vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-18 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am writing to file a formal complaint against Portfolio Recovery associates, located at XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX, for their failure to prove necessary documentation regarding debts for three accounts that they claim I owe. 

On XXXX XXXX XXXX I sent a written request for validation of the debts and other supporting documents as outlined in the Fair Debt Collection Practices Act ( FDCPA ). It was confirmed they received my information. Despite follow-up attempts, they have not provided the requested information, which I believe is violation of my rights under the law. 

On XXXX XXXX XXXX I received a reply by mail for the two of the 3 accounts in question. For the XXXX XXXX account, the account they have began a lawsuit for, there was no reply. For XXXX XXXX , I received a letter stating that the dispute was completed and documents would be enclosed but there was no documents outside of that letter. For the XXXX XXXX account, I only received a bank statement from XXXX XXXXXXXX. After receiving these documents I spoke with a representative from Portfolio Recovery Associates and can provide name upon request. She stated that the time period to access validation documents and purchase agreements has expired and they do not have the information I requested. 

I will attach documents of my correspondence. I respectfully request that your office investigate this matter and take your appropriate action to ensure compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XXXX XXXX, I called a Bank of America ( BofA ) Customer Service Representative ( CSR ) to dispute {$25.00} monthly fees that started since XXXX XXXX. The CSR explained that the reason for the monthly fees was that my account was changed from Advance Plus Checking to a Relationship Checking account and I was not meeting the average balance requirements of {$25000.00} for the new account. I shared that I was neither notified nor consulted with the change and I would not have agreed to the new account because I do not have {$25000.00} to retain in the account. My Advance Plus Checking was created in 2019 for a specific purpose so I can utilize the BofA-affiliated XXXX XXXX on the military base while XXXX in XXXX XXXX and the requirements then was a simple direct deposit into the account, which I still maintain today. In short, the CSR made several attempts to reimburse the series of charges from XXXX to XXXX ( total {$150.00} ), but only to notify me that she was only able to successfully reimburse {$50.00} ( XXXX and XXXX fees ) and for me to wait at least 24 hours before asking to reimburse the remaining fees. The CSR reverted my account back to Advance Plus before ending our call. 

On XXXX XXXX, I called BofA CSR again to get reimbursed for the remaining {$100.00}. However, the CSR and her supervisor explained that the system only allows two reimbursements per year per account.

I will not make any assumptions or accusations as to why my account was changed without my knowledge and permission, but it is rather unlawful since money was taken from my account without my consent.

Please help me get my {$100.00} back from Bank of America. Thank you in advance.

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 2024-10-18 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: GA

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 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 XXXX XXXX XXXX XXXX I DID NOT APPLY FOR ANY CREDIT WITH THESE COMPANIES I WANT THEM TO BE REMOVED FROM MY CREDIT REPORT THIS SI 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 2024-10-18 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: EQUIFAX, INC.
State: GA

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 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 XXXX XXXX XXXX XXXX I DID NOT APPLY FOR ANY CREDIT WITH THESE COMPANIES I WANT THEM TO BE REMOVED FROM MY CREDIT REPORT THIS SI FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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:
Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

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 2024-10-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Unisa, Inc
State: TX

Complaint narrative:
I am constantly receiving emails stating a owe a debt from the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ). There multiple loans taken out while XXXX XXXX XXXX XXXX XXXX XXXX, so I should not be owing anyone. I have sent multiple letters out to this debt collector to delete this debt from my credit report but I am not getting a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: OH

Complaint narrative:
Ask all 3 credit companies to send proof that I had signed on as a cosigner. I dissaggreed with terms and didnt not sign any paperwork. Was told he didnt need me to cosign. 3 month later im getting called about this loan. XXXX is not providing me with a copy of signed agreement. ( Because there was none ) The dealership and loan company scammed me. Trying to fix with credit unions before talking to lawyer.

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 2024-10-18 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Ask all 3 credit companies to send proof that I had signed on as a cosigner. I dissaggreed with terms and didnt not sign any paperwork. Was told he didnt need me to cosign. 3 month later im getting called about this loan. XXXX is not providing me with a copy of signed agreement. ( Because there was none ) The dealership and loan company scammed me. Trying to fix with credit unions before talking to lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: TX

Complaint narrative:
FCRA Viloations Not mine Not my auto loan XXXX XXXX XXXX XXXXXXXX Account number XXXX Account type Auto Loan Responsibility Joint Date opened XX/XX/XXXX Status Open. {$5.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$5300.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$290.00} Hippa violation not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Collection account. {$1700.00} past due as of XX/XX/XXXX. 
not my utility bills never had XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$880.00} Status Collection account. {$880.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$140.00} Status Collection account. {$140.00} past due as of XX/XX/XXXX. 
never lived here 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: IN

Complaint narrative:
FCRA viloations Not mine not my credit cards XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$6300.00} Status Account charged off. {$6300.00} written off. {$6300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Account charged off. {$2000.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Account charged off. {$1700.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
never lived here XXXX XXXX XXXX XXXX XXXX, IN XXXX Resident type XXXX  family XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX Resident type XXXX family XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type XXXX family not my inquiries XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation
State: MO

Complaint narrative:
Fortiva a credit card offered me a card pre-appoved. on XX/XX/2024 i received said card without opening the card a {$170.00} U S Dollar amount was invoiced to pay with a {$25.00} amount mininum due XXXX, 2024 due date. I had not even opened the card and the charged that to the card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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: GA

Complaint narrative:
I recently disputed accounts & inquiries on my consumer report that are a result of identity theft and they came back verified. Pursuant to 15 U.S.C. 1681i ( 7 ) and FCRA Section 611 ( a ) ( 6 ) and ( 7 ) I have the right to request an explanation of the verification method used I am requesting the method a verification that you used for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of Verification- Description of reinvestigation produce. A consumer reporting agency shall provide to a consumer a description referred to in a paragraph 15 U.S.C. ( 6 ) ( B ) ( III ) - a notice that, if requested by the consumer a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency including the business name and address of any furnisher of information contacted in connection with such information and telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I am NOT asking you to reinvestigate but Im asking for the method of verification. Please provide me with the following information to insure 100 % accuracy. If you can not provide this information within 15 days please remove this item from my consumer report. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Thank you for your attention in this matter, XXXX XXXX XXXX Without prejudice, All Natural Rights Reserved

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 2024-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
SENT SEVERAL DISPUTE LETTERS, REGARDING AN ACCOUNT THAT WAS OPENED UNDER MY NAME/INFORMATION, BUT THERE WAS NO RESPONSE, AGAIN MY I SUFFERED FROM IDENTITY THEFT, AND THERE WAS NO RESPONSE WITHIN 45 DAY I DID NOT RECEIVE ORIGINAL DOCUMENTS REGARDING THAT ACCOUNT, THAT CAPITAL ONE ACCOUNT IS STILL ON MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-10-18 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: IL

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am writing to formally file a complaint regarding a debt that has been incorrectly attributed to me and is being improperly reported on my credit report by Resurgent/LVNV Funding. This complaint concerns a case of identity theft and the failure of Resurgent/LVNV Funding to properly verify the ownership of the debt before reporting it. The key facts of the situation are as follows : The debt in question was originally held by Account Number : XXXX Original Creditor : XXXX XXXX XXXX., which they charged off and subsequently closed. Afterward, Account Number : XXXX Original Creditor : XXXX XXXX XXXX  sold the debt to Resurgent/LVNV Funding, a debt buyer. Despite the fact that Account Number : XXXX Original Creditor : XXXX XXXX XXXX had charged off and closed the account, Resurgent/LVNV Funding is now reporting the debt as open and active on my credit report. I requested debt validation from Resurgent/LVNV Funding, and they failed to provide any sufficient proof that this debt belongs to me. It appears that Resurgent/LVNV Funding simply relied on information provided by Account Number : XXXX Original Creditor : XXXX XXXX XXXX without conducting a proper investigation to verify my identity or my involvement with this debt. After careful review, I believe this debt has been incorrectly assigned to me due to identity theft, as I have no knowledge or record of this account. As a result, Resurgent/LVNV Funding is reporting this debt on my credit report, which has caused significant damage to my credit score and has led to undue stress. I have made multiple attempts to resolve this matter directly with them, but they have not provided adequate evidence that I am the rightful owner of this debt. In light of the above, I respectfully request the following : The immediate cessation of all collection activities related to this debt by Resurgent/LVNV Funding, as required under the Fair Debt Collection Practices Act ( FDCPA ) when a debt is disputed and identity theft is alleged. A thorough investigation into the validity of this debt, ensuring that Resurgent/LVNV Funding follows the proper procedures to validate the debt before reporting it on my credit report. Assistance in correcting my credit report, ensuring that the wrongful information reported by Resurgent/LVNV Funding is removed. I have attached relevant documentation, including my request for debt validation, correspondence with Resurgent/LVNV Funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I received two checks for my tax return refunds. One was a check for XXXX and another for XXXX. The reason they both sent these two checks in XX/XX/XXXX was because these two tax years were amended in XX/XX/XXXX. I deposited the check for XXXX in my Fifth Third bank account via mobile banking on XX/XX/XXXX. I then went to deposit my XXXX refund check in person at the Fifth Third branch at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. That same day they completely locked my savings and checking accounts and card. I went in person to resolve this and they told me to show them my original and amended tax returns so they can verify. Since then there has been zero updates or change in the situation. I have no funds at all right now because that was also a bank account that I have my paychecks direct deposited to so I am completely stuck and they dont care.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
I requested for them to explain to me or to send me any information dealing with the closing of my account. I was told I would receive an Email and my Deposited funds would be returned back in the mail and it wasnt Im filing a complaint because its unfair how I have been treated and I need justice. 
I opened the account Wednesday XX/XX/XXXX at citizens bank located in XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Every time I mail in a request to receive my credit report its ALWAYS an issue and i NEVER receive what I ask for.. Its always the same cycle of sending in " verifications '' for your identity such as your drivers licenses ( which is unconstitutional ), a bill/lease and your social security card.. Equifax XXXX XXXX and XXXX are ALL NON GOVERMENT AGENCIES. THEY ARE PRIVATE OWNED CORPORATIONS HENCE THEIR COMPANIES HISTORY. YOU ARE A PRIVATELY OWND ENTITY THAT CONGRESS HAS SAID " Consumer reporting agencies have assumed ( ASSUMED?? ) a vital role in assembling and evaluating consumer credit and other information on consumers..There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " .... if yalls private entities gone have my social security number without my prior written consent I think i should be able to receive my credit reports when I ask and not have to go through any ridiculous cycles. This has really impacted not only my financial situations but also estate/family situations. This is defamation of character

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I have been locked out of my accounts 3total, checking and 2 savings accounts I was 1st told 24 hrs to unlock it, then told 48 hrs to unlock them. Both deadlines have past and i still don't have access All the bank says is we are waiting for an answer to an email. Can not give a time frame to fix this issue. Have escalated the issue no help at all.

I asked for my account numbers to close and move to a new bank, was told no. 
Asked if i went to a new bank and they called to get account information to transfer money, could that work, was told no.

Company response to consumer: Closed with non-monetary relief