vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This letter is a follow up to my original letter dated XX/XX/XXXX XX/XX/XXXX And XX/XX/XXXX regarding an inaccuracy in your credit reporting. 
Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 XX/XX/XXXX To Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
( Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section XXXX. ) No response after 75 days multiple letters and proof of identity

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to file a formal complaint against Bank of America. Since XXXX, the bank has been withholding my funds and not allowing me to withdraw them. They have informed me that my account is in the process of closure and that I must wait an additional 90 days for a check to be mailed to me. 

This situation is causing significant hardship for me, and I am seeking your assistance in resolving this matter promptly. 

Thank you for your attention to this urgent issue.

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 2024-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: MO

Complaint narrative:
This debt is not mine there are inconsistent things about this debt posted on my credit report. None of the information matches.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: FL

Complaint narrative:
Transunion Credit report agency is not even trying to help me in fixing my credit report, a few weeks ago I got a mail with my credit report, but there is many wrong information there thats needs to be fixed, but they dont help me. I've been getting denied credit from many lenders because of them. Im so upset. I need help with this.

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 2024-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
To whom it may concern, I am writing because I want to report the harassment that the company Portfolio Recovery and Associates has. They call me every day from Sunday to Monday from different phone numbers, it doesn't matter if it's XXXX XXXX XXXX XXXX XXXX. I answer the calls but they hang up. They do this so that you call back. I call back and they ask me for all my information, which of course I don't give, because if they call every day at all hours, they should know who they are calling. I have asked them that if they don't know who they are calling, they should not call my number anymore, but the calls continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: CA

Complaint narrative:
I am a victim of human trafficking of Debt bondage I am a victim of human trafficking of Debt bondage I would like for all listed accounts to be BLOCKED AND DELETED BY TRANSUNION XXXX XXXX XXXX XXXX XXXX inquiries : 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 2024-07-08 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:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXXXXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
THE COLLECTIONS ARE BEING REPORTED IN MY CREDIT HISTORY WHERE IN MY OPINION THERE IS NO REASON FOR THIS DUE TO THE FACT THAT I HAVE NOT BEEN THE RECIPIENT OF ANY PRIOR NOTICE FROM THIS COMPANY OR FROM ANY OF MY CREDITORS WITH WHOM I HAVE A RELATIONSHIP, BEING ABLE TO MENTION THE FACT THAT I HAVE HAD NO RELATIONSHIP WITH THIS COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened a new account with Chase bank last week. 

Today I get XXXX letters in the mail saying that the declined to open my account and that they suspected someone fraudulently tried to open an account in my name. 
There was a number to call on the paper, so I called it. My mistake was to not get the number from somewhere else, like chase.com or even XXXX. 

Anyway, the representative picks up and asks for my SSN, which I give him, then asks for my phone # to verify I am who I say I am. I give my phone number. 
He then says he will issue a text message with a XXXX Time Password that he wants me to read back to him. I hung up and called XXXX XXXX XXXX support to report the fraud .... 

This is where it gets really interesting, it is NOT a fraud- this is how they actually verify customers ( I even went in to the office afterwards and they say the same thing... ). They actually require customers to read back the OTP that they text you. 

I assume there is some rule somewhere that states that a financial institution is not allowed or at least not recommended to ask their customers for passwords to be read back to them over phone?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RFNA, LP
State: MO

Complaint narrative:
All XXXX credit reporting agencies have different information. These are inconsistent. Not to mention, this account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I have detected unauthorized inquires on my credit report. They are from : XXXX XXXX on XXXX XXXX XXXX XXXXXXXX XXXX XXXX. on XX/XX/year>XXXX XXXX XXXX XXXX on XX/XX/year> XXXX  XXXX XXXX XXXX on XX/XX/year> XXXX XXXX XXXX XXXX XXXX on XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Resolution Corporation
State: MO

Complaint narrative:
Information was reported falsely to only one reporting agency. I don't know what this debt is.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
This complaint concerns a debt that Midland Credit Management is attempting to collect on behalf of XXXX XXXX. Before this debt was reported to my credit file, Midland failed to provide me with an opportunity to settle it. I was unaware of the debt until it appeared on my credit report as a collections account.

I have submitted an inquiry to Midlands Compliance Officer regarding this issue but have not received a response. This lack of communication and failure to notify me beforehand constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: Chime Financial Inc
State: TN

Complaint narrative:
On XXXX XXXX I purchased a phone online from XXXX by XXXX for a XXXX. The device mailed to me was incorrect and the box remained unopened. The device was shipped back immediately using the merchant return label provided. On XX/XX/XXXX the return tracking number via XXXX confirmed received and signed by employee of merchant. I was advised it could take 30 days to see a refund. On XX/XX/XXXX the merchant emailed me confirming they received the device and will issue refund within 10 days. The refund was never received and the merchant stopped responding to any messages. On XX/XX/XXXX I created a dispute with my bank Chime and provided them all the same info and documents of the returned device and also the merchant email confirming the warehouse received the device but no refund issued. 10 days later i received a notification stating the dispute was closed and denied due to no response from merchant. I asked what brought them to this conclusion after all documents show the issue clearly, I was advised the department that handles disputes does not provide details on how they come to there conclusion and that they would send me the documents used to make there decision. The email i received only had the original documents that I provided to them and none from the bank Chime themselves. A supervisor also confirmed i submitted all necessary documents and she didnt understand why the decision was denied but that she also could not overturn decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: FL

Complaint narrative:
I pulled my Experian report on XXXX and was very disappointed with the erroneous marks on my credit report causing damage and stress. I am getting denials with banks & not able to obtain funding for my business because of late reportings and false information on my report. 

Under 15 U.S.C. 1681n ( a ) they must maintain maximum possible accuracy when putting together a consumer report and they have violated my rights as a consumer. I wish to get these inquiries removed immediately so i am not being held back. This is very damaging to my reports and if this issue is not fixed i am going to file suit for {$1000.00} per violation. I never gave these creditors permission to run my credit. I know that this is a XXXX a clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as a violation of its provisions. 

In the case of *XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court emphasized the importance of providing consumers with accurate and sufficient information to validate the debt which XXXX has FAILED TO DO SO. 

I wish for these inquiries to be REMOVED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Account # XXXX 15 U.S. Code 1692g - Validation of debts, I am disputing this alleged debt in the entire amount, cease collection of this debt and remove from my credit report. Failure to cease to collect is a violation of the FDCPA. Please update with other credit reporting agencies, XXXX XXXX XXXX. This account is still being reported causing significant damage to 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 explanation
Consumer complaint received 2024-07-08 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: AL

Complaint narrative:
I have no knowledge, did not gain from or never consented to any of these fraudulent inqyiries that are reporting to my consumer report. Remove immediately. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 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 2024-07-08 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XXXX and XXXX have my account opened XX/XX/year> as XXXX XXXX has my account opened XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: LEXISNEXIS
State: SC

Complaint narrative:
I twice disputed an invalid judgement/lien appearing on my LEXINEXIS consumer report. I provided evidence that the judgment/lien was not valid and had been vacated and dismissed by the court. LEXISNEXIS verified the information as accurate with my first dispute. Now they say that they could not verify my identity. I am being damaged due to this issue. I am sick and tired of stall tactics.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank Visa Card - A fraud alert was turned on when I tried to purchase travel tix. The citi not only blocked the transaction, they blocked the card. No email, text or phone call was made to me to check if it is me making the transaction. I called the company and they stated they can only send a letter in the mail. I requested overnight mail and was refused. I offered to go to ( citi bank ) local office and show my ID to prove my identity and was refused. The bank stopped all my credit cards. No reason was given. 
I have had Citi Card thru XXXX for several years ( at least XXXX years ). The balance is always paid in full within 30 days. 
I asked to file a complaint with the customer service rep and was refused. The customer service rep stated that is their security procedure so they can't file a complaint against it. 
The bank shouldn't have the right to inconvenience me despite my offers to resolve it by providing the security info they needed. 
I have to wait for their snail mail to get here, which could be XXXX days. In the meantime, no credit cards with citi are working. Never been late on payments or even carried any balance over 30 days. I feel like I'm being harassed and inconvenienced. 
Thank You for taking this complaint on my behalf.

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this Public Record : chapter XXXX bankruptcy XXXX Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 
On record until XX/XX/XXXX if you can not provide me with this informations in 15 days delete this inacurrate Public Record off my credit and send me a copy of my updated credit report. 
I also spoke to the clerk at the US Bankruptcy court and they do not gives information to data furnishers

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 2024-07-08 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: GA

Complaint narrative:
I am a survivor of XXXX Trafficking resulting in XXXX XXXX. I have sent all required documents to Equifax several times and have provided everything needed to have these negative items removed from my report. 

Equifax has not removed the items as requested. Pursuant FCRA 605C within 4 business days.

I am sending another list including all the negative items to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
There were a lot of transactions on my checking account where money was taken out that I did not authorize. BOA claim numbers are XXXX, XXXX, XXXX, XXXX. I spoke with a BOA claims representative on XX/XX/2024 at XXXX on a recorded line. The representative advised me that the money from the claims will be refunded to me on XX/XX/2024. Knowing I was getting this money I needed back I paid off a purchase. I then spoke with a BOA representative on XX/XX/2024 to see why the money had not been put back in my acct. The rep advised that the rep I talked to on XXXX failed to tell me that due to it being over 72 days they are still investigations. Had the other rep told me this I would not have paid off this other purchase. The representative in XXXX gave me false information and BOA should credit me asap due to this major inconvenience.

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 2024-07-08 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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