vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
XXXX, XXXX, XXXX & OTHERS INCLUDED You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Yall are out of lawful playground. congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me, Pursuant to 15 USC 1681 ( a ) ( 1 ). JEEFERSON CAPITAL SYSTEM AND XXXX XXXX XXXX XXXX If This transaction even took place it should've been held confidential! are in violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) If this was a factual transaction ( Which you wouldnt know because you were no there ) it would in fact be a transaction that solely took place between me and the person who allegedly made this report. Pursuant to 15 USC 1681s ( d ) ( 2 ) ( a ) ( I ) it should be excluded from my consumer report. Must I remind you this the second time disputing this matter and Pursuant to 15 uS 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. Also these false & inaccurate debts should all be removed from My consumer report PERMANTLY AND DELETED pursuant to 15 us 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. **NOTICE**PLEASE RESPOND IN LAWFUL MANOR ( REMEDY INCLUDED ) LAST OF ADMINISTRATION PROCESS FEDERAL LAWSUIT WILL BE FILED!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: FL

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

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 2024-03-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Netspend Corporation
State: GA

Complaint narrative:
Ive Been trying to get access to my account Since XXXX. When I Call they are rude They hang up on me or give me a hard time as if I was the badguy I want to excersise their privacy Policy and close my 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 2024-03-12 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:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
Hello Randomly was checking my credit report and discovered that there is a collection of {$51.00} XXXX by GENESIS CREDIT MANAGEMEN out of XXXX WA for an apartment rental application fee in XXXX XXXX, CA that I never applied for and never been in XXXX XXXX, CA Please note, I never received any phone calls or letters neither from XXXX XXXX neither from Collection Company regarding the pending amount due because they had fraudulent address and fraudulent phone number for me. I discovered myself checking the credit report and calling the collection company myself and we discovered that this debt and collection is posted on my credit report due to Identity Theft and Fraudulent Activity

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On or about XX/XX/2023, check number XXXX in the amount of {$9900.00} was mailed via US Mail and made out to XXXX XXXX was apparently stolen and cashed at a XXXX XXXX  ATM machine in XXXX. XXXX XXXX  called XXXX XXXX to notify them that a check made out to XXXX XXXX was deposited by someone that does not appear to be from XXXX XXXX, and they wanted to confirm. XXXX XXXX called my office advising of this fact and I immediately called my Chase Bank on XX/XX/2023 to restrict my checking account number ending with ... XXXX and replace it with account ending with ... XXXX. Chase Bank Case number is XXXX. 

Four- and one-half months has gone by and all I keep getting from Chase Bank what the status is for the stolen check is that XXXX XXXX is not responding to chase Bank 's constant calls, emails or letters. I called XXXX XXXX, and they gave me very little information about the stolen check. Both Banks simply said to me that it could take 6 to 8 months before a decision is made. In the meantime, XXXX XXXX keeps sending me notices of payment due.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Ensuring timely payments has been my priority with this account, ensuring no instances of overdue payments. I'm puzzled by the late payment remarks appearing on my accounts, and I believe they should be corrected according to 15 USC 1666b - Billing Error.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
This account was never late and confirmed to be closed and satisfied. My credit report doesnt reflect this, the company has confirmed they need to return my security deposit and still have not

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB Corporation
State: NY

Complaint narrative:
collection account was added to credit report and I contacted company to verify if debt was mine and was only sent bill of amount due company was unable to verify my address, phone 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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS
State: CO

Complaint narrative:
I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) against LexisNexis regarding their failure to respond to my dispute. On XXXX XXXX, 2023, I mailed a dispute letter to LexisNexis to address inaccuracies in my consumer disclosure report. Specifically, I disputed inaccuracies in personal information, as well as a bankruptcy record. Despite my efforts, I have not received any results of the investigation from LexisNexis. Furthermore, I received a recent copy of my consumer disclosure report, which still reflects the inaccuracies I disputed. LexisNexis is inaccurately listing the XXXX XXXX as " XXXX, '' while PACER states " XXXX '' I am including a copy of my dispute letter sent to LexisNexis, as well as the PACER Case Summary and the section of the most recent LexisNexis report showing the public record. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies such as LexisNexis are required to respond to a consumer 's dispute within 30 days of receiving the dispute. The failure to do so is a violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: OH

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 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 2024-03-12 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: IL

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: MA

Complaint narrative:
I set up an automatic payment in the amount of {$80.00} instead they drafted the full account balance of {$870.00}. 

I called them as soon I noticed the draft on XX/XX/XXXX. I was told that I would receive a refund by more than one agent. The funds have still not been returned.

I spoke to another 3 agents today and theres s refusal to return the funds or to put in writing that they arent returning the funds.

They said they will conduct an investigationm that will take 5 more days. I asked why they didnt conduct this when I called last week.

How is it legal to not return money to someone asking for a return?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: FL

Complaint narrative:
Im giving experian 30 days before I file a claim of unfair and deceptive practices Against XXXX for firstly never sending me method of verification for the the verified accounts Also for allowing Transaction history and experiences to be reported on my credit report which is a huge violation 15 us code 1681a ( I ) I proved to you guys in my last complaint which will be sent you as support documentation XXXX will remove accounts removed non public accounts in three days of receipt of this notice If XXXX does not respond and refute this matter then that will be the contractual agreement that these accounts will be removed from credit report and I will not file a claim on experian taking you to arbitration Us department of education will be in Trouble as they never disclosed any opt out information giving me a chance to express not wanting my account to be reported on my consumer report Experian will remove accounts Two U.SXXXX DEPARTMENT OF EDUCATION Account number XXXX In the XXXX days. If experian does not refute this information in XXXX days the this notice will be accepted and enforced U.S. department education are just as guilty for not showing proof of debt validation and authorized signature for the loan

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 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This dispute is about the charge of {$7200.00} from XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, I went to the XXXX office for a consultation. At the Spa, I was diagnosed with XXXX and quoted a XXXX XXXX of {$7200.00} for XXXX XXXX XXXX. I picked the XXXX date of XX/XX/XXXX and paid for the XXXX in advance the day of the consultation using the carecredit card. The cost of {$7200.00} for the service of XXXX XXXX XXXX XXXX scheduled for a XXXX date of Fri XXXX XXXX XXXX can all be seen in the document entitled XXXX agreement. After learning of some deceptions by the provider, I cancelled the scheduled XXXX and asked for a refund. I cancelled the XXXX on XX/XX/XXXX and submitted a dispute on the same day to carecredit when the provider refused to give a refund. The fair credit billing act ( FCBA ) or 15 U.S. Code 1666 - Correction of billing errors defines billing errors as including a reflection on a statement of goods or services not accepted by the obligor or his designee. I did not go in for the XXXX XXXX XXXX As previously stated, I cancelled the XXXX which was planned for XX/XX/XXXX on XX/XX/XXXX so I did not accept the service. Therefor, the payment of {$7200.00} for XXXX XXXX XXXX XXXX as seen on my statement constitutes a billing error. I will not be making any payments whatsoever to finance a XXXX I never had and I do not intend to keep up with dispute claims any longer. Let this serve as notice of my refusal to service this debt which I do not owe. While the provider asserts that I intended to pay for the XXXX in their letter, I did indeed ultimately cancel the XXXX. I.e. I did not accept the service. The onus will be on carecredit and the provider to prove otherwise. In a previous reply to my dispute, carecredit asserts that their records indicate that services were provided to me. In this case that means their records indicate I went for the XXXX and did it. They have provided no evidence to me thus far for why they would make that assertion. 

I have also begun making plans to have my XXXX done with a different provider who does accept medical insurance and is not a scam artist like the folks at XXXX medical and Carecredit seem to be. Im attaching a summary of my recent visit to her where she clearly notes that I still have XXXX called XXXX for female XXXX XXXX in this case. I.e. that I have not undergone the reversal XXXX I was charged for.

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 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover card was lost or misplaced in XXXX or kept by vendor, and charges started appearing, which I could not yet dispute as they were pending and hadn't yet posted, and got a replacement card. There was a small chance that a second card I had authorized for my elderly aunt ( deceased ) had been kept by her granddaughter or care provider, so I checked to make sure none of them were using the card, then got back to Discover, and was told my aunt 's card had been canceled, and the fraudulent charges were definitely with my lost/stolen card. As far as I can tell, because of this delay, and because I couldn't tell exactly whether a couple local charges were fraudulent because small bodega grocery stores I patronize sometimes don't report their charges immediately, Discover doesn't seem to believe my report. But I did not make around {$800.00} in charges, both at my local XXXX XXXX, a XXXX XXXX in another town I've never ( to my knowledge ) frequented, or a grocery store in another town I've never ( to my knowledge ) been to -- with two $ XXXX charges. I have spent multiple days over several months trying to get Discover to remove the fraudulent charges, and have given up on working with them. Their advertisement -- " The Discover {$0.00} Fraud Liability Guarantee means you're never responsible for unauthorized purchases on your Discover Card account. '' -- turns out not to be true. Discover provided " proof '' from XXXX ( XXXX ) and XXXX XXXX that my stolen card was used, but no proof that I ws the one that used it. Attached are police reports and XXXX of the back and forth nonsense correspondence. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my 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 2024-03-12 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 did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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 2024-03-12 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 did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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