vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-13 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: NE

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My life has completely stopped because not only did boa lock my account over XXXX that.was blocked by them but my balance is getting lower with me not having access since XX/XX/2023 I'm not understanding this I updated my new phone number which was the original reason why they say they couldn't access my information, now their saying I need to go into a bank which I've done twice and the tellers know me wouldn't help me without an ID when they have in the past, this is what the millionaire CEO 'S has done to a XXXX old man on social security, locked me out of my account for XXXX in the past they contacted the business that did this before and got my money back, not this time because there was nothing taken, it is very obvious what their doing, those hundreds of thousands they were ordered to pay back will be coming from Bank of America skimming the remaining clients money, this is as clear to me as the sun in the sky, you time to the right thing has dried up it's now time for someone that has the XXXX save their money or their XXXX, I can't get important information of a lost phone for a aggressive stalking case because the company needs money, I can't connect my connectivity internet fre by the government because it's XXXX to activate, not that I could because my fourty $ has dropped to XXXX and that may be gone by now, I can't get to my very first appointment with a XXXX  to evaluate me with XXXX  to get the proper medication, I promise you boa the XXXX of banking I'm keeping exact note on every day of the XXXX, both physical and mostly mental YOU will be paying for every single day I drink this XXXX out of my system because if not I will sit in my apartment and cry every day

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 2023-09-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX 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

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 2023-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
through PayPal i was meant to receive a {$150.00} payment. the sender claimed to have sent that amount. instead they said they needed to send XXXX more in order to for me to claim the {$150.00}, but once they did i would need to refund them the {$300.00}. i did so, after they said i needed to send it in two payments of XXXX which i did. but then they claimed to have {$500.00} more taken from them. i then realized it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: CBC Companies, Inc.
State: IL

Complaint narrative:
IRS tax code identifies charge offs as gross income, triggering a 1099-C, and subsequently required to be reported on personal tax filing as such. I received a 1099-C for the below-mentioned debt. Therefore, I am disputing the accuracy of the following items on my credit report, as per the FCRA, these reports violate my consent and privacy rights, as I did not authorize my income to be reported in this manner. The accounts in question are as follows 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 I request that you investigate these inaccuracies and promptly REMOVE these items from my credit report as they violate my rights under the FCRA. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 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: CA

Complaint narrative:
See document attached

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: R.M. Galicia, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX, IL XXXX Email : XXXX Phone : XXXX Subject : Formal Complaint Against Progressive Management Systems Dear Sir/Madam , I am contacting you to dispute a debt in collection and to file an official complaint against Progressive Management Systems , citing potential breaches of federal regulations related to debt collection. 

Debtor Information : Name : XXXX XXXX XXXX. 
Date of Birth : XX/XX/1978 Last XXXX of XXXX : XXXX Company Details : Progressive Management Systems ( Known as XXXX XXXX  ) XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX CA XXXX Outlined below are my specific concerns : Debt Validation : I am requesting comprehensive evidence and associated documentation that substantiates the debt they claim I owe. This should include the original creditor 's details, a detailed debt breakdown, and any agreements authorizing Progressive Management Systems to collect this debt. 
Potential FDCPA Violations ( 15 U.S.C. 1692k ) : I believe some actions and communications from Progressive Management Systems may contravene the Fair Debt Collection Practices Act. I urge the CFPB to thoroughly assess these potential infringements and ensure my rights under the FDCPA are not being compromised.

Concerns Under the Fair Credit Reporting Act : I have noticed potential inconsistencies in how this debt is reported on my credit profile. Given the rights and protections under 15 U.S.C. 1681n and 1681o of the FCRA, I seek a rigorous review to determine any possible violations regarding the accuracy and fairness of such reporting.

Communication Preferences : For clarity and effective record-keeping, I request that all subsequent communications from Progressive Management Systems be in writing. I hereby revoke any permission, if provided earlier, for the company to contact me via phone or other electronic means.

Given the potential ramifications on my credit standing and overall financial health, I appeal to the CFPB to prioritize this matter. I am seeking your intervention and guidance to ensure my rights are safeguarded and that any breaches by the company are rectified appropriately.

I appreciate your commitment to protecting consumers and look forward to your guidance on the next steps. 

Warm regards, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
As per RTR 's response of CFPB Complain # XXXX on XX/XX/2023, RTR will be emailing nearly 100 letters to theconsumer later today.As of today XX/XX/2023 RTR has once again fail to provide documents requested and promised by RTR. RTRs failure to produce documents request is a clear violation of 12 C.F.R. 1026.41, violation of California 's Unfair Competition Law ( UCL ) ; violation of Cal. Civ. Code 2923.55 ; and violation of California 's Rosenthal Fair Debt Collection Practices Act ( RFDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: FL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
My daughter and I have a joint cc with Capital One. XX/XX/2023 got letter from Capital One saying a credit card acct opened that we did not recognize, ending in XXXX. We called them to say no, we did not open this account, we think it was fraud. We thought a fraud investigation was opened from that call. We then called XXXX to notify them. We got a letter soon after from XXXX saying this was now closed and was resolved. We requested a statement and were told our cards were canceled out. We waited for quite a few weeks and no statement came. Finally a report came from XXXX and showed that {$30000.00} was charged to the CapOne card and showed other addresses and phone numbers- not ours. We called CapOne to tell them- they said there was no fraud investigation opened and that someone had reopened our account. We said we did not. They said someone did and that we owed these charges. We escalated to the fraud dept. and talked to someone to explain the whole situation again. They said they would investigate. We called XXXX again to remove the fraudulent addresses and phone numbers and tell them what was happening. A few days later we got the CapOne statement and it showed multiple credit cards opened under one account and showed another person 's name on the bill. It showed thousands of dollars charged in Georgia and California. Not once had CapOne called us to ask if these charges were us, or if we had moved out of state or gone on vacation like most cc companies do when there are suspicious charges. We called CapOne to tell them about all the out of state charges and the unrecognized person 's name on the bill and they said that person must have my license and social and there's nothing CapOne can do to help, that we are responsible. We also got a letter from Cap One saying we or another user benefited from these transactions so we owe them. The letter also states that I opened these fraudulent accounts and interacted with this account which is patently untrue. If they just listen to the recordings they will hear this. The unrecognized name that shows up on the bill is a man names XXXX XXXX in GA who is in jail. CapOne has been wholly unhelpful and mostly uncooperative. We asked why there was XXXX XXXX in charges when the limit was XXXX XXXXXXXX for XXXX years and CapOne had no answer. This was gross neglect on their part on many levels.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 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: New Southern Loans, Inc
State: VA

Complaint narrative:
The company refused to honor my privacy protection. They said they was going to report what they want without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: VA

Complaint narrative:
The company refused to honor my privacy protection. They said they was going to report what they want without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America alerted me on XX/XX/23 that a charge of {$160.00} was made to my checking account at XXXX XXXX XXXX in XXXXXXXX XXXX and questioned whether I was making or authorizing this charge, I was not. I promptly reported the charge as fraud. Bank of America informed me that it would be taken care of, and temporarily refunded the amount to my account. However I received a letter in the mail XX/XX/23 that the funds would once again be removed on XX/XX/23 and if I wished to dispute it, to send them a letter. I mailed and faxed a letter on XX/XX/23 to once again dispute the charge as I did not authorize the purchase, and have not received a response.

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 2023-09-13 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:
See the attached documents.

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 2023-09-13 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: MO

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company 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 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

In accordance with the Fair credit Reporting act XXXX  account XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A States I have the right ton 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

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 2023-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: AZ

Complaint narrative:
I got an email from XXXX about possible fraud on XX/XX/2023 and I promptly contacted XXXX and determined it was fraud and was not charged by me and by a company that I haven't heard of before then. The person with XXXX was helpful and I was told my credit card would be cancelled and a new card mailed to me along with a fraud letter. On XX/XX/2023 the unauthorized charges were added onto my balance which would also result in interest on the fraud charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
XXXX sent bill for collections and ignored my request to investigate the charges. Services were cancelled but they continued to charge my credit card. XXXX was charging me and the new resident for the same service. Then they finally issued a disputed amount in the bill that shows I have a net credit but went ahead and reported the balance with credit bureau. XXXX kept closing the tickets as resolved but never reverted back with any findings. 

No notices were received and no one provided any information. Tried to call the debt collector and left numerous messages with XXXX XXXX XXXX ( XXXX ) XXXX XXXX but no one returns my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION
State: MO

Complaint narrative:
Per XXXX credit report payments were made on the Sallie Mae loans in XX/XX/XXXX. 
I need then to provide validity that these payments were made. Provide documentation to support payments were made on these loans. 

Sallie Mae reported the accounts delinquent for XX/XX/XXXX days since no payments were made after XX/XX/XXXX. 

This is a depictive practice, Then they report it as delinquent or charge off. 

They dd not provide verification of a cancelled check, electronic transfer of who made the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: NE

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed 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 non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: QC HOLDINGS INC
State: AZ

Complaint narrative:
I receive phone calls from lendnation multiple times a day everyday. For example XX/XX/2023 three calls, XX/XX/XXXX four calls, XX/XX/2023 four calls XX/XX/XXXX six calls XX/XX/XXXX five calls XX/XX/XXXX three calls XX/XX/XXXX three calls XX/XX/XXXX four calls, XX/XX/XXXX three calls, there are many more and I have them all documented. These calls go back XX/XX/2023. These calls are excessive. And these calls need to stop.

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