vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 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: PA

Complaint narrative:
As per my previous correspondence, I have sought a Debt Validation from your office and have allowed sufficient time for the submission of relevant documentation. My objective is to receive conclusive evidence establishing the validity of this purported debt. I remain unconvinced of my responsibility to settle this account and the associated creditor 's name, as I have no recollection of engaging with them in any capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Northstar Location Services, LLC
State: NY

Complaint narrative:
On XX/XX/, I went to XXXX XXXXXXXX at the XXXX XXXX XXXX in XXXX New York ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX : XXXX. After purchasing some clothing, the clerk suggested I sign up for an XXXX XXXX Rewards Card. I did so, and was told that Id receive the card in the mail the following week. 

On XX/XX/, I received an email from XXXX XXXX notifying me that my card ending in # XXXX had been activated. I was confused, as I had never received the card. I then received an email from XXXX XXXX 4 days later stating that the activity on my account might be related to fraud. I immediately contacted XXXX XXXX concerning the matter. 

Apparently, an individual or individuals in the State of Georgia had purchased merchandise totaling {$7500.00} on XX/XX/2022, the same day that I had received the email from XXXX XXXX stating that my card ending in # XXXX had been activated. 

Following this incident of fraud, the NorthStar Debt Collection Agency sent a letter asking to collect the debt. Even after I explained it was fraud, they told me all they could do is lower the amount to pay. Since I refused, they told me there was nothing I could do I want to have this form fraud off of my name and be addressed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
The first time I received closure letters as to my my personal bank account, business bank account and personal credit cards, was letters from Citibank dated XX/XX/2023. However, after inquiring as to the reason why the accounts were to be closed, I received letters back stating that the accounts were closed in error and the credit cards have been re-activated. Furthermore, my Citibank personal and business bank accounts also remained open ( Please see attached bank error letters dated XX/XX/2023 ). 

Now, I received another sets of account closure letters from Citibank, dated XX/XX/2023. 

Since XXXX of XXXX  to now, nothing has changed neither in the use of my accounts, my personal nor professional life. I have been a loyal Citibank customer for over XXXX XXXX XXXXXXXX XXXX years. My credit score is excellent, there have been no late payments nor did I ever have any other issues with Citibank. I am a practicing attorney in XXXX XXXX, have not been involved in any criminal matters or have any pending criminal cases against me. 

Citibank also for the XXXX time, sent my parents an account closure letter. My parents, XXXX and XXXX XXXX, have been with Citibank for even a longer period of time than me. My father is XXXX  and I believe he is also being targeted by Citibank. 

Because of the above, I believe there are discriminatory banking practices involved and I am demanding an investigation as to Citibank 's discriminatory banking practices as to the reasons of my account closures. I am an XXXX  woman and believe I am a target of Citibank 's dissimilatory banking practices.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I am wanting these inquiries to be deleted because I did not authorize these companys to run my credit this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TIDEWATER FINANCE COMPANY, INC.
State: IN

Complaint narrative:
I am wanting these inquiries to be deleted because I did not authorize these companys to run my credit this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: AR

Complaint narrative:
I took a loan out with XXXX XXXX  back in XXXX and XXXX. The company wrote one of my loan off and placed in my credit report that both loan was paid off 100 %. I been un the impression that I was debt free from the company until I received an advertising letter in the mail saying I was being sued. I was in told shock and I started inquiring into this matter. I reached out to XXXX XXXX and the rep told my to file a dispute and a complaint. There was nothing she could do on her end the account is with Velocity. I then called Velocity and the Guy told me I would have to speak with their attorney. I tried to explain to him that no one has contacted me regarding this matter from this company. He replied I still have to talk to the attorney, I called their company and explained to the Rep that both accounts I had with XXXX XXXX has been reflecting in my credit report that I have paid both accounts off. I have been under the impression that both accounts were resolved until now. 
The Rep just told me that the law suit has been filed and there was nothing she could do. Very un professional. There was no ( let me look into this or call the company to see what we can do to resolve this. )

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 2023-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX balance of ( XXXX ), XXXX XXXX balance of XXXX, XXXX XXXX balance of XXXX, and inquiries, XXXX XXXX XXXX XXXX XXXX And XXXX XXXX these accounts have a ftc report I have send in and I will like for them to remove these fraudulent claims from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received dispute results from TransUnion Dated XX/XX/2023 File Identification XXXX ( see attached ) which said the following accounts would be deleted yet they still have not been removed from my TU credit file and it's been over 30 days : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX I've received negative feedback from a home loan lender regarding these accounts which is detrimental to my financial well-being. These accounts should have been removed promptly, over thirty days is not prompt.

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 2023-12-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
NOTICED ERRORS AND VIOLATIONS ON MY CONSUMER REPORT AND MADE CREDIT CONTROL SERVICE ( 3RD PARTY DEBT COLLECTOR ) AWARE AND THEY CONTINUE TO REPORT AND NOT REMOVE THESE ERRORS AND CONTINUE TO VIOLATE FDCPA, FCRA, CFPB AND PUBLIC LAWS RULES AND REGUALTIONS AS IT PERTAINS TO DEBT, DEBT DISCHARGE AND CREDIT REPORTING 1. CREDIT CONTROL SERVICE WAS SENT A NOTICE OF ERRORS, AND NOTICE TO CURE FAULT, AND NOTICE TO REMOVE DEBT REPORTING MORE THAN 180 DAYS PAST DUE AND IS ENTITLED TO DISCHARGE.

2. CURRENTLY, IT IS BEING FASLELY REPORTED TO THE CREDIT BUREAUS THAT AN AMOUNT OWED OF {$220.00} IS OWED. 

3. LASTLY, THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW 73-10 OF H

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens Bank did not close a credit card when requested, then continued to bill me for fees, and sent it to collections. They did the same with a checking account and XXXX  out the balance with fees instead of transferring the remaining balance to my other checking account as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: RI

Complaint narrative:
I went online to aidvantage website to pay my bill. Clicked pay now, it filled the total due including next month. Backed to main page. Clicked pay other amount and paid the past due. I was then charged and it showed properly on the dashboard. After I signed out. I was charged again, for twice the amount. I called aidvantage where they admitted they are aware of the issue and offered me no recourse for the damage caused by their system other than a refund, once they receive the money. I have had to put a dispute in with my bank and now have no access and I'm overdrawn. This is not my fault yet I face all the pain while they collect on a government contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: Rent Recovery Solutions
State: LA

Complaint narrative:
Around the time that I turned XXXX XXXX XXXX on XX/XX/, my XXXX  sibling XXXX XXXX obtained my social security card and was able to rent out three apartments to strangers. I was never aware of the situation until I tried to get my first apartment just to be told that I've had three previous evictions on my credit. if you pay attention to the time frame there's absolutely no way an XXXX woman should be able to afford three aprtment complexes. They've never seen my face nor my legitimate information so I'm confused as to how this went on for so long and they were unaware, or maybe they simply just didn't care. I need this removed from my credit because it has been hindering me from flourishing in my life and I'm now XXXX years of age.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: National Credit Systems,Inc.
State: LA

Complaint narrative:
Around the time that I turned XXXX XXXX XXXX on XX/XX/2020, my XXXX  sibling XXXX XXXX obtained my social security card and was able to rent out three apartments to strangers. I was never aware of the situation until I tried to get my first apartment just to be told that I've had three previous evictions on my credit. if you pay attention to the time frame there's absolutely no way an XXXX woman should be able to afford three aprtment complexes. They've never seen my face nor my legitimate information so I'm confused as to how this went on for so long and they were unaware, or maybe they simply just didn't care. I need this removed from my credit because it has been hindering me from flourishing in my life and I'm now XXXX  years of age.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I deposited a check it was verified by bank & it was cleared so funds were used then days later I'm told the check was no good so there was an investigation done & they told me check was fake well if bank cleared it obviously isn't wasn't fake & even if it was how am I suppose to know that. if it fooled the banker then it's obvious I had no idea but I still waited til the check fully cleared & all the money was released so I told them I can give them the original check that was sent to me to prove that it was a legit check also the company that sent it to me hacked into my account & took my money over drafting my account causing bank to take more money from me then I paid a rental car company with my debt card but reserved it with my credit card so when I returned the car XXXX person harged the rental fee with my debt card & another associate charged to my credit card so I disputed XXXX of the charges & had documents to prove that I was charged twice & they was payed twice & I had the original receipts before the rental car changed paper work & bank refused to look at them so now I'm XXXX of dollars neg in my account after my XXXX check was fraudulently taken then the bank took my XXXX causing me not to be able to pay rent so I was evicted after XXXX of paying my rent without XXXX late payment so I have the proof to show them but they refused to look at so now I'm a XXXX XXXX age female XXXX & out on the street when I went there with my documents they told me there was Noone there that handles anything like that I asked where do I go I got no XXXX & ; was asked to 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 monetary relief
Consumer complaint received 2023-12-14 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: FL

Complaint narrative:
XX/XX/XXXX  : A Inquiry For Company Experian Business Credit Was Reported On Profile Which Was A False And Fraudulent Charge Need Removal of Inquiry according To Law FCRA 604

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 2023-12-14 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: PA

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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: FL

Complaint narrative:
I disputed these accounts that dont belong to me in XXXX of XXXX  and i was looking at my credit report today XX/XX/XXXX and i saw the accounts that dont belong to me dating back to XXXX  are still on my credit report. I did not do it and i didnt benefit from it. Please block and delete these accounts that i never signed up for. this is causing me to not have a place to live. i am currently living in a shelter waiting to get this resolved. thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
As per my previous correspondence, I have sought a Debt Validation from your office and have allowed sufficient time for the submission of relevant documentation. My objective is to receive conclusive evidence establishing the validity of this purported debt. I remain unconvinced of my responsibility to settle this account and the associated creditor 's name, as I have no recollection of engaging with them in any capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
After 2 years of using paypal for XXXX XXXX  our business account was banned for zero reason. We sell approved items that our competitors sell on XXXX with XXXX issues. Our business is 7+ years old with very little refund issues and one day paypal decided to ban our account with no reasoning. 

Why back a merchant that will turn their back on you with no comments back or way to fix whatever was not " in their standards ''. Others are allowed to use their service but if they paint you as a black sheep youre better off using another 3rd party payment system than thinking theirs any longevity with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: PA

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2023-12-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Received a fraud alert notifying me of 2 hard credit inquiries I did not approve or initiate from 1. CAP ONE NA Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX  and 2. XXXX XXXX Inquired on XX/XX/XXXXXXXX  On record until XX/XX/XXXXXXXX  I called both Cap One NA, XXXXXXXX who both told me they couldn't do anything and that I needed to contact XXXX, XXXX and XXXX separately to notify them of these fraudulent hard inquiries that I did not authorize nor approve. Each of those companies said that I needed to file a complaint with FTC if I wanted it to be investigated further so this is why I'm writing this complaint now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Received a fraud alert notifying me of 2 hard credit inquiries I did not approve or initiate from XXXX. XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX  On record until XX/XX/XXXXXXXX  and 2. JPMCB CARD Inquired on XX/XX/XXXXXXXX  On record until XX/XX/XXXX I called both XXXX XXXX XXXX, JPMCB who both told me they couldn't do anything and that I needed to contact XXXX, XXXX and XXXX separately to notify them of these fraudulent hard inquiries that I did not authorize nor approve. Each of those companies said that I needed to file a complaint with FTC if I wanted it to be investigated further so this is why I'm writing this complaint now.

Company response to consumer: Closed with non-monetary relief