vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Brett M. Borland, P.C.
State: FL

Complaint narrative:
On XX/XX/2022 Amount of {$4900.00} I sent this company a Debt Validation/Cease and Desist letter requesting this alleged debt be validated and to stop all communication until this information is provided. As of today 's date, XX/XX/2022 you have failed to prove that this alleged debt belongs to me, and you never responded to my letter request. You have violated my consumer rights under the FDCPA 15USC 1692 ( g ) b. Validation of debt. I also stated that you cease and desist communication but not limited to any collection attempts and or reporting of this account to any consumer reporting agencies. 15 USC 1692c ( c ) Ceasing communication. You have also violated my rights on a state level because you are not registered in the State of Florida to collect on an alleged Debt. You are in violation of the FCCPA. No person shall engage in business in this State of ( Florida ) as a consumer collection agency without first registering in accordance with this part [ Sections 559.553 and 559.555 ]. This law firm and another debt collection agency trying to collect on the same account at the same time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: CO

Complaint narrative:
There are XXXX inquires on my account that i did not authorize, i reached out to experian but they said these inquires arent on my report but when i look at it through the experian app all the inquires are still there, please remove these inquires from my credit report Experian

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 2022-05-30 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: Army and Air Force Exchange Service
State: AP

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

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TRANSUNION AND XXXX CONTINUE FURNISH FALSE INACCURATE INFORMATION IN REGARDS TO INACCURATE ACCOUNT STATUS ON A COLLECTION ACCOUNT WHICH SHOULD BE CLOSED THE ACCOUNT IS XXXX XXXX XXXX XXXX XXXX I ALREADY INFORMED BOTH XXXX AND TRANSUNION OF THE INACCURACIES THEY CONTINUE TO IGNORE IT WHICH IS A VIOLATION OF 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

THE ACCOUNT STATUS IS INACCURATE SHOULD BE CLOSED OR REMOVED THE DATE OF LAST ACTIVITY IS INACCURATE FALSE REPORTING TWO DIFFERENT DATES CLEARLY NOT 100 PERCENT ACCURATE AS THE LAW STATES ALSO THE CREDIT BUREAS HAD THIS ACCOUNT CLOSED THEN SUDDENLY OPEN PROOF IN THE ATTACHMENTS AND NEVER TOLD ME I NEVER GAVE WRITTEN CONSENT OR AUTHORIZED ANYONE TO FURNISH ON MY 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 2022-05-30 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 XXXX ACCOUNT # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX5 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-05-30 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: FL

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2022 and XX/XX/2022 Truist charged my account {$36.00} in overdraft fees. I contacted Truist to file a complaint, XX/XX/2022 @ XXXX ( EST ), and was told that a manger would be in-touch with me with in a few hours. I was also told that someone from another department would be in contact with me within 48 hours. Neither has happened. Truist banking system will show a postive balance and during the course of the day the positive balance would change to negative balance, causing accounts to be charged overdraft fees. Truist transition has cost consumer many over draft fees, among other issues, part of the reason for the " CLASS ACTION LAWSUIT ' against the institution. I was told my debt cards were mailed XX/XX/2022, and did not receive them until XXXX after having to go and reorder several times. Doing that time my business account was charged overdraft fees. This transition has made consumers suffer, while Truist is pocketing money in varies fees. My contact information. XXXX XXXX, XXXX or 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 2022-05-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Good Afternoon : My name is XXXX. XXXX XXXX XXXX, and since XXXX, I have consistently disputing two payday loans taken out in my name. After years of being turned down for mortgages and credit, I have finally given in and paid one of the payday loans off. However, one credit bureau improved my credit and wiped the slate clean of BOTH delinquent accounts, while the other two refuse to remove the PAID IN FULL account with clear proof from the agency with a letter. I have suffered enough as an XXXX who can not afford to even apply over and over to be denied a home because of fraudulent and inaccurate information. Then, when I put in for a dispute, magically the amount of the account goes up by a dollar and causes my credit score to decrease XXXX points each month. I want not only to have these issues rectified, but I want my credit score to go back to the XXXX it was in XXXX of this year or better because I am debt free except the college loans that remain as I am in XXXX XXXX working on my XXXX XXXX  know my rights, and under the Fair Credit Reporting Act ( 15 U.S.C. Section 1681 et seq. ), I could be owed damages for unfair practices.

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 2022-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I contacted Navient on 2021 in regards to them withdrawing {$250.00} on XX/XX/2021 and XX/XX/2021 for the same loan and {$43.00} on XX/XX/2021 and XX/XX/2021 for the same loan. Essentially, charging me twice for the same loan but only crediting my account once. Navient responded by stating they only withdrew the amounts once, not twice. My bank records shows where Navient withdrew the money twice. I contacted Navient a second time with my bank records, and they have not responded to my inquiry. 

Student Loans are with my maiden name : XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XXXX. I sent a letter regarding inaccurate and unknown items on my credit report and to this day i have not recieved a repsonse yet.i feel like im being taken advantage of and being ignoredof my disputes. Section 611 ( a ) plainly states that a failure to to investigate these items withing 30 days gives me a reason to immediately have those items removed from my credit report.it has been over 45 days. So they should be deleted promptly. I demand these address and accounts get deleted immediately or i shall file a complaint due to the stress caused on me. My information was compromised and may have gotten into the wrong hands by the XXXX data breach.

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 2022-05-30 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 fair credit Act 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 A section 2 it also states a consumer reporting agency can not furnish account without any 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 2022-05-30 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:
Please reference XXXX I can not access my credit report for equifax at all! I have no score. I recently discovered as mention in case above that equifax wasnt reporting my tradelines. Im therefore requesting an update to my credit so that I can review my scores

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Many of my credit card account, my personal loan account and one my mortgage accounts have been paid now for almost a month and still reflect as open or unpaid on my credit reports. This information is inaccurate and causing my credit score to decrease unnecessarily. Please look into the matter and I ask for assistance in reporting this incorrect information to all credit bureaus. 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 2022-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my credit report and noticed the following issues. XXXX XXXX  - Account number : XXXX This account has many errors/inaccuracies. 

High credit is not accurate - account is being reported inconsistently across all three bureaus. 

Date opened is not accurate - account is being reported inconsistently across all three bureaus. 

Date last active is not accurate - account is being reported inconsistently across all three bureaus. 

Payment status is not accurate - account is being reported inconsistently across all three bureaus. 

Payment history is not accurate - account is being reported inconsistently across all three bureaus. 

I sent a letter on XX/XX/2022 and requested that they removed this account from my credit report due to FCRA violation and they failed to do so.

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 2022-05-30 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: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX I noticed some unknown, unrecognized and unauthorized inquiries on my XXXX, Equifax and XXXX consumer reports. On XX/XX/XXXX & XXXX XXXX, I informed XXXX, Equifax and XXXX of the unauthorized use ( 15 USC 1602p ) on my report. I required XXXX, Equifax and XXXX to provide me with actual proof of a wet signature and credit card ( 15 USC 1602l ) with it applying for credit from those companies that XXXX, Equifax and XXXX are willingly and knowingly reporting false information on my consumer report. I required XXXX, Equifax and XXXX to delete these items from my consumer report immediately. They are harmful and detrimental to my personal living mode as well as to my family. To date, XXXX, Equifax and XXXX has yet to respond to the letter sent through the mail. I demand XXXX, Equifax and XXXX to delete the unauthorized, unverifiable and unconfirmed inquiries on my consumer report. Refusing to delete these unauthorized inquiries without proof of authorized use will be a liability of willful noncompliance. Pursuant to section 616 ( a ) ( 1 ) ( A ( B ) of the Fair Credit Reporting Act. I demand that XXXX, Equifax, and XXXX delete these inquiries from my consumer report or I shall seek monetary relief due to the harm and stress as a result of this false information XXXX, Equifax and XXXX is reporting on my consumer report. XXXX XXXX XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I require you to delete these unknown, unrecognized and unauthorized inquiries and update my consumer report, and send me an updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX I noticed some unknown, unrecognized and unauthorized inquiries on my XXXX, XXXX and Experian consumer reports. On XX/XX/XXXX & XXXX XXXX, I informed XXXX, XXXX and Experian of the unauthorized use ( 15 USC 1602p ) on my report. I required XXXX, XXXX and Experian to provide me with actual proof of a wet signature and credit card ( 15 USC 1602l ) with it applying for credit from those companies that XXXX, XXXX and Experian are willingly and knowingly reporting false information on my consumer report. I required XXXX, XXXX and Experian to delete these items from my consumer report immediately. They are harmful and detrimental to my personal living mode as well as to my family. To date, XXXX, XXXX and Experian has yet to respond to the letter sent through the mail. I demand XXXX, XXXX and Experian to delete the unauthorized, unverifiable and unconfirmed inquiries on my consumer report. Refusing to delete these unauthorized inquiries without proof of authorized use will be a liability of willful noncompliance. Pursuant to section 616 ( a ) ( 1 ) ( A ( B ) of the Fair Credit Reporting Act. I demand that XXXX, XXXX, and Experian delete these inquiries from my consumer report or I shall seek monetary relief due to the harm and stress as a result of this false information XXXX, XXXX and Experian is reporting on my consumer report. XXXX XXXX XXXX & XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I require you to delete these unknown, unrecognized and unauthorized inquiries and update my consumer report, and send me an updated 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 2022-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My wife and I have been in the process of getting a home loan. We were told that I'm not showing enough credit due to no credit card showing on the credit score disclosure. When I check myself, I am seeing that I can not get a credit score. I do have a credit card with XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX, AL. Out of the XXXX different credit bureaus, the only XXXX showing that I have an open credit card account is the XXXX company. However, it's still not giving me a credit score. I called my bank to see if they are reporting to all credit bureaus and was told that they were. I feel there must be some sort of error in the system that no one is catching. I was told over XXXX years ago that this was a problem and I just assumed it was because of the pandemic and I wasn't spending a lot of money. However, to be told this again, I know there is something wrong with my credit being reported from this bank. I've had this credit card XXXX years and the fact that its not reporting to all the credit bureau is concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In the month of XXXX there were unknown inquiries on my credit report that I don't recognize I don't have the exact dates for all of them but XX/XX/XXXX, XX/XX/XXXX, I think those are two of them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My personal information including my credit card information was compromised. Someone used this information to make fraudulent purchases on my credit card. 

I received an alert on XX/XX/2022 stating that Chase auto declined a purchase because it was detected as a fraudulent charge. I immediately called Chase and to cancel my card and to let them know that there were 4 additional fraudulent purchase on my card. All of these purchases were made in about a span of 1 hour and all the purchases were for digital tickets. 

Chase later told me that I was still responsible for 2 of the charges. One charge of {$180.00} to XXXX XXXX and one for {$600.00} to XXXX XXXX XXXX. I disputed the charges 2 times and each time ( on XX/XX/2022 and XX/XX/2022 ) was told that 2 of the purchases were legit because the scammer used my personal information to make the purchases and because I " received benefit '' from these transactions. 

While it is true I received the virtual ticket in my email inbox ( due to the scammer using my email and other personal info ), I received no benefit because I never used the tickets and the tickets were for entry to attractions on the other side of the country. Also, the scammer could access copies of the tickets online during the time of purchase so really they were the ones who received the benefits. 

It is preposterous to think that only XXXX out of XXXX tickets purchases within an hour were made by a scammer while I was also purchasing tickets. Why would I immediately call Chase to cancel these charges if that were the case? What kind of fraud department can't tell that these purchases obviously were not me? It really feels as though they try to use any excuse necessary to charge you with fraudulent purchases.

Company response to consumer: Closed with explanation