vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and XXXX XXXX XXXX XXXX  have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account ( s ) from all three credit reporting agencies due to the violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.

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 2024-06-02 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:
I did not apply for credit nor give consent for my information to be used, therefore these are fraudulent opened by someone using my identity and reporting it is a violation of the FCRA. I didn't enroll or apply for this. 
This is a violation of my consumer rights under 15 USC 1681b. I never gave consent to this being reported, therefore it is identity theft and under 15 USC 1681 c-1 and per 15 USC 1681 c-2 any item identified as identity theft must be deleted and blocked. SEE ATTACHMENTS

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 2024-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
Out of a sudden, BECU sent me emails saying that my accounts had been suspended specially the service with XXXX. 
All my 6 accounts were suspended then I called them and had been informed that one of the guys in the last few days filed for a fraud for one of the transfers which is XXXX XXXX 
I told them that I guess but not sure if he bought something but it could be relevant to crypto or so because I am not sure about his name then I double checked and told them that he wasn't since then. They told me that my accounts will go for investigation and since this moment my accounts all are in investigation more than a month. 
Whenever I call to check what the investigation status is, they turn to be rude and aggressive and keep saying they are still running and investigation even when they assured that it won't take more than 10 days. 
My balance on these accounts are held and there is no information if they are going to release or not. so they literally took it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
the bank is suing me for returning product to Amazon and no credit received, I FILED XXXX COMPLAINTS ON THE BANK FOR REFUSING TO GIVE ME MY CREDIT FOR RETURNED ITEMS TO AMAZON

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 monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: FL

Complaint narrative:
On XX/XX/XXXX, Juno froze access to my checking account ( held through XXXX or XXXX ). I have {$120000.00} in this checking account that I do not have access to. I have not had access to this money since XX/XX/XXXX. Please note that while Juno has cryptocurrency services, I did not use any of those services ; I have not purchased or sold cryptocurrency through Juno. I have only used the checking account service, which Juno indicated was held at an FDIC-insured bank. I have called and emailed Juno. The customer service people I spoke to said that this was an issue with XXXX and XXXX and that they were unable to give me back access to my funds. I have also tried calling XXXX, but XXXX said the issue is with XXXX. I have been unable to contact XXXX. I understand that a XXXX affiliate is currently in bankruptcy. Juno said my funds are held with either XXXX or a XXXX  affiliate that is not in bankruptcy. Either way, I haven't had access to {$120000.00} for 3 weeks. I have already been late on an automatic credit card payment that was funded from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: CT

Complaint narrative:
Inquiries : XXXX, Transunion, XXXX Reports I have attached 2 FTC Reports with all if the listed Inquiries on my credit reports. 
My credit was pulled without my knowledge or authorization on the dates listed

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 2024-06-02 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: CT

Complaint narrative:
Inquiries : XXXX, XXXX, Experian Reports I have attached 2 FTC Reports with all if the listed Inquiries on my credit reports. 
My credit was pulled without my knowledge or authorization on the dates listed

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 2024-06-02 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Basically I was gifted an American Express Gift Card it's value is {$80.00}, I can not purchase anything with the card with any of the sites I've attempted. Honestly false advertising to say that it works with most sites, because it is a blatant lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: TX

Complaint narrative:
This account was charged off XX/XX/2023. Since then, the account has REPEADELY been updated as charged off every month. This is an update in the payment history that still has not been changed. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account property and your neglect has violated my rights. I am demanding a DELETION of the following account : XXXX XXXXXXXX XXXX XXXXXXXX, Account number 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 2024-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and XXXX XXXX XXXX XXXX have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account ( s ) from all three credit reporting agencies due to the violations : ACIMA DIGITAL FKA SIMP - XXXX If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: CA

Complaint narrative:
first i filed a dispute with experian after i saw XXXX XXXX XXXX XXXX reported that i had a checking account with them that closed with a negative balance. i filed identity theft report with XXXX and submitted the report to Experian demanding they remove the negative information as it was not my account but was done by someone who used my information. i submitted all requested documents verifying my identity also, they denied my dispute saying that i profited from this account. so i disputed again on the basis that the account was also not any sort of account that involved the issuance of credit or the agreement to pay money, nor was there ever any money lent. the account was said to have been closed by the bank with a negative balance, but the checking accounts negative balance was never attempted to be collected by any collection agency, or the bank. the bank just closed it and sent experian a report that i owed just short of {$8000.00}. the experian report shows this as a closed account with 4 months of on time payments and 2 months of overdue payments. as this is false information. a checking account is not a account that has any payment schedule arrangments, and since it was never sent to collection agencies for an attempt to collect a debt, it can not be placed on my credit file as a negative credit account.

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 2024-06-02 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: OR

Complaint narrative:
I called and they looked for my SSN and told me that I did not have an account with them. I reported to Equifax and I was sent an email from Equifax that information report was accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
Ally Financial, sold my loan to their inhouse repossession and the repossession department sent a tow truck to my driveway which is a violation of the state law of Massachusetts. Breach of Peace. The tow driver disrupted the peace late at night. The driver put my vehicle on his tow truck pulling it without a flatbed causing damage to my under XXXX XXXX XXXX XXXX. The local police department had to come and inform them of the law and they were forced to leave my vehicle in the driveway. I did not receive a notice stating Rights of Defaulting Buyer under the Massachusetts Motor Vehicle Installment Sales Act therefore I was not given the proper and legal notification. I advised Ally Financial of the incident. They refuse to allow me to resume making payments and refuse to sign the title to me. The car is sitting in my driveway damaged and undriveable.

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 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting a closed account the creditor is XXXX for the amount of {$100.00} since XX/XX/XXXX ' I reached out to the creditor throughout the year and they couldn't confirm the debt nor have me their system. Therefore I disputed this closed account with a Experian advising them I reached out to them personally and they'e stating they couldn't locate me their system. How I have find it funny Experian will always come back with their investigation with " Verified '' with no proof for me the consumer! 
I then took the initiative to do my investigation and found the XXXX party that the debt was sold to, by the name of XXXX! The debt has been paid in full as of XX/XX/year>. I then called XXXX to let know how poor of reporting to the credit bureaus and this debt has been paid in full and delete from my CREDIT REPORT ASAP. They said I needed to reach out to Experian to remove it. I filed the a dispute XXXX XXXXXXXX last week detailed XXXX and as of today XXXX they state " REMAINS '' the company which XXXX states it '' XXXX accurate! How is that when I spoke with someone from XXXX notfifying them the debt was paid in full they confirmed it also by the XXXX XXXX XXXX on that same day! This is illegal and both parties Experian and XXXX to do whats right for the consumer! I will attached my proof paid debt.

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 2024-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Debt came back verified but without any documentations. 
Falsely reporting on my credit reports without my consent Debt was charged off and counted as earned income on taxes

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: FL

Complaint narrative:
I have a serious issue that needs to rectified with XXXX XXXX. This company charged of this account on my credit report but its still reporting a balance of XXXX. That is against the law. A company can't charge off an account and still report a balance on the account. This is against the law. The company name is XXXX XXXX account number is XXXX and the balance they have on the account is {$9300.00}.

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 2024-06-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account was charged off XX/XX/year>. Since then, the account has REPEADELY been updated as charged off every month. This is an update in the payment history that still has not been changed. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account property and your neglect has violated my rights. I am demanding a DELETION of the following account : XXXX XXXX XXXX XXXXXXXX, Account number 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 2024-06-03 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:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I disputed on all three credit companys and they are saying that their information is correct. It is being reported on my credit and I do not have any accounts with Wells Fargo credit cards. How ever is using my SSN is ruining my credit. Please help. This now to me 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
Consumer complaint received 2024-06-03 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-06-02 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( XXXX ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 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 2024-06-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$990.00} XXXX XXXXXXXX XXXX XX/XX/year>

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