vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-25 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:
In accordance with the fair credit reporting act this creditor has violated my rights. In accordance to 15 USC 1681 section 602, It states that i have the rights to privacy it also states in section 604-A section 2 consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666-B a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late on an account for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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 am a natural person, I am a living human being, I have rights under the 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I requested my 1099-c from this company that was cancelled debt. This company is reporting cancelled debt to my consumer report. This is a clear violation of 15 usc 1692s-2. Ive put them on notice that income cant be reported to a consumer report and they are reporting inaccurate information. They havent send me the 1099-c form that I requested to file my taxes properly. They are committing tax fraud!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: VA

Complaint narrative:
Experian.com lowered my fico score XXXX points, and I have no idea why. I haven't had any late payments, no hard inquires, the same XXXX credit cards for years., and I've banked at XXXX XXXX XXXX for XXXX years. Apparently, these clowns think you should have credit cards, but if you use them they lower your fico score.

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 2023-11-25 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: NY

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX Truist called me to inform me they detected XXXX {$1.00} charges charged to my credit card. I informed Truist I did not make those. Truist informed me they would remove those {$1.00} charges from my account, which they did. They cancelled my current card and reissued a new card. Did not receive my statement for billing cycle XXXX. 

XX/XX/23 When I checked my statement on line, I noticed XXXX XXXX charges charged to my old credit card on XXXX totaling {$1100.00}, which I did not authorize. I contacted Truist and advised them that these were also fraudulent charges. They told me they would investigate and have it resolved within XXXX billing cycles. 

I called Truist on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23 and XX/XX/23. It has already been XXXX billing cycles and no resolution. I am incurring late fees and interest charges. I am also getting delinquent calls from Truist.

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 2023-11-25 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: GA

Complaint narrative:
I requested my 1099-c from this company that was cancelled debt. This company is reporting cancelled debt to my consumer report. This is a clear violation of 15 usc 1692s-2. Ive put them on notice that income cant be reported to a consumer report and they are reporting inaccurate information. They havent send me the 1099-c form that I requested to file my taxes properly. They are committing tax 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
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I requested my 1099-c from this company that was cancelled debt. This company is reporting cancelled debt to my consumer report. This is a clear violation of 15 usc 1692s-2. Ive put them on notice that income cant be reported to a consumer report and they are reporting inaccurate information. They havent send me the 1099-c form that I requested to file my taxes properly. They are committing tax fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
PORTFOLIO RECOVERY IS IN VIOLATION AND A SERIOUS BREACH OF TRUST AND HAS VIOLATED MY CONSUMER RIGHTS AND VIOLATED CONSUMER LAWS. YOU HAVE VIOLATED THE TRUTH AND LENDING ACT AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU HAVE YET SHOWN ME PROOF OF WET INK SIGNATURE, PROOF CONTRACT WHICH HAS TO BE NOTARIZED ( JURAT ) AND HAS TO HAVE 2 WITNESSES THERE AT THE TIME OF THE CONTRACT BEING LEGAL BIDING CONTRACT. PROOF THAT YOU STOLE MY SSN MAKING THIS IDENTITY THEFT 18 USC 1028 A. PROVE TO ME THAT I DID ANY BUSINESS WITH THIS COMPANY. THIS COMPANY STOLE MY IDENTITY AND MY SSN. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: GA

Complaint narrative:
On XX/XX/2023, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt. 

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2023-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My business account overdraft fees from chase bank business checking account XX/XX/2023 OVERDRAFT FEE FOR A {$32.00} ITEM - DETAILS : ORIG CO NAME : XXXX XXXX ID : XXXX XXXX XXXX CO ENTRY DESCR : XXXX XXXX XXXX : WEB TRACE # XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX NAME : XXXX XXXX XXXX Fee - {$34.00} - {$270.00} XX/XX/2023 OVERDRAFT FEE FOR A {$13.00} CARD PURCHASE - DETAILS : XXXX XXXX  # XXXX https : XXXX. MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fee - {$34.00} - {$240.00} XX/XX/2023 OVERDRAFT FEE FOR A {$12.00} CARD PURCHASE - DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Fee - {$34.00} - {$200.00} XX/XX/2023 OVERDRAFT FEE FOR A {$11.00} CARD PURCHASE - DETAILS : XXXX # XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Fee - {$34.00} - {$170.00} XX/XX/2023 OVERDRAFT FEE FOR A {$76.00} CARD PURCHASE - DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fee - {$34.00} - {$270.00} My Personal account overdraft fees from chase personal business account XX/XX/2023 OVERDRAFT FEE FOR A {$14.00} ITEM - DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX WEB ID : XXXX Fee - {$34.00} - {$230.00} XX/XX/2023 OVERDRAFT FEE FOR A {$50.00} ITEM - DETAILS : XXXX XXXX XXXX PAYMENT XXXX ID : XXXX Fee - {$34.00} - {$190.00} XX/XX/2023 OVERDRAFT FEE FOR A {$150.00} ITEM - DETAILS : XXXX XXXX WEB ID : XXXX Fee - {$34.00} - {$160.00} XX/XX/2023 OVERDRAFT FEE FOR A {$80.00} RECURRING CARD PURCHASE - DETAILS : XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Fee - {$34.00} - {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: ID

Complaint narrative:
I have called numerous times and talked to several different customer service representatives inquiring about numerous re-occuring negative balances in both my checking and savings accounts. When I signed up for a savings I asked that they would do a transfer of {$250.00} from my automatic check deposits every two weeks the day they are posted to my savings. Every two weeks there is no {$250.00} deposit in my savings account so I am having to manually put it in. Then my account is popping up with a reoccurring negative balance of {$250.00} at least twice a month, and I'm being charged the daily negative balance fee on top of this. Plus interest according to what the lady just told me on the phone. She claimed that the {$250.00} is refunded the next day but I'm not seeing this in my account. I pulled up every bank statement since May and wrote down the month and dats in which my account was in a negative balance. On every occasion that I was finally at a positive balance was when I had a paycheck deposited and they took that money to make my account positive as well as having to borrow money from others to bring my account positive. They are also taking money from my savings account when I do put money in there to cover the negative in my checking account against my wishes. I added up every reoccurring negative amount since May and added it all up and it comes out to {$4400.00} there has been so many occasions as I told the lady that I make purchases and check my account and the money has been removed for that purchase, but then roughly a week sometimes more later that money will show up as pending and comes out and I am in a negative balance again which they charge me daily for not having money. I asked the lady in XXXX how much is required in the accounts and she said any amount. But then they are charging me? Ive went over statements with a few of my family members in case perhaps I was missing something and they said same thing it just is not making sense or adding up. I'm not getting the {$250.00} in my account. I'm out almost {$4500.00} to date and I'm very upset I'm a XXXX mother of XXXX XXXX I work full time and half my paychecks are going to the bank.

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 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
i have received my disclosure from XXXX and XXXX XXXXXXXX said it comes back verified as accurate when the issue is XXXX doesn't have a bankruptcy listed under my report as it was deleted for unverifiable information, the address on the bankruptcy is not my address as my student lease was somewhere else, it also says not represented by attorney, but yet it shows attorney XXXX XXXX XXXX. also i contacted the XXXX XXXX court/ XXXX XXXX  and they all said they cant verify the information as none of them share with XXXX parties so XXXX lied.

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 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: UT

Complaint narrative:
i have received my disclosure from LexisNexis and XXXX, XXXX said it comes back verified as accurate when the issue is LexisNexis doesn't have a bankruptcy listed under my report as it was deleted for unverifiable information, the address on the bankruptcy is not my address as my student lease was somewhere else, it also says not represented by attorney, but yet it shows attorney XXXX XXXX XXXX. also i contacted the XXXX XXXX court/ LexisNexis/ XXXX and they all said they cant verify the information as none of them share with XXXX parties so XXXX lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: TN

Complaint narrative:
I am a victim of a severe form of XXXX XXXX pursuant to the final rule on XXXX XXXX. On XX/XX/ I put in a request to have inquiries blocked due to adverse information being reported due to a severe form of XXXX XXXX on XX/XX/ they sent me a XXXX email stating " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY ''. They are violating my right to privacy. I have not recieved any prior notice about anything being reported on my credit report nor have gave my expressed, written or verbal consent for anyone to post any thing to my credit report. As well as violated my rights to opt out as well.This is a Civil liability for willful noncompliance pursuant to 15 U.S. Code 1681n.I am seeking {$1000.00} per violation commited by Equifax during them entire lifetime of them accessing my credit profile, Plus damages and a full financial disclosure, Accounting, Book-keeping entries for the name XXXX XXXX because I am aware you sell people information and I would like my cut on what you make on that as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I am writing to express my deep concern and disappointment regarding the denial of the Equifax Data Breach SettlemenXXXX. The repercussions of this denial not only affect the affected consumers but also raise significant questions about accountability and justice in cases of data breaches. 

I am writing to express my deep concern and disappointment regarding Equifax Data Breach Settlement, filed on XX/XX/2023 and no response as of today. Despite my clear evidence and confirmation that my personal information was impacted by the data breach, my claim was denied on the basis of not being a member. 

The Equifax Data Breach had severe consequences, resulting in the exposure of sensitive personal data, including mine, which subsequently appeared on the dark web. 

This negligence has exposed me to potential identity theft and financial risks, highlighting the substantial impact on individuals whose data was compromised. 
I firmly believe that the denial of my claim overlooks the essence of the settlement, which was intended to provide restitution to individuals whose personal information was compromised due to Equifax 's negligence. My direct exposure to the dark web due to the breach confirms the impact on my personal information. 

I appreciate your prompt attention to this matter and request a reconsideration of my claim in light of the undeniable impact the breach had on my personal information. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
A while back I thought emails regarding a chase bank XXXX XXXX were spam emails. However, sat XX/XX/23 I received a new XXXX account and XXXX  in my mail. I called chase to ask about this request and who ordered it. No information was given

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-11-25 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-11-25 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: NC

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: NC

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is 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