vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-12 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:
I'm writing to impart my tension concerning the challenged records on my credit report. On various events, I have raised the issue of missteps in these records, and have dependably referenced that they be totally analyzed. Regardless of my undertakings, I by and by just can't get any objective or therapeutic movement. These mixed up records are truly hurting my credit report and demolishing my ability to continue with a normal life. The unfavorable results of these blunders have caused tremendous troubles for me, and I'm left with no choice aside from to contend for your assistance with amending what is happening at the earliest open door. I thoughtfully request that you lead a comprehensive assessment concerning the specifying of all of these challenged records. It is essential that the principal progresses are taken to revive and address my credit report right away. With your help, I want to restore the accuracy and decency of my credit archive so I could recuperate control over my money related thriving. I truly urge you to offer this matter your most outrageous thought and take a speedy action. Your cooperation and moving in settling this issue speedily would be colossally important. Thankful to you early on for your cognizance and help.

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 2024-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Our firm XXXX XXXX XXXX, XXXX has no less than ( XXXX ) files open here with the CFPB on Bank of America and XXXX. 

Now Bank of America has decided to close our account and believe this is nothing more than XXXX for us filing these claims with the CFPB. 

They are using a lame excuses of XXXX XXXX XXXX XXXX. There decision was based on false information providing by these XXXX companies who have violated my consumer rights ( 5 USC 552A ), 15 U.S. Code 1681c2, 15 USC 6802, The violations of these laws come with a penalty of no less than up to {$1000.00} each.

Our holding company. have been with BOA for over two decades in some form or fashion. And for them to treat us in this matter is down right ridiculous. 

They also closed our claims with XXXX without giving us a chance to response. 

As we told them BOA on NUMEROUS occasions ( XXXX ) our dispute is NOT weather the charges are valid, our dispute is WE DID NOT RECEIVE THE PRODUCT OR SERVICES we paid for! 

We have attached XXXX response. Now since XXXX is an XXXX company we can not file claim against them here in the XXXX. 

We followed their policy to the letter. They decided not to respond to ANY of our emails. Since they would not give us any resolution, we came to what we thought was our banking partner. 

But they decide to retaliate against us while there are XXXX open claims here.

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 2024-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc.

Complaint narrative:
Commencing on or around XXXX XXXX, XXXX, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX XXXX  from my Trust Wallet account to fraudulent investment firm ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I had a reservation through XXXX XXXX XXXX XXXX for the dates of XX/XX/XXXX to XX/XX/XXXX. My flight was delayed therefore I arrived at the XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX. Upon arrival I was met with a letter on the door stating the water would be shut off for two days during the reservation, after entering the XXXX XXXX XXXX XXXX I was flabbergasted and appalled by what I discovered. The property looked NOTHNG like the pictures, there was mounds of dust and soot on the fans around the AC, food stains on table and counter, drinks and food dried up in the fridge, hair on the linens, dryer open with towels hanging out and hair, paint chipping on every wall, XXXX marks, XXXX stains on the walls, the bathrooms had hair, crusty shower heads, the place hadnt been cleaned in MONTHS! I had my newborn baby with me. I immediately contacted XXXX XXXX XXXX XXXX and advised I would be leaving as soon as I booked my hotel, and the reservation is accommodated. I left the XXXX XXXX XXXX XXXX at XXXX XX/XX/XXXX. 

I attempted serval times to contact the Host of the XXXX XXXX XXXX XXXX to request a refund. The host never responded. I contacted XXXX XXXX XXXX XXXX they kept saying they were investigating. I sent pictures. Documentation I left. Air B XXXX B then claimed they would give me some money back and the rest would come from the host. I received XXXX credits from XXXX b XXXX B however the reservation cost is XXXX. After no response from host or XXXX XXXX XXXX XXXX I contact Navy Federal. Credit Union. I provided the documentation as well as proof I got hotel the same day.

Navy federal credited the money back to me. Sent me a letter stating they were still investigating the claim for XXXX. Then they came back and add the money back to my account. Stating they did all they could do to resolve the issues, and they could do nothing else. 

I contact XXXX XXXX XXXX XXXX, and they are stating the bank initiated a charge back so now it on the bank. 

I called Navy Federal the stated they just needed additional information I logged into the portal to upload, and the system said I had no claim When I messaged Navy Federal, they stated again they could do nothing, I was given the wrong information my the representative and there is nothing they can do The bank holds my money, and they are running me around in circles, lying, and not protecting me as a consumer. 

I want Navy Federal held accountable for not doing their due diligence to return my money to me after I was scammed. I also want my money back since I was unable to use the reservation.

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 2024-08-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am seeking your assistance with the incorrect information being reported on my credit report. This issue has caused significant harm to my reputation, and I need your support to address it. Your mishandling of my credit report has left me in a difficult position, and my reputation has suffered due to your inaccurate reporting. Please correct these mistakes so I can continue my life with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. NAME : XXXX XXXX XXXX XXXX  : XXXX XXXX. NAME : XXXX XXXX XXXX NUMBER : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. 
I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-08-12 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: EQUIFAX, INC.
State: MD

Complaint narrative:
For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
In the year of 2020 I was hack or say scam for my account of XXXX XXXX.while in the bank in front of a rep when the scammer was taken down my funds and the rep advised me to just hang up

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 2024-08-12 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: GA

Complaint narrative:
I'm putting down to give my strain concerning the tested accounts on my credit report. On different occasions, I have raised the issue of slips up in these records, and have reliably referred to that they be completely dissected. No matter what my endeavors, I eventually can't get any goal or restorative development. These stirred up records are really harming my credit report and obliterating my capacity to go on with a typical life. The horrible aftereffects of these bumbles have caused enormous difficulties for me, and I'm left with no decision beside to fight for your help with changing what's going on at the earliest entryway. I nicely demand that you lead a complete evaluation concerning the determining of these tested records. It is fundamental that the chief advances are taken to resuscitate and address my credit report immediately. With your assistance, I need to reestablish the exactness and fairness of my credit document so I could recover command over my cash related flourishing. I genuinely ask you to offer this matter your generally unbelievable idea and make an expedient move. Your collaboration and moving in settling this issue quickly would be enormously significant. Grateful to you right off the bat for your comprehension and help.

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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Alorica Inc.
State: VA

Complaint narrative:
I am still trying to get a 1099 - c from sst/XXXX XXXX and I can't get one and I also have submitted previously a request for arbitration I am afforded that luxury according to the account disclosure the last one I sent I called them and ask what was the status of my request and I was told that they weren't going to do anything about my request because I didn't file it correctly and I am sending a copy of my request that I sent to systems services technology. This is the fourth or fifth complaint that I ha XXXX lodged against systems services technology in the last year and NOTHING has been done about it and now something has to be done about this company they are not above the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: CA

Complaint narrative:
To Whom It XXXX Concern, I am writing to file a formal complaint against PORTFOLIO RC regarding their unlawful actions that violate my rights under the Fair Credit Reporting Act ( FCRA ) and Regulation F ( XXXX CFR Part XXXX ). Specifically, I believe the collection agency has not adhered to the following regulations : Failure to Provide Validation Information : Pursuant to XXXX XXXX XXXX ( b ) ( XXXX ), PORTFOLIO RC has failed to provide the required validation information upon my request. Despite this failure, they have placed a collection account on my consumer report. 

Denial of Dispute Opportunity : Under XXXX XXXX XXXX ( c ) ( XXXX ) ( i ), I have not been given a reasonable opportunity to dispute the accuracy of the debt with PORTFOLIO RC. 

XXXX of XXXX Practices : PORTFOLIO RC has engaged in false, misleading, and deceptive practices in their attempts to collect the alleged debt, which is a direct violation of consumer rights protected under federal law. 

Furnishing Information Without Required Disclosures : According to XXXX XXXX XXXX ( d ) and XXXX XXXX XXXX ( XXXX ) ( A ), PORTFOLIO RC has unlawfully furnished information to consumer reporting agencies without providing me with all required disclosures. 

Additionally, I dispute owing any and all debts to PORTFOLIO RC. Therefore, I hereby revoke all rights of PORTFOLIO RC to communicate with me via email, text messages, or phone calls regarding this matter. 

Furthermore, I formally request the following from PORTFOLIO RC : Debt Validation : Provide validation of the alleged debt, including itemized statements and documents proving the debt 's validity and ownership. 

XXXX XXXX : Furnish a copy of the purchase agreement or contract between PORTFOLIO RC and the original creditor demonstrating their legal authority to collect this debt. 

Proof of XXXX and XXXX : Provide documentation proving that PORTFOLIO RC is licensed to collect debts in California and bonded as required by law. 

These actions by PORTFOLIO RC have caused significant distress and financial harm. I have attached relevant documentation supporting my claims, including copies of correspondence with PORTFOLIO RC. 

I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure [ Collection Agency Name ] complies with federal law. I also request that the collection agency cease all collection activities related to the disputed debt until these violations are resolved. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: MD

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my 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 explanation
Consumer complaint received 2024-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm putting down to give my strain concerning the tested accounts on my credit report. On different occasions, I have raised the issue of slips up in these records, and have reliably referred to that they be completely dissected. No matter what my endeavors, I eventually can't get any goal or restorative development. These stirred up records are really harming my credit report and obliterating my capacity to go on with a typical life. The horrible aftereffects of these bumbles have caused enormous difficulties for me, and I'm left with no decision beside to fight for your help with changing what's going on at the earliest entryway. I nicely demand that you lead a complete evaluation concerning the determining of these tested records. It is fundamental that the chief advances are taken to resuscitate and address my credit report immediately. With your assistance, I need to reestablish the exactness and fairness of my credit document so I could recover command over my cash related flourishing. I genuinely ask you to offer this matter your generally unbelievable idea and make an expedient move. Your collaboration and moving in settling this issue quickly would be enormously significant. Grateful to you right off the bat for your comprehension and help.

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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: NE

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief