vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I recently deposited a cashiers check to Citizens Bank in the amount of XXXX $ from XXXX XXXX XXXX on XX/XX/XXXX. The funds was immediately placed on hold. After 3 days of this hold I called Citizens bank who stated the funds were on hold because they are waiting for verification from XXXX. I contacted the cashier check issuer who reached out to XXXX who stated they have sent the verification over to Citizens. I reached out to Citizens on XX/XX/XXXX to explain the XXXX has verified the funds, and I requested more information of why my funds were still being held. They commented we are waiting for the issuers bank to verify the funds. They also stated they will be placing the funds on an extended hold until XX/XX/XXXX to give them time to verify. I called in XX/XX/XXXX after receiving a letter in the mail that stated the funds will be on hold until XX/XX/XXXX pending verification to confirm that my funds would be released on XX/XX/XXXX. The representative placed me on hold to clarify with her supervisor that the funds would be released XX/XX/XXXX, the supervisor confirmed Citizens have resolved verification matters and my funds would be available XX/XX/XXXX. I checked today XX/XX/XXXX and my funds were still on hold. I called in to check why and they stated it will be on hold until XXXX. I have been speaking with supervisors and managers both in person and over the phone and no one can give me reasoning behind why I have still not receive my funds and why they are holding the check past federal regulations. As I mentioned prior this is a cashiers check which is basically cash value guaranteed money. Citizens still has not release the {$220.00} or {$5500.00} that is mentioned in their policy that would be released after a deposit and no one is giving me information of why my funds are still on hold. I have went in person to XXXX XXXX XXXXXXXX who has confirmed the check I have deposited is not fraudulent and states that they have sent over verification. I received this money from selling my vehicle and now XXXX cant get a hold of it. I truly hope you can help me to resolve this in a timely manner as I have emergency bills piling up as the days go on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: GA

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Dispute Letters were all sent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Compass Recovery Group, LLC
State: IN

Complaint narrative:
Has repeatedly attempted call my private number and at work, despite multiple requests, and at XXXX ; I asked for a written notice with the amount, and have yet to receive anything. I asked them not to call me at work, and this has happened twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Pull my credit report and found errors, inaccuracies, and incompleteness. see dispute letters attached and copy of credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Pull my credit report and found errors, inaccuracies, and incompleteness. see dispute letters attached and copy of 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 2024-06-18 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: TX

Complaint narrative:
There are fraudulent accounts on 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 2024-06-18 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: KY

Complaint narrative:
CFPB Complaint Against Fair Collection & Out Your Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Email Address : XXXX Date : XX/XX/2024 Debt Collector : Fair Collection & Out Debt Collector Address : XXXX XXXX XXXX XXXX XXXX MD XXXX Original Creditor : XXXX XXXX XXXX I am filing this complaint against Fair Collection & Out ( herein after " FCO '' ) for violating the Fair Debt Collection Practices Act ( FDCPA ) and its implementing regulations. Specifically, FCO has engaged in the following unfair, deceptive, and abusive practices : Violations : 12 C.F.R. 1006.34 ( b ) ( 5 ) : FCO has violated the restriction on contacting you at inconvenient times or places. ( Provide specific details of the inconvenient times or places you were contacted, e.g., early mornings, late nights, at your workplace when contacting employees is prohibited ).

12 C.F.R. 1006.35 ( c ) ( 4 ) ( i ) : FCO has contacted you by phone more than seven ( 7 ) times in one week or within seven ( 7 ) days following a conversation about the debt. ( Provide details of the excessive call frequency ).

12 C.F.R. 1006.34 ( d ) : FCO has used harassing, oppressive, or abusive language during its communication attempts ( Provide specific examples of harassing or abusive language used by FCO ). 
15 U.S.C. 1681s-2 ( 7 ) ( A ) : FCO has made false or misleading representations about the character, amount, or legal status of the debt. ( Provide details of the alleged misrepresentation, e.g., inaccurate amount of debt claimed, threats of wage garnishment without legal basis ). 
Request for Relief : I request that the CFPB investigate these violations and take appropriate action against FCO. This may include : Ordering FCO to cease all communication regarding the debt. 
Verifying the debt and providing written validation of the amount. 
Correcting any inaccurate information reported to credit bureaus. 
Awarding damages for emotional distress and any other losses caused by FCO 's violations. 

Thank you for your time and attention to this matter. I look forward to your prompt investigation and resolution. 

Sincerely, 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 explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
there is an account in my report that i don't recognize. This is fraud and i wanted to have it removed. I have been disputing this since last year. Kindly remove it in compliance to the FCRA : CALIFORNIA XXXX XXXX account # XXXX date opened XX/XX/year> XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I check my credit report right now and the Equifax report is not showing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2024 and again on XX/XX/2024 there were XXXX hard inquiries on my credit report from JPMCB Card Services. Neither of these were authorized or consented by me as I did not complete a credit application. 

Additionally, XXXX phone numbers that I do not recognize are linked to my credit report. These are # XXXX and # XXXX I have been in contact with JPMCB, and they have denied/cancelled both credit applications, as well as connecting with the credit bureaus seeking a fraudulent claim with ask to have the XXXX hard inquiries and the XXXX phone numbers removed from my credit report. All credit bureaus have frozen my credit and placed fraud alerts. They have advised that I report this to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: NC

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet 30-day deadline stated in your previous memo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet 30-day deadline stated in your previous memo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In spring of 2015 I had lightning strike a tree that fell on my stick built out building. The cost of repairs was over {$12000.00}. XXXX XXXX was my insurance company and they released the payments to Wells Fargo in XXXX payments as the repairs were being made. Wells Fargo released the XXXX XXXX payments each over {$4000.00}. Once work was complete and I had paid the final repairs, XXXX XXXX paid the final payment to Wells Fargo. Due to paying for the repairs. I owed 1 month payment of {$850.00} Appx. Wells Fargo refused to release the last insurance check to me unless I made the payment. I explained they could take the payment out of the check or I would make the payment immediately upon receiving the insurance check. They refused. I could not get caught up on the payments due to this situation and was forced into foreclosure and lost the home. I got a check yesterday from Wells Fargo for {$10.00} so I called them after reading about the remediation law suit. They explained that was some kind of over charge in processing fee on the original loan. I filed a new complaint regarding this matter. Complaint # XXXX. They wanted me to send them information about this matter. I called XXXX XXXX and since it has been so long and they have new system they couldn't find my policy or claims. I am still working on that, but I know they have the information and the final check. I feel like they owe me much more then my insurance money since this caused me to lose my home through no fault of my own. I didn't know what to do at the time. I thought what they were telling me was their practice, but it was my money. I paid the insurance through escrow and I paid for the repairs to the property.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This company is responding fraudulent, inaccurate information on my credit report. I have requested they send me the purchase agreement to show full ownership of the account and other documents so that I could verify that this account even belongs to me and they are trying to collect from the appropriate person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
i received my california state deposit of XXXX on XX/XX/XXXX and no problems withdrawing or paying bills, but yesterday morning at XXXX XXXX  i was issued my social security deposit of XXXX and made a withdrawal at an atm the max of XXXX and when i went to make a second withdrawal it denied it than i paid my storage bill and it froze my account. i do not agree with how i was treated one supervisor called me a liar and i was given the run around. i asked why did they need to verify my identity if i already had an account freeze for this in XXXX this year and prior to that i had sent my identity documents upon opening my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: GA

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Dispute Letters were all sent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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 was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Dispute Letters were all sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I submitted a fraud claim and all the supporting documents ( Police reports and case # 's, XXXX XXXXXXXX Restraining Order, Video Evidence, XXXX Detective contact info. I made multiple attempts in contacting Bank of America 's Fraud Department both via email and telephone and all of my attempts went unanswered. I have all of the proof of communication attempts. Due to this I'm currently missing thousands of dollars and this is causing extreme hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: CA

Complaint narrative:
After looking over my credit report, I noticed XXXX fraudulent accounts on my credit report. I did not authorize these accounts nor do I recognize these accounts. These fraudulent accounts are affecting my credit score negatively and making it hard for me to obtain credit. I feel like I may have been a victim of identity theft. The fraudulent accounts are XXXX XXXX  XXXX with the account numbers ending in XXXX and XXXX with the balance of {$150.00} and {$400.00} respectfully. Please delete these fraudulent accounts from my credit report and thanks for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: MA

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. 
XXXX XXXX Account # : XXXX has violated my rights. 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. 16815-2 ( 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. I request these accounts be deleted off my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: AL

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 non-monetary relief