vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
The attached information was sent to XXXX. I sent them all my identification and they claim they can't find my account which is a lie. They also sent the following information to my mailbox after receiving ALL the REQUESTED identification information. 
Please make them delete the information requested due to the creditors not providing a contract of debt obligation with my signature within the 30-day time period per federal law it must be deleted. I sent these letters to XXXX and Experian. They need to follow the law and delete the items immediately!!!! This is their last chance to do right or I WILL FILE A FEDERAL LAWSUIT AGAINST THEM FOR VIOLATING MY CONSUMER RIGHTS. 
THE CFPB NEEDS TO MAKE BOTH OF THESE CREDIT REPORTING ADENCIES REMOVE THE ITEMS IMMEDIATELY. PER FEDERAL LAW THEIR TIME IS UP

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There was XXXX. In old XXXX negative that must stay negative. And ss payment must transfer to new acct. XXXX. 

I just got a new manager XXXX with XXXX XXXX XXXX XXXX I haven't been able to call or go to social security. 

Also no investigation is under way about XXXX. Fraud claim in XXXX XXXX  to XXXX XXXX XXXX. And it is not being credited If this not DONE I WILL FILE A LAWSUIT AGAINST BANK OF AMERICA!! KAPEESH? 
AND I JUST FOUND A S****LOAD OF XXXX LAWYERS XXXX AND XXXX XXXX IS WORKING WITH ME AT COURTHOUSE. SO DONT XXXX  WITH ME!! 
GOOD LUCK, XXXX AND 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
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Despite sheriff report regarding felony identity theft, which was furnished to Transunion, they attempted to collect on behalf of creditors anyway.

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 2024-11-02 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: CITIBANK, N.A.
State: MI

Complaint narrative:
I am writing to formally dispute a fraudulent inquiry on my credit report, specifically the hard inquiries from CBNA dated XXXX, XXXX. I did not authorize this inquiries and I am a victim of identity theft.XXXX  has complied and proceeded to remove the following inquiries from my credit report all while XXXX chooses to willingly participate in fraudulently activities.All of the exhibits needed are will be below. 

Despite previously disputing this inquiry, I have not received a satisfactory resolution. Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation into disputes. Your failure to do so constitutes a violation of my rights as a consumer.

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 2024-11-03 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:
The companies have fraudulently pulled the credit reports. They need to be removed from the credit file. They are violating FCRA 15USC 1681, a, i, e, b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: TX

Complaint narrative:
The companies have fraudulently pulled the credit reports. They need to be removed from the credit file. They are violating FCRA 15USC 1681, a, i, e, b.

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 2024-11-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
I transferred XXXX dollars twice from my ally to my XXXX One in the form of a transfer and one in the form of a XXXX  through a parent so it would be faster. I did this because I accidentally sent XXXX dollars twice from my XXXX to my ally and it went into overdraft. Long story short. Both of the XXXX dollars get to where they need to be with two charges on each account and where the problem comes in is on the XXXX of XXXX I have an XXXX return deduction on my ally. So a third XXXX dollars is deducted only from my ally. I spent XXXX hours in total over the span of a week trying to figure out where the floating XXXX dollars is and I keep getting the run around that it failed and was returned but it never did. I was told twice that it would be in my XXXX and it was and then I was told it would be " absolutely 100 % '' in my ally in a day or two and I waited and it's still not there. the ACH Return is labeled as a deduction as XXXX instead of a credit for a failed transfer. Ally owes me XXXX dollars and before I get my lawyer I'm going through you. I've been sent on a XXXX XXXX XXXX for days between ally and XXXX  and I just want my XXXX dollars back.

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 2024-11-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Credit Collection Services ( CCS ) is currently reporting to XXXX, XXXX, and XXXX XXXX a charged-off collection account concerning an alleged debt owed to XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), CCS is obligated to ensure the accuracy of any information reported to credit bureaus. Failure to do so constitutes a violation of the FCRA. On XX/XX/XXXX, I requested via telephone that CCS immediately investigate this matter and correct or remove the inaccurate and abusive information regarding this account from my credit reports. 

Inaccurate Investigative and Reporting Practices According to my records, the XXXX XXXX XXXX auto policy in question was active from XX/XX/XXXX until XX/XX/XXXX. I informed XXXX XXXX in XX/XX/XXXX that I would not be renewing the policy due to an unreasonable premium increase. The policy was maintained in good standing until its expiration in XX/XX/XXXX, with no lapse in coverage, accidents, or tickets. As of XX/XX/XXXX, the XXXX XXXX XXXX was insured by XXXX XXXX XXXX until it was sold on XX/XX/XXXX, to XXXX. 

Abusive Reporting Practices : CCS is reporting the debt as both a charged-off collection account and a monthly delinquent account. These contradictory statuses are misleading and deceptive, violating 15 U.S. Code 1692e. Additionally, CCS has been reporting this disputed debt to my XXXX credit file up to XXXX times per month, every month since XX/XX/XXXX. This pattern is evident throughout the payment history, with multiple entries for the same month, inflating the perceived severity of the delinquency and violating 15 U.S. Code 1692d, which prohibits harassment through abusive collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: CA

Complaint narrative:
Complaint Letter to CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, CA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : XXXX XXXX Equifax Credit Reporting Agency for Violation of FCRA Section 611 ( a ) ( 5 ) ( B ) Dear CFPB, I am writing to file a formal complaint against Equifax reporting agency for violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ). 



I previously disputed an account XXXX XXXX XXXX bank account number XXXX on my credit report, which was found to be inaccurate and subsequently removed. However, this account has been reinserted into my credit report without any notification from Equifax within the required five business days. This action is in direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates that consumers must be notified if previously removed information is to be reinserted into their credit report. 
The lack of notification has caused unnecessary stress and potential harm to my credit standing. 
I have already contacted Equifax regarding this issue but have not received a satisfactory resolution. Therefore, I am seeking your assistance to ensure that Equifax complies with FCRA regulations and corrects this issue immediately. 
Attached is a screenshot of the account reappearing on XX/XX/year>, including my initial dispute letter, and FTC identity theft report. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: FL

Complaint narrative:
I haven't seen any updates on my Experian report, I would like for these items to be released from my report. Please provide me with a copy of my report. I am a victim of identity theft and this isn't fair to me at all. I am demanding removal.

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 2024-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
This in regards to an account that was sold to you by XXXX credit. I have disputed this account several times to the creditor and they refuse to send me any proof of why they believe this is my account just statements. I have never done business with this company before, nor have I accepted ownership of this account. They claim that I have but I do not know why its so hard for them to believe that my identity was stolen even after submitting several legal documents proving that the address, phone number, name was all identity theft and that this account is proof of that. In the last communication It was stated that I made a CFPB complaint to this company in XXXX but I did not which is furthermore proof that it is identity theft.

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 2024-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( Mo ) XXXX XXXX, XXXX - presume that proof of the alleged Debt, Nor therefore any such debts in fact therefore Exists XXXX XXXX XXXX  Opened XXXX XXXX XXXX XXXX Opened 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 2024-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
TD Bank provided an auto loan which was paid off. They reported it as late and unpaid and stopped reporting despite the loan being paid in full. 

They also had telephone lines that had well over an hour wait times making it difficult to deal with. Additionally, they would transfer or hang up on me continually. 

They are a terrible organization and not reputable .they have XXXX XXXX in fines with the government this year alone and should be barred from taking advantage of people and hurting them without reprise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: 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.

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 seven 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 explanation
Consumer complaint received 2024-11-02 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: NC

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2024-11-02 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:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : 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 XXXXXX/XX/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 2024-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
What had happened is that I tried purchasing a coach hand bag from a company through instagram and they were adamant in using XXXX as a form of payment. Then just further down the line they requested more money for frivolous reasons and started to seem as a overpayment. I had used Chase Banking to give these people the funds necessary to complete the transaction. i had first contacted them on XX/XX/year> and XXXX them {$160.00}. A couple days after they had not contacted me at all then requested for me to send them {$75.00} for " shipping protection '' which I had sent them on XX/XX/year>. They had claimed they did not receive the payment and started to get aggressive with me, as it did show as pending I had done another XXXX payment to someone I did know to ensure it was working and it did. This is when I knew of the scam they had been pulling, they previously requested for me to send them more money so they can refund me my own money I had already given them. After all of this I had reported this interaction to Chase Bank, and filled a compliant of scam and fraud but even with all the evidence, receipts, email, names, transaction history, and scamming behavior they were unwilling to provide a XXXX refund on the scam even thought they were a company acting as a individual, requesting XXXX they were a entity with the backings of a company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: MD

Complaint narrative:
I just recently looked at my credit report. I saw some inquiries that did not have permissible purpose. can you reinvestigate the inquiries listed below i also attached the evidence. 

XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX these inquiries has no permissible purpose to be on my report delete these inquiries due to violation of 15 USC 1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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:
Dear Experian I am writing to formally dispute unauthorized inquiries that appear on my credit report, as well as to assert my rights concerning the documentation you may request from me in relation to this dispute. 
Upon reviewing my credit report, I have identified the following unauthorized inquiries : Company : XXXX XXXX XXXX Date of Inquiry : XX/XX/year>. -- - XXXX XXXX XXXXXXXX XXXX/ Date of inquiry : XX/XX/year> -- - I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Reporting Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for investigating my dispute is not only unnecessary but also places an undue burden on me as a consumer. 
I expect you to adhere to the FCRA 's guidelines and conduct a thorough investigation into the unauthorized inquiries without requiring any additional reports from me. Failure to do so may result in further action on my part to ensure my rights under the FCRA are upheld.

Please acknowledge receipt of this leter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as stipulated by the FCRA. 
Thank you for your immediate attention to this mater. I trust that you will handle this dispute with the seriousness and urgency it warrants

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: NV

Complaint narrative:
I reviewed a copy of my credit report and found a account I have no know of XXXX XXXX XXXX XXXX XXXXXXXX Amount {$2300.00} This account is located on my credit report attached to a name that is not mine This is a fraudulent account please delete this account 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