vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I went to XXXX XXXX with an option to stay at the company and debt would be forgiven. I decided to leave and changed home state. I Called family and went back to my home state to wait on bill, till today I have not received a physical bill. I received calls from swift at the beginning before moths from now I started receiving calls from a third party for collection. I stated to each party that I never received bill. About one month ago they put the debt in my credit report but I never refused to pay bill. I have not received the bill in writing. How can I pay this? Than I also see that the bill was increased by {$2000.00} from the original agreement signed at XXXX XXXX XXXX. This is bad business practice and I am not going to pay bill without receiving physical copy- also date is wrong. I went to XXXX school last year in XXXX. Please see attachment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Dear Capital One, I had previously closed my Capital One Quicksilver credit card account during the XXXX of XXXX. In XXXX of XXXX, I discovered fraudulent charges on my closed account. Luckily, I was able to resolve this issue with your XXXX XXXX Department of your company and they took care of the charges. During XXXX of XXXX - XX/XX/XXXX, these recurring charges were outside of my boundaries and it took XXXX  months to get resolved. I was told that the XXXX XXXX Department would take care of the charges and that I should not worry since it was a closed account and under higher supervision. However, I discovered that the account became delinquent, reporting that I was XXXX days late for a payment. This is considered an inaccurate report to the credit bureaus because the credit card account should have been closed at the beginning of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22 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: GA

Complaint narrative:
I've sent XXXX, XXXX, and Experian multiply letters ( XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 ) about removing accounts that are reporting inaccurate information on my reports. The Credit Bureaus stated my accounts were properly investigated and " Verified as Accurate '', but how is that possible if the Open Date, XXXX, Date Last Reported, etc. is still inaccurate. I showed them factual disputes on the credit reports of the inaccuracies and they still refuse to remove these accounts. THIS IS GROUND FOR REMOVAL, they also violated my rights under 15 USC 1681 Accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Sect 602 A,,, States I have the right to privacy 15 USC 1681 Sect 604 a ( 2 ),,, A consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681n ( A ) ( I ),,, Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}

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 2022-07-22 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: TX

Complaint narrative:
There are fraudulent account on my credit report that I did not file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: TX

Complaint narrative:
There are fraudulent account on my credit report that I did not file.

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 2022-07-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Navient not only reported me to credit bureau during my forbearance period but continues after the COVID forbearance to report me as late while I was in XXXX  school XXXX. 
This has been since 2020 now its affecting my ability to obtain loan forgiveness because I am in a public service career field as a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: CA

Complaint narrative:
I applied for a delivery driver position for XXXX and XXXX These companies use the same company to do background checks which is the company known as " Checkr ''. I have submitted documentation to this company providing proof that their investigation report was inaccurate. It stated that my license was expired or suspended. I personally went to the dmv to pull my driving record which shows my license status as valid. I have tried to contact XXXX  and XXXX who leads me back to checkr to submit this documentation. I've tried to call the number provided by checkr to reach customer service. Upon this phone call I am placed on a long wait trying to get someone on the line for their automated system to come back and tell me they are closed. The hours are mon thru Thurs XXXX to XXXX pt and Friday XXXX to XXXX pt. I called at XXXX XXXX time. Everything is a run around with no help or update. Once you are rejected from a company there is no way to re apply even if a significant amount of time has passed since the disqualification. No matter what you submit to checkr they have no desire to send over the correct information to these platforms

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: IL

Complaint narrative:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : PARAMT REC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I found out about a business credit card from Bank oF america was issued after i started getting emails about my payments being past due.

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 2022-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I deposited a check on XX/XX/2022 at XXXX pm my receipt said available XX/XX/2022 at XXXX am on XX/XX/2022 at XXXX I received a email say it was an additional hold until XX/XX/2022 at XXXX so I called corporate off and informed them my mother was sick and needed some funds to get a bus ticket and hotel for two nights and they said theres nothing they can do for me my check was XXXX the bank acting manager told me she had the authority to release the funds but she was uncomfortable doing so and the bank said the federal reserve put the additional hold on my check and there was nothing anyone could do just keep check my account cause it can be released at any time

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 2022-07-22 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: PA

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and requests. I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given Equifax this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: NJ

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. XXXX 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 : 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 2022-07-22 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: FL

Complaint narrative:
Experian has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false bankruptcy to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the XXXX XXXX XXXX XXXX XXXX, has been violated. 

Despite two written requests to Experian, the unverified bankruptcy still remain on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they verified that these items are being reported correctly? I asked them over and over again who verified this bankruptcy? They have NOT provided me a copy of ANY original documentation as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to promptly DELETE all information which can not be verified. 

I reached out to the US Bankruptcy court they told me in writing they do not give Experian any information regarding bankruptcies. US Bankruptcy Court would be the original creditor. Experian is committing fraud against me. I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). Experian is not exercising their grave responsibility with respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by Experian before furnishing it. This alleged bankruptcy was removed from XXXX, XXXX, and XXXX. Experian is the only one who is committing fraud against me despite my reinvestigation. 

Experian refuses to say what company they are getting this bankruptcy from they just keep saying " verified ''

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 2022-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: INDUSTRIAL AND COMMERCIAL BANK OF CHINA (USA), NATIONAL ASSOCIATION
State: VA

Complaint narrative:
STATEMENT OF FACTS On XX/XX/22, I applied for the XXXX Preferred XXXX XXXX Card at the XXXX XXXX Main Branch of Industrial and Commercial Bank of China ( XXXX ) ( USA ) XXXX, which is located at XXXX XXXX XXXX In XXXX XXXX NY XXXX. At the point of application, I was told that the aforementioned card is accepted in 160 countries of the world, which is also outlined on a Web site of the bank at https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My application for the credit card was approved due to my high credit score, and approximately six weeks after the application, I received the credit card by mail. 

During my stay in XXXX, XXXX, from XX/XX/22 to XX/XX/22, on multiple occasions, I attempted to use the credit card without any success. On XX/XX/22, I contacted a customer service of the bank at ( XXXX ) XXXX, and I was told by a customer service representative that my credit card had a system error that had to be fixed. He further explained that he anticipated a resolution of this issue within 24 hours, and he suggested to contact the customer service only, if I kept on encountering the same issue again. However, the issue was not addressed. 

On XX/XX/22, I called the customer service to communicate that the issue was not fixed, and I was told by another customer service representative that acceptance of my credit card was limited to the United States, XXXX, and XXXX XXXX only, and it would not work in any other country in the world. 


STATEMENT OF ISSUES 1. XXXX ( USA ) XXXX  was misleading in regard to acceptance of the credit card. I was told that the credit card was accepted in 160 countries of the world, which was also listed on the Web site of the bank. In reality, according to the customer service of the bank, the credit card works in two countries of the world ( the United States, and XXXX ). 

2. Based on my personal assessment, the bank is involved in unfair practice of limiting acceptance of its XXXX  credit cards that are issued to non-XXXX  customers of the bank with the purpose of discouraging non-Chinese Americans from applying for XXXX XXXX XXXX XXXX XXXX ( USA ) XXXX. This practice constitutes a highly XXXX business practice that discriminates customers of the bank, based on their XXXX origin.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX account # XXXX, XXXX  account # 's XXXX and XXXX, XXXX 's account # XXXX, XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, and XXXX XXXX XXXX XXXX account XXXX XXXX XXXX have violated my rights. 

15. U.S.C 1681 Section 602A. States I have the right to privacy 15 U.S.C. 1681 Section 602A, Section 2. It also states a consumer reporting agency can not furnish my 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 2022-07-22 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX account # XXXXXXXX XXXX account # 's XXXX and XXXX, XXXX 's account # XXXX, XXXX  Credit account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX account XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXX have violated my rights. 

15. U.S.C 1681 Section 602A. States I have the right to privacy 15 U.S.C. 1681 Section 602A, Section 2. It also states a consumer reporting agency can not furnish my account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
On XX/XX/22 I received notification there was a new inquiry had been opened on my credit report for Nordstroms. I did not apply for this account/credit card. I contacted the Fraud Dept through XXXX card and they put a fraud alert on my credit reports. On XX/XX/22 I contacted Nordstrom and they closed the account and opened a fraud case on their end. I have been instructed to file a complaint with the FTC or local police department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I AM WRITING THIS TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT XXXX REMOVE THESE ITEMS FROM MY FILE TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. HOWEVER, I REQUEST YOU REMOVE THESE ITEMS IMMEDIATELY OR I WILL GET MY ATTORNEY INVOLVED.

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 2022-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and requests. I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given TransUnion this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.

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 2022-07-22 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have over 20 years of credit history and have never missed a payment. In XXXX of XXXX after having moved states I changed my banks. I had a balance on my Lowes credit card which I have had for at least 10 years. I paid this balance to XXXX  before changing banks because I had autopay for the old bank. A few weeks later I returned a few items which created that balance causing a positive balance in my account. I eventually updated my auto pay and a few months later I found that Lowes reported that I missed a payment. After hours on the phone with various Lowes representatives in XX/XX/XXXX I was told there was a 2-day period which I was charged interest on, this did not show until the following billing cycle. I told them that I had a positive balance and they said it was their error and it should not have tried to charge the old autopay and should have taken the fee off the surplus in the account. I was advised that they would adjust my credit reporting, but this has still not happened. We are talking about less than a dollar in interest charges and when I paid the account before changing banks, I clicked on pay in full, plus I had a credit on the account. Can you please help me, this has negatively affected my perfect credit which was over 800.

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