vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-03 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: GA

Complaint narrative:
I have unauthorized inquiries on my credit report ; XXXX ( XXXX XXXX XXXX  ( XXXX ), XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXXXXXX XXXX  ( XXXX ). I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of may rights to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has continued to change, alter, and update a charged-off debt, including eliminating the last active date on a Charged Off account from 2015 that is more than 7 years old. When it is disputed, the information is simply updated and changed, including the amount of the debt, the dates of the debt, and the charge-off date or reporting date to reflect what they claim to be accurate. They state that such debt can remain on my credit for another 10 years with no explanation whatsoever. This account was disputed due to gross inaccuracies and I was told, that allows them to update it and the clock starts over, so it's best I just don't dispute it if I want it to fall off my credit after another 10 years. This is a clear violation of the fcra and Equifax has done this at least six times as a result of the investigation and reinvestigation of this debt. 

Equifax has also continued to sell my information to marketing companies under altered or inaccurate names. I have received credit cards in the mail under aka names that are not associated with me. 

I have been on the opt-out for quite some time but they state I can get their offer for up to one year after opting out. The last offer received was distributed to a credit card company three weeks ago and the company has verified the information on when they received my inaccurate name for their credit card offer and who provided it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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 — Was not notified of investigation status or results
Company: Credit Karma, LLC
State: NC

Complaint narrative:
I was subjected to Credit Karma 's false pre-approval claims to credit card companies. How do I go about signing up to be a part of the lawsuit?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: RI

Complaint narrative:
In accordance the fair credit reporting act XXXX Account # XXXX XXXX credit card has violated righ 15 USC 1681 section 602 .States I have the right privacy, 15 USC 1681 section 604. A section 2 it also states a consumer reporting agency can not furnish a account without my writing instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have a bank of america checking account ending in XXXX. Which I wanted to close. But every time I call there is too much long hold. Once i was able to get hold of a person on phone but the phone got disconnected in between. 
Please close this account as I don't need it. 
Moreover please have chat and secure mail option to do this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allgate Financial, LLC
State: MI

Complaint narrative:
My name is XXXX XXXX. I am submitting this complaint because a collection company ( JH Portfolio Debt Equities ) ( the " Collection Company '' ) continues to pressure me to pay the credit card debt of my late husband ( XXXX XXXX ) who passed away in XXXX of XXXX. XXXX entered into a credit card agreement with XXXX XXXX, solely in XXXX 's name, of which I had not agreed in any manner to be bound by. Indeed, I was not even aware of the existence of the credit card until after my husband 's death. While I was named as an authorized user of the account ( I am not sure how this was set up, as I was not aware of, or in possession of the card ), I was not a joint account holder, and did not agree to be bound by the account terms. I have made the above facts clear to the XXXX XXXX on several occasions and have asked the XXXX XXXX to provide evidence of my consent to be bound by the account terms. I have also attempted to explain to the XXXX XXXX that Michigan ( where my family has lived my entire life ) is not a community property state and therefore a surviving spouse is not responsible for credit card debt held only in the name of the deceased spouse. The XXXX XXXX has not offered any evidence that I agreed to be bound by the account terms or that I am a joint account holder. It seems to be relying on my apparent status as an authorized user to support its claims, and instead has filed multiple complaints against me with the court, has accused me ( in XXXX hearing in court ) of " having no respect for the law '' has surprised me at the door of my home with threatening process servers, and has bullied me with threatening communications. XXXX of the aforementioned complaints was filed in XXXX and a second was filed in XXXX. The XXXX complaint was dismissed without prejudice. The XXXX complaint is pending. Given my age and health status, these complaints, and the attendant court appearances that are required to respond to motions, arbitrations, and other hearings, as well as the related stressful interactions with the XXXX XXXX, have a significant negative impact on my physical and mental health. I therefore urge the XXXX to intervene and stop these unlawful, aggressive, abusive, and unjustified activities by JH Portfolio Debt Equities. I also request guidance from XXXX on how I can file a counterclaim for the harm caused by this Collection Company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: GA

Complaint narrative:
I have unauthorized inquires on my credit report : XXXX XXXX ( XXXX ), XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ). I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit Karma, LLC
State: NY

Complaint narrative:
I have been denied for XXXX different credit card 's that Credit Karma said that I was pre approved for. This action lowered my credit score. I believe that I was denied due to Credit Karma not doing a complete job on their end. I also think they should be made to compensate me for the waste of my time and also for my score going down due to their fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc
State: FL

Complaint narrative:
Applied to XXXX to be a driver. XXXX used a company called Checkr to run a background check. Checkr got back to XXXX about a case here in my county that I had been promised my first offense would be expunged after paying off the court. The following has been sent to XXXX by Checkr : Case Number XXXX File Date XXXX XX/XX/XXXX Court Jurisdiction FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX State FL Full Name XXXX XXXX XXXX DOB XXXX XX/XX/XXXX Charge XXXX XXXX XXXXXXXX Charge Type XXXX Disposition ADJUDICATED WITHHELD Disposition Date XXXX XX/XX/XXXX Plea XXXX Charge XXXX XXXX  XXXX Charge Type XXXX Disposition ADJUDICATED WITHHELD Disposition Date XXXX XX/XX/XXXX Plea XXXX Charge XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Type XXXX Disposition ADJUDICATED WITHHELD Disposition Date XXXX XX/XX/XXXX Plea XXXX I have been rejected as a driver because of this and would like it corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: Affirm Holdings, Inc
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX I was going to order a temporary replacement while my permanent one was being made. I was going to finance it through a company called Affirm XXXX Inc. Then I was informed that a temporary replacement couldn't be made for me because I don't have enough XXXX. So I never utilized Affirm, Inc. yet they charged me anyway. In 2018 they charged me {$350.00} and I refused to pay it because I didn't received the product. They claim that I made payments to them but then stopped so they sent it to collection which never happened because I never made any payments because I don't owe them any money. This is a blatant lie on their part and according to the credit bureau they have had trouble like this with Affirm , Inc. in the past. Why do they get away with this? My credit score has dropped substantially because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
- I placed a lock on my credit /debit card because it was missing. I figured I had misplaced it in my jeans pocket or something. The lock is supposed to prevent charges from going through. 
- However, charges totaling {$300.00} were allowed to go through. When I called, they said they would issue a temporary credit however they did not. I called Bank of America to file a claim with the Claims department and spoke to the Supervisor, XXXX. He hung up on me. 
-Bank of America needs to have better fraud protections in place. 
- I have been a customer for over 30 years. I can not handle the stress of knowing that Im not protected in these events. I may look elsewhere if this is not resolved timely. The reason why I am reaching out is because of how I was treated by 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 monetary relief
Consumer complaint received 2022-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My name is XXXX XXXX. I am submitting this complaint because a collection company ( XXXX XXXX XXXX XXXX ) ( the " Collection Company '' ) continues to pressure me to pay the credit card debt of my late husband ( XXXX XXXX ) who passed away in XXXX of XXXX. XXXX entered into a credit card agreement with Capital One, solely in XXXX 's name, of which I had not agreed in any manner to be bound by. Indeed, I was not even aware of the existence of the credit card until after my husband 's death. While I was named as an authorized user of the account ( I am not sure how this was set up, as I was not aware of, or in possession of the card ), I was not a joint account holder, and did not agree to be bound by the account terms. I have made the above facts clear to the Collection Company on several occasions and have asked the Collection Company to provide evidence of my consent to be bound by the account terms. I have also attempted to explain to the Collection Company that Michigan ( where my family has lived my entire life ) is not a community property state and therefore a surviving spouse is not responsible for credit card debt held only in the name of the deceased spouse. The Collection Company has not offered any evidence that I agreed to be bound by the account terms or that I am a joint account holder. It seems to be relying on my apparent status as an authorized user to support its claims, and instead has filed multiple complaints against me with the court, has accused me ( in one hearing in court ) of " having no respect for the law '' has surprised me at the door of my home with threatening process servers, and has bullied me with threatening communications. One of the aforementioned complaints was filed in XXXX and a second was filed in XXXX. The XXXX complaint was dismissed without prejudice. The XXXX complaint is pending. Given my age and health status, these complaints, and the attendant court appearances that are required to respond to motions, arbitrations, and other hearings, as well as the related stressful interactions with the Collection Company, have a significant negative impact on my physical and mental health. I therefore urge the CFPD to intervene and stop these unlawful, aggressive, abusive, and unjustified activities by XXXXXXXX XXXX XXXX XXXX. I also request guidance from CFPD on how I can file a counterclaim for the harm caused by this Collection Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX Was the report number given to me when I have already filed a dispute of the file regarding XXXX  XXXX, which I mistakingly was threatened into paying off twice, once to a collection agency about XXXX after the account was opened back in XXXX under my name XXXX XXXX and paid off again by another collection agency around XXXX, because they tried to threaten legal action and I could not provide proof of the paid off debt. This account originated with less than {$500.00} of a charged off amount, which is well over XXXX old and should not be used to contact me in an aggressively and harassingly manor by anyone ever. Its paid off and well over paid off at that. The card company has already agreed its a null and void account and has removed from my credit report all together yet collection agencies named XXXX and legal offices pick up this file in some way and reach out to my family members and my spouses place if business times harass me threatening to file suit and carry out legal actions. Its humiliating and illegal, not to mention violating numerous consumer rights of mine. Please investigate and help me notate this file as closed on whatever level necessary. 
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 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

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

Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions. 

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 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

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

Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
I contacted Navient on XX/XX/2022 and informed them of the Sweet vs Cardona case and that the U.S. dep Of Ed is no longer pursuing payment of my loans. However Navient continues to charge me for me past ffelp loans. I also fall under automatic loan forgivness due to this case. Also the charges that was brought upon Navient. My loans should be forgiven since they are over 20 years old! Navient should have sent me a XXXX dollar check and did not. They also directed me into unforgiving forbearance and fraudulent loan repayment programs which all money and interest should be paid back to me under the Navient law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

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

Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

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

Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions.

Company response to consumer: Closed with explanation