vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
At Bank of America on XXXX XXXX in XXXX, XXXX I went to cash a live checkmy XXXX bonus from work. The company I work for banks with Bank of America. For 7 years in a row Ive been able to cash my check at Bank of America using my drivers license. This year they said its not something they do or are able to do. The bankers that helped me are XXXX and XXXX. XXXX was the one who cashed my check last year, this this is extra confusing to me. 

Its common to be able to cash your check at the bank from which it was written even if you dont bank there yourself, so this is very confusing to Me. 

And it says on the check payable at any Bank of America NA location, if desired. I will attach a photo This put me and my family out.

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 2024-12-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> Portfolio Recovery Associates XXXX XXXX XXXX XXXX, XXXX  XXXX Account # XXXX ( SS # ) To Whom It May Concern, I hope this message finds you well. I am writing in response to a recent debt collection letter from your office regarding a debt. I do not recognize this debt, and I am formally requesting validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 

To Clarify this matter, please provide the following : Creditor Information : The name and address of both the original creditor and the current creditor.

Debt Verification : Documentation verifying the amount you claim I owe and proof of a valid contract establishing this debt. 
Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency.

Proof of Securitization : Evidence that this debt was secured by the original creditor, as stipulated in the Truth in Lending Act ( TILA ).

Assignment Details : Documentation of any assignments of the debt from the original creditor to any secured trust and any subsequent transfers. 

Until you have provided the requested validation, I respectfully request that you cease all collection activities related to this account. If you can not provide sufficient validation, I expect the account to be removed from your records. 

Additionally, please refrain from accessing my credit report or reporting this disputed debt to any credit bureaus. If this alleged debt has already been reported, I request that my dispute is clearly noted in the report. 

Permissible Purpose : Please clarify the permissible purpose under which you accessed my credit information, as I dispute the validity of this claim. 

If you choose to transfer or sell this account to another agency, please inform them of any dispute regarding this alleged debt. 

Thank you for your attention in this matter. I look forward to your prompt response to resolve this issue amicably Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2024-12-23 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-23 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: AL

Complaint narrative:
Ive identified hard inquiries on my credit report that I did not authorize. Under 15 USC 16c-2, this information is inaccurate and must be corrected by removing the inquiries.

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 2024-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: GA

Complaint narrative:
I filed XXXX  that has been XXXX since XX/XX/year> and I have contacted XXXX, XXXX since XXXX  and I have disputed this for years and it keeps coming back verified Ive contacted the is XXXX  court and the court doesnt report to any credit agencies therefore my information was obtain without my consent or permission and I want it deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: GA

Complaint narrative:
I filed XXXX  that has been XXXX since XX/XX/year> and I have contacted XXXX, Experian since XXXX  and I have disputed this for years and it keeps coming back verified Ive contacted the is XXXX  court and the court doesnt report to any credit agencies therefore my information was obtain without my consent or permission and I want it deleted 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 2024-12-23 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: VA

Complaint narrative:
Kindly examine the fraudulent and suspicious items on 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 2024-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Reviewing my credit report revealed accounts I do not recognize or consent to. I ask for their prompt removal as they are fraudulent.

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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting me as a authorized user for account number XXXX I did not give permission to be added to this account and do not wish to be a user of 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 2024-12-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My credit card was fraudulently used at the XXXX XXXX in XXXX at XXXX XXXX on XX/XX/2024, for {$1000.00}. I never authorized this purchase. My card was in my possession at the time, and I was at workwhere I have camera proofwhen the transaction occurred. 
Bank of America has denied my fraud claim and is refusing to take responsibility for the unauthorized transaction of {$1000.00} on my credit card. 
To pursue a second appeal with a high chance of winning this case, I would like to file a police report. However, before going to the police department, I need to provide bank statements and the Bank of America fraud affidavit form to complete the report. Unfortunately, I was unable to obtain a copy of the fraud affidavit form from either the Bank of America branch at XXXX XXXX XXXX in XXXX or from the Bank of America Claims Resolution Department ( XXXX and XXXX ), as they did not have it available. As a result, I could not file a police report at the XXXX XXXX because the officers stated they only accept the official Bank of America affidavit form. 

A representative from the Claims Resolution Department advised me to file the police report on the police department 's website. Unfortunately, I was unsuccessful again, likely because the value of the fraudulent transaction exceeds {$1000.00}

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 2024-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Account # XXXX [ Your Name ] XX/XX/2024 Re : Request for Debt Validation Account Number : # XXXX Dear Portfolio Recovery Associates, I am writing to formally request validation of the debt you claim I owe, associated with the account number referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request documentation that verifies the validity of this debt. 

Specifically, I request the following information : 1. A copy of the bill of sale or assignment that demonstrates your ownership of the debt. 
XXXX. The complete chain of title for this debt, showing all transfers and assignments leading to your ownership. 

As stated in FDCPA 807 ( 2 ) ( A ), it is illegal for a debt collector to falsely represent the ownership of a debt. If you claim to own this debt, you are required to provide documentation that substantiates your ownership. Failure to do so may constitute a violation of the FDCPA. 

Until you provide the requested documentation, I ask that you cease all collection activities regarding this debt. If you are unable to validate the debt, I expect this matter to be closed, and all records related to this claim to be removed from your files and from any credit reporting agencies. 

Please respond to this request within the 30 days required by the FDCPA. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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.

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-12-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: RI

Complaint narrative:
Dear CCS Collections Company/ XXXX XXXX company ; I never had any relationship with XXXX XXXX and never owed that alleged {$450.00}. Basically I am disputing the alleged debt reported by your company. This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company. 
This reporting violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the validity of this claim, I request the following documentation : 1. Proof of authorization to collect under 15 U.S.C. 1692e and 1692f. 
2. Legal basis for attempting to collect, including applicable statutes. 
3. Proof of authorization to operate in my state. 
4. Evidence of the alleged debt, including any contract or agreement bearing my signature. 
5. Full account history, including charges, fees, and payments. 
Under FDCPA 1692g ( b ), you must provide this validation within 30 days. Failure to do so will result in the account being considered invalid. Non-compliance with FDCPA 1692d, 1692e, and 1692f will be construed as unlawful conduct. 
Moreover, under the doctrine of estoppel by silence ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX ), as I have not acknowledged any debt, I will presume no debt exists if no evidence is provided within 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I had bought tickets for a XXXX XXXX concert through XXXX. Unfortunately it was fraud. I have submitted a complaint through XXXX and a fraud case through my Huntington acct. They will not refund my money. I have requested the money back from the seller and they have blocked me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
As of XX/XX/2024, I had XXXX active CC numbers on my American Express ( AMEX ) account : On XX/XX/XXXX, I called AMEX and cancelled all existing and old credit card numbers on my account and requested XXXX new cards with XXXX new numbers. I requested that no more charges of any kind be allowed to be charged on the old numbers. I was issued XXXX new numbers and XXXX new physical cards. 

On approximately XX/XX/XXXX, I received a notice of a new charge posted to my account in the amount of {$110.00}. This charge showed up on my account as posted to my NEW Credit card number. 

I called Amex and asked them how this charge was allowed to my account on my new CC number. 

The representative replied that if it is a recurring charge then AMEX will provide my new CC number to the vendor. They said this is done for my benefit so that recurring charges would not be rejected when a credit card number is cancelled. That is why this new charge showed up on my bill as being associated with my new card number. 

I told AMEX that I had not given them permission to provide my new card number to anyone. AMEX then cancelled my XXXX active card numbers and issued me another new card. 

I contested the charge, stating that I had cancelled the card numbers and requested that no new charges be allowed. AMEX has refused to refund my money, saying the charge was valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-23 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: TX

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXX credit card is reporting me as a authorized user for account number XXXX I did not give permission to be added to this account and do not wish to be a user of this account.

Company response to consumer: Closed with non-monetary relief