vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: TN

Complaint narrative:
I am writing this complaint because I have not received my credit report from LEXIS NEXIS. I was told they could not verify my identity and I gave them the correct information. There is some information on there that I want to dispute but LEXIS NEXIS has not sent me my consumer report. I requested this information through their online portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX Collection XXXX XXXX XXXX XXXXXXXX Collection XXXX XXXX | XXXX Collection XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX  | XXXX Collection XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXXXXXX | XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A.

Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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 or may be inaccurate.

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 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: AZ

Complaint narrative:
I paid the debt in full and it was reported to collections and impacted my credit. The debt collector stated the debt to XXXX ( XXXX XXXX XXXX ) has been paid in full and they will request to delete the account and stop reporting to collections. 

A representative from the XXXX XXXX Credit Bureau said I HAD to upload documents here regarding this debt in order to view them as accurate because of multiple names on my account. She said I needed a to complete a Consumer Financial Protection Compliant and provide her with the CFPB Complaint number.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 explanation
Consumer complaint received 2024-03-07 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: TN

Complaint narrative:
I want to emphasize that I have no connection with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay.

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 2024-03-07 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: TN

Complaint narrative:
I want to emphasize that I have no connection with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX, I send a letter to the courthouse asking do the report bankruptcies to credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody ''. So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information, However, such information shall not include specific factual information on consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from creditor of the consumer from the consumer. They also violated my rights numerous times. The credit bureaus violated my given right 15 USC 1681. According to : 15 U.S.C. 1681 section 602 A. State I have the right to Privacy.

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 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
This letter serves as a formal notice of dispute for denial of credit for not allowing you to access my non public info and per 15 U.S. Code 1691 ( a ), ( b ) 2 It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction which is a violation per 15 U.S. Code 1. So, it is my intent to rescind the consumer credit transaction I entered on XX/XX/2024 for an open-ended line of credit involving the acquisition of the platinum credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: FL

Complaint narrative:
In accordance with 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I signed up for a XXXX XXXX XXXXXXXX payment plan for " XXXX XXXX '' XXXX treatments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. The first week XXXX XXXX XXXX I was XXXX XXXX into my XXXX XXXX treatment, I found XXXX had ceased operations ( with no communication from them ), abandoning me as a patient and breaching the payment plan contract I had signed in which they agreed to " provide services. '' I reached out to Healthcare Finance Direct, the payment processing company, multiple times stating XXXX had breached our payment plan contract and that I would like to halt payments until my contract is being serviced. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refused to continue my treatment, stating I would need to start new with them. Healthcare Finance Direct maintained that I needed to continue payments for a service I was no longer receiving or my credit would be affected. Last month, both the XXXX and HFD website stated that if you did not complete treatment, you did not need to continue payments to your account. I reached out to HFD to stop my auto payments after reading this and they continued to tell me that I needed to continue payments and would not stop my autopay as requested, despite the fact I did not receive all the products and services promised and the fact that their website 's shared conflicting information. Again, saying my credit would be affected by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: TN

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
Harassing my family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Debt collection wanted me pay for something I didnt have at all

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
XXXX XXXX I XXXX  money to my cousin. However the account closed and I called Bank Of America and request a refund. The agent didn't fulfill my request. After making a complaint to you in XXXX, BOFA decide to contact me, promising to refund my money. Only for the disrespectful agent XXXX blaming me for not getting my money back.I would really like my refund cause I want no business with the bank after being stereotype 2 time at the branch at 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 2024-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: ND

Complaint narrative:
I need to talk to someone about my student loan payment. I can not afford it and I have called numerous times, being on hold on average 1-2 hours with no-one answering the phone. I have sent two emails and no return message/call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Faloni Law Group
State: NJ

Complaint narrative:
Last month I received notice I was being sued by Faloni Law Group, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NJ XXXX, for two XXXX XXXXXXXX credit cards. ON XX/XX/2024I sent a letter by certified mail to the Faloni Law Group indicating I would like to do a payment plan. I informed of my financial situation and offered amount that I would be able to pay every month. The law firm received my letter on XX/XX/2024. 
As of this date they have not to responded my letter. I sent a second letter by regular mail on XX/XX/2024. I do not understand how they can sue me and refuse to communicate with me Faloni Law Group : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: NV

Complaint narrative:
A dispute was filed on behalf of my company XXXX XXXX XXXX. A letter came back in my favor XXXX XXXX saying the credit was permanent. In regards to the dispute the fees that were associated with every one of those charges were not reversed in turn using my money to cover the associated fees for all 34 of the charges associated that were reversed. Chase bank has not been pro active in fixing the situation in a timely order and I have been treated unfairly causing financial difficulty. As well confusion with business associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: TN

Complaint narrative:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MS SERVICES LLC
State: WY

Complaint narrative:
I was contacted a couple of weeks ago by MS Services about a debt that they had acquired. The lady was horribly ignorant, wouldnt listen to anything I was trying to say, and threatened that I would be taken to court and there would be a large negative impact on my credit. I have been unable to work for the past XXXX months for health issues, and she called me again today demanding that I pay immediately and I have NO options for payment plans. I tried explaining I could make some kind of payment on the XXXX when my significant other gets her check, but she wouldnt accept anything other than half the supposed debt. I never even received anything in the mail about this. She instructed to have my significant other call her, and when she did, the lady was horrible again and demanded that she give her her account and routing number, and when my significant other stated that she wasnt comfortable giving that information, she yelled at her to get ahold of me and make sure to let me know that my own significant other couldnt help me and said GOOD LUCK! And hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: VA

Complaint narrative:
XX/XX/XXXX I received a notification saying a charge was declined in the amount of XXXX at a XXXX was this you yes or no I answered no, then a notification says chime customer will call. They did I answered. While they are closing the account another notification came through saying a transaction was declined at target for XXXX, while I'm on phone with chime customer support. They assured me everything was fine my account is being monitored being that I just received this card due to fraud on my old card where someone tried to order online from the XXXX XXXX XXXX. I was told that all the transactions were out of state and the retailers were being blocked from further transactions.later on I checked my account and XXXX $ I had in checking was gone and I was negative XXXX $ XXXX filed a dispute and asked how was my new card used in XXXX XXXX Florida , and Georgia , I live in XXXX XXXX Va XXXX they said file dispute and they would see that my funds were refunded. I received an email 3 days later saying the closed the dispute and my monies would not be refunded. How can I be helped when it clearly shows fraud on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: PA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX for their violation of consumer protection laws in relation to fradulent debt collection practices. Recently, an item appeared on my credit report indicating an outstanding debt previously owned by Afni, which was originally associated with XXXX. 

It is pertinent to note that I have previously disputed this account, which was originally owned by XXXX, with Afni and submitted a report to the CFPB in 2023. As a result of my dispute and your intervention, the account was rightfully deleted from all three major credit bureaus including XXXX, XXXX and XXXX. 

However, to my dismay, the same account, now in the amount of {$2000.00}, has resurfaced on my credit report, this time under the ownership of XXXX XXXX XXXX. This action not only violates the Fair Credit Reporting Act ( FCRA ) but also breaches the Fair Debt Collection Practices Act. 

Furthermore, the pursuit of this fraudulent debt by XXXX XXXX XXXX constitutes a violation of my rights under the Fair Debt Collection Practices Act. 

I am enclosing a copy of the Federal Trade Commission report detailing the fraudulent nature for your reference. 

I urge the Consumer Financial Protection Bureau to promptly investigate this matter and take necessary actions against XXXX XXXX XXXX to ensure compliance with consumer protection laws and to rectify the damage caused by their unlawful actions. 

This item needs to be deleted from all three bureaus immediately so that I can utilize my rights to obtain other credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX, I send a letter to the courthouse asking do the report bankruptcies to credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody ''. So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information, However, such information shall not include specific factual information on consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from creditor of the consumer from the consumer. They also violated my rights numerous times. The credit bureaus violated my given right XXXX5 USC 1681. According to : 15 U.S.C. 1681 section 602 A. State I have the right to Privacy.

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