vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First National Collection Bureau, Inc.
State: MD

Complaint narrative:
I received a text message on XXXX XXXX XXXX XXXX XXXX XXXX from FNCBNV who identified themselves as a debt collector. I was given a reference code XXXX XXXXXXXX to log onto their website with. I logged in using the reference code and was forced to make an account. Once the account was established, I saw that FNCBNV is attempting to collect on an old debt on behalf of another debt collector XXXX XXXX XXXX XXXX for an amount of {$3500.00}. I called FNCBNV at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to discuss this with a representative and the phone disconnected and I am not able to reach another representative. I would like ALL communication and collections efforts to stop on this account as it is past the statute of limitations and has been written off as a loss by the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I have no knowledge of this account and have never conducted any transactions with [ Creditor ]. I have reviewed my financial records, and there is no history of this debt in my name. I believe this may be a case of mistaken identity or inaccurate reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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 am writing to formally dispute accounts that have been reported by your agency on my credit report. ( The accounts referenced are attached ). The accounts referenced was opened or charged fraudulently as a result of identity theft, and I request that it be permanently removed from my credit report. Please note that I have never opened or authorized these accounts. I discovered this fraudulent activity while reviewing my credit report, and I immediately filed an identity theft report ( The affidavit is attached ). In accordance with the fair credit reporting act ( FCRA ) and the fair debt collection practices act ( FDCPA ), I am requesting the removal of these accounts 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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: Affirm Holdings, Inc
State: OH

Complaint narrative:
This company has violated my rights and FCRA. The company has charged off an account which I did not consent to. According to Federal Credit Reporting Act Section 605B. It is illegal to report information on my credit report without my permission. Also, the company charged off the account with giving me a copy of my 1099C. If the company wrote it off on their taxes I was suppose to receive a 1099C. Which I am supposed to claim on my taxes as income.I still have a balance stating I still owe the money but it was wrote as charged off. On my credit report it is stating otherwise and is not accurate. This is statutory damages and actual damages for reporting incorrectly to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXX XXXX  I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2024-09-30 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I disputed a charge and provided the necessary paperwork to validate my claim. Chase came back and said the claim was not valid a provided me with a receipt from the merchant. I called in to get additional clarification, explained to the agent the situation and they told me to upload my additional supporting document. After sending in the additional details, I spoke with an agent named XXXX who just told me there's nothing they could do. I asked on how I could appeal the decision and they told me there's no way to appeal the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX I started an ACH Transfer from my bank accoun in XXXX to my girl PNC Bank for {$600.00}, same day they rejected it and charged me {$25.00} overdraft fee for a automatic payment I was not expecting, even when we supposed to have a overdraft protection. I deposited {$450.00} and my girl write a check from XXXX because we join that bank account to be deposited in PNC again, in her bank account for {$570.00} on XX/XX/XXXX and it was rejected the same day even when the money was available. On XX/XX/XXXX, the banck charged us the same check and the same ACH transfer agian, my girl received {$570.00} from the check but not the ACH transfer and they charged us {$25.00} dollars again for overdraft. I went to XXXX branch, explain what was happening and they told that it was to late stop the transaction, they reversed me the {$25.00} over draft fee and requested to remove that over draft protection it was not covering any over draft but I already wrote 3 checks, 1 for {$100.00}, 1 for {$150.00} and the last one {$200.00}, the 2 first ones was rejected and I eceived again two over draft fees for {$25.00} each one. After 7 business day, today XX/XX/XXXX we still waiting the {$600.00} in my girl bank account or reversed in our bank account in XXXX. They told us that PNC bank have the money, sent me a proof that the money was sent it. We went there and they said they don't have that transaction on their records, so now XXXX and PNC are traying to pass their responsability and nobody know where is my money. I am receiving late fees because I couldn't pay my bills plus the overdraft I am receiving so I don't know what to do. Please hlep us!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: Experian Information Solutions Inc.
State: CA

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. 

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 2024-09-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX ID : XXXX DOB : XX/XX/XXXXXXXX  SSN : XXXX ID Type : Driver 's License ID Number : XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , AZ XXXX ( XXXX ) XXXX I am writing this letter to request an investigation of the following information that appears in my XXXX XXXX XXXX consumer report. I have identified several inaccuracies that need your immediate attention and resolution. 


Bank : BANK OF AMERICA CALIFORNIA ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : BANK OF AMERICA CALIFORNIA ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : BANK OF AMERICA CALIFORNIA ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : BANK OF AMERICA CALIFORNIA ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX CALIFORNIA ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX CALIFORNIA ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX CALIFORNIA ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX CALIFORNIA ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX CALIFORNIA ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX NEW YORK ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX NEW YORK ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : 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  I want to clarify that I have no association with these accounts and did not provide any personal information to open them. It appears that these accounts have been opened fraudulently, without my consent. I kindly request that you investigate this matter and remove these accounts from my report. Enclosed are copies of my identification and any other supporting documents that may assist in your investigation. I would appreciate your prompt attention to this matter, as it is crucial for my financial well-being. 

Thank you for your assistance. I look forward to your timely response. 



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
Consumer complaint received 2024-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Someone broke into my home and had access to my phones and all records. They hacked my bank account and opened a new debit card in my name and set up their own pin. They then used about {$12000.00} and the bank is denying my claims saying since it was done with a pin there is nothing they can do - XXXX XXXX XXXX XXXX XXXX during this entire time that all the money was spent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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:
I am writing to formally dispute the continued reporting of the following accounts on my Experian credit report : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX These accounts are being reported inaccurately and should be removed from my credit file. Both XXXX and XXXX have already deleted these items from my credit reports after verifying that the information was incorrect. Therefore, Experians continued reporting of these accounts constitutes non-compliance under the Fair Credit Reporting Act ( FCRA ). 

Violation of 15 U.S. Code 1681n : According to 15 U.S. Code 1681n, Experian is liable for willful noncompliance if it fails to ensure the accuracy of the information it reports. Willful noncompliance includes the negligent or reckless reporting of false information. Under this statute, I am entitled to seek compensation for damages, attorneys fees, and potential punitive damages if this issue is not resolved. 

Given that both XXXX and XXXX have deleted these accounts based on their inaccuracies, Experians failure to take similar action is not only inconsistent with industry standards but also a clear violation of the FCRA. Credit reporting agencies are required to report accurate and verifiable information, and Experian 's continued reporting of these erroneous accounts is damaging to my financial standing. 

Request for Immediate Action : In accordance with the FCRA, I am requesting that Experian promptly remove these accounts from my credit report. Additionally, I request that you provide written confirmation once the deletions have been completed and an updated credit report reflecting these changes. 

To assist you in your investigation, I have included copies of the deletion notices from XXXX and XXXX regarding these accounts, as well as a copy of my Experian report where these errors are still listed. 

Conclusion : If Experian does not resolve this dispute and delete the inaccurate items, I will consider pursuing legal action for willful noncompliance under 15 U.S. Code 1681n, which could include seeking actual damages, attorneys fees, and punitive damages as provided by law. 

Thank you for your immediate attention to this matter. I look forward to your prompt response confirming that the errors have been corrected.

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 2024-09-30 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: NY

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-09-30 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: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-09-30 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: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have checked my credit report and noticed numerous billing errors. The late payments are inconsistent with my regular payment history.

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