vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 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: GA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX I checked out my XXXX XXXX  account, I check it quite often since Ive made a conscious effort to get my credit score up. On XX/XX/XXXX my XXXX credit score was XXXX. Its now down over XXXX points because of a collections account Ive never owned. It states on XXXX XXXX it was opened on XX/XX/XXXX, original creditor is XXXX, and owe a balance of {$280.00}. I contacted the reporting agency which is Jeffersons Capital Agency. Also I must tell you I was never sent any type of a Written Notice about this debt collection.When I called, I could not get a hold of a person and so I had to put in my SS # to find out more about this so called account. Through the phone tree, I requested all information regarding this account and all information on verification of ownership. Im still waiting on all of that. However I can tell you XXXX is a mobile communications company, and Ive never ever been with XXXX. Ive been on a family plan from XXXX XXXX XXXX with my brother XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX. On XX/XX/XXXX to present day, I have transferred to my fiancs plan, XXXX XXXX, whom has been with XXXX. I believe I can get documentation from my brother for the time I was with him, and I can definitely get statements from XXXX Please help me resolve this, its so frustrating after all the hard work Ive been doing for my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2024-02-21 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
Owed a medical bill with XXXX XXXXXXXX that was denied insurance payment. Went to collections with Gulf Coast Collection Bureau during insurance review, although I did start to make payment apparently days before it went to collections. Since XXXX XXXX, I paid in {$100.00} increments with the XXXX in the middle. The entire bill was {$540.00} This was paid in full with a XXXX credit balance on XXXX XXXX. The week prior was {$100.00} payment with a remaining {$200.00} balance. 

On XXXX XXXX, I got another call from Gulf Coast Collection Bureau demanding {$100.00} payment for this acct. I don't know where the additional {$8.00} was from as my odd {$48.00} payment in mid XXXX made the remaining balance at even {$100.00} 's. I received the call from XXXX, once again on XXXX XXXX. 

I advised Gulf Coast Credit Bureau the balance was paid in full with a XXXX credit. She demanded my cc or chequing number to locate the payment ( potentially debting {$100.00} - I refused ) vs the collection company verifying the debt. She then stated if I paid in full, I must have another acct and she demanded payment. I refused and she said Gulf Coast Credit Bureau will be sending a demand letter for payment. Final payment of {$100.00} was paid on XXXX but Gulf Coast Collection Bureau letter dated XXXX XXXX - almost two weeks later. 

I received the demand for payment for {$100.00} on a paid in full acct they were advised was paid. I called XXXX XXXXXXXX yesterday and was verbally told acct had XXXX credit balance and no other accts/amts existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: WA

Complaint narrative:
Global lending marked my account as a charge off and it was actually paid by insurance and gap insurance and they collected over {$13000.00} from the two different insurance from the total loss claim

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX XXXX  Account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX violated my federally protected consumer rights to privacy and confidentiality under 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 an 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 2024-02-21 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:
In accordance with the Fair Credit Reporting Act. XXXX XXXX Account # XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX violated my federally protected consumer rights to privacy and confidentiality under 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Stellantis Financial Services US Corp.
State: NV

Complaint narrative:
Stellantis, did not do their due diligence, I the consumer requested a XXXX XXXX. Please provide me with the name of that individual, their business address, and telephone number. This law is very clear to civil liability and the remedy available to me for me for negligent. Section 617. If you fail to comply with this federal law. I am a litigious consumer and fully intend on pursuing litigation in this manner. To enforce my rights under the FCRA. I demand this account to be verified or 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 2024-02-21 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: PNC Bank N.A.
State: NC

Complaint narrative:
Hi, Im just reaching out to report that shein the company hasnt been very helpful after my package had not arrived but marked as delivered I reached out to them to ask them if they could do something about it they did an investigation after waiting for 3 days I gotten no answer but just a question mark (? ) and I contacted and contacted but they just dont want to refund me I made a dispute with my bank already this is a complaint hoping my bank could resolve my issue. To get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I called Chase Bank about the interest rate charged on my Amazon Prime Credit Card on XXXX. Its currently at 24.49 % which is highest amount possible. After talking to XXXX levels at their customer service I got the ect same response that this rate was the best they could give me and they do a review every 6 months. They said there.was no one else i could appeal to. I have excellent Credit. They offered no other means of contact to dispute the rate. I was unable to contact Chase directly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: MI

Complaint narrative:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. I demand to DELETE the following accounts from my Credit Report!. 

XXXX. XXXX XXXX XXXX # XXXX {$9300.00} XX/XX/XXXX XX/XX/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 2024-02-21 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: MI

Complaint narrative:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. I demand to DELETE the following accounts from my Credit Report!. 

XXXX. XXXX XXXX XXXX # XXXX {$9300.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have had a seurity freeze since XX/XX/XXXX, but Equifax has allowed a new inaccurate trade line from XXXX XXXX on XX/XX/XXXX. Equifax acknowledges it should not have been placed since I have the freeze in place. However, they will not just remove it. Equifax said, I have also file a complaint with The FTC inaddition to the dispute I filled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I went to make a purchase and it came up declined. Called number on card and it comes up saying account is closed. I was never informed anything about account being closed. Account is not past due. Since they closed my account this will hurt my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: FL

Complaint narrative:
In XXXX of 2023, I looked at my credit report and noticed that there were quite a few discrepancies. I reached out to the bureaus but they have not assisted in removing these unauthorized accounts on my report. 

Based on my rights with the Fair Credit Reporting Act Section 1681i, I request you to re-investigate for I am disputing the accuracy of these accounts for the following reasons : XXXX XXXX XXXX-Acct # XXXX Is a total loss vehicle that was supposed to be removed from my credit report a while back. 
XXXX XXXX-Acct # XXXX This is completely inaccurate and inaccurately reporting on my report. 
XXXX XXXX-Acct # XXXX I believe this collection is reporting inaccurately. - Please remove it XXXX XXXX -Acct # XXXX This is completely inaccurate and inaccurately reporting on my report. 
XXXX XXXX- Acct # XXXX I believe this collection is reporting inaccurately. 
XXXX XXXX XXXX- Acct # XXXX This is completely inaccurate and inaccurate reporting on my report. 
XXXX- Acct # XXXX have not been given a chance to dispute according to12 CFR 1006.34 ( c ) ( 4 ) ( i ) - The collection agency isalso violating my consumer rights by using false misleading, harassing, and deceptive means.

Under 15 USC 1681-s2 ( 7 ) ( A ) - the collection agency has no authority to furnish any account to a consumer reporting agency without providing any disclosures required by law which they are in clear violation. I request that you investigate this dispute and take the following action : I Request the account be removed from myreport for this is inaccurate information. 

I urge you to handle this matter with diligence and accuracy. 
Please see the attachments below

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: NM

Complaint narrative:
I did not open these accounts

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 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I received a check on the amount of {$3700.00}. This check was mailed to me priority mail thru USPS. 
I called the bank that the check was written from to verify the account was open and legit. They informed me that the account was open. I used the account number at the bottom of the check. 
I then went to XXXX to cash the check but they couldn't cash it because of the amount. 
So I deposited the check into my account thru an ATM. I only have access to an ATM in this city. The closest bank branch is an hour and a half away and I couldn't make it to the branch before they closed on Saturday the XXXX, Same day I received the check. 
Thinking that if the check was not good, the bank wouldn't cash it and they could go after who wrote the check. 
NO, NOW BOTH OF MY BUSINESS CHECKING ACCOUNTS HAVE BEEN CLOSED AND I HAVE NO ACCESS TO MY MONEY. 
I thought I was doing the right thing and Bank of America screwed me over as hard as possible stating that I am responsible for everything that goes in and out of my account. HOW AM I RESPONSIBLE FOR A CHECK I DIDN'T WRITE AND I HAVE THE LETTER THAT CAME WITH THE CHECK.? 
BANK OF AMERICA IS STATING THERE'S ABSOLUTELY NOTHING THEY CAN DO. 
I HAVE BEEN TOTALLY SCREWED OVER FOR NO REASON ON MY END. WHERE AM I AT FAULT FOR ANYTHING?

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 2024-02-21 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: MN

Complaint narrative:
I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S.

Code 1681i - Procedure in case of disputed accuracy. 

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.

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 2024-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
I request that my account with XXXX XXXX company, XXXX XXXX XXXX XXXX, XXXX, Utah XXXX close my account after XXXX years with them in XXXX. I never received a respond so I called them on XX/XX/2023 and spoke to XXXX different people and was finally sent to the XXXX XXXX department ( XXXX ) XXXX in which I was told handles closing accounts. This was after being on the phone and explaining my situation XXXX time for over XXXX XXXX hours. 

The person told me that I still owe {$100.00} for equipment. I dispute that because I've had the account for over 9 years and up to date with payments at that time. So I agreed to pay the {$100.00} if they would send me a email stating that my equipment bill was up to date. I was told that my account would be closed, but the following month I continued to receive bills from XXXX I call the XXXX  department again after receiving XXXX more bills and ask to speak to a XXXX. While on the phone the XXXX agreed that this should never have happened and he would make sure that the account would be closed and gave me his direct office phone number. ( XXXX ) XXXX. I received a letter from the XXXX  department stating that my account was officially closed. ( See attached ) Then on XX/XX/XXXX I received a letter from XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX ( XXXX ) XXXX stating that I owe {$360.00} from Citizens Bank. I called XXXX and they informed me that this originated from XXXX. I told them that his account was closed and I had correspondence that it was closed. On XX/XX/XXXX I sent XXXX copies of the XXXX closure correspondence I have with XXXX. They informed me that the account number that tie XXXX  to this account was # XXXX. 

I called them today XX/XX/XXXX and they told me that they have not received the correspondence and refuse my request to email them. 

This has gone on for a year and my credit report has not been corrected at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
Ihave been scammed through Cash APP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Service Finance Company LLC XXXX Service Finance Company LLC is erroneously and negligently reporting late monthly payments and fees on my paid-off account XXXX XXXX. The account was paid in full on XX/XX/XXXX and shows a XXXX balance due as of XXXX, however, 3-months after the account was paidoff, XXXX added a charge of XXXX ( XXXX XXXX  ) on my account without my knowledge. The XXXX went unpaid ( since I was unaware ) and XXXX added late fees and charges until their XXXX balance ballooned to {$56.00}! Additionally they reported late payments on my credit report and as a result of their negligence, my credit score dropped significantly causing me hardships in trying to acquire new credit lines, all over a XXXX charge applied 3-months after the account was paid off! This account was opened in XXXX and was never reported late until 3 months later of being closed. 

So based on these facts I demand that XXXX immediately remove the negative tradeline being reported in my credit report so that my credit score stops being negatively affected by t heir negligence. 

Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation