vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-22 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: TRANSUNION INTERMEDIATE 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 : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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.

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 causes 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 non-monetary relief
Consumer complaint received 2024-09-22 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: 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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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.

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 causes 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 non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Unfortunately after filing a complaint against Bank of America for unfairly closing my checking and Savings accounts, I found out they closed my " XXXX XXXX '' retirement account as well. To make matters worse, I have no idea where they sent my funds.

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 2024-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I just recently looked at my credit report XX/XX/XXXX I saw some hard inquiries that did not have permissible purpose. I also have the Evidence, which is a copy below my complaint. I will like for all of the Inquiry to be removed Deleted immediately from the three credit Bureau! XXXX, TransUnion, and XXXX, that this inquiry due to Violation of 15 USC 1681b Thank you! 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 TransUnion XXXX XXXX XXXX XXXX TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX  Credit Cards Issued by Finance Companies XXXXXX/XX/XXXX TransUnion XXXX full complaint

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 2024-09-22 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: GA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : I am filing this CFPB complaint to request that TransUnion , pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), block information on my credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes : XXXX. XXXX  Account : XXXX Balance : {$280.00} Opened : XX/XX/XXXX an XXXX XXXX XXXX  Account XXXX Balance {$660.00} Opened XX/XX/XXXX an XXXX. XXXX XXXX Account XXXX XXXX Balance : {$7800.00} an XXXX. XXXX XXXX Account XXXX Balance {$14000.00} Opened XX/XX/XXXX an XXXX. XXXX XXXX Account XXXX Balance Owed {$9200.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account number:XXXX Opened : XX/XX/XXXX XXXX XXXX : {$470.00} -- - These accounts have led to several unauthorized hard inquiries and fraudulent collections on my XXXX credit report. All these accounts, collections, and inquiries are the result of identity theft and fraud. 

Enclosed is a copy of the FTC Identity Theft Criminal Complaint # XXXX ( XXXX ) # XXXX ( XXXX ) as proof from the U.S. Federal Trade Commission that all the mentioned credit accounts, collections, and inquiries are due to identity theft and fraud.

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 2024-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX va, XXXX LVNV Funding LLC XXXX XXXX Pl, XXXX, SC XXXX Last XXXX of SSN : XXXX Dear LVNV : I am responding to your contact about a debt you are trying to collect. This appeared on my credit report and identified this alleged debt. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original credi-tor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: 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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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.

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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/year>, I logged in to see my credit score because I got a notification from a credit reporting service that my credit score had dropped significantly by XXXX points.. when I logged in the only thing that had changed was a collection was removed. And I understand that sometimes when a collection account is removed it'll drop your score for a short time. We're almost to the end of XXXX and I've seen yet another drop in my credit score I was notified again that my credit score had dropped this time by XXXX points on XX/XX/year>. This time the cause was because my personal checking and savings account bank which is XXXX My balance had increased. They report their advertised credit building card " Believe '' so I'm unsure why that would be because we're only allowed to charge what we have in the bank. This is not credit building I complained about this one other time and nothing was done with my bank account. If a person is building credit with such card why would we have a drop in a credit score. I'm not sure if it falls within the credit reporting agency or is it a problem at my bank. But either way these significance drops and score are huge when I have worked so hard to rebuild my credit. I spent numerous hours and have given a great effort in maintaining and keeping a good credit score and then things like this which you think would increase your credit and has dropped that much.

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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A recurring charge of {$9.00}. Can't log on to website and cancel subscription and can't cancel over phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
RE : OFFER BY CHASE - THEY CALLED IT " MY CHASE LOAN '' ON XX/XX/ I CALLED TOLL FREE NUMBER XXXX TO FILE A COMPLAINT WITH CHASE CUSTOMER SERVICE REGARDING MY MONTHLY AMORTIZATION ORIGINALLY {$270.00} THAT WENT UP TO {$310.00} A DIFFERENCE OF {$40.00} PER MONTH. SO I QUESTIONED THE SUPERVISOR TO MAKE THE STORY SHORT, SHE HUNG UP THE PHONE BECAUSE SHE SAID, I TALKED TOO LOUD. I'VE EXPLAINED TO HER THAT'S MY NORMAL VOICE ( BECAUSE I AM A SENIOR CITIZEN ). 
SO I FILED A COMPLAINT ON THE SAME DAY XX/XX/2024 THRU EMAIL PER CASE # XXXX HERE 'S THE EXCERPT OF THE WHOLE CONVERSATION ( SEE ATTACHED BELOW ). 
IN MY DEFENSE, ALL I NEED FROM THEM ( CHASE ) TO PROVIDE CALCULATIONS ON " HOW TO ARRIVE AT THAT AMOUNT {$310.00} '' BECAUSE THERE'S NO INCREASE IN MY LOAN BALANCES EXCEPT THEY SAID DUE TO ANNUAL MEMBERSHIP FEE OF {$95.00} POSTED DATED XX/XX/2024 WHICH I PAID IT ON XX/XX/2024. TAKE NOTE : BILLING PERIOD IS XXXX XXXX XXXX XXXX 
I HAVE PROVEN TO THEM THAT I WAS CORRECT BY PROVIDING MY OWN CALCULATIONS. HERE 'S MY COMPUTATIONS : TOTAL LOAN BALANCE : {$8000.00} INTEREST RATE 13.49 % PER ANNUM TERMS : 3 YEARS. 
{$8000.00} X XXXX THEN XXXX X XXXX XXXX DIVIDED BY XXXX {$270.00} VERSUS PER CHASE {$270.00} BUT NOW IT WENT UP TO {$310.00} AN INCREASE OF $ XXXX MONTH. HOW? WHY? WHAT? 
XXXX XXXX, A SENIOR SERVICE SPECIALIST, I ASKED HER ( SEE EMAIL ) TO PROVIDE CALCULATIONS TO ARRIVE AT THAT AMOUNT ( {$310.00} ) BUT NOPE SHE NEVER DID. SHE'S BEEN SAYING TO US READ THE CARDMEMBER AGREEMENT BUT CARD MEMBER AGREEMENT IS FOR CREDIT CARD CHARGES WHICH YOU CAN NOT FIND HOW TO CALCULATE LOAN AMORTIZATION. I'VE BEEN SAYING TO HER ( XXXX XXXX ) THAT THIS IS LOAN AMORTIZATION BUT SHE NEVER LISTENED TO US. I BELIEVE SHE DOESN'T KNOW HOW TO COMPUTE IT. PROBABLY, I AM BARKING TO THE WRONG TREE. THIS IS THE REASON I HAVE TO FILE A COMPLAINT WITH YOU CFPB. 
HERE 'S MY BILLING STATEMENT TO PROVE THAT THERE'S NO INCREASE IN MY LOAN BALANCES : BILLING PERIOD : XXXX PREVIOUS BALANCE {$7700.00} LESS {$270.00} XX/XX/2024 PAYMENTS PLUS {$89.00} INTEREST CHARGE " MY CHASE LOAN '' EQUALS {$7600.00} BILLING PERIOD : XXXX PREVIOUS BALANCE {$7600.00} LESS {$270.00} XX/XX/2024 PAYMENTS PLUS {$84.00} INTEREST CHARGE " MY CHASE LOAN '' EQUALS {$7400.00} BILLING PERIOD : XXXX PREVIOUS BALANCE {$7400.00} LESS {$360.00} ( Breakdown : : $ XXXX ) XX/XX/2024 PAYMENTS PLUS {$84.00} INTEREST CHARGE " MY CHASE LOAN '' EQUALS {$7200.00} BILLING PERIOD : XXXX PREVIOUS BALANCE {$7200.00} LESS {$310.00} ( Breakdown : $ XXXX ) XX/XX/2024 PAYMENTS PLUS {$80.00} INTEREST CHARGE " MY CHASE LOAN '' EQUALS {$6900.00} ALSO I WOULD LIKE TO ATTACH " LOAN CALCULATOR FROM XXXX '' A CREDIBLE SOURCE, TRUSTED AND RELIABLE JUST TO PROVE THAT TWO ( 2 ) HEADS BETTER THAN ONE ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding an issue with my credit report, which has been inaccurately impacted by collections reported by XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I noticed an unexplained XXXX decrease in my credit score. After reviewing my report, I discovered two collections that were added related to a car rental from two years ago. 

The rental involved a faulty vehicle from XXXX, which had multiple issues, including malfunctioning air conditioning, windows that worked intermittently, and problems with shifting gears. XXXX 's only solution was to return the car to XXXX XXXX, hours away from my location, which was not a viable option. I prepaid for the rental, and despite raising these concerns, XXXX did nothing to resolve the issue. I filed a dispute with my credit card company and after their investigation they decided in my favor and XXXX and the dispute was closed as of XX/XX/XXXX. 

After contacting Equifax to dispute these collections and provide documentation supporting my claim, I received a response stating, " WE HAVE VERIFIED THAT THIS ITEM HAS BEEN REPORTED CORRECTLY. '' However, I strongly believe these charges remain unverified and unjustified, as Equifax did not conduct a proper investigation into the matter and XXXX XXXX  still has yet to verify the charges and send me any documentation. 

I also attempted to dispute the two collections on my credit report with XXXX. However, I encountered a significant limitation : XXXX only allows one open dispute at a time, which unnecessarily prolongs the process and extends the negative impact on my credit score. When I contacted customer service via chat, I was informed that there is no way to have more than one dispute open at once, further delaying any resolution and leaving my credit report tarnished for a longer period. 

I request the CFPB 's assistance in investigating this situation and ensuring that my credit report is accurately updated to remove these invalid collections. This issue has caused a significant and unfair drop in my credit score, which continues to affect me financially. 

Thank you for your time and attention to this matter. I appreciate your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Affirm keeps sending me messages regarding a debt, I have requested refund and or return of the item multiple times since its original purchase in XX/XX/year>. The item did not operate as advertised and upon arrival seemed like a scam. I contacted the original company and they refused to let me return it even if I provided the shipping. The product was {$1000.00} and I would like a refund as I have previously tried to get multiple times with no response or refusal of returns.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
XXXX XXXX XXXX that we did not stay in due to violations of the airbnb policy upon arrival, we never stayed at the XXXX XXXX we left XXXX minutes after arriving due to inhumane circumstances. I have documentation to back this up. I file for a dispute because I never received the service I paid for.I filed for the dispute in XXXX of XXXX. XXXX was failure of consideration, not functioning, bug infested in the. Beds, sheets dirty, floors dirty, blinds broken in privacy rooms, The XXXX was not clean and livable for nobody to stay in. False advertisement in the description and listing of the XXXX, no smoke alarms. Theres more but everything I listed was in violation of the XXXX. My family and I had to leave after tiredness of driving many hours to get there to turn around and drive around until XXXX. to find a hotel to sleep in. The XXXX  listing was very deceptive. The business was deceptive and unfair and as a consumer I have my rights to dispute for services I never received.From my understanding the owner of the airbnb and the company conducted false, misleading and illegal business practices. Section 75-24-5, Mississippi Code of 1972, is brought forward as follows : XXXX. ( XXXX ) Unfair methods of competition affecting commerce and unfair or deceptive trade practices in or affecting commerce are prohibited.

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