vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I mailed certified letters to XXXX, Equifax, and XXXX stating that the information that they are reporting is not accurate and the information that they are reporting is error. Like my Name, Address, Late Payments, and Closed accounts, the consumer reporting agencies said that the accounts were accurate. the law says 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.ALSO 15 U.S Code 1681a ( 5 ) ( A ) ( i ) ( ii ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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: IL

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this 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 non-monetary relief
Consumer complaint received 2024-01-22 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: FIRST ADVANTAGE CORPORATION
State: CA

Complaint narrative:
my record show conviction of hit and run but the charge was expunged, but is still showing conviction which is incorrect. It should show dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
This account was stolen by Portfolio Recovery Services and used under pretenses. It was covered by XXXX XXXX and resolved with the original credit grantor, namely XXXXXXXX XXXX  The bank has requested the return of this account as it was incorrectly listed as a collection account before the merger of XXXXXXXX XXXX The debt collector is aware of these things and has been trying to collect monies that are not owed. 

I have requested proof on several occasions to validate the origination of the bill, how this was assigned, the bill of sale, and receipts to validate the debt. I asked for the arbitration clause from the agreement to be sent so it could be applied to the insurance agency where the payment was remitted for theft. 

The company has refused to send me anything and keeps reporting inaccurate information to the credit bureau, impacting my job clearance. This debt collector keeps running inquiries against my name and social where it was not given to them to do so or conduct any business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: Synovus Bank
State: MI

Complaint narrative:
Sent letter to both the creditors and furnishing companies XXXX did not recieve a response

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: ACIMA CREDIT, LLC
State: MI

Complaint narrative:
Sent letter to both the creditors and furnishing companies XXXX, did not recieve a response

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Prosper Marketplace, Inc.
State: MD

Complaint narrative:
XX/XX/year>, I received an email from XXXX which is some kind of financial bank business that stated that I was not approved for a loan that I applied for. The email had information pertaining to my credit that was not true. I did not apply for an equity line of credit loan from this company. I called them to inform them about this email and they attempted to get additional personal information from me to inquire about the loan. I explained again that I did not apply for a loan and will not provide my social security and date of birth. They would not give me any information to report this as a fraud through their company. they just aggressively tried to get more personal information to process an inquiry. I am attaching the email as documentation which seems to be a phishing scam to get the recipient to give additional information and run an inquiry on your credit. I checked my credit report to be sure and there were no inquiries from 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 2024-01-22 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: KS

Complaint narrative:
I reviewed my credit profile and noticed hard inquiries that do not belong to me 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 non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: MN

Complaint narrative:
My credit card was stolen in XXXX XXXX XXXX XXXX 

I reported that my Fortiva credit card was stolen and no charges should be authorized. 

Fortiva sent me a new credit card to my home address however they did not put in a dispute for unauthorized charges made to my account. 

They have no internal fraud protection as charges kept being authorized on the same day. 

When I called and asked about the dispute, they told be I need to send a letter to them in the mail. Then when I escalated the issue, they said I could complete a paper form and e-mail to them. None of my other credit cards from other companies that stolen on same day require such a requirement. The form they sent does not allow me complete online or modify the document. 

Why is this only company that requires manual paper-work while all other credits cards already had all charges disputed and have credit my account but not Fortiva Fortiva is issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX www.myfortiva.com 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 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 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-22 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:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS EDFINANCIAL Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I deposited my XXXX check into my account at Truist on XXXX initially there was a hold of the next business day. Then due to the algorithm my check is literally being held until the XXXX of XXXX! That is insane. My account is not in the new account criteria and I have no bounced checks or overdrafts from my account. This is the second time they e tried to hold a check over 10 days!

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 2024-01-22 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: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
Sent letters to both the creditors and credit reporting companies on XXXX. I never received 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 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, I went into the XXXX, Florida Chase Branch as a long time customer and made a very large deposit which they instructed me would be ready on XXXXXX/XX/year>. In the meantime, I have written proof sent to Chase ( my deposit bank ) from XXXX  XXXX XXXX that shows the check deposit was cleared- the deposit to be valid and funds were available on XX/XX/year>. We are now 10 days later and Chase has still not approved my deposit but they have earned thousands of dollars in interest which they should not be entitled to. Meanwhile, because of the frozen deposit, I am in jeopardy of being late pay bills on many accounts. Chase should be held accountable to pay the interest lost and any fees or late charges from bills that are unable to be paid while they freeze the deposit. 

They will try and state CC regulation but that should not apply since we gave them a copy from the XXXX  XXXX XXXX which shows they cleared for deposit on XX/XX/year>. Even with this Chase is playing games to hold the deposit and earn interest which they have stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America was paid in full and refuses to remove me from the credit report they were not only paid they made between 2 to {$3000.00} in interest and agreed to the settlement I want them to remove the negative from the current credit 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 2024-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I put my substantial nest egg ( approx {$200000.00} ) with Capital one 360 savings account some years ago, because it was a leader in paying what was at the time a decent interest rate compared to other banks. As interest rates rose on savings accounts nationally over the last couple of years, I refrained from moving my funds from Capital One 360 Savings to another firm because I saw that Capital One Performance 360 savings was advertising rates that were keeping pace with the market, compared to other high interest rate paying firms. And therefore assumed that the savings interest rate I was getting was keeping pace with the market, so I didnt bother to looking into switching to another bank only to gain what I thought would just be a small difference at most, figuring it wasnt worth the turmoil, given that my credit card, checking account, etc. was with Capital One and I liked doing business with them. Because I didnt recognize the distinction between Capital One 360 and Capital One Performance 360, my money sat making barely any interest ( in the .3 % range ) when the market was paying XXXX % and higher ranges. I lost out on substantial amounts of money ( actually thousands ) because of Capital Ones deceptiveness. Is there any way for me to recoup some of these losses? When I spoke with Capital One they said there was nothing they could do. After that discussion, I pulled my money from Capital One and placed it with XXXX XXXX Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I am not liable and refuse to pay this debt with XXXX XXXX, I have no contract with Transworld Systems Inc in regards to account XXXX XXXX The information on my credit report is inaccurate and I demand that it be investigated and removed immediately to avoid further legal actions against all parties involved. Thanks 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 explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/2024, I got a notice from Chime Member Services that I had " just 1 step left to finish setting up Direct Deposit ''. The next email from Chime said- '' Account Password Updated '', and the next email said " Welcome to Chime ''. The next one after that ( email # 4 ) said- " You're one step away from XXXX XXXX ... '' One of the emails contained an account number and a bank routing number. The problem here is that I never signed up with Chime ( didn't even know who or what they were ) and never authorized any New Account with them. I immediately forwarded the email with the account info in it to their " XXXX XXXX XXXX', and they reverted shortly after with a message saying that " my account '' had been closed. What concerns me is that I do not know how much of my personal info was necessary and possibly used to open this fraudulent account in the first place, and think that Chime needs to vet their new account signees more thoroughly so this kind of fraud doesn't happen to others anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is an ongoing issue, my credit card was charged for services from XXXX which I did not authorize. First is was on XX/XX/2023 for {$18.00}, I called and the charges was reversed. Another card was issue to replace the card... XXXX. When I have not received my new card another charges from XXXX for {$13.00} on XX/XX/2023. I set up a fraud alert and any charges will required my approval, therefore I Declined the charges ( proof attached ). But as of today Capital One still insisted on that I purchased and benefit from the service. I asked for the proof of their investigation, their reply " sorry we can not provide that '' the phone coversation was recorded by Capital One ( they announced when answering my call )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Moss Law Firm, P.C.
State: TX

Complaint narrative:
On XX/XX/2024 I received a threatening letter communicating to me that Moss Law Firm, a debt collector was attempting to collect a debt allegedly owed to XXXX XXXX XXXXXXXX XXXX XXXXXXXX. and that they will use any information I give them to collect the alleged debt. I do not have a contract with this company and never gave consent to have this company contact me through any medium. After received the letter I checked my credit report with XXXX, XXXX and XXXX to find that there is an account listed from XXXX XXXX XXXX that has been charged off as bad debt, but I never received a 1099 from XXXX showing the debt was discharged. Since this account has been charged off, that makes it a certificate of indebtedness meaning it is now considered income and income is not permitted to be listed on a consumer credit report. It appears that XXXX and Moss Law Firm the debt collector has conspired together to commit fraud and extort funds from me the consumer. Further more, I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of XXXX reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: FL

Complaint narrative:
Experian is reporting accounts on my consumer profile due to an alleged identity theft. These accounts involve transactions unrelated to me, and I did not derive XXXX  benefit from them. I've provided Experian with written correspondence, including proof of my identity, an identity theft report, identification of the relevant information, and a statement, as legally mandated. They are obligated to block and remove these accounts within XXXX business XXXX  of receiving my notice.

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