vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Control, LLC
State: GA

Complaint narrative:
In XXXX I got a Credit card with a {$500.00} limit from XXXX XXXXXXXX XXXX when I came home from XXXX in XXXX XXXX XXXX XXXX. I got the card just to establish credit and I spent approximately up only {$300.00} on the card and paid {$100.00} on my first two payments. The amount I paid down on the card was well over the minimum amounts due yet to my disbelief I was told that I owed over {$350.00}. This made no sense at all even with their ridiculous APR 19 % interest on their janky credit card. I never paid them again and told them XXXX XXXX XXXX close this account with that XXXX! 
It's XXXX and XXXX XXXX Bank now has a third party company, Credit Control LLC ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, writing me as of XX/XX/XXXX for {$400.00} well over the amount on what I browed and paid down. They continue to violate my rights as a consumer well over 10 years later even though I filled a bankruptcy sometime between XXXX XXXX after my XXXX  was born. My child is now XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXXXXXX has sold my petty debt XXXX times since I told them to XXXXXXXX XXXX  with that XXXX. Here are the 12 companies who have participated in violating my rights as a consumer to protect myself from fraud, lies and overall bad business practices : 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  The above harassment violates XXXX compliance standards as I mentioned I did file a bankruptcy XXXX years ago and this debt is over 12 years old. Moreover, I did not enter into any written agreement with any of the XXXX private agencies listed above and should be noted by the federal law of the United States of America states that periodic account reviews by an existing creditor or my own requests to check my credit file will and does remain in my file for 2 years. Thus, each time my debit was sold in attempt to collect was illegal in the state of Georgia beyond : 6 years for written communication, Oral contracts and Promissory notes 4 years, and open ended accounts including credit cards are only good for 4 years. XXXX XXXX XXXX  Thank you kindly for your time and consideration regarding this matter. I do expect this violation of my consumer rights to STOP! XXXX Truly, 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 2022-09-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMCB CARD obtained a copy of my XXXX credit report on XX/XX/22, XX/XX/22 and XX/XX/22 without my consent or permission. I have no relationship with them nor have I applied for any credit products from them. 

In a prior complaint on this matter they responded that they would remove the inquiries from my report, over six months ago, yet have not done so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I requested that Fedloan Servicing refund my payment of my student loans in the amount of XXXX. I called them multiple times making sure that my request was initiated, which they confirmed, it has been more than a month and have not received the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I informed the XXXX, XXXX, Transunion and each of the secondary reporting bureaus that I am a victim of identity theft. There are accounts on my file that do not belong to me. XXXX did resolve my complaint and removed the fraudulent items. The others have not. 15 USC 1681 c 2 says that a consumer reporting agency has to block and remove all information on a consumer file that resulted from an alleged identity theft within 4 days of receipt. My rights are being violated and I need assistance with this matter.

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 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
The date of my Bankruptcy is incorrect this bankruptcy is more than 10 years old by law it has to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: TN

Complaint narrative:
This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! 

This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! 
This company is braking several laws while violating my rights as a consumer under the FCRA & FDCBA!

15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

ACCOUNT : XXXX XXXX AUTO ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX CREDIT ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX DELETE & BLOCK 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 explanation
Consumer complaint received 2022-09-19 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: SC

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

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: SC

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

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX # XXXX, has violated my rights. 

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

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 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Ive contacted business Equifax a few times about something reporting to my business credit negatively. Im unsure of what it is and asked to have someone send information about the negative report. XX/XX/XXXX I received a credit report from Exquifax commercial credit report. I sent the filled out information back XX/XX/XXXX and its now over 30 days later and I still havent received any letter or email back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: MOHELA
State: MI

Complaint narrative:
I qualify for PLSF and have taught for 20 years in public schools. I need someone to advocate. I submitted and student aid gov never responded and put damaging information on my credit. My loans by law should be forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: FL

Complaint narrative:
DELETE THIS UNCONFIRMED INQUIRY LACKING CERTIFIABLE EVIDENCE UNLESS PHYSICALLY CERTIFIED VERTIFIED PROOF IS DEMOSTRATED PER U.S. CODE 15 U.SC 1681 ET SEQ. SECTION 604 OF FAIR CREDIT REPORTING ACT. ONCE YOU HAVE FULFILLED MY REQUEST, MAIL ME AN UPDATED CREDIT REPORT REFLECTING THESE CHANGES! 

XXXX XXXX XXXX Inquired on XXXX On record untilXX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/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 2022-09-19 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: TX

Complaint narrative:
I have called XXXX and TransUnion multiple times, to advise them that my information is floating around on the black web. I also advise them that the inquires on my account are not initiated by me and someone else is using my information, without my permission. I have already called the non-emergency line for the police department, which they advise me there is really nothing they can do. I told each rep from the credit reporting agencies to provide me with a wet signature to show proof that these inquiries are mine, there has been no credit under those inquires attached to my account. Both rep for each credit reporting agency only kept transferring me to different departments, no one could provide me with what I was looking for or proof that it was actually me that applied for these items. I am requesting XXXX and TransUnion to provide me with competent evidence that these inquiries were in fact authorize with a bearing wet signature for permissible business purpose. All of the inquires on my account from XXXX and TransUnion must be deleted from my credit report immediately. Delete all the misleading information and unauthorized inquires on my credit report. This is way fraud has been placed on my credit report, even though it does not help or stop the use.

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 2022-09-19 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following accounts/account numbers have violated my rights : 1. XXXX XXXX XXXX XXXX Account # : XXXX 2. XXXX XXXX XXXX XXXX Account # : XXXX 3. DEPT OF EDXXXX Account # : XXXX 4. XXXX XXXX XXXX XXXX Account # : XXXX 5. XXXX XXXX XXXX XXXX Account # XXXX 6. XXXX XXXX XXXX Account # : XXXX 7. XXXX XXXX XXXX XXXX  XXXX Account/Reference # : XXXX 8. US BKPT CT XXXX  XXXX Account/Reference # : XXXX 9. US DIST CT Account/Reference # : XXXX 10. US DIST CT Account/Reference # : XXXX 11. DPT EDXXXX Account # : XXXX 12. DPT EDXXXX Account # : XXXX 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 2022-09-19 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following accounts/account numbers have violated my rights : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX CT IL XXXX Account/Reference # : XXXX XXXX. XXXX XXXX CT IL XXXX Account/Reference # : XXXX XXXX. XXXX DIST CT Account/Reference # : XXXX XXXX. XXXX DIST CT Account/Reference # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
This complaint concerns the XXXX XXXX XXXX credit card offered through Bank of America. The card essentially offers miles for purchases that can be redeemed on XXXX XXXX, as well as on hotels. 

On the two separate occasions I've tried to use the miles I've earned to book a hotel, I receive a " technical error. '' I've tried to seek a resolution with the company. I've done everything I've been directed to do, including clearing my cookies, trying a new search, using a different credit card to book, and making sure my bank is aware that I'm trying to use a card for an online booking. This company does not offer phone booking and has been unable to provide any kind of resolution other than to simply not use the benefit I have paid for. There is no option to ask for a cash refund of the miles I've earned.

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 2022-09-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Reporting inaccurate missed payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: BMW Financial Services NA, LLC
State: PA

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 ( section 4 ) : States that I have the right to privacy.

15 U.S.C 1681 Section 604 A ( Section 2 ) : States a consumer reporting agency can not furnish an 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. 

XXXX and XX/XX/2022 for the amounts of {$1200.00} each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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:
I NEED YOU TO ATTEND THE FOLLOWING SHOWING ITEMS IN MY LETTER WHICH CONTAINS DATA TAKEN DIRECTLY FROM MY CREDIT REPORT WHICH YOU HAVE PROVIDED PLEASE DELETE THE BELOW LATE PAYMENT YOU ARE SHOWING ON MY REPORT ACCORDING TO THE CONSUMER RIGHTS YOUR ARE VIOLATING MY RIGHTS. 15.U.S CODE 1666 - CORRECTION OF BILLING ERRORS RIGHTS 15 USC 1681B - PERMISSIBLE PURPOSE OF CONSUMER REPORT. 


ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER - XXXX ACCOUNT STATUS - OPEN

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: CT

Complaint narrative:
I received two notices from National Credit Systems , Inc . Both notices stated that I had until XX/XX/2022 to dispute all or any part of the debt and that I could do it by phone or mail ... Because I had received the notice days before the dispute deadline, I decided to call to issue my dispute on XX/XX/2022. On this date, I called with XXXX XXXX directly at ( XXXX ) XXXX and spoke with him... I informed XXXX XXXX that I was disputing both notices with reference numbers XXXX and XXXX and requested that he prove that i owd the debt by providing me with a debt validation letter and supporting documents. XXXX XXXX at the time asked for my email address and I informed him that I was requesting this information be sent by mail. XXXX XXXX then agreed to mail these documents to me, but to no avail. XXXX XXXX website also clearly states that National Credit Systems does not provide any correspondence via email. I later received another notice from XXXX XXXX of National Credit Systems statting that I haver not made a suitable arrangement to resolve my debts. On XX/XX/2022, I called XXXX XXXX again and informed him that I did not receive the requested debt validation documents ... XXXX XXXX went on to indicate that he did not have the documents but that I still owed the debt. I asked to speak with XXXX XXXX XXXX and XXXX XXXX ended the phone call. I tried calling back right after and was left on hold by XXXX XXXX for a long extended amount of time with no success of being connected to a supervisor or manager. I followed up with another phone to XXXX XXXX on either XX/XX/2022 or XX/XX/2022 and had an extensive conversation with him. I informed him I was disputing these debts and still wished to speak with his supervisor, again to no avail ... XXXX XXXX informed me he would again email me documentation and I informed him that his website clearly indicated that National Credit Systems did not communicate with clients via email. XXXX XXXX informed me that he would have his supervisor contact me that day but I have yet to receive a telephone call. These accounts have been placed on all three of my credit reports and have caused my scores to go down over XXXX per bureau. Because of this inconvenience, I have not been able to obtain the requested credit needed for myself and my family. I appreciate your assistance in helping resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2022... 

The credit bureaus stated the following accounts were properly investigated : - XXXX XXXX XXXX ( Acct # : XXXX - {$690.00} ). 
- XXXX XXXX XXXX ( Acct # : XXXX Reported Amount : {$1300.00} ). 
- XXXX XXXX XXXX ( Acct # : XXXX - Amount : {$240.00} ). 
- XXXX XXXX XXXX Acct # : XXXX Amount : {$6500.00} ). 

How is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported in not accurate? This is grounds for removal. 

They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I havent given these accounts written permission to furnish any of these accounts on my credit report as well.

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