vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The company allowed me to make purchases far beyond on my credit limit which have drastically affected my credit score and credit worthiness. I thought my credit limit was more and wouldn't have intentionally spent over my limit if I was notified as I have plenty of other cards to use. No notice was sent to me to notify me that I was over my limit. I was using this card because I have a XXXX interest and was trying to take advantage of that. This has significantly affected my recent credit transactions.

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 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Collection Systems, Inc.
State: CA

Complaint narrative:
I called this company to obtain the proof of debt that I owe this and also our legal contract. The company did not respond to My request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NM

Complaint narrative:
This debt collector is using deceptive practices by spoofing their To display the phone number in the area code of where the person lives

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting 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:
I AM A VICTIM OF IDENTITY THEFT.I CHECKED MY CREDIT AND I SEE SOME UNAUTHORIZED FRAUDULENT INQUIRIES ON MY REPORT.I NEVER GAVE ANYONE PERMISSION TO RUN MY CREDIT.PLEASE HELP ME TO REMOVE 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 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My 5 Federal student loans were forgiven in FULL effective XX/XX/year> ( according to their email, which I have attached ), however XXXX ( my processor ) continues to actively report a past due balance on my credit report for each loan, which is negatively impacting me financially.

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 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My 5 Federal student loans were forgiven in FULL effective XX/XX/year> ( according to their email, which I have attached ), however XXXX ( my processor ) continues to actively report a past due balance on my credit report for each loan, which is negatively impacting me financially.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My 5 Federal student loans were forgiven in FULL effective XX/XX/year> ( according to their email, which I have attached ), however XXXX ( my processor ) continues to actively report a past due balance on my credit report for each loan, which is negatively impacting me financially.

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 2024-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: CA

Complaint narrative:
account XXXX XXXX Description of complaint : First and foremost : cash app support agents use the following script when they want to evade from helping you because they are not in compliance with federal guidelines and cant incriminate themselves by answering the question ( terrible business practice ). If my issue is not resolved immediately I am going to have my neighbor open class action for this which is specialty. I switched my business account into a personal account the day after it was modified from personal to business.. I selected the option to switch to personal account that same day and went through the notions. This showed me that my account was once again personal as it was only used to make personal transactions. I have received tax papers reflecting that they had this still in the business name and not my personal name. I called in to get this amended for tax liability and by law they must so I can file the correct taxes for these payments. IN ADDITION I GOT CHARGES 2.75 % on XXXX in transactions give or take.These would not be applied if they honored the request and had switched it as described in the app and confirmed. This needs to be fixed amended return must be given personal and the fees for XXXX must be returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: IN

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE this fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
i was not late on my payment. I set up the automatic payment with them as soon as I got the card. I did not see the payment come out. I called and they said the payment will come out soon. But they reported me late on XXXX XXXX that was 3 months after I go the card. I have another card with them for almost 3 years and I have always been on time. I need for them to remove that late payment from my credit report. It is having a big effect in my life. and me credit score dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: EQUIFAX, INC.
State: MO

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 XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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
Consumer complaint received 2024-06-13 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: MO

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 XXXX XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-06-13 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: FL

Complaint narrative:
I understand that FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Please check the documents? Some accounts listed are incorrect in their reporting, amounts, and dates.

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 2024-06-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent letters to the credit bureau on XX/XX/year> requesting an investigation into the reporting of erroneous information on my behalf. I have not heard back from them and I have not received the results of their investigation as of today XX/XX/year>. I checked my credit report today and nothing has changed on my credit report. I know they have 30 days to investigate and they have not done that. I am asking that they delete the information from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: FL

Complaint narrative:
I think FCRA 605B mandates that we remove any erroneous accounts from my credit report. Could you check the documents? Some of the listed accounts have incorrect reporting, amounts, and dates.

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 2024-06-13 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
Kindly delete these inquiries. I am unaware of them, and the company acted without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
This consumer advised they would remove account once account was satisfied I paid the account off however the deletion of the account did not take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
Please get rid of these inquiries. I have no idea about them, and the company carried them out without my authorization.

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 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: HireRight Solutions, Inc.
State: SC

Complaint narrative:
HireRight was unable to verify my employment history while other companies could, and i lost employment due to their failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: 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 XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 2024-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I started getting the calls in XXXX of 2023, I sent letters to verify the dept. Show me my original contract with my signature and the card agreement. Also the proof that you have the right to sue for the dept. All they did was send me court papers with a copies of one of my credit card bills. I asked again, I have yet to get any reply.

I sent a letter to cease contacting me at my home and job XX/XX/year>2023. From that time to now, the call me 6 or 7 times a day. And 6 or 7 times at my Job. My Boss has gotten on the phone several times and ask them not to call, nicely and not so nice and that this is a business. That stopped nothing.

They call every day except Sunday. Its been going on for 2 years now and my Job is not being understanding anymore. This week alone I have 30 and its just Thursday. I can only imagine how many the shop is getting. I'm really starting to get in fear of loosing my job if this doesn't stop.

I've seen this on t.v. but I never thought it would be happening to me.

I appreciate anything you can do to help. 
Thank you so much 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 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kovo
State: CA

Complaint narrative:
I called this company to obtain the proof of debt that I owe this and also our legal contract. The company did not respond to My request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with Clarity Services XXXX Please prioritize this matter for prompt action. I have tried to email them, at Clarity Services XXXX, a part of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX But I am not getting any response or completion of my request. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2024-06-13 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: IL

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized. Section 605B of the FCRA [ 15 U.S.C. 1681c-2 ] mandates the blocking of any information that a consumer identifies as resulting from identity theft. I am trying to obtain credit and these fraudulent accounts are hurting my chances to get a car and home for my family. I have attempted many times to get these accounts removed from my consumer report. I am aware of the process in which these agencies verify information and it is not reasonable and accurate. This is fraud and it illegal for corporations to join together to participate in fraud in the guise of just doing business. These unfair practices has cost me greatly and I need to be made whole.

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 2024-06-13 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: IL

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized. Section 605B of the FCRA [ 15 U.S.C. 1681c-2 ] mandates the blocking of any information that a consumer identifies as resulting from identity theft. I am trying to obtain credit and these fraudulent accounts are hurting my chances to get a car and home for my family. I have attempted many times to get these accounts removed from my consumer report. I am aware of the process in which these agencies verify information and it is not reasonable and accurate. This is fraud and it illegal for corporations to join together to participate in fraud in the guise of just doing business. These unfair practices has cost me greatly and I need to be made whole.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NC

Complaint narrative:
Today I called a collection agency called Jefferson Capital Systems. This agency has posted a debt purchase from XXXX, which dates back into XXXX. However, in XXXX the account was posted with another collection agency called XXXX XXXX, XXXX. I did make arrangements with that company, the account weas paid and then removed from all of my credit reports. Now comes Jefferson Capital Systems, claiming on my XXXX report that they are a debt buyer, and that the account comes off of my credit report in XX/XX/XXXX. This is totally fraudulent. When I called XXXX, the agent claimed that the debt is too old to collect on. I never received anything in the mail pertaining that they had my personal information. This company needs to be closed by the CFPB for totally fraudulent collection practices and identity theft. No such debt was ever purchased, and my credit report was ruined by this destructive collection process. The account needs to come off of all credit reports immediately, and I should be compensated for damaged caused by Jefferson Capital Systems. XXXX XXXX

Company response to consumer: Closed with explanation