vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$5400.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$930.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$670.00} XX/XX/XXXX XXXX XXXX  XXXX {$450.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-09 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: NC

Complaint narrative:
I have not been supplied of proof under the doctrine of estoppel by silence. XXXX v XXXX ( mo ) XXXX XXXX XXXX, XXXX,/ presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists. '' I am aware of the Fair Credit Reporting Act ( FCRA ), particularly Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( C ), which prohibit furnishers from reporting data they know or believe to be inaccurate to a Credit Reporting Agency ( CRA ). As per the FCRA, if a consumer notifies a furnisher of incorrect information, the furnisher is obligated to cease reporting this misinformation. 
Non-compliance with the FCRA can lead to legal action from the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), state governments, or directly from consumers. The FCRA specifies maximum penalties of {$4700.00} per violation for lawsuits initiated by the FTC. 

The incorrect listings on my credit report have a negative impact on my credit standing. I am concerned that I may be mistaken for someone else with a similar name in my city or state. It is important to note that these inaccuracies are not reported by other credit bureaus.

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 2024-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: TN

Complaint narrative:
On XX/XX/24 I had my paycheck directly deposited into my online account with MoneyLion.. It was in the amount of {$1300.00}. On the morning of XX/XX/24 I woke up and was unable to access my account. I called the institution and was advised my account was place on hold for suspected fraudulent activity. I was advised that I would have to submit several documents including a valid state ID, proof of residency, a notarized letter from the third party authorizing the deposit made to my account and a copy of the third partys valid state ID. 
The third party is my employer and I do not have access to their state ID. 
I have submitted what I could ( my ID and proof of address ). 
I received a reply now requesting I send a picture of myself holding my valid state ID with todays date as well as a picture of the third party holding their state ID with todays date.

I dont understand how this is even legal for them to do.

I just want to access my funds, it is my money that they wont allow me access to.

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 2024-03-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I opened a XXXX mos CD for {$650000.00} with Ally Bank XX/XX/XXXX expiring XX/XX/XXXX with an interest rate of XXXX % apy and a rate of XXXX % and a loyalty rate of XXXX %. I closed the account XX/XX/XXXX and only received an amount of {$670000.00} ( XXXX interest ) I called Ally to complain that the interest was not correct. I was given a case number and was told they would let me know. They contacted me a week later and said the amount they gave me is correct to which I disagreed. I asked for my case to be escalated and asked why I never received a renewal document. I now wanted them to send it. I received another case number and was told my case would be escalated again. I would be contacted on 7-10 business days. That was XX/XX/XXXX and called 2x more and they still have no answer. Interest is compounded daily. On my detail page, it displays {$87.00} daily rate. 
Is this happening only to me or millions of consumers?

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 2024-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Atlantic Recovery Solutions LLC
State: IN

Complaint narrative:
I received this voicemail on XX/XX/year> from an XXXX XXXX regarding some debt owed supposedly. My voicemail is a shared voicemail for multiple people in my home therefore multiple people have access to said phone, it does not have a greeting on the voicemail and is a direct violation of the FDCPAs guidelines regarding voicemails considering the fact he disclosed he is a debt collector attempting to collect a debt, as well as threatened to verify my employment. This is not considered a limited content message.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2024-03-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Klarna AB
State: CA

Complaint narrative:
I made an in-store purchase at XXXX. Klarna was chosen at checkout as my preferred form of payment. I was provided a digital Klarna visa card which I used to purchase my items in the amount of {$310.00}. A week later, I returned the item to XXXX. The systems between XXXX and Klarna did not sign the refund. Klarna is still trying to charge me for a purchase that was returned. I did not find this out until almost XXXX  months after the return had been made. XXXX is requesting the digital Klarna card, Visa numbers so that they can process a refund. Klarna is unable to provide me with these numbers. He said it is something that they are not authorized to see as theres a XXXX time visa card. I do not understand how a company is providing payment options but they do not have the information that the payment was made on. Because XXXX unable to issue the refund without the information, Klarna is continuing to charge me. I have submitted multiple claims with Klarna spoke to multiple representatives where they said, there is no one in claims that I can actually speak to. There is no one who is a supervisor that I can speak to there is pretty much no one can speak to that has any type of authorization to do anything to resolve this issue. Continue to send me a message from claims requesting information such as the delivery date that my items were delivered and screenshots of my online order. I reiterated multiple times that this was an in-store order. They offer in-store Klarna Visa cards to use at the register, but yet they close my claim stating I am not providing them with the online information so my claim is denied. Ive been going in circles with this company who seems like a complete scam stealing, peoples money and charging them when they can not provide the information required for payment. Klarna will not steal anymore of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
On XX/XX/2023, my partner and I received a debt notification from " Columbia Debt Recovery LLC DBA Genesis " along with a statement for a " move out cleaning fee '' of {$150.00} from XXXX XXXX XXXX. We responded and formally disputed debt the same day. In the dispute, we made them aware that the debt collection is unlawful as per the California law Civil Code 1950.5, " tenants are not responsible for ordinary wear and tear, and no charges for cleaning of wear and tear are allowed... The burden of proof lies with the landlord to provide evidence supporting any cleaning charges. '' In light of these legal requirements, I requested they provide me with an itemized statement as specified by California Civil Code 1950.5, Section F, including the texts of paragraphs ( 1 ) to ( 4 ) of Subdivision ( b ). I also requested to include the necessary documents as outlined in Section G of the civil code, providing a clear breakdown of charges incurred for cleaning that they are claiming are beyond wear and tear, including the details of the work performed or the invoices/receipts from the relevant service providers.

To assist in reviewing the relevant laws and guidelines, in the dispute I included the website link to California Civil Code Section 1950.5, which can be accessed at [ XXXX XXXX XXXX XXXX XXXX XXXX ]. Additionally, I provided the website link to California 's Tenants and Landlords Rights and Responsibilities guide, which can be found at [ https : //www.courts.ca.gov/documents/California-Tenants-Guide.pdf ]. 
The debt collector sent the invoice, rental agreement lease and move out statement however failed to provide what is required by California Law which is an itemized statement required to show damage beyond wear and tear which requires a professional cleaning. I made them aware that it is lawfully required to show exactly what was done to fix the apartment, a blanket cleaning fee does not suffice the requirement. I also made them aware that to continue to ask for this payment without the required documentation is now a violation of California 's Rosenthal Fair Debt Collection Practices Act.

Instead of receiving an answer with the lawfully required documentation, the debt collector sent the collection amount to the Credit Bureaus and the derogatory mark of the debt appeared on our credit reports. In addition, the debt collector did not tell the Credit Bureau 's that we were formally disputing the debt, which they are legally required to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: VA

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. 
DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX has violated my rights. 

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 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 2024-03-09 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: EdFinancial Services
State: TX

Complaint narrative:
I have no knowledge of these people my information has been given out without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX I submitted my rent payment using my XXXX XXXX with the rent protection feature turned on. I updated my rent protection payment account on XX/XX/XXXX, however, XXXX did not debit the new account, instead, XXXX attempted to debit the old account on file. I was informed of this issue on XX/XX/XXXX and after several emails and chats, a representative by the name of XXXX confirmed that XXXX would reattempt to debit my account on XX/XX/XXXX. However, on XX/XX/XXXX I received an email from a rep by the name of XXXX asking me to change my account to pay my rent, I emailed him back asking for an explanation but did not get a response. On XX/XX/XXXX I also spoke to a live agent named XXXX, who was incompetent and stated that an account number that's not even mine was debited. I informed them that the information she had was wrong, and she immediately disconnected the chat. A few hours later I received XXXX sent an email stating that my rent was still processing. However, my landlord confirmed that the rent was in fact returned on XX/XX/XXXX. Now I'm forced to pay fees due to this issue. 
I can't speak to anyone to resolve this issue because XXXX doesn't have a customer service line and no one has responded to my multiple emails and chat requests. XXXX needs to resolve this issue and fix my rent payment. I also need to be compensated by XXXX for all the late fees and additional fees I have and will have in the future do to being locked out of my rent portal. If this is not addressed immediately, I will turn this matter over to the attorney general and the FTC.

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 2024-03-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: International Computer Systems, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX is NOT my school! 

I made the mistake of applying to this school last year. That is ALL I did. 

I did not register at that school. 

I did not attend class at that school. 

I did not sign any type of agreement with that school. 

What I have concluded is that this school ( under no ones authority ) tried to steal my Grant money. It appears they stepped in and claimed to the Federal Government that THEY were the school Ii would be going to and my Grant money should come to them. This was a lie. This is a SCAM.

Again, I never paid a registration fee or even registered to go to that school. All they had was my initial application ( of which XXXX other schools did as well ). I did not choose those schools either. And this problem did not arise with those schools.

It appears they made up fake classes, pretended like I would be going to that school to the Federal Government and then tried to charge me for those classes so they could obtain my Grant money.

If you look at my Federal Pell Grant on the Federal Student Aid website you will see there name is there and it should not be since I had nothing to do with that school. Why is there name even on my dashboard or profile. I was NEVER registered at that school!!!!!!

I am guessing a few months later once the Federal Government received a request from MY school ( XXXX XXXX ) that is when the funds were then moved to the correct school. 

XXXX is now trying to charge me over {$2000.00}. 

Again, I did not register with the school, I did not take classes at the school, I did not sign anything with that school or have any type of agreement with them.

And now they are even sending this amount they claim I owe ( for nothing ) to a collection agency affecting my credit report. I complained to the collection agency but they never replied.

This is a complete and total SCAM they do with people who apply and then choose a different school.

That is why I now need to help of a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Good afternoon I received an email on XX/XX/year> stating that I owe Bank of America {$4600.00} with account ending in XXXX and this is inaccurate information that doesnt belong to me. I been trying to fight this for a while and really trying to get this off my credit report. I havent received any updates or further information. I called customer service and sent emails also. 
Respectfully

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states that " Holding consumer reporting agencies accountable for their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and JPMorgan Chase & Co is the furnisher financial institution and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' JPMorgan Chase & Co is a financial institution by definition under title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' JPMorgan Chase & Co the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX, JPMorgan Chase & Co whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' JPMorgan Chase & Co NEVER informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.

15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

JPMorgan Chase & Co, XXXX, XXXX, and XXXX are not maintaining reasonable procedures. I want my consumer report updated to paid as agreed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: MD

Complaint narrative:
congress has made it clear that there is abudant evidence of the abusive deceptive and unfair debt collection practices by debt collectors like PORTFOLIO RECOVERY ASSOCIATES LLC.Thank you for providing me with the documentary evidence of federal violations in the collection of an alleged debt PORTFOLIO RECOVERY ASSOCIATES LLC is not licensed to collect any debt in the XXXX VA .I will need them to provide more documentary evidence of federal violatios so i can continue to add to my small claims court lawsuit against PORTFOLIO RECOVERY ASSOCIATES LLC for the following FEDERAL VIOLATIONS.

15 USC 1692 B, C, D, E, F, 18 USC 1001 IM REQUESTING THE COMPANY READ THESE US CODES AND TAKE SERIOUSLY BECAUSE THIS COMPANY IS IN VIOLATION CLEARLY

Company response to consumer: Closed with explanation