.00} from Aldous & Associates P.L.L.C. on behalf of XXXX XXXX XXXX. I found out that XXXX XXXX XXXX is a business that is associated with XXXX XXXX. I called XXXX XXXX, and the company said that I didn't owe them anything. I had gone by the XXXX XXXX store in XXXX and cancelled out my service. At that time, I made all payments that were owed including paying off a Hum, the cancellation fee on my cellular phone, and paying off a tablet on the account. Suspiciously, after not receiving any bills in the last 2 years, I received a letter from Aldous & Associates P. L. L. C. in early XXXX. Perhaps, payment records were lost due to Covid-19. We went by the XXXX XXXX  store and talked to XXXX on XX/XX/XXXX. She said that due to the age of the account that she did not see any record of the account. She said that the letter looked suspicious because XXXX has their own collections department and typically does not use attorneys to collect their bills. She said that the account number did not look like the traditional XXXX account numbers either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
All related accounts are Band of America checking accounts. 
On XX/XX/XXXX, I received a notification that an amount of {$130.00} was deducted from my current checking account. I called BOA many times in the recent 2 weeks. All related departments including customer service, account recovery department, fraud department, claim department kicked me to other departments.

From their words, I concluded the information, it is a long story.

1. I had a closed, frozen checking account ( ending in XXXX ), which was frozen around XX/XX/XXXX and closed in XX/XX/XXXX. BOA stated that I owed BOA a balance due with {$28000.00} on this checking account. 
2. I never received any formal notification or letters from BOA. But recently when I tried to open new checking account at other banks, I was told that based on " Early Warning report I am not eligible for opening new account as I might have debt with BOA.

3. Back to XXXX, I logged into BOA online banking and noticed that a transaction with {$28000.00} was deducted from my previous checking account. The screenshot with this transaction showed the money was transferred by a check and this check is a machine-printed check without my signature. Actually, I had never booked a check book for this checking account. 
4. I reported immediately to BOA Fraud department. After review the details of this transaction, the fraud department returned the credit to my account. After that, fraud department helped me freeze this checking account, set up a new checking account, new log-in ID for my online banking and also transferred all money from frozen account to new checking account. All these transactions happened in XXXX XXXX. 
5. Since then, the frozen checking account had a balance with XXXX dollars. I did not touch the frozen checking account any more. This frozen account was removed from my online banking since XX/XX/XXXX by the system. I have had no access since then.

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 monetary relief
Consumer complaint received 2022-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
The debt collector which is currently holding the amount owed from XXXX XXXX club is repeatedly calling up to five plus times per day from multiple phone numbers, unknown ( spoofed ) numbers, and under different debt collector names. This collector is based on Florida and is notorious for abusing people with their phone call collection practices. They are listed on the caller ID as Midland credit, XXXX XXXX XXXX, Unknown, and occasionally a number with no name attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX for the amount of XXXX dated XXXX for XXXX XXXX XXXX, account XXXX dated XXXX for XXXX XXXX XXXX XXXX and account XXXX for XXXX XXXX has violated my rights.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC
State: IN

Complaint narrative:
So I took a loan out and have been making payments for XXXX dollars every payday. I have made XXXX payments. Today is XX/XX/XXXX my next payment is due in the XXXX when I get paid. Today I tried to pay off my loan and they said they are already processing the XXXX payment so I can not do that. The lady then states that I would of had to call by the XXXX. I'm like yes I did today I'm calling and she said she is still going to charge my XXXX then get me a payoff amount. Why do I need to make a payment before it's due before paying off? Also I was told on the phone I could call today the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: FL

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16 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: NJ

Complaint narrative:
I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. I'm the person who is writing this letter. Further, I certify that I am permitted by FEDERAL and STATE LAW to file a dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATIONS. The items found within my credit report that I listed are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts

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 2022-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paradigm Assets, LLC
State: PA

Complaint narrative:
Dear CFPB Team, In XXXX of XXXX, I noticed that JHPDE Finance I , LLC reported a debt of {$4500.00} on my credit report. Based on details gathered through XXXX, XXXX XXXX, and XXXX  this debt collection agency indeed begin to report this debt in late XXXX yet claims the account is open with their office since XXXX. 

I called JHPDE numerous times and when I financial received a call back from one of their agents there was no cooperation to help me understand where this debt was coming from and why I did not hear from them before. Weeks after my first and only interaction with this company, I received an " Account Validation '' letter dated XX/XX/XXXX. 

I have since made several attempts to communicate with this agency and resolve this matter, the latest attempt on XX/XX/XXXX. This agency has gone silent. Their customer service number : XXXX leads directly to a voicemail. There is no email or other method of communication available. 

I find it extremely unfair for a collection agency to suddenly report a debt to the credit bureaus without properly notifying the consumer. Moreover, to report in XXXX a debt claimed to be held since XXXX without calling, sending a letter, or other notification in a good faith effort to settle the matter before impacting the consumer 's credit history. 

I have patiently waited and I have managed this situation as best as I could. From the beginning, I aimed to understand whether I owe this debt, and how this account could have possibly fallen through the cracks. 

However, JHPDE denied me of my consumer rights of being timely notified of any debt and of the opportunity to settle any verified debt prior to affecting my credit report. This issue has gone over 5 months unresolved, due to JHPDE 's negligence as a collection company. Similarly, this matter caused financial injury and defamation of character.

Company response to consumer: Closed with explanation