vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2023 Experian responded to my CFPB Complaint concerning an investigation on unverifiable and inaccurate accounts from XXXX : # XXXX and XXXX XXXX : XXXX XXXX, I also provide a list of 15 USC Laws of reporting violations. Experian stated that 'We already have reinvestigated this information with the data furnisher. They responded and verified the accuracy of the disputed information '. Please provide me with the paperwork, contracts, receipts, statements, logs, etc. that were used in this so-called investigation. If you can't furnish what I've requested, these accounts need to be removed 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 2023-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
NOTICE OF CEASE AND DESIST TO WHOM IT MAY CONCERN. 
I XXXX XXXX XXXX XXXX, a federally protected consumer, here by put JEFFERSON CAPITAL SYST, A debt collector a formal notice of violation, in reference to an account they are furnishing on my credit report. 
JEFFERSON CAPITAL SYST XXXX According to 15USC 1692a ( 2 ), the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
As per the literal interpretation Any Medium : includes any oral, written, electronic or any medium. 
Therefore, furnishing of the consumer report ( bearing information regarding the alleged debt ) by the company will amount to communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my right as per 15USC 1692C ( C ), I am hereby providing you formal notice to cease any further communications regarding this account immediately, this includes but not limited to telephone calls, social media, or any consumer reporting agency.

Any further contact by your agent or company, except a communication confirming your acknowledgement of this letter, is in violation of Fair Debt Collection Practices Act ( FDCPA ).

I do not have any business with your company, and I do not owe this alleged debt.

A charged off account is an ordinary income and kindly provide the 1099 c document from who ever sold this account to you.

If you do not remove this account in 5 working days, you will be civilly liable to me for actual damages you have caused me mentally and financially. 
This is a warning, take this seriously. 
Thank You for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i constantly check my credit report and noticed errors continuing to report false and misleading information on my report for individual accounts that dont meet the credit rerporting standards of being 100 % correct. This has damaged me and held me back for a while now. I'm demanding CFPB to enforce the correction and or deletion of these items. These items were removed before.

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 2023-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
NOTICE OF CEASE AND DESIST TO WHOM IT MAY CONCERN. 
I XXXX XXXX XXXX XXXX, a federally protected consumer, here by put XXXX XXXX XXXX A debt collector a formal notice of violation, in reference to an account they are furnishing on my credit report. 
XXXX XXXX XXXX According to 15USC 1692a ( 2 ), the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
As per the literal interpretation Any Medium : includes any oral, written, electronic or any medium. 
Therefore, furnishing of the consumer report ( bearing information regarding the alleged debt ) by the company will amount to communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my right as per 15USC 1692C ( C ), I am hereby providing you formal notice to cease any further communications regarding this account immediately, this includes but not limited to telephone calls, social media, or any consumer reporting agency. 
Any further contact by your agent or company, except a communication confirming your acknowledgement of this letter, is in violation of Fair Debt Collection Practices Act ( FDCPA ). 
I do not have any business with your company, and I do not owe this alleged debt. 
A charged off account is an ordinary income and kindly provide the 1099 c document from who ever sold this account to you. 
If you do not remove this account in 5 working days, you will be civilly liable to me for actual damages you have caused me mentally and financially. 
This is a warning, take this seriously. 
Thank You for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: CA

Complaint narrative:
In accordance to the a Fair Reporting Act XXXX Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

1

5 U.S.C 1681 Section A States I have a right to privacy. 15 U.S.C 1681 section 604 section 2 It also states a consumer reporting agency can not furnish an account without written notice.

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 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I want to open a new account at Bank of America, but was unable to do so because my XXXX credit report was frozen. I contacted XXXX, and received a letter saying that my credit report was unfrozen. I just checked today, and their website also says my credit report was unfrozen. But when I went back to the bank today, they couldn't open my account, because their computer says my XXXX credit report is frozen. 

I don't know whether the problem is with XXXX or with Bank of America, but I am at my wit 's end. 

Please help me resolve this problem

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 2023-02-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-22 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XXXX XXXX, 2022, a customer service representative from Bank of America stole my account information from two different credit cards I have with other banks and without my permission transferred the balances form both of those cards to a newly opened Bank of America credit card in my name. She stole my account numbers and account information from my other credit cards and processed balance transfers without my knowledge. It blew my balance on my Bank of America card by more than 3,000.00 dollars. I filed a complaint with BofA and they denied my claim of fraud. Can you please help me. Thank you kindly!

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 2023-02-22 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I purchased a water heater from Loews. It had a 5 year warranty attached and was also supposed to have an L attached to it to cover labor. The water heater started leaking and when I called the warranty department at Loews they did not reply for 2 weeks and water was running in the home. Added problem was that the amount tendered did not cover the replacement. I went to a Loews store in Arizona and Manager XXXX XXXX stayed on the phone for and hour straightening out this unfair treatment. I thought everything was in order until I called The XXXX XXXX XXXX and they don't have any one to install the Water Heater.I had paid for 2 years thinking that I had coverage. With my out of pocket payment for installation I am out XXXX dollars Meaning that the coverage left me with a deficit.Hours spent with a tenant without a Water Heater.

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 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent the letter to Equifax credit bureau the date of the last letter was on XX/XX/XXXXXXXX XXXX. And now we are in the month of XXXXXXXX XXXX  and still nothing from them. that means the Equifax credit bureaus has NOT complied with the Fair Credit Reporting Act Law. REMOVE OR BLOCK THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
1. XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXXXXXX XXXX XXXX XXXX I want full validation of the accounts listed above including the originally signed contracts with my signature if you can not verify the accounts you must remove the accounts under FCRA Laws. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: MD

Complaint narrative:
Notice to Agent Notice to Principal ALL CONTRACTS ARE VOID! This is the truth and nothing but the truth. If it is not THE GREAT LAW, I XXXX XXXX XXXX the living SOUL, Will not take part or honor any law that governs the jurisdiction of an illegal fiction. I will not converse in any law that is not The Great Law. Meaning adhesion contracts are hereby NOW void because they werecohesion by deception, This is Written Notice to cancel, settle, discharge, delete, destroy, burn, eliminate disappear, get rid of all illegal fiction contracts. The United States government and the Pope has been deceiving XXXX XXXX XXXX by promoting adhesion contracts, coercive laws, deceptive laws written under the pretax of our government, but its been fraud the whole time.Notice to agent is Notice to principal.I have a bandit all contracts due to the fact I have been deceive through legalese, and I have been trapped in the deception since XXXXMy birthright and blood rights has been taking away without my consent.This is Public Notice to ALL coming from XXXX XXXX and The Great Law of The REAL Americas ALL CONTRACTS ARE HEREBY VOID DUE TO NON-PERFORMANCE BY THE GOVERNMENT AND THERE CORPORATIONS! This is a Cease and Desist to all parties involved with trying to Contract without any lawful jurisdiction to my illegal fiction. Any corporation using any form of UNIFORM COMMERCIAL CODE or Maintaining a database of any information containing the name XXXX XXXX XXXX date of birth XXXX, Social security number XXXX is FIRED. Attached are copies of my identification and The American Declaration on The Rights of Indigenous Peoples!

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 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Notice to Agent Notice to Principal ALL CONTRACTS ARE VOID! This is the truth and nothing but the truth. If it is not THE GREAT LAW, I XXXX XXXX XXXX the living SOUL, Will not take part or honor any law that governs the jurisdiction of an illegal fiction. I will not converse in any law that is not The Great Law. Meaning adhesion contracts are hereby NOW void because they werecohesion by deception, This is Written Notice to cancel, settle, discharge, delete, destroy, burn, eliminate disappear, get rid of all illegal fiction contracts. The United States government and the Pope has been deceiving XXXX XXXX XXXX by promoting adhesion contracts, coercive laws, deceptive laws written under the pretax of our government, but its been fraud the whole time.Notice to agent is Notice to principal.I have a bandit all contracts due to the fact I have been deceive through legalese, and I have been trapped in the deception since XXXXMy birthright and blood rights has been taking away without my consent.This is Public Notice to ALL coming from XXXX XXXX and The Great Law of The REAL Americas ALL CONTRACTS ARE HEREBY VOID DUE TO NON-PERFORMANCE BY THE GOVERNMENT AND THERE CORPORATIONS! This is a Cease and Desist to all parties involved with trying to Contract without any lawful jurisdiction to my illegal fiction. Any corporation using any form of UNIFORM COMMERCIAL CODE or Maintaining a database of any information containing the name XXXX XXXX XXXX date of birth XXXX, Social security number XXXX is FIRED. Attached are copies of my identification and The American Declaration on The Rights of Indigenous Peoples!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 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: MD

Complaint narrative:
Notice to Agent Notice to Principal ALL CONTRACTS ARE VOID! This is the truth and nothing but the truth. If it is not THE GREAT LAW, I XXXX XXXX XXXX the living SOUL, Will not take part or honor any law that governs the jurisdiction of an illegal fiction. I will not converse in any law that is not The Great Law. Meaning adhesion contracts are hereby NOW void because they werecohesion by deception, This is Written Notice to cancel, settle, discharge, delete, destroy, burn, eliminate disappear, get rid of all illegal fiction contracts. The United States government and the Pope has been deceiving XXXX XXXX XXXX by promoting adhesion contracts, coercive laws, deceptive laws written under the pretax of our government, but its been fraud the whole time.Notice to agent is Notice to principal.I have a bandit all contracts due to the fact I have been deceive through legalese, and I have been trapped in the deception since XXXXMy birthright and blood rights has been taking away without my consent.This is Public Notice to ALL coming from XXXX XXXX and The Great Law of The REAL Americas ALL CONTRACTS ARE HEREBY VOID DUE TO NON-PERFORMANCE BY THE GOVERNMENT AND THERE CORPORATIONS! This is a Cease and Desist to all parties involved with trying to XXXX without any lawful jurisdiction to my illegal fiction. Any corporation using any form of UNIFORM COMMERCIAL CODE or Maintaining a database of any information containing the name XXXX XXXX XXXX date of birth XXXX, Social security number XXXX is FIRED. Attached are copies of my identification and The American Declaration on The Rights of Indigenous Peoples!

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 2023-02-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am a Combat Veteran with a XXXX under the 1st prong of the American with Disabilities Act ( ADA ), U.S. Code Title 42, Section 12102 ( 1 ) ( A ). see : https : //www.ada.gov/law-and-regs/ada/ # top : ~ : text=The % 20term % 20 % E2 % 80 % 9Cdisability, of % 20such % 20individual % 3B and I have made this known to Navy Federal numerous times XXXX My ability to speak, concentrate, think, and communicate are impaired ( Title 42, Section 12102 ( 2 ) ( A ), see : https : //www.ada.gov/law-and-regs/ada/ # top : ~ : text= ( 2 ) % 20Major % 20Life, communicating % 2C % 20and % 20working. ) <p> Navy Federal Credit Union ( hereafter, NFCU ) is a public accommodation as defined under ADA Section 12181 ( 7 ) ( f ), continues to refuse to communicate in any manner accept voice telephone calls. See : https : //www.ada.gov/law-and-regs/ada/ # subchapter-iii -- -public-accommodations-and-services-by-private-entities-title-iii : ~ : text= ( 7 ) % 20Public % 20accommodation, entities % 20affect % 20commerce <p> NFCU 's " failure to make reasonable modifications in policies, practices, or procedures, when such modifications are necessary to afford such goods, services, facilities, privileges, advantages, or accommodations to individuals with disabilities, unless the entity can demonstrate that making such modifications would fundamentally alter the nature of such goods, services, facilities, privileges, advantages, or accommodations '' is a form of discrimination, violating the ADA. See : <p> 1. ADA Section 12182 ( b ) ( 2 ) ( A ) ( ii ) https : //www.ada.gov/law-and-regs/ada/ # subchapter-iii -- -public-accommodations-and-services-by-private-entities-title-iii : ~ : text= ( ii ) % 20a % 20failure, advantages % 2C % 20or % 20accommodations % 3B <p> 2. ADA Section 12182 ( b ) ( 2 ) ( A ) ( iii ) https : //www.ada.gov/law-and-regs/ada/ # subchapter-iii -- -public-accommodations-and-services-by-private-entities-title-iii : ~ : text= ( iii ) % 20a % 20failure, an % 20undue % 20burden % 3B <p> Navy Federal Credit Union has blocked my ability to make electronic mortgage payments, will not accept payment at an ATM, or a physical branch, and has not repaired their online messaging system, nor do they provide a means to reach them via email or chat. 
<p> ADA Section 12201 ( f ) precludes NFCU from requiring me to communicate with them via phone. See : https : //www.ada.gov/law-and-regs/ada/ # subchapter-iii -- -public-accommodations-and-services-by-private-entities-title-iii : ~ : text= ( d ) % 20Accommodations % 20and, not % 20to % 20accept. 
<p> I just want to make my delinquent mortgage payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account number : N/A You are reporting this collection as an OPEN ACCOUNT, which is not under the FCRA compliance. This is INACCURATE reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2023-02-22 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: NC

Complaint narrative:
Submitted an Equifax investigation into error on credit report for a closed loan in XXXX. They continue to report an error in XXXX although the loan details clearly state loan was paid off in XXXX. 
They investigated and updated details stating as much, but continued to report a status code in XXXX while showing it was paid and closed in XXXX. Incompetent at best, negligent and fraudulent at worst. 

The company has told me to dispute it with Equifax and it has not resolved anything.

Company response to consumer: Closed with explanation