vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the documents? Several of the accounts listed appear to be incorrect, causing me some unease.

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 2024-03-22 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: ID

Complaint narrative:
I am writing to dispute information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in investigating and resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: NY

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

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 2024-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
So I open a new account wit sifi bank. After a couple of weeks I start having problems with an authorized transactions, So I contact them to inform them about the inattorized transactions on my account, They close my card and issue a new, So then. 
Without without any explanation, they proceed to close and freeze my account. Supposedly supposedly because I have violated the company policies which I have no idea. What are they talking about? The only thing they told me it was that because I deposit a check that apparently was fraudulent. So I contacted them to notify them. It wasn't me. The person deposited that check. I explained them. That XXXX is been missing in the neighborhood lately. And that's some of my personal information was also stolen. I even have a police report for that. So I contact XXXX to explain them that it wasn't me. The person who was using my account so that I have no idea about the check. They're mentioned but they didn't listen to me. And they just frost my account and They Refuse to gave me my money from the balance of my acfor the disputed XXXX sections and I still haven't got nothing.It 's been more than two and a half months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX an " Annual Fee '' of {$49.00} was charged on a CLOSED account. On XX/XX/XXXX an " Account Management Fee '' of {$12.00} was charged on a CLOSED account. On XX/XX/XXXX a " Late Payment Charge '' of {$41.00} was charged on a CLOSED account. The XX/XX/XXXX Statement shows " Past Due Amount '' of {$120.00} and a " Minimum Payment Due '' on XX/XX/XXXX of {$220.00} on a CLOSED account. 

This is my last attempt at getting these fees/minimum payment issues resolved with Aspire. I will be filing a small claims against them on XX/XX/XXXX if these issues are not resolved in the next week. Aspire is strong arming me into paying the balance on a CLOSED account and being unreasonable about amount due. 

And now they have reported my CLOSED account to XXXX as " Past Due. '' They need to STOP. 

Unfortunately, I am unable to attach the XX/XX/XXXX Statement showing all these discrepancies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I was contacted by a debt collector regarding an apartment I toured. I refused payment to debt due to inaccuracy of my address due to their tatics and errors to collect transactions all while refusing to properly breakdown and validate the debt. I spoke with an agent 1 whom was helpful in understanding of the information provided and agreed it should be removed. I uploaded the requested proof and the case was supposed to be investigated and removed. I was then contacted by another agent whom did not check his emails to see the provided proof due to me uploading the documents on Sat and the agent did not see it because He did not work Sunday so he did not notice it. This caused miscommunication in which the agent became very rude, misinformed about the emails that they sent, refusing to acknowledge my current home address and admitting to sending the notice of debt collection warning mail to their own address so I would not be able to know it existed. He refuse to communicate properly & pushed for a transaction, became frustrated in which he screamed and became rude during the conversation and was not aware nor did he pull up the proof of documents I had provided based on the last conversation with another agent of their company. He then hung up the phone causing me to call another agent who was polite and explained to me that it was an honest error on their part yet and mis communication within their company but Its Big Corporation against little consumer he stated that its best to just pay it even though it he knows it was improperly communicated, filed, and debt. He also provided me with inaccurate dates in which the credit will report to my credit date to push for me to pay it in which it never did. They have violated my rights with the inaccuracy & fairness according to 15 U.S. Code 1681 as well as my rights to communication 15 U.S. Code 1692c - Communication in connection with debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: MI

Complaint narrative:
Experian Credit Bureau continues to violate my consumer rights by reporting XXXX XXXX on my credit report as a charge off. I have no knowledge of this account. I have continually disputed this account with Experian.

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 2024-03-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: VA

Complaint narrative:
This involves myprepaidcenter.com. I received 2 prepaid cards in class action lawsuits, one for {$4.00} XXXX and the other {$7.00}. I've tried to use them numerous places, but no one takes them in store because there isn't a QR code. The website lists a few limited places you can use online but they don't work with those limited places either. This is a fraud cause the company gets windfall due to inability to use the cards. I just want my settlement money!!! And now none of their customer service numbers work. FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: VA

Complaint narrative:
I received a called from a debt collection company about a bill from XXXX from XXXX. I do recall having an account and if so I did filed for bankruptcy. JEFFERSON CAPITAL SYST Company : JEFFERSON CAPITAL SYST Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/XXXX Balance : {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-22 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
About a week ago I received a random text message from this girl named XXXX. I told her wrong number & thought nothing of it. Today ( XX/XX/22 ) I went on my mobile bank app to transfer money through XXXX to a coworker. I selected the coworker 's name and completed the transaction to transfer money. At the end of the transaction, it said that the money was sent to XXXX. I did not select her name! I also did not save her as a contact in my phone. This is a scam!! The bank ( Chase ) did nothing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: FL

Complaint narrative:
I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. 
XXXX XXXX XXXXXXXX XX/XX/2024 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/2024 As such, I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Reporting Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for investigating my dispute is not only unnecessary but also places an undue burden on me as a consumer. 
I expect you to adhere to the FCRA 's guidelines and conduct a thorough investigation into the unauthorized inquiries without requiring any additional reports from me. Failure to do so may result in further action on my part to ensure my rights under the FCRA are upheld. 
Please acknowledge receipt of this leter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as stipulated by the FCRA.

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 2024-03-22 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: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-03-22 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: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-03-22 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2024-03-22 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: CA

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

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 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
Had a promotional interest rate on purchases and balance transfers which was set to expire on XX/XX/XXXX. I paid off the entire balance by that date yet was still charged over {$100.00} in interest on XX/XX/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 2024-03-22 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This account was settled per the settlement agreement attached yet American Express did not report it to the credit bureaus that the account was settled. 

Also, this was a corporate account and should not even be on my personal credit report. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am writing to dispute the debt you are attempting to collect from me. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq., specifically 15 U.S.C. 1681-S 2 ( 7 ) ( a ), I have the right to dispute the validity of this debt.

Here are the specific reasons for my dispute : Validation of Debt : Pursuant to 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ), I request that you provide a written validation of this debt, including the amount of the debt, the name of the original creditor, the dates of service for the debt, and my signature on the contract of this debt. I also request information on how I can dispute the debt electronically, as allowed by 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

I request that you cease all communication with me regarding this debt collection effort. This is in accordance with 12 CFR 1006.34 ( d ) of the FDCPA.

Please note that I will not acknowledge this debt as valid until I have received the requested information.

I expect a response to this letter within five ( 5 ) days of the date it is received. Please be sure to include your validation information and any procedures for disputing the debt electronically. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
Lexis Nexis and XXXX XXXX  are willingly violating my FCRA rights because they are willingly and knowingly reporting inaccurate false information that I have previously disputed. They are reporting that I have a Eviction or Judgement under the ( Suits & Judgments for Eviction, Possession and/or Non-Payment of Rent Report section ) of their report and this is misleading and inaccurate. Preventing me and my kids from getting a home. 

As you will see, this was a judgement for a " XXXX '' loan through XXXX XXXX that was resolved and included in my bankruptcy that has been XXXX. 

A Car loan is not related to an " eviction, possession and/or Non Payment of Rent ''. Furthermore it is not lawful to report information that was XXXX in a bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief