vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/2023 Dear Debt Collection I am writing to dispute several items on my credit report that I believe are inaccurate and have negatively impacted my credit score. I have reviewed my credit reports from all three major credit bureaus, XXXX, XXXX, and Experian, and have identified the following discrepancies : Hard inquiries, collections that were paid off, inaccurate or paid on time, etc. 

I am requesting that these items be investigated and corrected as soon as possible. These inaccuracies have caused my credit score to decrease and have also affected my ability to obtain credit and loans on favorable terms. I have attached documentation that supports my claim and am happy to provide any additional information that may be needed. 

Under the Fair Credit Reporting Act, FCRA U.S. Code 15 USC 1681c-2 I have the right to dispute inaccurate information on my credit report and request that it be corrected or removed. I expect a prompt response to my dispute and request that you notify me in writing of the results of your investigation. Please also notify any parties who have received my credit report in the past six months of the corrections made to my report.

15 U.S. code 6801 15 USC 1666 B 15 USC 1681i Thank you for your attention to this matter. 


Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
This is not my account I did not open this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  during this time. This is not my bill. I did not open this account. We never receive a bill. What address was used to open this account? I refuse to pay for something that I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
I have no knowledge of this company and would like immediately removed from my credit report Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 16815 2 company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 41

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
A few months ago, I was suddenly hit with an overdraft fee, from usaa. This was new as I had never signed up for overdraft, and if something came in towards the end of the month, it was sent back ( like say, XXXX, and it just sends you a reminder to update your payment method ). Suddenly I was hit with a XXXX XXXX overdraft fee. I complained and was told that whether or not I was enrolled, the overdraft would still be charged. I made complaints to the Texas AG, and the SEC. The next month, the account had gone back to if something came through before my compensation hit, it would just get declined. I thought nothing of it. Until tonight. Earlier this month I had planned to go to Hawaii and meet my fiance 's parents. I only have compensation so I watch my spending very carefully. As a precaution, I transferred {$400.00} from another account, before I purchased two economy tickets back. When we both returned, I transferred back {$100.00} to the account I had transferred the {$400.00} from, leaving {$60.00} to eat off of for the rest of XXXX. I had under {$3.00} in my checking account. I received an email stating that my spectrum mobile was paid and after investigating, found that USAA had overdrafted my account. So I called them, and after they tried to confuse me by saying that " I had purchased two tickets and that is when the overdraft started '' and I informed them that I had {$600.00} in there before the purchase and had transferred {$400.00} just in case, before the purchase, to make sure it went through, because my fiance and I had wanted our seats together, I didn't want the charge not to go through. So after a long wait, the associate returned to the phone and said " I was instructed to tell you this ... USAA is not responsible for the purchases on your account, unless you want to dispute the charge, and if you do not wish to dispute the charge, I am to end the phone call. '' I wished her a XXXX XXXX and hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XXXX XXXX XXXXXXXX chase bank has decided to close my account for no reason provided. 
Until this day XXXX XXXX XXXX XXXX I still do not have any explanation on why this happened and my very needed funds are still blocked, I am ok with them closing my account, since its at their discretion but not ok with them not sending my my account balance XXXX XXXX XXXX that are needed to provide to my family. This is unacceptable, especially during the XXXX. Because of the this my children wont be able to have anything for XXXX. I need your help please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
This is in response to CFPB Complaint No. XXXX 

The information you provided in your response is outdated. Per the prior compliant, XXXX XXXX has acknowledged there was a billing error and that no debt is owed. 

If you contact them today, their records would show that they are not expecting any amount owned by XXXX XXXX XXXX XXXX  but instead that they owe us money. I have reattached the email correspondence confirming that we do not owe the debt amount you have in your records. 

If you review the email correspondence you will see the following : XXXX XXXX paid a {$300.00} security deposit around XX/XX/2019 XXXX XXXX  paid an additional {$300.00} pet security deposit in XX/XX/2019. 
XXXX XXXX XXXXncorrectly only credited the pet security deposit. 
- XXXX corrected their records and stated they owned the XXXX and that a check was in the mail. 

Please contact XXXX XXXX and correct this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

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 2023-12-23 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: CA

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

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 2023-12-23 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: CA

Complaint narrative:
Four separate transactions actions were made using my debit card though XXXX for the corresponding dates and amounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I DID NOT make any of these transactions. Chase said they couldnt prove the claims were unauthorized which they were

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams, Rush & Associates, LLC
State: CA

Complaint narrative:
In XX/XX/2023 this XXXX XXXX XXXX collection came into my credit report as collection. 

I contacted my tax attorney and he sent a letter to XXXX XXXX, who was originally on my credit report. They only had my file in there system for 14 days before selling it to Williams rush and associates XXXX. 
So nothing came out of me hiring someone to help. I contacted Williams and rush they spoke to me extremely poor and sound like someone from an inner city gang was doing business from their backyard. I got absolutely nowhere with contacting them. 

I contacted the rent a center company and they assigned me to an area manager. She tried everything to help me for 6 weeks to find any proof that I owed this company any money. 
She told me the store that reported my collection is closed and they have no access to any data base. She said they dont have any access to their computers or system either. That store has a paper storage that she doesnt have access to unless theres some warrant. She wasnt able to help me with anything I dont understand how a company thats been closed can claim I owe them money not have any proof I was ever in their store or rented anything from them. 

Ive had identity theft with this company and owe this company no money. Ive never received a call from them in my life.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you. 

The FDCPA covers the collection of debts that are primarily for personal, family, or household purposes. It doesnt cover business debts, and it also doesnt generally cover collection by the original creditor or business you owed money to. Under this rule, a debt collector is presumed to violate federal law if it places telephone calls to a particular person in connection with the collection of a particular debt in either of the following circumstances. The collector calls more than seven times within seven consecutive days. Calling and emailing. The harassment is over the top

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/XXXX I deposited money into a XXXX banks ATM at XXXX using a USAA  debit card. I got an error receipt stating to contact my institution which is USAA. so on XX/XX/XXXX I filed for a case and then it got denied XX/XX/XXXX because they have no transaction but thats because my bank is USAA and not XXXX Bank who would have the transaction since its their ATM and did not contact XXXX Banks to further investigate because they dont have ATM rights. USAA told me to file a claims case with XXXX Banks but I can not do that because XXXX Banks is not affiliated with me in any sort of way besides that I used there ATM for this transaction. And under Regulation E, USAA would be the liable party to help me with filing a case and getting XXXX $ to my account since Im affiliated with them and used their card in the ATM. Since then they tell me they cant help because that dont have the ATM right but XXXX Banks also cant do anything since they dont have my identity in there institution at all. Its now XX/XX/XXXX and they keep telling me they cant help even though Im their affiliate bank and they have no way of resolving this issue in the present or future so they are going against Regulation E and being the liable party for my account and money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: OH

Complaint narrative:
Received a copy of my credit report and there's information that doesn't belong to me incorrect addresses, phone numbers and employment

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 2023-12-23 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: NJ

Complaint narrative:
I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following inaccurate address. 
XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PR 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 2023-12-23 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: NJ

Complaint narrative:
I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following inaccurate address. 
XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 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: GA

Complaint narrative:
this is a formal complaint in regards to a charged off/ Writing off accounts from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX inaccurately reporting on my credit report, I have filed disputes with Experian, XXXX and XXXX and they failed to resolve the matter, ACCORDING to15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 
15 U.S. Code 1681s2 ( A ) XXXX XXXX XXXX  A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures.

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 2023-12-23 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: NY

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX - XXXX XXXX According to 15 USC 1681i ( XXXX ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( XXXX ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681sXXXX A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if XXXX XXXX XXXX the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and XXXX XXXX XXXX  the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint.The stuff on my credit report is wrong.

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