vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 The following creditors and account numbers have no correlation to me. 
XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX XXXX # XXXX, And XXXX XXXX XXXX has violated my rights. 



15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Unethical means of contact - creditors call family members and work places before contacting person on credit report. This values inaccurate and unsure cause of the correct person needed to contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 The following creditors and account numbers have no correlation to me. 
XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  # XXXX, And XXXX XXXX XXXX has violated my rights. 



15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Unethical means of contact - creditors call family members and work places before contacting person on credit report. This values inaccurate and unsure cause of the correct person needed to contact.

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 2024-04-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Credit Karma, LLC
State: GA

Complaint narrative:
On XX/XX/29 I made a deposit in the form of a transfer from my XXXX XXXX XXXXXXXX account to a credit karma XXXX account. They debited XXXX instead of XXXX. I requested my bank cancel or return XXXX as I did not authorize XXXX Credit karma has now locked all my accounts. I have already submitted copies of my id front and back, my bank statements, SS number and then they requested me hold my id under my face and send that photos also. All of which I did and they still have not returned my XXXX that is in my XXXX account. They refuse to unlock my account. I want my money back. This is the second online XXXX savings account that has locked money up and keeps it XXXX. THAT IS THEFT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
HI Someone made a loans in my name from the company XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Recently, I conducted an investigation on my credit report and it made me really upset that the XXXX reporting credit agencies can claim that they are reporting everything 100 % correct when there are so many inaccuracies between the XXXX bureaus for the account XXXX card. I found that there is unverifiable, invalidated, inaccurate and questionable item that that are obviously not 100 % accurate. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. code 1681 e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that this account for XXXX card was properly investigated and came back as verified. However, how can that be possible when there are several inaccuracies showing on my report between the XXXX agencies?

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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Recently, I conducted an investigation on my credit report and it made me really upset that the XXXX reporting credit agencies can claim that they are reporting everything 100 % correct when there are so many inaccuracies between the XXXX bureaus for the account XXXX card. I found that there is unverifiable, invalidated, inaccurate and questionable item that that are obviously not 100 % accurate. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. code 1681 e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that this account for XXXX card was properly investigated and came back as verified. However, how can that be possible when there are several inaccuracies showing on my report between the XXXX agencies?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting 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: NE

Complaint narrative:
I demand your re-investigation that this account XXXX XXXX Account Number : XXXX claiming that I owe this company for a debt that is not valid information. I have to date received no proof that I owe this company any debt and I am being a victim of fraud authorized activity on my credit report. I'm requesting that you forward to me full and proper documentation ( original alleged contract bearing my signature ) as evidence of this alleged debt. Please note that proper documentation is NOT a print out or a bill from them but rather actual proof of the alleged debts existence. If no findings are found this needs to be deleted from my credit report immediately. 15 U.S.C 1681EB states all information on my credit report should be 100 % accuarate and up to date. Thank you

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 2024-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
In XXXX of last year, I had a hit on my credit saying that I owe {$4400.00} for an eviction. I contact the apartments and ask for proof. What they sent me was my ledger of everything that was paid, and then they sent another ledger showing all the charges for XXXX. The ledger that I have ( XXXX XXXX ) shows a security deposit credit in XX/XX/XXXX. I moved out of the apartment end of XX/XX/XXXX. The ledger shows that there was no rent due in XX/XX/XXXX, but rent due and an eviction for XX/XX/XXXX. From my understanding, there was no rent charged or due for XX/XX/XXXX, but I had rent due XX/XX/XXXX. I went to the XXXX XXXX courthouse and there was no eviction filed. I want the Apartment Complex to admit they made a mistake by saying I owe money when I moved out in XX/XX/XXXX, no apartment complex is going to let you live free for a whole month, and then charge you rent in XXXX with an eviction. I want this debt taken off my credit. I tried to explain this to the collection agency, but they will not look into it. So, I have no choice but to file a complaint. 
The XXXX XXXX XXXX is XXXX, and the Apartment complex is THE XXXX ON XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: IL

Complaint narrative:
On XX/XX/XXXX AES /NCT raised my rate again. This was 100 % retaliation for me opening CFPB claim on them. The last time rates went up they coincided we Fed rate hikes. This was not. Not only was this retaliatory but fact they keep raising the interest is artificially raising my payments to insane level. To date on my XXXX loan I have already paid {$54000.00} in interests alone with XXXX still left to pay. This has to be illegal. This is just the same as a payday loan place. We need some consumer protection on this issues

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX. The reported late date is greater than 7 years and should be removed from the credit report.

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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: FL

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.

Account name : AFFIRM, has violated my rights.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I am writing to bring to your attention a concerning issue regarding the reporting of fraudulent inquiries by TransUnion on my credit report. Upon reviewing my credit report, I have discovered several inquiries that I did not authorize nor recognize. These inquiries are clearly indicative of fraudulent activity and are jeopardizing my financial security. 

Despite my repeated attempts to resolve this matter directly with TransUnion, they have failed to take appropriate action to remove these fraudulent inquiries from my credit report. I have provided evidence of the unauthorized nature of these inquiries, yet TransUnion has been unresponsive and negligent in addressing this issue promptly. 

As a consumer, I rely on accurate and reliable credit reporting to maintain my financial standing and protect myself from fraudulent activity. The presence of these unauthorized inquiries not only damages my credit score but also raises serious concerns about the integrity of TransUnions reporting practices. 

I urge the Consumer Financial Protection Bureau to intervene in this matter and compel TransUnion to immediately delete the fraudulent inquiries from my credit report. Additionally, I request that TransUnion be held accountable for their failure to address this issue in a timely and appropriate manner. 

I have enclosed copies of my credit report highlighting the fraudulent inquiries, as well as any supporting documentation related to this matter for your review and consideration. 

Thank you for your attention to this urgent matter. I look forward to a swift resolution and the restoration of the accuracy and integrity of my credit report.

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 2024-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Over the years I was charged overdraft fees when I had money in my savings and have overdraft fee protection setup to take money from savings to cover my checking account when it got low.

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 2024-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I filed a dispute with Huntington bank on XX/XX/XXXX for the amount of XXXX $ that was unauthorized and stolen from my card they issued me temporary credits but wont let me get my money at the branch My social is XXXX I dont have account or routing number

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
HI, ive been noticed from my bank and credit experian that some loans was made in my name i don't have any iedas about these loan from the company XXXX XXXX XXXX ) below ; 1- Loan of ( XXXX $ ) on XX/XX/2023 XXXX Loan of ( XXXX $ ) on XX/XX/2023 XXXX Loan of ( XXXX $ ) on XX/XX/2023 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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There is a charge off account on my credit report that should not be on there this is hurting my credit I ask that you please re-investigate this matter in this removal this from my credit report please an thank you.

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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

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. 
Account name : XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2023 a purchase for {$300.00} was made to XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX '' was purchased for {$220.00}, a little prior to store closing. 

After returning home with the item, it was unable to be used due to the size of the product being extremely too small. We attempted to make a store return on XX/XX/2023, right when the store opened and was told that they wouldn't accept it due to having an exact item Exhange policy or all sales final.

Nothing was disclosed to us upon purchase of the items being final sale. Additionally, I find it unreasonable that customers must blind sightedly purchase items at that cost and hope for the best on size, etc. They need to provide floor samples, or replicas, something so that purchases are not made blind sighted. Additionally, make your customers aware of your return policy on items that are that much.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion shows a hard credit inquiry from XXXXXXXX  XXXX  in XXXX. I did not apply for credit. Transunion does not allow disputing of hard inquiries. I called the number from XXXX XXXX and they said theyd remove it but it hasn't corrected.

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 2024-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I got a business credit card with American Express with a promotional XXXX APR for 12 months after 4 months they apply APR on my account without any notice. 

Interest charge on XX/XX/XXXX XXXX American Express card. 

Total interest charge XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Brown and Joseph, Ltd
State: FL

Complaint narrative:
A letter was received from Brown & Joseph LLC the recovery partner regarding a claim settlement offer of {$17000.00}. for XXXX XXXX XXXX XXXX date of loss XX/XX/2022. I called the above referenced company and they reported that it was a theft and it was not me because I do not steal anything. Some one must have provided my name and information and committed fraud and impersonation. 

I called XXXX  and they could not provide any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Request for Removal of Collection Accounts due to Violation of Consumer Laws Account Numbers : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX TRANSWORLD SYSTEM INC Account Number : XXXX TRANSWORLD SYSTEM INC Account Number : XXXX To Whom It May Concern, I am writing to dispute the above-referenced collection accounts that are currently reported on my credit file. Upon review of my credit report and the records pertaining to these accounts, I have found discrepancies and practices that I believe violate several consumer protection laws, specifically the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Under the FDCPA and FCRA, consumers have the right to dispute and demand the validation of debt information that they believe is inaccurately reported. Despite my efforts to resolve these discrepancies, I have either not received adequate validation of these debts or found that the practices used to collect or report these debts violate the aforementioned acts. 

In light of these violations, I am requesting the immediate removal of these collection accounts from my credit report. Failure to comply with this request and to provide evidence of your compliance with all relevant consumer protection laws will leave me no choice but to consider further actions. This may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel to explore potential claims under the FDCPA and FCRA for any damages incurred.

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