vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
I bank with Usaa and they use XXXX for payment transfers. I sent money to XXXX to purchase a rifle I sent through the using send to business. I never received my rifle and Usaa and XXXX refuse to return my money. I have provided Usaa with the receipts and conversation transcripts with the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: PA

Complaint narrative:
In 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 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: PA

Complaint narrative:
In 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 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 2023-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act Nelnet account # XXXX, has violated my right. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
COMPANY HAS YET TO PROVIDE THE ORIGINAL CONTRACT/SECURITY AGREEMENT & STILL CONTINUES TO REPORT IMPROPERLY TO CONSUMER 'S CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: CCS Financial Services, Inc.
State: IL

Complaint narrative:
Dear XXXX, XXXX and XXXX I have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX Amount : {$470.00} Party Owed : XXXX XXXX Amount : {$550.00} Party Owed : XXXX Owed : {$190.00} Party Owed : XXXX XXXX XXXX XXXX Amount Owed:XXXX I am disputing this claim due to : I had know knowledge to this account nor did I give permission for anyone to use my information This is my official request to have the aforementioned item to be deleted off my credit report .Enclosed may be additional information evvidence to support my claim

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have sent a letter back in XXXX along with the police report and a photo copy of my identification stating that I had never received my card and the transaction being made was without my consent so they said that they would be issue a new card and I never received that one either up untill XXXX with the card end with XXXX wen I received the card it was supposed to have funds in the account but there was only XXXX and I continued to call and ask about my claim they would deny them continuously so I would request that they reconciliation on the claim but I still haven't been able to collect all my funds I also tried to put wat lil money that was on the card wen I received it to my bank they wouldn't allow me make it easy for the the scammers it's horrible

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 2023-09-10 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
Request for debt validation, contract with my signature with collection agency, proof of licensing to collect debt in the state of Florida sent Certified Mail. Collection Agencies sent a billing statement. No company listed in this complaint sent any validation and are not licensed to collect debt in the State of Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Request for debt validation, contract with my signature with collection agency, proof of licensing to collect debt in the state of Florida sent Certified Mail. Collection Agencies sent a billing statement. No company listed in this complaint sent any validation and are not licensed to collect debt in the State of Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
First bank of america close my account because supposedly it was a fraud which to me it was no fraud. I got the XXXX this XX/XX/XXXX and I haven't received. I have my daughter that is XXXX and I don't have money to pay the rent and either for food. They have been telling me to go to the branch and pick up the funds and when I arrive they say no. They have been like this since the XXXX of XXXX. On Friday someone told me to go to get the funds I couldn't go that day. I told them I was going on Saturday and they said the same thing they can't give it to me it's on bank of america. The amount of my funds is {$1300.00} And every time I go I take my daughter and is very hot to take her out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
Proof of debt, copy of contract with collection agency with my signature, proof of licensing in state of Florida to collect debt as none of the companies listed in complaint are not licensed in the state of Florida to collect debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: CA

Complaint narrative:
The following account is inaccurate and unverifiable. 
1 ) XXXX XXXX XXXX Acc XXXX XXXX XXXXXXXX XXXX has remove this account from my credit report and I would like XXXX and Equifax to do the same.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
When I noticed all of the fraudulent charges from XXXX that were posted to my checking account between XX/XX/XXXX and XX/XX/XXXX, I contacted Bank of America to report the fraud and to get a new debit card issued for my account. The person I spoke with noted the large number of XXXX  charges on the account and turned this claim over to the fraud department. The charges totaled {$5400.00}. 
Less than a month later I got a message from the fraud department that they could not pay the claim. They said their research included my account history, monthly account statements, and information from the merchant. The message stated that they made their decision based on the fact " the charge was authorized by me or made by someone who has permission to use the card or account. '' There were XXXX XXXX  charges on the account. I do not have a XXXX  account and no one besides myself is on my checking account or has permission to use my debit card or account. XXXX does not deliver to my address. Furthermore, most of these charges are from places I've never even been. Looking at the history of my account should show clearly that these are not regular places that I frequent to eat or to shop. As I said before, there are no restaurants or stores that deliver to my address through XXXX  or otherwise. Also, for the few places that I have been, the charges from these places show up on my account as " debit card '' charges and not " virtual card '' charges because I don't have XXXX. All of the fraudulent charges show up as a " virtual card '' charge. I haven't been to XXXX XXXX since high school ( over 30 years ago ) and it's probably been about 6 years since I went to XXXX XXXX 's. 
I have a very busy work schedule and mainly go to work and back home each day. I can show from my work schedule that a lot of the days that these fraudulent charges were made I was at work. I certainly don't have time to consider ordering anything through XXXX  while at work. 
The same thing happened with my Bank of America Visa credit card which I ended up having to cancel because the fraud kept happening. Again, these were all XXXX charges. However, when I turned these charges over to the fraud department of Bank of America it was determined to be fraud and I was credited for all the charges. It also took a lot longer for them to review my claim. 
Again, I did not make any of the charges that I have claimed to be fraud. It's very obvious when looking at my statements that these " virtual charges ' from XXXX  suddenly appear in the time frame stated above. I do not use XXXX. 
I'm happy to supply anything helpful or needed by the bank in reopening this claim. These charges are fraudulent.

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 2023-09-10 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: IN

Complaint narrative:
I submitted a dispute request to the credit reporting agencies, I asked for an investigation into an account that is reporting an inaccuracy on my consumer report. The XXXX XXXXXXXX account is being reported as a charge off, according to IRS Publication 4681 Canceled Debts, Foreclosures, Repossessions, and Abandonments : the lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. Once again according to the IRS publication 4681, even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account inaccurate! I also asked for the following information : 1. A detailed description of the method or process used to verify the accuracy of the disputed charged-off amount on my credit report.

2. The specific documents or evidence obtained and reviewed during the verification process, including any correspondence or communication with the creditor involved.

3. The date on which the verification process was conducted and completed.

4. The name and contact information of the individual or entity responsible for conducting the verification process.

5. Any other relevant information that sheds light on how the accuracy of the disputed charged-off amount was established.

To this day I still have not received the information requested. The balance that was being reported as written off is not the same amount that is on the 1099C form, which is also another inaccuracy. Overall, this company has violated many FCRA laws including : *15 U.S. Code 1681e ( b ) Accuracy of report *15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies and ( B ) Reporting information after notice and confirmation of errors

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
After pulling my consumer report on XX/XX/, I filed a dispute with Dep of Education Loan Services/ Aidvantage also the three major credit bureaus XXXX XXXX XXXX XXXX and XXXX XXXX I disputed 8 accounts that were furnished onto my consumer report by Aidvantage/ Dep of Education Loan Services that were reporting age was over 7-10 years. Lawfully Aidvantage should have removed these accounts from my consumer report as they were delinquent. On XX/XX/ XXXX sent me their Investigation Results also XXXX dispalyed the results same as XXXX after the Investigation. The Invesigation reults from the disputed accounts were 6 out 8 Aidvantage accounts removal/deletion from my consumer report. Since then, i have had to send dispute letters to Aidvantage for continuingthe furnishing of false and lawfully disputed information. Aidvantage has made it clear that they do not respect my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: FL

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 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: FL

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-09-10 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: CL Holdings LLC
State: TN

Complaint narrative:
In accordance with the fair credit reporting act Jefferson Capital System, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definition ; rules of construction - Exclusion. - Except as provided in paragraph the term consumer report does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: NC

Complaint narrative:
XXXX and XXXX is reporting incorrectly on my consumer report. Per FDCPA its your responsibility to make sure all information you report is correct. These XXXX accounts are in direct violation and so is the consumer reporting agency. I received a 1099C Cancellation of debt on both of these accounts and per the IRS publication it is now considered income and income isn't reported on the consumer report. You will find the attached forms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: TX

Complaint narrative:
I need my credit report corrected XXXX XXXX XXXX  account still showing i owe them. XXXX on Experian and XXXX XXXX i got a report from XXXX its been removed but now they took aall my credit report XXXX XXXX XXXX is giving me mental breakdown i cant get approved for anything because of them im ready to get a lawyer and sue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: SC

Complaint narrative:
Discovery card blocked me from using my card because, I was at my credit limit, but they let XXXX XXXX XXXX charged up over XXXX XXXX  dollars over my limit and, after begin the pay the card and was not late on payments they still charged me interest for not using the card, I paid more than the regular amounts monthly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: PLS GROUP, INC
State: TX

Complaint narrative:
unauthorized transaction in the amount of XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: TX

Complaint narrative:
My personal information was comprised and used to apply for loans. My Social Security Number, Driver 's License, Address, Phone Number, and Email and Bank account 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 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: TX

Complaint narrative:
My personal information was comprised and used to apply for loans. My Social Security Number, Driver 's License, Address, Phone Number, and Email and Bank account 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

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