vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been a victim of several data breaches and I ended up having inaccurate and unauthorized accounts listed on my credit report. Therefore, I submitted an FTC report to each of the bureaus listing all accounts that didn't belong to me. some accounts were removed but others weren't and the bureaus failed to notify me of the investigation results. I also sent in a letter asking for the steps they took to verify the accounts and they failed to respond. I feel like im being taking advantage of and this is severely ruining my life because these accounts are inaccurate nor do they belong to. I need all of these accounts removed immediately

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 2023-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I recently placed a complaint in regaards to Portfolio Recovery Associates, who filed a citation against me, in civil court. XXXX XXXX, with CFPB. They claimed to have sent a letter on specific dates, initiating the purchase of my debt from XXXX XXXX XXXX XXXX XXXX. However, this was false information. As I stated in my feedback, I receive XXXX Mail from my postal service. Which means, I receive images of my mail, before they arrive in my mailbox. I checked dates given for letters and received absolutely nothing from this company. That is, until today, XX/XX/2023. 
However, I contacted XXXX XXXX  in regards to my XXXX account. 

After searching endlessy, I found emails from XXXX XXXX, in my junk mail ( emails ). 
They offered me a settlement and payment plan, that would remove all late fees and allow me to pay my balance off with them. 
I called, XXXX and spoke with XXXX. She informed me, that a dispute was sent to Portfolio Recovery. She also informed me that, within 60 days, my account should be back with XXXX XXXX  and I should not have to deal with Portfolio Recovery Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
*THIS IS NOT A DUPLICATE COMPLAINT* This complaint is in response to Complaint # XXXX I hope this letter finds you well. I am writing to bring to your attention a serious matter regarding the reporting of late payments on my account. It has come to my attention that the late payments you have reported to the credit bureaus are in direct violation of the provisions outlined in the United States Code, specifically 15 USC 6802.

According to 15 USC 6802, it is illegal to report inaccurate or incomplete information to credit bureaus. Furthermore, Section 15 USC 6802 ( b ) explicitly prohibits the disclosure of non-public personal information without the consent of the individual concerned. In light of this, your disclosure of my account 's experience or transaction information to the credit bureaus, who are non-affiliated third parties, also violates the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my credit report, I have discovered that your company has incorrectly reported late payments for my account. This incorrect reporting has had a significantly negative impact on my credit score and overall creditworthiness. Not only is this a violation of 15 USC 6802, but it also contravenes the FCRA, which mandates the accurate reporting of credit information by creditors.

In accordance with the aforementioned legal provisions, I hereby demand that you immediately update the status of my account with the credit bureaus to " paid as agreed '' within four business days from the date of this letter. Failure to comply with this demand will leave me no choice but to pursue legal action against Apple Card for each violation under 15 USC 6802 and the FCRA. Please Note : Company policy does not supersede federal law.

Please be advised that if I am forced to take legal action, I will seek damages of {$1000.00} per violation, as provided for by the United States Code and the FCRA. I strongly believe that the accurate reporting of my account 's status will rectify the damage caused by your company 's incorrect reporting and restore my credit profile to its rightful state.

To ensure a prompt resolution, I kindly request that you acknowledge this letter within five business days and provide written confirmation of your commitment to rectify the reporting errors. Additionally, I expect written confirmation from the credit bureaus regarding the updated status of my account within ten business days.

I trust that Apple Card, as a reputable financial institution, will handle this matter with utmost urgency and in compliance with applicable laws and regulations. I hope we can resolve this matter amicably without resorting to legal measures. 

Thank you for your immediate attention to this matter. I anticipate a timely and positive response from you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I paid my XXXX  card in full in XX/XX/2023. They had just sent it to a collection agency. XXXX is not reporting my credit card paid in full on my credit report. I have tried to contact them, but get someone with a foreign voice that doesn't understand what I am asking for them to do. I have disputed this 3 times with all three credit bureaus, and they will not update my credit report. This is now causing me to be denied from renting an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I paid my XXXX  card in full in XX/XX/2023. They had just sent it to a collection agency. XXXX is not reporting my credit card paid in full on my credit report. I have tried to contact them, but get someone with a foreign voice that doesn't understand what I am asking for them to do. I have disputed this 3 times with all three credit bureaus, and they will not update my credit report. This is now causing me to be denied from renting an apartment.

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 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
To provide some context, I have thoroughly reviewed my credit report and discovered numerous inquiries and accounts that I did not authorize or have any knowledge of. These items have negatively impacted my creditworthiness and have caused significant distressed inconvenience in my personal and financial life. It is worth noting that these fraudulent entries are clearly not reflective of my credit history and are therefore erroneous AND misleading. Moreover, it is important to note that these inquiries and accounts have bee reported without a permissible purpose. According to the FCRA, credit inquiries AND account reporting must be conducted with a legitimate reason, such as in connection with accredit application or account review initiated by the consumer. In this case, I have neither applied for credit nor requested any account activity that would justify the presence of these items on my credit report. The unlawful reporting of these fraudulent and unauthorized inquiries and accounts not only damages my creditworthiness but also exposes me to potential financial harm. It is imperative that you take immediate action to rectify this situation and remove these inaccurate and unauthorized entries from my credit report. I request that you conduct a thorough investigation into this matter and provide me with a detailed explanation of how such erroneous information was allowed to appear on my credit report. Additionally, I expect a prompt resolution, including the removal of all fraudulent and unauthorized inquiries and accounts, as well as a written confirmation of the correction made. Please be advised that the FCRA provides consumers with certain rights and remedies in cases of inaccurate and unauthorized credit reporting. I am prepared to exercise all available legal options, including filing a complaint with the Consumer Financial Protection Bureau and seeking appropriate legal redress, if necessary, to protect my rights and ensure compliance with the law. I trust that you will treat this matter with the urgency and seriousness it deserves. I expect a prompt response within [ reasonable timeframe, XXXX days ] from the date of receipt of this letter. Failure to address this issue adequately may result in further legal action. I strongly urge you to rectify this violation of my consumer rights promptly and to take all necessary steps to prevent such incidents from occurring in the future.

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 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Delete this account. 


XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX DPT ED/XXXX Account Number : XXXX Delete this account. 


XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX DPT EDXXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX DPT EDXXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Delete this account. 


XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX DPT EDXXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against JP Morgan Chase in relation to my Marriott XXXX XXXX XXXX. I have always maintained a strong credit history, regularly making timely payments on my account, which had a credit limit of {$9000.00}. 

In XX/XX/, I was informed by Chase that all my accounts were being closed. Understanding the situation, I attempted to make payments in person at a Chase branch located at XXXX XXXX XXXX, XXXX, CA XXXX, because I could no longer make payments online due to the closure of my accounts and not having any other bank accounts at the time. Despite my efforts, the bank 's system did not permit me to make payments on two separate occasions. 

Due to these circumstances, I decided to open a checking account with XXXX XXXX in order to continue making payments towards my credit card balance. However, because the account was new, a check was not processed on time, resulting in a non-sufficient funds ( NSF ) decline. Chase subsequently reported my account as delinquent to the credit bureaus, causing a substantial drop in my credit score. This has affected my livelihood significantly. 

I have since paid off the balance of my credit card account, but the negative mark from Chase remains on my credit report, continuing to impact my credit score and financial opportunities. I believe that Chase has not treated me fairly in this situation, particularly given my efforts to make payments despite the obstacles presented by the closure of my accounts. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action. I believe it is only fair for Chase to retract the negative comment from my credit report since the delinquency was not due to my negligence but rather to their system 's restrictions. 

Thank you for your attention to this matter. 

Yours sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023 i was told that someone had empty my balance on my bank of america card and made a claim on the funds. The funds were stolen by someone and that same person tried making a claim on the money. So calling in i tried to figure where my card was and found all this out. Its been 45 days since the claim has been filed and nothing has been resolved. Please 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 monetary relief
Consumer complaint received 2023-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
On Monday XX/XX/, I indirectly received a Summons from the Court of Common Pleas of the State of Delaware for XXXX XXXX. The serving of the summons was unacceptable. This is regarding the XXXXXXXX XXXX account ( account number ending in # XXXX ) XXXX XXXX  sold the original debt to debt collection agency Midland Credit Mangement , Inc ( MCM ). MCM is now trying to sue me, the consumer, for the debt that has already been paid and accounted for. That is a violation. 

There are more violations : 1. I did not receive a written notice of debt from Midland Credit Management , Inc ; XXXX. With the summons I received, there is no conspicuous statement from Midland Credit Management Inc stating that I have the right to dispute this debt ; XXXX. I have not received enough information to verify this debt ; XXXX. Midland Credit Management Inc influenced a Special Process Server/Clerk of the Court ( State of Delaware ) to indirectly speak with a third-party about this alleged debt, as the information was delivered without an envelope and given to someone outside of the person of interest and ; XXXX. This summons/lawsuit was my first time receiving notice of the debt. I did not receive written notification of debt prior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
After receiving at least a dozen direct mail solicitations to open a Citi XXXX XXXX Savings Account, i opened a new account thru their online process, and funded a {$50000.00} deposit XX/XX/2023. After the passage of 90 days, I was to receive a promotional credit of XXXX American Aadvantage bonus miles. I have called and emailed them inquiring of the status, no miles received - and pretty much impossible to get any communication at all going with them. After i have spent 40 years in the financial services industry, i believe my understanding of the way a relationship of this nature should work. I have re-read their mailer closely, and believe i have complied with their program. If i missed something, it should be considered a XXXX violation. I can supply an image of the mailer if needed.

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 2023-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: CO

Complaint narrative:
XXXX - 2018 Amount for {$95.00}. Showed up on my credit pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX & XXXX Account Number : XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 

The inquiry was not authorized XXXX TOY Date of inquiry : XX/XX/2022 Delete this 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 non-monetary relief
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft and I have filed a Identity theft report regarding personal and credit information appearing on my consumer report that are not transactions done by me nor to which I received any benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I closed my check account on XX/XX/2023, US bank said they will send me a check # XXXX with {$3100.00} ( balance ) in 7-10 days. 
I did not receive the check. 
I need call them 10 times and waited 30 minutes per calling, agents did not know how to deal with. Then they asked me to do notary public to state of loss the check. 
In fact I did not receive it at all. US bank checked online and did cancel the check on XX/XX/2023. 
After I sent them notary public XX/XX/2023. They did not send me the check. 
I called again and again, they said we will send. 
However I did not get it at all as today, Note : I did not remember my XXXX XXXX XXXX is the check of US bank that said to be sent to me, but I did not get. 
They can find it XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation