vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have requested that resurgent cease and desist! and they have refused per the FDCPA 15 usc 1692a ( 2 ) the term communication means the conveying of information regarding a debt through any medium. A consumer report is a medium so they need to delete this alleged debt from my consumer report of this will be considered harrasment and abuse per federal law,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My XXXX XXXX XXXX  consumer report shows that there's a derogatory account being reported with a balance of {$330.00}. The account information is coming from wells fargo checkings [ Routing # XXXX ] [ Account # XXXX ]. I do not believe its true. I am requesting that they send me a copy of all my account statements in order to verify the information. If the information reporting is correct then I am willing to settle the 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 2024-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have valid properly notorized Power of Attorney Documents for my mother Virginia XXXX and Bank of America is violating the law in not honoring the document. BOA will not allow me to speak to someone directly about the decline and only wrote me a letter saying falsely that the document was altered and invalid. However the Power of Attorney office won't talk to me directly to explain the situation.

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 2024-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I pulled my credit report and a negative account showed. I have never had an account with either XXXX XXXX or XXXX XXXX XXXX, at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. 
I am a XXXX senior, XXXX XXXX XXXX, and haven't opened aa account in XXXX years. I have disputed this debt and they have made no attempt to contact me, just put negative information on my credit report. Please tell them to correct this problem immediately. Thanks

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 2024-07-27 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: CA

Complaint narrative:
TransUnion keep delaying/starting reinvestigation for the reason to protect me and to send supporting docs identifying me A GAME I have sent them XXXX times copies SEE ATTACHED

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 2024-07-27 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:
Subject : Request to Delete Fraudulent Accounts Under FCRA Section 605C Dear Sir/Madam, I am writing to formally dispute the presence of fraudulent accounts currently reported on my credit report. These accounts were not opened by me, and I believe they are the result of identity theft. I am requesting that you delete these accounts from my credit report as required by Section 605C of the Fair Credit Reporting Act ( FCRA ). 

The details of the fraudulent accounts are as follows : Creditor Name : XXXX XXXXXXXX XXXX Date Reported : XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX  Date reported : XX/XX/XXXX Under Section 605C of the FCRA, consumer reporting agencies are required to block the reporting of information that the consumer identifies as resulting from identity theft, provided that the consumer submits a valid identity theft report. Given that these accounts were fraudulently opened without my knowledge or consent, I am invoking my rights under this section to request the deletion of these accounts. 


Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XX/XX/year> - attempted to deposit {$60.00} into one of the ATMs at the Chase location at XXXX XXXX XXXX ( XXXX XXXX XXXX ), XXXX, only for the ATM to take all of those {$5.00} bills totalling {$60.00} without actually accepting the deposit and crediting my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Time Investment Corporation
State: NC

Complaint narrative:
I filed a CFPB complaint on this company on XX/XX/2024 ( CFPB # XXXX ) due to a previous situation in which I was harassed, disrespected and threatened on the telephone first thing in the morning. 

On XX/XX/2024 the complaint was closed with the company stating the following within it's response, -- " we will note in our files that XXXX XXXX has requested no further tele-communications . '' With that being said, I received yet another telecommunication and voicemail from this company this month on XX/XX/2024. I have been advised to go on record and file another complaint with the CFPB due to this now being a direct violation of The federal Fair Debt Collection Practices Act ( FDCPA ) and opens up the door for legal action ; Civil Liability 15 USC 1692k, 1692n, 1692o.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: TN

Complaint narrative:
I'VE RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION REPORTING CAUSING ME TO HAVE A LOW CREDIT SCORE AND GETTING DENIED DUE TO INACCURATE INFORMATION REPORTING.

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 2024-07-27 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: LA

Complaint narrative:
Dates : From XX/XX/XXXX to XX/XX/XXXX XXXX taken : A dispute letter was sent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: LA

Complaint narrative:
Dates : From XX/XX/XXXX to XX/XX/XXXX Action taken : A dispute letter was sent

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 2024-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Coming up as in open account with a balance of {$830.00}. I do not recognize this lender nor have i had a contract with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: NC

Complaint narrative:
I attempted multiple times toto get them to give e the information. It keeps being on my report and they have not provided the information I am writing to formally dispute the collection accountXXXX on my credit report. I believe my rights as a consumer have been violated under multiple sections of the U.S. Code and applicable federal laws. Specifically, the following statutes have been breached : 15 U.S. Code 1681i - Procedure in case of disputed accuracy : I have previously disputed this information, and the credit reporting agency has failed to conduct a proper reinvestigation as required by law.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies : The creditor has reported inaccurate and unverifiable information, which they have not corrected despite my disputes. 
My rights are being violated due to these laws

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
XX/XX/year> a credit application was submitted on behalf of the trust estate by XXXX XXXX, a salesperson at XXXX XXXX XXXX XXXX XXXX. The salesperson falsely represented a salary, with knowledge of its falsity, with the intent to deceive, making the trust estate rely on the misrepresentation. The securitization of the retail installment agreement by TD BANKS NA, which allowed for the dealers book to clear for the underwriting of more credit applications, exhibits the acknowledgment of the salary verification process used by their partner XXXX XXXX XXXX XXXX XXXX as well as the salary verification document used to verify the salary, if any. XXXX, XXXX, & XXXX XXXX are attempting to collect on a debt deceitful from its inception, in which the managerial accounting attributed to the trust estate located at both XXXX XXXX XXXX XXXX XXXX and TD BANKS NA will demonstrate. Let this also be a notice that allows XXXX, XXXX, & XXXX XXXX to send correspondence through CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XXXX of this year I reached out to Transunion and told them that they had all of my personal information reported incorrectly and I noticed that there were accounts on the report that didnt belong to me. I told them that they needed to fix all of this and they told me to put it in writing so I did. THEY DID NOTHING! I wrote them and disputed again in XXXX and again THEY DID NOTHING. Not even a response! They are intentionally ignoring me and refusing to abide by consumer laws put in place to protect me. It is now XXXX and my credit report is still WRONG. I feel violated and humiliated when I look at my report and/or when anyone else does too. This is not right at all!

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 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX [ Phone Number ] XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX Subject : Opt-Out Request and Removal of Erroneous Information from Credit Reports Dear Consumer Financial Protection Bureau, I am writing to formally notify you, in accordance with CFR 6802, 6805, and 16 CFR 433.3, that effective XX/XX/2024, I am opting out of any consent/ authorization verbal, implied, written, or otherwisefor the use of my personal information without my explicit consent. 
Furthermore, I request that you instruct each of the credit reporting agencies-XXXX Equifax, and XXXX as well as XXXX XXXX, to immediately remove all erroneous non-mailable addresses, phone numbers, and any misconstrued versions of my name, XXXX XXXX XXXX XXXX from my credit reports. This request is effective immediately and indefinitely. 
The inclusion of inaccurate personal inquiries, information has significantly harmed my ability to build credit and has hindered my financial progress due to violations of my privacy and the failure to bring these matters into compliance per my previous requests. I demand remedy and compensation for every identified violation. 
Please ensure that a copy of this letter is forwarded to each of the mentioned bureaus without delay. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX [ Phone Number ] XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX Subject : Opt-Out Request and Removal of Erroneous Information from Credit Reports Dear Consumer Financial Protection Bureau, I am writing to formally notify you, in accordance with CFR 6802, 6805, and 16 CFR 433.3, that effective XX/XX/year>, I am opting out of any consent/ authorization verbal, implied, written, or otherwisefor the use of my personal information without my explicit consent. 
Furthermore, I request that you instruct each of the credit reporting agencies-XXXX XXXX, and Experian as well as XXXX XXXX, to immediately remove all erroneous non-mailable addresses, phone numbers, and any misconstrued versions of my name, XXXX XXXX XXXX XXXX from my credit reports. This request is effective immediately and indefinitely. 
The inclusion of inaccurate personal inquiries, information has significantly harmed my ability to build credit and has hindered my financial progress due to violations of my privacy and the failure to bring these matters into compliance per my previous requests. I demand remedy and compensation for every identified violation. 
Please ensure that a copy of this letter is forwarded to each of the mentioned bureaus without delay. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-07-27 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-27 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: TX

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. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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  However, they stated everything was complete and accurate. 

But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX. I applied for a XXXX XXXX XXXX XXXX  through the website XXXX XXXX for a position of XXXX XXXX for a company call XXXX XXXX. ( Oficial Website XXXX XXXX XXXX XXXX XXXX But the website he had on his profile was : XXXX XXXX XXXX XXXX They send me a text message that my resume was review and I was a possible candidate. Then instructed me to download the application " XXXX  '' by XXXX the have conversations through there. ( Note : I have all the conversations on my phone ). 

XXXX. We hace conversations for 2-3 about the position, asked my several qualifying question about the position and mentioned multiple times that when and if I was approved for the position I would have a XXXX  meeting with " my supervisor ''. 

XXXX. After 2-3 days the person said I qualified for the position and sent me a document, like a job offer, through my email to accept the job. I signed the job offer and sent it back. ( Note : no personal information like social security was on the job offer. Just my name and signature. I still have the job offer document. ) XXXX. After that the mentioned they would pay for my equipment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They sent me a check through my email to be deposited on my bank account for the purchase of the equipment for a total of {$2100.00}. 
( Note : I still have a copy of the check. Also the email address the check was sent to me is : XXXX. 

XXXX. The person told me to send {$2000.00} to a third party vendor for the purchase of the equipment named " XXXX XXXX '' which I have all the information of the account which is own by XXXX XXXX. 

XXXX. After this the person told me to do another deposit which seemed odd to me and I told them that I won't until I speak to my supervisor or someone through XXXX. The person XXXX  and never responded. Next morning I went through my bank my was too late, my account was overdraft and there's nothing they can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
After completing FTC, Identity theft report, and police report, chief inspector complaints. XXXX, XXXX and Transunion still have not removed the second identity causing a conflict when pulling credit on report. I have included screen shots of public record request of which is searchable showing that there are NO public records but yet there is one on my credit report. I have called capital one as well and they do not have any credit cards that are reporting collection on my credit report nor have they been reporting anything underway social security number. When I called XXXX they could not provide an explanation and refused to transfer this issue to the fraud department as a complaint for interdepartmental fraud, meaning that it is one of their employees causing the issue.

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