vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I R E C E N T L Y L O O K E D A T M Y C O N S U M E R R E P O R T A N D F O U N D S O M E A C C O U N T S T O B E I N A C C U R A T E. THIS ACCOUNT HAS BEEN OPEN FOR TO LONG SINCE XX/XX/year>2022 THE AMOUNT OF {$5900.00}. IM TRYING TO RESOLVE THE ISSUE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Ca, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Ca, XXXX Re : Dispute of Debt and Revocation of Communication Consent To Whom It May Concern, I am writing to formally dispute the validity of the debt that your organization claims I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. Please consider this letter a request for verification and validation of the alleged debt and a revocation of consent for communication as outlined below. 

Dispute and Validation Request : Under the provisions of the FDCPA and 12 CFR 1006.34, I am requesting the following : Validation of Debt : Detailed information on the debt as required by 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ) ( i ), including the amount of the debt, the name of the creditor to whom the debt is owed, and an itemized statement of the account.

A copy of the purchase agreement between your organization and the original creditor as evidence of your right to collect this debt.

Proof of Licensing and Bonding : Verification that XXXX XXXX XXXX is licensed and bonded to collect debts in my state as required by law. Please provide documentation that demonstrates your compliance with these legal requirements. 
Revocation of Communication Consent : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-52 ( 7 ) ( A ), I hereby revoke any consent I may have previously given for your organization to communicate with me through the following means : Email Text messages Phone calls All future communications regarding this matter should be conducted through written correspondence sent to my mailing address listed above. Failure to comply with this request may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies. 

Conclusion : Please note that this letter serves as a formal dispute and request for validation of the debt you claim I owe. Until you provide the requested documentation and evidence, you should consider the debt to be in dispute and cease all collection activities. 

Thank you for your prompt attention to this matter. I expect a response within 30 days from the date of this letter. If you fail to respond within this period, I will consider the debt claim to be invalid. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America has been reporting nonpublic personal information such as transaction history and much more to third-party non-affiliate companies including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Without my written or verbal consent  or any notification prior to doing so. This is a violation of my privacy under the Privacy Act of 1974 and 15 USC 6802-6805.

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 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX, I went in the XXXX  branch to open an CD account and later that day I proceeded to try an access my mobile banking app. I received an error message, and I was unable to gain access to my account. I called customer service, and they told me I needed to call fraud department, to verify some transactions. I spoke with a customer service representative to verify the transactions, they proceeded to tell me after farther review they have decided to close my account. That in 30 to 60  days I will receive a letter in the mail explaining why, and XXXX receive a certified check with any funds remaining in the account. This all happened randomly on the day after my tax return was deposited into my account. I have been calling XXXX  for the last 2 to 3 months asking for updates, and stating to them I need my money. I have bills to pay, and they have said they have noted and sent an email to escalate the matter so that someone can contact me. No one has contacted me or has helped me with my situation.

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 2024-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Chime Inc.
State: IA

Complaint narrative:
On Monday, XX/XX/year>, I initiated a transaction on Sendwave to transfer {$2000.00} ( equivalent to XXXX Naira ) from my XXXX  XXXX XXXX account to my XXXX Bank account in XXXX. Despite debiting my XXXX  XXXX XXXX account, the funds were not credited to my XXXX Bank account. 

I contacted XXXX Bank in XXXX, which confirmed that they did not receive the transferred funds. Although the Sendwave transfer status indicated completion and delivery, XXXX Bank provided evidence stating otherwise. 

I contacted Sendwave and sought support from them, requesting that they credit my XXXX Bank XXXX XXXX Account as expected. However, they failed to respond to my numerous emails and chat conversations, where promises to resolve the missing funds were made. Later on, Sendwave instructed me to reach out to XXXX Bank in XXXX for a statement of account as proof, which I promptly requested and forwarded back to Sendwave. As of today, Sendwave has not resolved the issue and has stopped responding to my emails. 

I requested an immediate refund of the debited funds back to my XXXX  XXXX XXXX account, but they have failed to either credit the money to XXXX Bank in XXXX or return the funds to the source, which is my XXXX  XXXX XXXX debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I work every day. Monday thru Friday. I travel for my job. They call all day long. Even Sundays. I am tired of the harrasment. I lost my mom 7 months ago and am in no state to be dealing with constant phone calls about a debt thar was made in covid. Leave me alone!! Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
debt collector has tried to collect a debt on a XXXX XXXX that i have never lived in. request this debt collection to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX FIFTH THIRD BANK NA XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CO XX/XX/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 2024-05-28 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: IDAHO CENTRAL CREDIT UNION
State: CO

Complaint narrative:
Idaho Central Credit Union explained over the phone that they would take action to contact the credit bureaus and remove the late payment on my account that was never late. I was never made aware that the account was late and requested that the report was changed. Over the phone, ICCU agreed to remove it, but still has not. This has been an ongoing issue since XX/XX/2023 ( six months ). 

Payment amount : $ XXXX/mo Payment never late. Was not made aware of late payment, as it is set up as an auto pay and did not process a payment. I was never contacted about the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
I've recently received 2 letters associated with the two accounts that are supposed to be closed, on XXXX XXXX my report shows both accounts are closed with a XXXX balance, but I have received two letters from Continental Finance Company associated with accounts ending in XXXX and XXXX, at this point I feel as thow I am being harassed and also it appears that Continental Finance Company is violating FTC XXXX XXXX and XXXX, everytime I request to speak with a Supervisor I'm denied or kept on hold for time periods past 30 minutes, also due to the nature of the associates being from XXXX, I received the impression that the representatives are being bias towards myself because I'm XXXX American.

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 2024-05-28 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: AZ

Complaint narrative:
I looked at my credit report XXXX, XXXX 2024, I noticed some things that are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I sent a letter to Equifax asking them to reinvestigate the completeness and accuracy of my accounts below, XXXX  XXXX XXXX ( Open date is not reporting correctly, date last active, date of late payment is not correct, this account is not accurate ) Capital XXXX XXXX ( Open date is not reporting correctly, date last active, date of late payment is not correct, this account is not accurate ) Capital XXXX XXXX ( Open date is not reporting correctly, date last active, date of late payment is not correct, this account is not accurate ) XXXX  XXXX XXXX ( Open date is not reporting correctly, date last active, date of late payment is not correct, this account is not accurate )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: FL

Complaint narrative:
I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THIS FRAUD ACCOUNT. DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT BY LAW. 

XXXX XXXX XXXX XXXX  XXXX IS FRAUD AND THE CREDITOR AGREED TO DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. 

ACCOUNT BALANCE IS {$7500.00} AND I NEVER KNOW ANYTHING ABOUT THIS CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: ME

Complaint narrative:
I received a payment past due bill on XX/XX/year> for the amount of {$150.00} when I previously paid for the month of XXXX in XXXX. The XXXX XXXX loans are under XXXX XXXX account number is XXXX. I have called them over 10 times trying to speak to a customer service representative in regards to this incorrect billing issue however they hang up on my every single time. There is no way to get any assistance with this company and it is extremely frustrating. I am very upset and frustrated that I can't even get someone to help me with this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
XX/XX/24 requested to open account with Bonus Offer provided Bonus Offer Code to Banker XXXX XXXX He said he would do everything he could to make sure I got the Bonus I asked for proof he had entered the code upon opening my account he said I have already opened the account he made a mistake and the code was not accepted he said he would correct the problem I am seeking reimbursement for the Bonus Offer proof that he entered the Bonus Code to my account I need to know what happened I deserve the Bonus Offer

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 2024-05-28 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XX/XX/year> EXP 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 of 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 non-monetary relief
Consumer complaint received 2024-05-28 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XX/XX/2023 EXP 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 of 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 2024-05-28 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: FL

Complaint narrative:
My consumer report has false information that is portraying my ability to manage credit incorrectly. This is both incomplete and not 100 % accurate, which is a violation of my rights under FCRA.

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 2024-05-28 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: OH

Complaint narrative:
I reviewed my Credit report in XXXX of XXXX and noticed some things were incomplete and not accurate. I sent XXXX  a letter in regards on XX/XX/XXXX certified mail ( Receipt # XXXX XXXX XXXX XXXX XXXX ). XXXX sent a response to me stating that these accounts were verified and accurate when they are not. I sent XXXX  another dispute on XX/XX/XXXX XXXX XXXX Number : XXXX in regards to the investigation results still having inaccurate information. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX BANK # XXXX, XXXX XXXX BANK # XXXX XXXX XXXX XXXX SERVICES # XXXX, XXXX XXXX # XXXX, are inaccurate due to the " Date Last Paid '' reflecting the incorrect dates on all 3 credit bureaus. Also, according to 15 USC 1681s-2, 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. Please refer to the attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: IN

Complaint narrative:
After examining my credit report, I'm troubled to find a late payment notation despite having no history of late payments.

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Advantage Credit, Inc.
State: TX

Complaint narrative:
UNAUTHORIZED INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
We received a gift card from visa for our wedding gift. After opening the cover we noticed the card number was half removed and so is the security code. I've tried several times to send documents and resolve this with XXXX from debit visa to no success. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines the acceptable reasons for obtaining a consumer report. The unauthorized inquiries do not fall under any permissible purpose.

15 U.S.C. 1681q - Obtaining Information Under False Pretenses : Obtaining a consumer report under false pretenses is illegal.

15 U.S.C. 1681i - Procedure in Case of Disputed Accuracy : I am disputing the accuracy of these inquiries and requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: KCB Credit LLC
State: CA

Complaint narrative:
15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines the acceptable reasons for obtaining a consumer report. The unauthorized inquiries do not fall under any permissible purpose.

15 U.S.C. 1681q - Obtaining Information Under False Pretenses : Obtaining a consumer report under false pretenses is illegal.

15 U.S.C. 1681i - Procedure in Case of Disputed Accuracy : I am disputing the accuracy of these inquiries and requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines the acceptable reasons for obtaining a consumer report. The unauthorized inquiries do not fall under any permissible purpose.

15 U.S.C. 1681q - Obtaining Information Under False Pretenses : Obtaining a consumer report under false pretenses is illegal.

15 U.S.C. 1681i - Procedure in Case of Disputed Accuracy : I am disputing the accuracy of these inquiries and requesting their removal.

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