vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion is reporting incorrect information on my consumer report. The account listed as XXXX XXXX has several inaccuracies which means this account has not been verified and who validated this information as correct? Furthermore I am in arbitration with the company for this fraudulent information so I know they could not have validated this information. I demand Transunion provide the necessary documentation to me that they used to verify this account information.

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 2024-04-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Security Credit Services, LLC
State: IL

Complaint narrative:
I have not been supplied any proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I did a job for a client. They endorced a check to me. I deposited chance made it available but wont let me access me account or money. I been calling them off and on now for 2 months. Morning. Apparently they can verify the # I give them but cant get anybody on the phone. So theyve closed my account and my funds are unavailable. Ive talked to several people and was told to contact you guys hopefully u can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XXXX intends to collect amounts not owed and sent the account to a collection agency. 
The Consumer has been spending in legal fees to prepare for civil and criminal investigation as applicable, since it is so clear. This comes from certain purchase at XXXX XXXX which was cancelled, and refunded. 

XXXX seems not to know how to read English, and seems that doesn't know that {$2400.00} - {$2400.00} = XXXX and not {$2400.00} XXXX does not validate the supposed debt and attached you will find the validation with their very own statements of account, and the American Express statements of account. 

If they did not send a double refund, to me, they do not have any right to claim a duplicate one. XXXX XXXX refunded once, American Express issued a temporary refund until XXXX refunded, and reversed it after XXXX refunded. 

Attached you will find the validation of no debt and the evidence of XXXX intending to defraud the Consumer, with a general adjustment to the account when they did not pay that amount to any of the 3 other parties ( consumer, XXXX XXXX, AMEX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've contacted Equifax multiple times to request the removal of an incorrect address and the update of my name on my credit profile. Despite speaking with representatives who assured me these changes would be made, they still haven't been addressed. These inaccuracies are negatively impacting my credit and need to be rectified immediately. See highlighted items that need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account but was paid on time. Consumer reporting agencies need to report all information accurately. This account has not been late on payments. I have attached a copy of my report to this complaint on the following dates : XX/XX/2023 and XX/XX/2023. I am requesting you investigate and provide verification proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to be paid on time immediately. Thank you for your understanding and prompt action.

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 2024-04-14 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account but was paid on time. Consumer reporting agencies need to report all information accurately. This account has not been late on payments. I have attached a copy of my report to this complaint on the following dates : XX/XX/2023 and XX/XX/2023. I am requesting you investigate and provide verification proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to be paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX Hard inquiry was ran without my consent on XX/XX/2024 CBNA Hard inquiry was ran without my consent on XX/XX/2024. 

I recently discovered unauthorized credit inquiries by the companies and I ask for an explanation at their earliest convenience.

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 2024-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
After debuting the letter, LVNV Funding LLC now resurgent capital services are calling threatening and send sending threatening letters to collect a debt that they refused to validate at my request and the amount. The credit limit was XXXX and I asked them to cancel card due to interest rate. No response from bank or collection agency. This violated 15 USC 1681 and 1692.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc.
State: KY

Complaint narrative:
This creditor again is threatening legal action to collect a debt. They refuse to validate the debt when requested as well as the amount. They are predatory and violate the law over and over again. Instead of answering my request, they sell it to a different collection agency. Therefore the debt is not valid and it violated 15 USC 1681abd 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I spoke with someone who said they we an ombudsman and they refused to give me the information on how to submit an official request, they refused to consider my verbal request, they refused to give me information on an appeal process and only wanted to explain what I already knew, that this is federal a loan with simple interest. 
I don't care what type of loan it is. I only care that my request for how to get information on getting interest reversed or appeal some decision I never received notice of could be filed!! How can a decision be made and final without a notice? How can someone say they are an ombudsman be so rude and not help the student loan recipient? 
I applied for the SAVE program before my son who is with a different loan servicer and they reversed his interest without being asked, AND sent him a notice that they were doing that! I XXXX XXXX XXXX  to hundreds of people a month, why can't someone be kind to me for a moment? I'm a XXXX XXXX XXXX  giving back, why aren't the Billionaires paying their fair share? A few XXXX dollars for me is food on the table, for them it's parking the 3rd jet. At their 4th mansion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: GA

Complaint narrative:
I applied for a credit card with Discovery and they denied me due to my credit history. In accordance with 12 USC 412 the request for notes is discrimination and restraint of trade and conspiracy. Due to the fact that they violated the law I as the beneficiary has been denied my credits and have given my information in trust that is a violation. I want to know how much my application was ran for and how is it that I am not allowed my securities that I applied for. The fact that Discovery having my private information and reporting on behalf of me without my consent they are holding my securities and my credits and I'm not benefiting in no type of way. I want to know how much the maximum amount of the application and who allowed them the power of attorney to do this type of theft. They are causing harmful damages to me by they're actions and I'm not benefiting from any if this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Multiple unauthorized transactions were made to my XXXX account, and I never authorized them, which led me to email XXXX to only get no response from them. I screnched every conversation to show Chase, but Chase was unable to side with me and change my claims and refill them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion is reporting an alleged collection that is not correct. I have disputed this collection account with Transunion and they stated that it was verified as accurate. I would like to know how this information was validated as accurate when I am in litigation with the creditor that XXXX XXXX XXXX is allegedly collecting for and since this is an ongoing issue reporting this information without a court ruling is a violation of my federally protected consumer rights. I would like the documents used to verify this information so I may forward it to the courts to prove I have insisted that collection and creditor is incorrect.

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 2024-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
This creditor again is threatening legal action to collect a debt. They refuse to validate the debt when requested as well as the amount. They are predatory and violate the law over and over again. Instead of answering my request, they sell it to a different collection agency. Therefore the debt is not valid and it violated 15 USC 1681abd 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
My credit file was retrieved in XX/XX/XXXX and after further investigation, inaccurate information was discovered. The Fair Credit Reporting Act 15 U.S Code 1681 relating to Inaccurate details as follows : XXXX report open XX/XX/XXXX, account # XXXX, Last verified XX/XX/XXXX, date of last activity XX/XX/XXXX, closed date XX/XX/XXXX, High balance {$17000.00}, and lasts payment XX/XX/XXXX. XXXX  report open XX/XX/XXXX, account # XXXX, No closed date reported, high balance= {$0.00}, last activity dated XX/XX/XXXX, Last payment XX/XX/XXXX. XXXX reports no account number, last activities XX/XX/XXXX, dated report XX/XX/XXXX, last payment XX/XX/XXXX. XXXX, XXXX, and XXXX are our main credit bureaus but all report inaccurate information on my credit report about the Navy Federal Credit Union Credit Card. Per Fair Credit Reporting Act 15 U.S.C 1681 which justifies the removal. Transaction history along with derogatory marks are a violation of the Fair Credit Reporting Act. By law, the statute of limitation in Maryland for a credit card to continue on your credit report is only for three years, and the Navy Federal Credit Union Headquarters is located in XXXX Virginia where the statute of limitation is only for five years. This account has been reported on my credit report for 7 years, four years over the statute of limitation in Maryland where I reside, and Two years over the NFCU Headquarters location in Virginia which justifies removal by the statute of limitations laws. Navy Federal Credit Union reports this account to the three credit bureaus XXXX, XXXX, and XXXX as charged off which is treated as income and, therefore, eligible for removal from the records. IRS regulations Laws Topic no. 431, Canceled debt. If your debt is forgiven or discharged for the amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Income is considered money received, especially regularly for work or through investments. NFCU credit card is not work or investment and by IRS law justifies removal. 

Please review the attached evidence uploaded to the file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: KY

Complaint narrative:
Again, I requested validation of the debt and the amount owed and the did not respond. They also sell off the debt to other collection companies. They try collect obscene amounts and refuse to answer what I request. They threaten and violate privacy by calling my mother and robo calling stating collection of debt. They violate 15 USC 1681abd 1692 over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: IL

Complaint narrative:
So I've been using cashapp for like 3 years now. I've been using my cash card for every purchase I've made. Until XX/XX/2024, they *RANDOMLY* took away my card, so I can't use the money in my cashapp, with my cash card which is what I always do. I've contacted support, and I'm told they escalated the case to someone higher, and i should get an email in about XXXX hours. It's now XX/XX/XXXX, and every time i reach out, they say the same copy and pasted " Replies to cases depend on the volume at which we get them ''. Even if this was true.. Which it is absolutely obviously not the case. There should never be this much lack of communication. I mean seriously.. They TOOK AWAY MY CARD I USE FOR PAYMENTS. WITH NO REASON OR EXPLANATION. Its very very frustrating and they don't care to help me or give me an explanation. I will show you below me trying to talk to them and give me information. NOTE that all of this was to no avail. A support agent on XXXX made me do a form thing to verify my account information.. I've verified it about 4 times now, and I've AGAIN just been ignored. 

All I have received from CashApp support is lies and false promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
This is concerning Portfolio Recovery About 6 months ago I got a threatening letter from PRA giving me 30 days to pay a debt or be sued. There was XXXX communication prior to receiving this letter I have no idea what this is about and it does not say who the debt is owed to other than PRA 3 months go by and I get a letter threatening to garnish my wages I haven't worked for the employer that they are listing to go after in nearly 5 years Lastly it says the debt is from 2016 I live in AZ

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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: FL

Complaint narrative:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not initiated any transaction with these companies that have been listed as inquiries. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with these inquiries for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ], I will seek actual damages which are greater than {$1000.00}. I want these items deleted off my credit reports effective immediately.Please help me delete these negative accounts on my credit reports that have been removed from my other credit reports : 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 credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. As per the Fair Credit Reporting Act of 1970, I am requesting that when responding to this dispute, you show the Method of Verification you have used in determining the accuracy of the above listed information. I do not consent to the use of E-Oscar as a verification method. I am aware that the FCRA provides you ( 30 ) days to investigate these items, and ( 15 ) days more to provide me with your findings. I do expect that you will also provide me with an updated copy of my credit report. Upon completion of your investigation, which will show any changes or the lack thereof. I expect these results to include all information requested, including your method of verification. If you are unable to comply within the confines of the FCRA, I will expect all items to be promptly deleted. I have read that you will often label a dispute as frivolous, with an accusation of the use of a credit repair company. Rest assured, I have entirely composed this letter myself, without the assistance of a credit repair company. Should I require assistance, it will be sought through an attorney, dependent on your response to this letter. Thank you very much for your cooperation. My ID has been attached as well for verification purposes.

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 2024-04-14 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-04-14 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
These inquires show on my credit report and I did not authorize for them to be done. I have provided the inquires and the date the inquiry was made. I have filed an identity theft report in order to get this resolved. 
XXXX XXXX XXXX Date : XX/XX/2023 XXXX XXXX Date : XX/XX/2023 XXXX XXXX XXXXXXXX Date : XX/XX/2023 XXXX XXXX Date : XX/XX/2023 SYNCB/TJX CO Date : XX/XX/2XXXX 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 2024-04-14 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
These inquires show on my credit report and I did not authorize for them to be done. I have provided the inquires and the date the inquiry was made. I have filed an identity theft report in order to get this resolved. 
XXXX XXXX XXXX Date : XX/XX/2023 XXXX XXXX Date : XX/XX/2023 XXXX XXXX XXXXXXXX Date : XX/XX/2023 XXXX XXXX Date : XX/XX/2023 XXXXXXXX XXXX  Date : XX/XX/2XXXX XXXX

Company response to consumer: Closed with explanation