vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Harley Davidson Financial Services Inc
State: MD

Complaint narrative:
Under law 15 U.S. C 1681I am very concerned because my credit reports are showing discrepancies. I am very concerned consumer and only want true information about me reporting. Please remove this inaccurate information as you are in violation After reviewing my credit profile on XXXX I identify a discrepancy with account I did not recognize. I reviewed my credit again XXXX and the account continues to reflect on my credit report and I have not received any correspondence from the creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XXXX there has been no updates and account is still reflecting on the report. I do not believe that the creditor has authorization to access that account nor authorization to collect on the account and the account negatively affects me. Please strike and remove this account from 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Your office is in violation of my consumer report given to me by congress as s federally protected consumer. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer it has come to my attention that your office ( Transunion, XXXX and XXXX ) have again violated my privacy. 15 USC 1681 ( a ) ( 4 ). The information that has been reported on my credit report is inaccurate and is a result of fraud. This inaccurate information is causing significant harm to my credit score, and is preventing me from obtaining credit and loans at favorable rates. I am requesting that this information be removed from my credit report as soon as possible. I have previously disputed this information with the credit reporting agencies last year, but they have refused to act on this matter. I have since pulled another report with them this year, and the inaccurate information is still being unjustly reported under the law. Despite my repeated attempts to get this issue resolved, the credit reporting agencies have failed to provide me with any contract that bears my wet signature as required by federal law. I am requesting that the following information be removed from my credit report as soon as possible. 

Transunion : XXXX XXXXXXXX # XXXX, Date Opened XX/XX/XXXX, In the amount of {$2900.00}. 
XXXX XXXX XXXXXXXX, Date Opened XX/XX/XXXX, In the amount of {$3900.00}. 
XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX, In the amount of {$140.00} XXXX XXXX XXXX, Date Opened XX/XX/XXXX, In the amount of {$2100.00}. 

XXXX : XXXX XXXX  # XXXX, Date Opened XX/XX/XXXX, In the amount of {$2700.00}. 
XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, In the amount of {$140.00} XXXX XXXX XXXXXXXX, Date Opened, XX/XX/XXXX, In the amount of {$2100.00}. 
Unauthorized Hard Inquiries : XXXXXXXX XXXX  on XX/XX/XXXX and again on XX/XX/XXXX XXXX : XXXX XXXX # XXXX, Date Opened XX/XX/XXXX, In the amount of {$2900.00}. 
XXXX # XXXX, Date Opened XX/XX/XXXX, In the amoint of {$0.00}. 
XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX In the amount of {$3900.00}.

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 non-monetary relief
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
CFPB XXXX closed this account without resolving this with Equifax. Equifax is NOT releasing me from this account even though it has been resolved and closed, with a XXXX balance. I would like your help on how can this matter that has been resolved be active. The following agencies, XXXX and XXXX, have updated the information correctly with a XXXX balance, and they are not defaming my credit, only Equifax. This doesn't seem to be good on credit, and I am asking you to do the right thing, so the information is cleared with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
Bank Of America XXXX XXXX XXXX XXXX FL XXXX Phone Number XXXX XXXX XXXX Account ending in XXXX I'm filing a complaint due to reason be suspected fraud activity with this account an it being closed an settled in full I want it removed from my report because I didn't commit any kind of fraud at all.. I never wrote a check on the account or anything an it got closed without my knowledge..

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 2023-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
FirstPoint Collection Resources , Inc just sent me a collection letter with the reference number of XXXX and they claim that I owe this debt as of XX/XX/XXXX for {$40.00} to XXXX XXXX XXXX XXXX  XXXX XXXX so I dont know what theyre talking about because I never had a citation about any of my animals and this needs dropped. The citation number for XXXX, XXXX XXXX XXXX XXXXl is XXXX XXXX XXXX. I was deemed XXXX in XX/XX/XXXX so I dont know how I couldve had a citation and I dont remember anything. I truly tell you this. I am starting a new job on Monday because I havent worked in XXXX years and its for minimum wage at home. I have NEVER heard about this until now & Im not paying for something I DO NOT OWE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance to the fair credit reporting ( FCRA ) act Equifax has violated my rights in pursuant to 15 USC 1681 section 602 A states I have the right to privacy. Also violated 15 USC 1681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written or oral consent/instructions. The FCRA is a federal law that regulates credit reporting agencies and compels them to insure the information they gather and distribute is fair and accurate. Equifax is inconsistent with several accounts across the three credit reporting agencies and the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

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. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 2023-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I tried to buy a bicycle from this ad https : XXXX. The owner of the bicycle asked me to move the conversation over the phone, which we did. His number, which is now not in service anymore was XXXX XXXX. So I made two payments via XXXX to an email address XXXX. I made a payment for XXXX USD and another one XXXX USD on the XXXX and the XXXX of XXXX. So in total XXXX USD for the bike and another XXXX for transportation from FL to NY. After the payments were processed, the number became out of service. I called the bank, and they said there is nothing they can do. I would really like to recover my money, if at all possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, 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:
After many tries to deal with this situation directly with the companies and credit bureaus to no avail, Im submitting this complaint in accordance with the Fair Credit Reporting Act These accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX ending in XXXX Account name : XXXX  XXXX # XXXX ending in XXXX Account name : XXXX XXXX  # XXXX ending in XXXX Account name : XXXX # XXXX ending in XXXX Account name : XXXX # XXXX ending in XXXX Account name : XXXX # XXXX ending in XXXX Account name : XXXX # XXXX Account XXXX : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX *The above numbers may differ from actual records 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 States a consumer reporting agency can not furnish an account with my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information, 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 ) states a person shall not furnish any information relating to a 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 2023-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
We had a credit card with Aspire, which we had paid off the entire balance of in XXXX of XXXX. Following the fulfillment of this payment, we called and then cancelled the credit card in the same month, seeing as we did not want to continue with the card. After a report from XXXX, we learned that Aspire had reported a 30 day late payment on the card ; which not only damaged our credit reports, but also was not communicated to us in any way, shape or form. We called Aspire as soon as possible, and spoke to a XXXX XXXX in the collection department. XXXX then claimed that this {$39.00} dollar fee was an annual renewal fee, having not been informed of this charge ; as previously stated, we did not act on it. This then, when added with late fees that we did not charge, totaled to {$130.00}. Additionally, there is the fact that the card was cancelled in XXXX of last year. XXXX attempted to have us pay the balance off, however, as we stated the card was cancelled 5 months prior, and we had not made any purchases or charges on the card, which has been destroyed following its cancellation. After speaking with XXXX for approximately 30 minutes on XX/XX/XXXX, we ended up speaking to their supervisor, XXXX XXXX. XXXX XXXX is sending this to the resolution department to have the fees removed from the account and to make another attempt to close the account. While this is a part of the issue, the main concern is the fact that this is now displaying as 30 days late on my credit report and the removal of this occurrence from the report is my utmost priority. I had been told by both XXXX and XXXX that this is not a guarantee, which is unacceptable, given that the balance on the account was not of our doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX  & TRANSUNION LLC are willfully neglecting and non compliant and continues to furnish Previously Disputed account items for inaccurate inconsistent unauthorized information on my Consumer Report. 2 US DEPARTMENT OF EDUCATION accounts begin in COLLECTIONS then Falsely OPEN showing {$0.00} PAYMENT RECEIVED yet CURRENT ; PAID or PAYING as AGREED. WHICH IS INACCURATE FALSE INFORMATION. ALSO SHOWS INACCURATE INCONSISTENT BALANCES, DATES OPENED & DATES UPDATED ON SEPARATE FILES SENT VERIFIED AS ACCURATE DISPUTED ITEMS ON THE SAME DATE. XX/XX/2023 Congress STATES the OBLIGATION for 100 % ACCURACY, PRIVACY and EXCLUSIONS FROM CONSUMER REPORTS

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 2023-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
The PayPal Credit Account I have had for some time has changed over to Synchrony Bank, and since this occurrence, they do not allow any grace period in making payments to my account. I bill is due on the XXXX of the XXXX, and I paid it on the XXXX. But it was not posted until the XXXX. I was charged an excessive amount for a late fee of {$41.00} on the XXXX. I don't think it is fair to any consumer to have to pay late fees in such amounts that it is almost half your monthly payment amount. This business practice keeps the consumer in debt to the merchant, affects their credit ratings with late fees, and does not consider giving any additional time 3-5 days at least for the debtor to pay their bill monthly or otherwise. Debt Collectors are making nothing more than more profits in keeping the Consumer in debt to them by adding excessive late fees which add on to the interest balances on any 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 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX is reporting an account twice contradicting the XXXX XXXX they have been receiving from the US Dept of Education. I have a copy of the XXXX  the US Dept of Edu sent to XXXX from XX/XX/XXXX US Dept of Edu entered me into the XXXX XXXX XXXX which erases any and ALL negative reporting of all accounts. The US Dept of Edu provided XXXX an XXXX  back in XXXX of XXXX to update all accounts as being paid and remove all negative information, However, XXXX continues to report a US Dept of Edu account opened on XX/XX/XXXX with a balance of {$36000.00}. This account has NO account number reported because it is actually a combination of all the other 19 US Dept of EDU ACCOUNTS REPORTING as paid and in good standing. I recently sued XXXX for the same thing and won, I sued the Dept of Edu and won and now I am suing XXXX. The lawsuit was filed on XX/XX/XXXX and I can not wait to get them in court. 

Further, THe Dept of Edu is reporting all 19 other student loan accounts opened on XX/XX/XXXX. Not Accurate. These accounts were all opened between XXXX through XXXX. Once the dept of Edu transferred them to another department they re-aged all my accounts. Again I never opened any US Dept of Edu account on XX/XX/XXXX. Further, I never opened any US Dept accounts in XXXX, XXXX. 

This is the 5th time I am disputing this incorrect information. I am requesting documented proof I opened any US Dept of Edu account anytime in XXXX. Otherwise all these accounts MUST be deleted. 
I have attached the loan information directly from the FAFSA website confirming the dates I opened each loan. Which proves without doubt the date reporting opened of XX/XX/XXXX is INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX violated my rights 15 U.S.C 1681 section 602 a States I have a right to privacy.

15 U.S.C 1681 section 604a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, 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: SC

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 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 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, 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: SC

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 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