vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: IL

Complaint narrative:
I have lived in an apartment for 3 years and paid my rent every month. But at the end of my lease, they gave me a move out statement with the charges related to paint and carpet. The apartment is located in XXXX. According to XXXX XXXX, the residential landlords can not enforce the tenants to pay for the regular wear and tear. When asked for the photos, they never provided me with the photos too. The landlord never gave a resolution and even sent my file to collections department. They have reported to my credit file which impacted massively on my credit score. Despite never missing a payment at all from last 7 years, each of my credit scores from 3 major companies have plummeted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: MS

Complaint narrative:
Hello to whom it may concern I was looking over my credit report and noticed that I had some unauthorized inquiries on my credit report from XXXX and from XXXX and I want removed from my report asap because it's hurting my credit THANKS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-12-22 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Hello to whom it may concern I was looking over my credit report and noticed that I had some unauthorized inquiries on my credit report from XXXX and from Experian and I want removed from my report asap because it's hurting my credit THANKS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX / Account # : - XXXX XXXX  / Account # : - XXXX XXXX  / Account # : - XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : - XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX Account # : - XXXX INQURIES : XXXX Commercial Banks XX/XX/XXXX XXXX Miscellaneous Banks XX/XX/XXXX XXXX Miscellaneous Finance XX/XX/XXXX 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 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX / Account # : - XXXX XXXX  / Account # : - XXXX XXXX  / Account # : - XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : - XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX Account # : - XXXX INQURIES : XXXX Commercial Banks XX/XX/XXXX XXXX Miscellaneous Banks XX/XX/XXXX XXXX Miscellaneous Finance XX/XX/XXXX 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 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

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 2024-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Mobile phone and debit card were stolen on XX/XX/XXXX. Bank account and electronic payment services information ( XXXX XXXX, XXXX, XXXX, XXXX ) were compromised. Transactions totaling {$60000.00} were processed via the electronic payment services for the dates and amounts listed below : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5000.00} Disputes were filed with each electronic payment service, in addition to my primary financial institution, Navy Federal Credit Union. Reports were also filed with the local authorities, FBI, and FTC. Legal reports were provided to the company for reference. However, no action was taken to rectify the situation and return the stolen funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Spoke with customer representative with Experian. They refused to prove or show the results of false information on my consumer report. I ask for these things not to be shared to the public due to my well being and choice of privacy. My credit has been compromised by data breaches as well. I have a FTC report. Reference # 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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing this complaint because I am being harassed by a debt collection agency for a debt that I do not owe or that is not valid. The collection agency has failed to provide proper validation of the debt despite my request, as required under the Fair Debt Collection Practices Act ( FDCPA ). Additionally, they have continued to contact me repeatedly via phone and email after I requested they cease communication. I believe the debt is either inaccurate or was not mine to begin with, and I have asked the agency to provide evidence supporting their claim, but they have not responded or provided the requested documentation. This situation is causing undue stress and negatively affecting my credit report without justification. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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.

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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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.

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 2024-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
In XXXX, I sent a formal dispute letter to AMSHER COLL regarding an account they are reporting on my credit report. I cited violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( a ), as I never received the required written notice of the debt within five ( 5 ) days of their initial communication. I also demanded they validate the debt and cease all collection activities, including reporting to credit bureaus, under 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1692c ( c ). They have failed to produce any validation, verification or chain of title including any assignments of this account. Please refer to the letter attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/year>. SATURDAY. XXXX. I HAVE BEEN ASKING CHIME BANK TO EITHER UPDATE MY INFORMATION OR CXL MY ACCOUNT OF WHICH I'VE DISCOVERED MY ACCOUNT STILL EXISTING BECAUSE WHEN I CALLED THEY REFUSED TO HELP ME BECAUSE I COULDN'T REMEMBER THE OLD EMAIL ADDRESS I HAD TO DELETE OFF ME DUE TO MULTIPLE IDENTITY THEFT ACTIVITIES. I ASKED THEM TO REMOVE MY SSN AND MY INFORMATION. THEY CLAIMED BEEN PERFORMED BUT AFTER WORKING FOR XXXX NEW YORK XXXX AND XXXX  XXXX XXXX XXXX XXXX THROUGH XXXX XXXX XXXX XXXX XXXX NV THAT'S WAY FAR FROM THE TRUTH ESPECIALLY WITH THE XXXX INVESTMENTS ONGOING ACTIVITIES GOING ON. 

I NO LONGER WANT THEIR XXXX UT THEFT SERVICES BECAUSE THAT'S WHERE EVERYTHING STARTED WORKING FOR XXXX XXXX IN XXXX UT BEING DISCRIMINATED SINCE XXXX OLD AND AFTER INVESTIGATION OF MY OWN LIFE OBVIOUSLY WAY BEFORE PROBABLY SINCE BIRTH. 

GET THESE PEOPLE OUT MY LIFE OFF MY NAMES XXXX XXXX XXXX MY BIRTH NAME XXXX XXXX XXXX XXXX XXXX MY FIRST NAME CHANGE THROUGH XXXX XXXX NO HELP AT ALL TO XXXX XXXX XXXX ALL UNDER MY SAME SOCIAL SECURITY NUMBER PLEASE GET THEM OUT MY LIFE AND AWAY FROM MY INFORMATION PERMANENTLY I WATCHED THEM DO THE SAME ADVANTAGES I HAD WORKING ALL OF SUDDEN PERFORMED ON THEIR CHIME MEMBERS TO THE POINT THEY'RE MESSING WITH MY SOCIAL SECURITY BENEFITS GET THEM OFF ME THEY'RE LEACHES THIEVES STALKERS XXXX LIARS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KAHRS LAW OFFICES, PA
State: MO

Complaint narrative:
Company has begun garnishment of wages but no process server or court order served. The last court ordered that was served stated that the debt exceeded XXXX in age and by XXXX XXXX would stop collections and charge off debt as uncollectible. Original debt XXXX last communication received at current address was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/Information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Block, Inc.
State: CA

Complaint narrative:
I tried to add my phone number to my Cash App and received a message : " This phone number can't be used for Cash App. It's been linked to activity that goes against our Acceptable Use Policy. '' I did not violate any policies. I am a U.S. citizen over age 18 and legally received money from friends and family. Cash App 's message is false and misleading. Cash App is violating, among other things, certain consumer laws. I seek to hold Cash App accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/Information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/Information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
After several attempts to get Mohela to correct my balance and accurately report this information to the credit bureaus, Mohela still refuse to accurately update all three credit reports and this willful neglect is hurting my credit score and I am being hampered from fair credit due to their negligence. 

I can not get access to credit due to the negative, false, and inaccurate reporting on my credit reports. I have repeatedly called the Department of Education and XXXX XXXXXXXX XXXX XXXX this matter accurately and immediately resolved. They told me that Mohela has a duty to update all three credit reports so that I can be given fair credit chances and not be hurt by the inaccurate reporting on my credit reports. Mohela has made no attempt to provide me with a legal instrument that I can submit to the credit reporting agencies to accurately reflect my correct credit score thereby affording me lower interest rates for a new home, which Mohela is hurting my chances of getting a home at a lower rate : Mohela is hurting my chances of getting a home when the rates were lower than XXXX ( as they are now ). Mohela is willfully neglecting to accurately and expeditiously send accurate information to the credit bureaus XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
account # XXXX has been charged off with Bank Of America, according to the IRS a charged off account is not considered debt it a profit loss for a creditor or financial institution and income for a consumer who can file a 1099 C as well. Bank Of America filed a 1099 C but I the consumer didn't receive a copy of the 1099 C. furthermore a charge off should not be reported as debt on a consumer report because the IRS states that its considered income and income is not reported on a consumer report therefor a creditor or financial institution is committing fraud Furthermore XXXX XXXX XXXX is trying to collect on an account that has been charged off and deemed as income by the IRS and is considered income and they are also committing fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation