vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-16 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: MD

Complaint narrative:
I have told Experian, XXXX, and XXXX to reinvestigate these accounts. The XXXX XXXX XXXX # XXXX XXXX # XXXX however they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 U.S.C 1681 i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

15 U.S.C 1681 section 602 A. state 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 instruction

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 2023-06-16 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: Fidelity National Information Services, Inc. (FNIS)
State: OR

Complaint narrative:
Accounts and data contained in my report are false.

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Top Flight Assistance (Top Flight Credit Assistance)
State: WA

Complaint narrative:
On Wednesday, XX/XX/2020 I signed up for a credit repair company named Top Flight Assistance for 2 years.They were supposed to help me fix my credit and every few months we were suppose to have telephone meeting to go over the proses. Eveytime we had a meeting scheduled I never received a call or updates. When I called they said they will schedule me in. I never saw any updates and they just took my money. I paid {$100.00} a month for 2 years and and {$200.00} to get stared.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
comenity vacation club credit imposed itself as a creditor without my knowledge nor consent.as part of a timeshare agreement without documentation collection phone calls have attempted everyday at all hours of the day even after giving notice for such activties to stop.COMENITY BANK VACATION CLUB  XXXX phone number XXXX, XXXX XXXX are other numbers used by comenity vacation club to harass without mercy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: VA

Complaint narrative:
On XXXX XXXX, XXXX at XXXX XXXX  est. i received a text message from Netspend stating there was suspicious activity on my account. I called Netspend and spoke with a Rep. asking if I placed a virtual account on my checking account on XX/XX/XXXX and the Rep. asked if i placed a virtual card on my checking account and I advised the Rep. that I would not place any virtual cards on my checking account, the virtual card placed on my checking account was unauthorized for the amount of {$99.00} and XXXX and a total of {$310.00} from XXXX and a XXXX account, My account was hacked and the Rep. stated I would need to close my account, there was an investigation that XXXX sent in 2 invoices with an attached virtual card to my checking account, the Bank XXXX stated I would need to change my password. on XX/XX/XXXX my checking account was hacked again for {$51.00} from XXXX that was refunded back to my checking account which was overdraft fees. Netspend Dispute Department provided 2 invoices from XXXX that were fraudulent invoices with a fraudulent phone number. I contacted XXXX and the Rep. gave their actual email address and stated they could only block the unauthorized virtual cards. Netspend refused to take the virtual card app off of my checking account and Could not provide any proof of the payments totalling {$310.00} and denied on XX/XX/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 2023-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation
State: GA

Complaint narrative:
Hey, I have a prepaid with Albert, my payroll comes to this account, however in the system my routing number was correct but the last 4 digits of my account number was not, so my pay was sent to wrong account, contact customer service with Albert, lot of back & forth messaging, state for me to contact direct provider, am confused, they are my provider, we corrected everything with my employer by putting the correct last 4 digits in the system, we did our part, then I was to call Albert, no resolution at all, just contact your direct provider

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
ON XXXX I " XXXX XXXX {$150.00} TO XXXX XXXX XXXX '' DONE BY XXXX MAXIMUM DATE. ON XXXX I RENTED XXXX, BECAUSE I DON'T HAVE VEHICLE, WENT TO CHASE BANK ON XXXX XXXX XXXX FLORIDA AND XXXX TALKED TO 4 PEOPLE THAT COULDN'T PUSH THE APPROVAL THROUGH SO THEY SUPPOSEDLY " STOPPED CHECK '' ON XXXX AND " IN 2-3 BUSINESS DAY 'S {$150.00} WILL BE PLACED BACK INTO CHASE BANK ACCOUNT " .. ON XXXX AT XXXX XXXX  I HAD TO CALL CHASE BANK AGAIN TO " STOP CHECK ''.. I FILED COMPLAINTS AND ON XXXX ON XXXX I CALLED XXXX WITH CASE NUMBER : XXXX AND TODAY IS XXXX AND MY {$150.00} " BILL PAY " IS NOT ON NEITHER ACCOUNT 3 WEEKS LATER AND NEITHER HAS CHASE BANK COMPLAINTS OFFICER CALLED ME BACK. NOW MY BILL 'S LATE AND MY CREDIT SCORE HIT BECAUSE I HAD TO USE CREDIT CARD TO PAY BILL'S..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: MD

Complaint narrative:
On XXXX XXXX, I received a letter from Cavalry dates XXXX XXXX reading Cavalry is in receipt of a letter of dispute on the above-referenced accountBased on the investigation of the dispute, it is our position that the information we are reporting to the consumer reporting agencies regarding to the account is accurateWe are treating the dispute letter as a request for validation. We will write to you again within 150 days from the date of this letter. Prior to receiving this letter, requested for Validaiton of the debt in XX/XX/XXXX. 
On XX/XX/XXXX, I mailed 2 letters to the company via priority mail with tracking numbers. The first letter asked that Cavalry provide actual verification of the debt including details about the debt, the last billing statement, the date the original creditor claims this debt became delinquent, whether the debt is within the stature of limitations and how that was determined, and etc. which all follows under Fair Debt Collections Practices Act, 15 USC 1692g 809 ( a ). 
The 2nd letter was advising Cavalry that the debt related to the account number is expired and is passed the statute of limitations. This item was requested to be deleted from the account. 
On XXXX XXXX, I received another letter from Cavalry dated XXXX XXXX reading, We have reviewed the dispute and find the dispute lacking in any specific facts or information information which would allow us to conduct an investigationPlease provide us with the specific information that is being disputed and an explanation of the basis of the dispute. 
As of this date, the Agency fail to show proof the debt is valid,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: LEXISNEXIS
State: IL

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.

The letters are stated with items and issues.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have been reaching out so serval months ; I have sent letters to the credit bureaus to remove these XXXX addresses and the different inquiries from my credit report, but it still needs to be done. The XXXX addresses that require immediate removal from my credit report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX # XXXX XXXX, AL XXXX XXXX The inquiries that need to be removed from my credit report are : 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 non-monetary relief
Consumer complaint received 2023-06-16 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
Vehicle was turned back in on XXXX, XXXX. All final settlements and payoff were completed by XX/XX/XXXX. Nissan Lease Trust / XXXX XXXX continues to report that payments are still being made through XX/XX/XXXX on XXXX. On XXXX there are reporting payments made through XX/XX/XXXX. On XXXX they are reporting a Collection on XX/XX/XXXX and payments made through XX/XX/XXXX. 

Incorrect payment status across all three bureaus. 

Account status is inconsistent across all three bureaus. 

Closed ( XXXX ) Paid ( XXXX ) Derogatory ( XXXX ) Nissan refuses to look into it. Credit disputes have not helped. 

Please remove this fradulently and illegally reported information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: PA

Complaint narrative:
I reviewed my consumer report and noticed 2 late payments on an account that I was never late for the Consumer Reporting Agencies to assume a vital role and have and have a responsibility to report Consumer information to the best of the ability with Maximum Accuracy. I have never been late on the payments for the account XXXX XXXX XXXX Account # XXXX. Please Investigate and provide Proof with statements showing that these late payments were late. If proof cant be provided I demand these late payments to be Removed or Updated to show that it was never late.

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 2023-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Please see previous complaint XXXX that was considered closed. 

Per Truist Representative XXXX XXXX, the account was closed without explanation. I contacted Truist again, as the account shows active on my bank profile. 

The account remains open, even though XXXX 's final response states the checking account ending in XXXX was closed.

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I've made several attempts in the past couple of weeks to gain access to my Equifax credit report to find out why I can not log into my account on the website. for some reason they're hijacking my account where I can not see what is on my credit report. I have multiple times try to access my credit report online, and it refuses to gain access for me to look at my credit report and to find out if there's any erroneous information that needs to be removed. I try to log on and it says I do not have an existing account which is not true. I just called again to find out why I can't log on and have submitted current driver 's license front and back and a selfie picture this morning which is Friday XX/XX/XXXX XXXX they still not allow me, nor can not access my account for me to look at. They've also removed and taken off the fraud alert without my permission and the information they have on my account is incorrect they have my phone number incorrect, therefore I can not log in! I don't know what else I need to verify so I can go and make the necessary corrections they have given me a case number of XXXX. These credit reporting companies are privately owned companies that report harmful and erroneous information on a regular basis! They need to be removed from the United States of America immediately! As a mortgage banker for over 40 years we never used any credit monitoring system before the XXXXXXXX XXXX!!! People in America bought millions of homes, cars and consumer goods without their bogus services! Eliminate their harmful and discriminatory credit reporting practices!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zions Debt Holdings
State: MO

Complaint narrative:
I am a natural person, I am a living human being. I have rights under law 15 USC 1681. Zions Debt Holdings LLC is govern by 15 USC 1681. And has violated my consumer rights numerous of times. I demand removal from this account off my credit file. According to 15 USC 1681 : I have rights and i did not give XXXX XXXX XXXX XXXX written permission to furnish this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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 2023-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing XXXX  and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2023-06-16 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: FL

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and anxiety. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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 2023-06-16 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: NY

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. 

The letters are stated with items and issues. 

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.

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 2023-06-16 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: NY

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.

The letters are stated with items and issues.

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.

Company response to consumer: Closed with non-monetary relief