vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
FAIR COLLECTIONS & OUTSOURCING and XXXX was notified on multiple dates letting them know the said amount of {$4000.00} was not my debt. 
In short, I did not enter into a binding agreement with the XXXX at XXXX XXXX and on numerous occasions have requested the information be removed from the credit report. A police report was submitted and referred to as fraud. I also submitted my identification card, social etc and a binding lease where I was residing when the fraud took place. 
I also mentioned that if their office persists in attempting to collect this debt and does not remove this from my credit report, I will have little choice but to file for a violation for the Fair Debt Collection Practices act and its XXXX XXXX I don't want to do so and would prefer to have this matter handled amicably, but their actions are affecting my credit causing hardship and putting myself and children at risk due to domestic violence which court documents was also provided to both companies.

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 2022-07-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX reporting Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602 A, States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-07-11 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: TX

Complaint narrative:
I disputed with bureau and within a few days it was " updated '' on my bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # 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

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 2022-07-11 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:
n accordance with the Fair Credit Reporting act 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 Account # : XXXX XXXX Account Type - Detail : Credit Card Credit Card Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$3000.00} {$3000.00} {$3000.00} High Credit : {$3000.00} {$0.00} {$3000.00} Credit Limit : {$2800.00} {$2800.00} {$0.00} Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX 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 2022-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XXXX XXXX XXXX I received a that XXXX was being deducted for a XXXX XXXX XXXX.I contacted chime support to let them know it wasn't me.I was told to turn off transactions on my card so no other charges would be charged.I kept my transactions off until XX/XX/22 as I needed to buy things I needed from XXXX which I made a XXXX XXXX pm this day I received a notification my checking account was being charged XXXX for XXXX.I contacted Chime support I was told I couldn't dispute this charge until it settled and to turn off my transactions my card until they send a new one.i received another text message from chime at XXXX pm support saying my card declined for XXXX because my transactions were turned off.i started the dispute XX/XX/22 only for them to close my dispute and tell me the funds that were taken from my checking would not be refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: GA

Complaint narrative:
I have all the credit bureaus and informed them of the idenity theft on credit. They have not assisted me with correcting the information. I don't know what to do next. I need this situation resolved. It is really affecting my life.

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 2022-07-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
This is in regards to a Victoria 's Secret/Commenity Bank Card that was paid in full ( {$430.00} ) & closed with a XXXX Balance on XX/XX/XXXX. 
Two months later I was charged {$4.00} interest on XX/XX/XXXX, which, I disputed and they told me I had to pay it because it was leftover interest. So, I paid it and still confirmed that the account was still closed and it would not incur any more charges. 
Again, two months later I was charged {$29.00} interest on XX/XX/XXXX. Now I am getting completely annoyed. I called in to customer service again and was told it was required and that once it was paid it would completely settle the account. I reluctantly paid it again, and, again, confirmed that the account was closed and would not incur anymore charges. 
He we are again, 2 months later, and I receive a bill of {$8.00} of interest. I have been trying to call commenity bank and they have a recording of phone systems being down. 
I was also enrolled in XXXX XXXXXXXX without my knowledge. 
This is extremely frustrating and unprofessional. 
They are fraudulently charging me as a punishment for paying my account in full and closing my account on XX/XX/XXXX. 
I have screenshots of my payments and have proof that I have closed the account. I am tired of them taking advantage of a consumer like me with no reason other than to try to milk me for more money after closing my account. Any assistance in this matter would be greatly appreciated. Thanks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Someone fraudulently unlocked my security freeze at Experian on XX/XX/XXXX and Experian can not provide any explanation of how this happened. I was able to re-freeze my account on XX/XX/XXXX but I have no way of knowing if this will happen again. While my account was unfrozen several fraudulent credit applications were submitted.

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 2022-07-11 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:
n accordance with the Fair Credit Reporting act 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 Account # : XXXX XXXX Account Type - Detail : Credit Card Credit Card Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$3000.00} {$3000.00} {$3000.00} High Credit : {$3000.00} {$0.00} {$3000.00} Credit Limit : {$2800.00} {$2800.00} {$0.00} Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2022-07-11 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:
n accordance with the Fair Credit Reporting act 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 Account # : XXXX XXXX Account Type - Detail : Credit Card Credit Card Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$3000.00} {$3000.00} {$3000.00} High Credit : {$3000.00} {$0.00} {$3000.00} Credit Limit : {$2800.00} {$2800.00} {$0.00} Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  reporting Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602 A, States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-07-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX reporting Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Account # XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602 A, States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: CA

Complaint narrative:
On XX/XX/2022 I went to XXXX dealer in XXXX with a approval letter from XXXX  XXXX for auto financing. I let XXXX know that I had the approval letter and would like to see ma options with XXXX  XXXX. They failed to do what i asked them and proceeded to run my credit with numerous banks resulting in inquiries on my credit report that I did not authorize. I've called some of the creditors listed on my inquiries. Some the number is not working and others since I have no account with them they told me I have to dispute the inquiry directly with the bureaus. These inquires are as fallows. 

XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX  XXXX  XX/XX/2022 XXXX  XXXX  XX/XX/2022 XXXX  XXXX  XXXX  XX/XX/2022 These Inquiries where not authorized by me and would like them removed from my credit reports. 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 2022-07-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2022 I went to XXXX dealer in XXXX with a approval letter from XXXX  XXXX for auto financing. I let XXXX know that I had the approval letter and would like to see ma options with XXXX  XXXX. They failed to do what i asked them and proceeded to run my credit with numerous banks resulting in inquiries on my credit report that I did not authorize. I've called some of the creditors listed on my inquiries. Some the number is not working and others since I have no account with them they told me I have to dispute the inquiry directly with the bureaus. These inquires are as fallows. 

XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX  XXXX  XX/XX/2022 XXXX  XXXX  XX/XX/2022 XXXX  XXXX  XXXX  XX/XX/2022 These Inquiries where not authorized by me and would like them removed from my credit reports. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: TX

Complaint narrative:
Illegal inquiries  hard n soft frauds pulls

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 2022-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I the creditor been sending mail out to the debtors address of JPMorgan Chase & Co. to settle debt. I've sent out mail to them XXXX XXXX, XX/XX/2022 and also XX/XX/2022 but still have not received a response or settlement towards the account. My Security Note of instrument was illegally converted into cash. The note was monetized where I'm not receiving the proceeds nor does the proceeds go towards the balance of my mortgage. The debtor is acting within fraudulent securities. They are the debtors in possession under XXXX XXXX guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: IL

Complaint narrative:
I had electric services with XXXX  XXXX  XXXX, XXXX, I was moving out of Indiana, had my account requested to be closed on XX/XX/2022. I have paid all my bills on time for electric utilities. On XX/XX/XXXX, the account was closed and the final bill came due, XXXX, I paid this on XX/XX/XXXX, the due date on the final bill was pay by XX/XX/2022. Apparently on XX/XX/2022 I was sent to debt collections LJ Ross associates, I received a letter dated XX/XX/2022 that I was sent to collections for XXXX ( this was already paid ). Since mail takes some time to get to me, I opened the letter on XX/XX/XXXX, was distraught that this occurred. I called XXXX On XX/XX/XXXX in the XXXX, they said that there was a " system error '' that occurred and several accounts were sent to collections mine happened to be in that account, then it was recalled on XX/XX/XXXX, they said nothing will go to credit bureau and that LJ Ross or other debt collector should not be collecting. I then called LJ Ross later in the day on XX/XX/XXXX, they stated the account was recalled and they can not give any other information and told me to call XXXX. I then called XXXX they said that it was a system error account has been recalled, I have paid in full, and that it should not hit the credit bureau, but it would be LJ Ross that reports that, they said to check XXXX in a couple of weeks. I stated okay, and I stated that this is a significant amount of work, time consuming out of personal time, and requires checking multiple places ( XXXX, LJ Ross, XXXX ), and that there should be compensation for literally time wasted for an error done by XXXX, I was denied compensation, one rep sent me to a supervisor, I notified the supervisor who I spoke with I would like this I was told I can file a damage claim online ( there is no damage claim for financial compensation ), and then I was told another supervisor would reach out for my concern, I notified that this type of behavior is not acceptable to have accounts sent to debt collection and waste customer 's time, and I should receive compensation, I notified the supervisor I will post on CFPB for this behavior. I would like fair compensation for my efforts at making sure I am not put into debt collection for no reason, my credit report is not damaged. This compensation can be negotiated with myself.

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 2022-07-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
XX/XX/XXXX, Navy Federal Credit Union was notified by phone of my desire to rescind the alleged debt. In XXXX my desire to rescind the consumer credit transaction was faxed to Navy Federal 's dispute office. 

I asked for this consumer credit transaction to rescinded pursuant 15 USC 1635 of the Truth in Lending Act. My request has been denied numerous times by Navy Federal Credit Union without explanation. 

Navy Federal Credit Union has never responded to my affidavits in regards too this alleged account. 

Navy Federal has mailed 4 promissory notes that do not hold my wet signature. Those promissory note were mailed to me the natural person after I request debt validation pursuant 15 USC 1692g I demand Navy Federal Credit Union produce the actual promissory note or remove themselves from all consumer reports, and zero out my balance while removing all negative remarks form my consumer reports immediately. 

Navy Federal is attempting to ruin my credit, by refusing my request to rescind this transaction. NFCU I demand a copy of the promissory note. 

As a debt collector NFCU is attempting to violate 15 USC 1692e ( 4 ) and 15 USC 1692f ( 6 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2022-07-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX 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 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 2022-07-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX 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 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 non-monetary relief