vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-23 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: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
Subject : Dispute of Fraudulent Credit Inquiries on my Credit Report To Whom It May Concern, I am writing to formally dispute several unauthorized credit inquiries listed on my credit report. Upon reviewing my credit report from [ credit bureau name ], I discovered inquiries made by companies regarding applications for cars and homes, which I did not initiate. These inquiries are likely the result of fraudulent activity as I have not applied for any such loans or credit accounts. 

I have already contacted the companies listed on my credit report regarding these inquiries. However, they were unable to verify the legitimacy of these inquiries due to discrepancies in the provided social security number, which does not match mine. This reinforces my belief that these inquiries are indeed fraudulent. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally requesting an investigation into these fraudulent inquiries and their immediate removal from my credit report. Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiries, as well as any supporting documentation I have obtained from the credit reporting agencies and the companies in question. 

I request that the FTC investigate this matter promptly and inform me of the actions taken to rectify these fraudulent inquiries. Please provide me with any necessary forms or instructions to complete this dispute process effectively. 

Thank you for your prompt attention to this matter. Please contact me at [ Your Phone Number ] or via email at [ Your Email Address ] if you require any further information or documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Repeated daily phone calls. It says on their letter I have the right to stop or limit how they contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing to bring to your attention an issue related to my Fifth Third Bank account. I have been a loyal customer since XX/XX/XXXX, and I recently discovered that my account has been charged monthly inactivity fees despite being informed otherwise when I decided to keep a small balance for future use. 
The Fifth Third Bank took money from my account without my knowledge. I opened an account on XX/XX/XXXX and later decided to close it because it is too far from my home, but the bank convinced me to keep a small amount for future use. I was not informed of any fees associated with keeping the account open. A few years later I found out that I only had XXXX dollars left, so my account was charged a monthly inactivity fee that I was not told about and without prior notice. When I asked for a refund, I only received {$25.00} of the total amount back. I contacted the bank branch to discuss this issue. 
I called the Fifth Third Bank branch on XX/XX/XXXX and spoke with the manager XXXX XXXX about closing my account and returning the money by check. The manager promised to close the account if I send him email, because he cant close account by phone, but 23 days have passed by, and this still has not happened. As of today XX/XX/XXXX, my account is still open, and I have no response from the bank. 
I need help getting back the money ( {$40.00} ) they charged for the inactive fee and {$31.00} I currently have on my account. I also want my account to be closed. 
I tried reaching out to XXXX XXXX, the Executive Vice President and Head of Corporate Banking, but have not received a response from him yet. 
I kindly request your assistance in resolving this matter and refunding the dormant account fees. I appreciate your attention to this issue and look forward to hearing from you soon. 

Bank Routing Number : XXXX Thank you for your time and consideration. 
Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a tax refund check in the mail. Opened a chase account, deposited the check on XX/XX/XXXX and they automatically stated the check was fraud and my account was restricted. I called multiple times and every person that answered said something different. The check cleared XX/XX/XXXX, wasnt able to make any transactions. Until i finally went into the bank XX/XX/XXXX the operator the day before said to bring my tax transcripts in to verify my check. The banker faxed the transcripts to a higher up. Called the next day another operator stated they dont even accept paper being faxed in. Banker informed me after all this time that even though my account was restricted i can still withdraw money. The next day chase closed my account with a statement on the account saying debit dda-check charge so i called and they said they was sending a check in the mail. Days go by and nothing. So i called again they said they still cant verify the funds so a check can be mailed out even though XXXX of the operators said she verified my check. Now chase is holding on to my money saying they cant verify it even though i sent documentation and the operator verified my check over the phone. I even had to go into the irs to verify my identity on XX/XX/XXXX. Also have the email dated for that appointment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently reviewed a copy of my credit report and noticed XXXX XXXX XXXX. I have never heard of this company nor did any utility business with its original creditor.

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 2024-06-23 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I recently reviewed a copy of my credit report and noticed XXXX XXXX XXXX. I have never heard of this company nor did any utility business with its original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 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: NY

Complaint narrative:
I am currently in the market to buy a home and I was reviewing my credit report and found some errors on XXXX XXXX XXXX You are reporting information about me which is inaccurate. All three credit bureaus are reporting different HIGH VALANCE, DATE OF LAST ACTIVITY, DATE REPORTED, DATE OPENED, ACCOUNT RATING, LAST PAYMENT, TWO YEAR PAYMENT. All 3 credit bureaus are reporting inaccurate information in this account. As you are aware there can only be one high balance and same date on this account. This account has not been properly verified. PLEASE DELETE the following account immediately for failing to comply with FCRA. XXXX XXXX XXXX THANK YOU FOR YOU TIME This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove this account XXXX XXXX XXXX immediately thanks.

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 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of a collection account listed on my credit report. The account in question is referenced as [ XXXX ] and is attributed to [ XXXX XXXX XXXX ]. 

Under the doctrine of estoppel by silence, as established in XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Despite my efforts to verify the legitimacy of this debt, I have received no documentation or substantial evidence to confirm its validity. 

As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you : Conduct a thorough investigation of the disputed account. 
Provide me with verifiable proof of the debt, including but not limited to : The original signed contract or agreement that created this debt. 
A complete payment history, starting with the original creditor. 
Any other documents that substantiate the legitimacy of this debt. 
If no verifiable proof can be provided, I request the immediate removal of this account from my credit report. 
The continued reporting of this unverifiable debt is causing significant harm to my creditworthiness and financial well-being. If you can not verify the debt within the time frame stipulated by the FCRA, please delete the account from my credit report to rectify this matter. 

Please confirm receipt of this dispute and provide a written statement detailing the results of your investigation. I look forward to your prompt attention to this matter and expect a response within 30 days, as required by law.

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 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of a collection account listed on my credit report. The account in question is referenced as [ XXXX ] and is attributed to [ XXXX XXXX XXXX ]. 

Under the doctrine of estoppel by silence, as established in XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Despite my efforts to verify the legitimacy of this debt, I have received no documentation or substantial evidence to confirm its validity. 

As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you : Conduct a thorough investigation of the disputed account. 
Provide me with verifiable proof of the debt, including but not limited to : The original signed contract or agreement that created this debt. 
A complete payment history, starting with the original creditor. 
Any other documents that substantiate the legitimacy of this debt. 
If no verifiable proof can be provided, I request the immediate removal of this account from my credit report. 
The continued reporting of this unverifiable debt is causing significant harm to my creditworthiness and financial well-being. If you can not verify the debt within the time frame stipulated by the FCRA, please delete the account from my credit report to rectify this matter. 

Please confirm receipt of this dispute and provide a written statement detailing the results of your investigation. I look forward to your prompt attention to this matter and expect a response within 30 days, as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Since this card switch to Barclays it has been a total nightmare. I never make late payments and I actually pay my XXXX card in full each month. Yet with this card I have set-up my account for auto payments several times since XXXX. Each time my scheduled auto debit payment somehow gets totally removed from their system and then I get a late fee notice. This account rarely has charges and when I do have charges and I schedule the payments, those scheduled payments disappear and Barclays says I never scheduled them. 

XX/XX/XXXX charged me a late fee of {$29.00} XX/XX/XXXX charged me a late fee of {$30.00} XX/XX/XXXX charged me a late fee of {$41.00}

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 explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: AL

Complaint narrative:
-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: OH

Complaint narrative:
Equifax is reporting a bankruptcy on my credit report and they put on my credit report the data of furnisher as the us bankruptcy court of XXXX which is false. I have attached a letter from the us bankruptcy XXXX XXXX XXXX Verifying and stating that they do not furnish information to the credit bureaus nor credit monitoring services and they dont validate any information with credit reporting agenices or monitoring services. Equifax is falsely stating this on my credit report any yet to remove it. Equifax also stated that they received their information from XXXX XXXX and the bankruptcy court of XXXX. I have documentation that XXXX XXXX states they receive information from credit reporting agencies. You have The furnisher as us bankruptcy court. Equifax is falsely reporting information on credit report. This is a Violation Under the Fair Credit Reporting Act ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. 
Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. 
XXXX XXXX and 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 2024-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Corp Solutions Inc.
State: AL

Complaint narrative:
-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: CO

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-06-23 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: MI

Complaint narrative:
In accondance with the Fair Credt Reporting act. The Lat of accounts below has violated my federally protected consumer rights to privacy and confidentality under 15 USC 1681. 
Account name : [. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ] has violated my richts. 
I looked at my [. Equifax ] credit report on [ XX/XX/year> ] and noticed some things are incomplete and not accurate. And acconding to the fair credit reporting ad Wheneve a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information conceming the individual about whom the report relates according to 15 USC 1681 ( eXb ). And according to 15 USC 16815 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( Ajin generalit, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2024-06-23 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: Self Financial Inc.
State: AL

Complaint narrative:
-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Collection Management Holdings, LLC
State: AL

Complaint narrative:
-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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