vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-21 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: CA

Complaint narrative:
The following inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This letter is in response to your companys furnishing of the above information to my XXXX XXXX XXXX XXXX XXXX credit bureaus. Under the FDCPA, I dispute this debt. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt vs Gravens ( mo ) 281 SW 715 179. I presume that no proof of the alleged account, nor therefore any such debt, in fact therefore exists. Nevertheless, I am unable to find any documentation of any contractual relationship between the above company & myself, legally listing you/your company as a person/company entitled to enforce/furnish a commercial claim/payment history against me. 
This is NOT a request for verification or validation. 
This is a demand for : 1. Consumer Notice as required under USC 1016.4 & USC 1016.5 2. Account Ledger and monthly statements 3. Forward Flow Agreement, pursuant to 15 USC 1681a 4. Purchase Agreement, pursuant to 15 USC 1602 ( k ) 5. The account date of last activity, and payment notation 6. Medical Release Waive, Bearing my signature Failure to respond satisfactorily within 15 days of receipt of this certified letter may result in a small claims action against your company, seeking up to {$1000.00} per violation for statutory and economic damages for : 1. ) Defamation 2. ) Violations of the Fair Credit Reporting Act 3. ) Violation of 15 USC 1681b 4. ) Violation of 15 USC 6801 5. ) Violation of 15 USC 623-b 6. ) Violation of 15 USC 807-8 7. ) Violation of 15 USC 1692 ( b ) 2 8. ) Violation of 15 USC 1692 ( F ) 8 9. ) Violation of 15 USC 1692 b ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: SC

Complaint narrative:
We were a customer of peoples bank with an account ending in XXXX established in the year 2000. 

Recently M & T bank took over. We have a checking account that monthly receives XXXX rent payments from tenants. In XXXX and XXXX M & T started rejecting our tenants rent payments but did not make us aware of the rejections. The tenants then had to notify me that their XXXX payments were being rejected. These are the exact same XXXX payments that come in with regularity each and every month from these tenants. 

I called M & T and inquired about this issue and they found no issues or fraud warnings assigned to our account that would cause this and subsequently lifted the block on our account so that the tenants could pay their rents. 

Then in XXXX XXXX M & T XXXX XXXX complete access to their online banking. No one could tell me why. I spoke with Customer service, the fraud department and they made me speak to the local Branch ( Branch inside XXXX XXXX XXXX in XXXX CT ) where I originally opened the bank account in 2000. The bank kept passing me around with out any resolutions. In total approx XXXX hours was spent on the phone with the bank including having to wait in the long queue for this fraud department. 

No one was able to help me but the local bank also has no active XXXX on site. A young woman did try and help me but stated the only way I could have access to my online banking was to come into a branch and physically hand my identification to a bank employee. They are fully aware of our residence because our mailing address on our account and which I confirmed with them is a South Carolina address 23 years we have had this bank account and have had XXXX incidents. We recently moved to SC from CT and I am not able to physically go XXXX of their bank Branches. I offered to answer any questions they might have as well as to provide a copy of my ID or do a phone/video call. None of this was acceptable and they refuse to allow access to my online banking. I have since closed my account but now have no access to any of the historical data and statements and will not have them available for tax season.

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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i recently check my credit report and notice some items that wasn't mines and i file an identity theft report and sent it to the three CRAs ( TRANSUNION, XXXX, AND XXXX ) USPS certified mail on XXXX XXXX and they received them on XXXX XXXX and by FCRA they have 4 business days to block and delete the information.

I have attach copies of the letters below and has been going through sleepless nights stressing because i keep getting denied for things i need to survive.

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 2023-11-21 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:
On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I received {$100.00} from a merchant on XX/XX/2023 and suddenly vanished today without explanation. Tried to give proof that the money was received but they had no way to send my proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing this letter to formally dispute the accuracy and completeness of credit information being reported by your agency. Under the provisions of federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX Reporting Guidelines, I request that you conduct a thorough investigation and verification of the account details in question. 

The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), mandates that credit reporting agencies must physically verify the original signed consumer contract for every account they include in a credit report. This verification process is crucial to ensure the authenticity and legitimacy of the information you disclose. By failing to adhere to this requirement, your reporting services could be susceptible to fraudulent accounts, negatively impacting consumers like myself. 

I hereby demand to receive verifiable proof, such as an original consumer contract bearing my signature, for the account listed below : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX As per the FCRA, unverifiable accounts must be promptly removed from my credit report. In the absence of providing documented proof within the stipulated timeframe, you are obligated to delete the aforementioned account from my credit file. 

Moreover, I also request the removal of all non-account holding inquiries that are older than 30 days. Additionally, please add a promotional suppression to my credit file, as per the relevant consumer laws. 

I am well aware that the FCRA mandates a thirty ( 30 ) day period for your re-investigation of this dispute. Within fifteen ( 15 ) days of the conclusion of your re-investigation, I expect a description of the process utilized to assess the accuracy and completeness of the material in question. 

I emphasize that my rights under the FCRA and other consumer protection laws must be upheld, and I trust that your agency will act in compliance with these regulations. 

Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing this letter to formally dispute the accuracy and completeness of credit information being reported by your agency. Under the provisions of federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX Reporting Guidelines, I request that you conduct a thorough investigation and verification of the account details in question. 

The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), mandates that credit reporting agencies must physically verify the original signed consumer contract for every account they include in a credit report. This verification process is crucial to ensure the authenticity and legitimacy of the information you disclose. By failing to adhere to this requirement, your reporting services could be susceptible to fraudulent accounts, negatively impacting consumers like myself. 

I hereby demand to receive verifiable proof, such as an original consumer contract bearing my signature, for the account listed below : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX As per the FCRA, unverifiable accounts must be promptly removed from my credit report. In the absence of providing documented proof within the stipulated timeframe, you are obligated to delete the aforementioned account from my credit file. 

Moreover, I also request the removal of all non-account holding inquiries that are older than 30 days. Additionally, please add a promotional suppression to my credit file, as per the relevant consumer laws. 

I am well aware that the FCRA mandates a thirty ( 30 ) day period for your re-investigation of this dispute. Within fifteen ( 15 ) days of the conclusion of your re-investigation, I expect a description of the process utilized to assess the accuracy and completeness of the material in question. 

I emphasize that my rights under the FCRA and other consumer protection laws must be upheld, and I trust that your agency will act in compliance with these regulations. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: VA

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
Signed up for Apple credit card XX/XX/XXXX via email from Apple/goldman sachs . 
Promotion was spend XXXX $ within 90 days upon approval and get XXXX $ back via XXXX XXXX ( Apple XXXX ). 
Have exceeded that spending threshold well within time. 
Have also contacted them several times via telephone and chat support. 
They wanted proof of this promotion and seemed like they had no idea what it was. 
One XXXX search will tell you all about it. 
I have been told several times there has been an inquiry opened and will be solved within ten days by several associates. 
Never did that come to fruition. 
This has been going on for a couple months. 
This shouldnt be an ordeal all for a XXXX $ bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist.

Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Aspen Yo LLC
State: KY

Complaint narrative:
I was selling my property in XX/XX/XXXX, I requested payoff from Gregory Funding multiple times beginning in XX/XX/XXXX. These requests were submitted online, through email and USPS. Requests were also made by the Title Company and banks ... with no response.

Somehow Gregory Funding had the mortgage ONLY in my late husbands name, even though my name is on the property title. 
All parties involved agreed to proceed with the sale and use the payoff amount listed on my XXXX XXXX. The Title Company also withheld {$2000.00} from the sale to cover any additional costs that may arise.

Gregory Funding received the payment with documentation that it was payment in full for this mortgage... .the payment was deposited. Closing date was XX/XX/XXXX. Since this time, Gregory Funding has never released the mortgage and sends a company out every month to take pictures of the property and continues to accrue charges on the account for insurance and these pictures. We hired an attorney, because Gregory Funding refuses to speak with me until I sign a form accepting responsibility for the mortgage ... ..they are now saying I owe an additional $ XXXX on top of what was reported on the XXXX. The attorney asked for documentation on this amount and they have not provided any documentation. We tried to offer a settlement of $ XXXX to make this all go away and their attorney agreed in XX/XX/XXXX, but the updated agreement was never produced and their attorney has quit answering any calls or emails from our attorney. Mortgage on file at courthouse does not reflect any of the information that Gregory Funding has stated. They continue to send people out to the property to take pictures that has been sold for over a year and a half. They continue to send mailing to the Estate of my husband, but there is no Estate and never was. This company has caused much XXXX  and stress in an already stressful situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been a long-time customer of Chase Bank .

Someone was able to access my bank account and information through a stolen phone and made over {$4000.00} in withdrawals, including making direct calls from my number with Chase regarding these withdrawals.

Chase should have recordings proving that the person was not me and they were not authorized by me. They continue to claim that it was same device and login, so are considering over {$3000.00} as " authorized ''. They are also referencing an incorrect date that the login was used, which is not possible given the timeline of events. Double withdrawals were also made, and incorrect changes were made back on my account. ( Fraudulent withdrawals were made on XX/XX/23, but Chase claims XX/XX/23 ). 

I have provided multiple documents to them, and they have not done anything to return my money to my account, including : 1. Police Reports ( both XXXX and XXXX  ) 2. Phone records from XXXX XXXX XXXX showing calls made with Chase NOT made by me 3. Screenshots of XXXX XXXX withdrawals done with my Chase account 4. Screenshots showing I reported the IMEI number as stolen to XXXX XXXX XXXX ( which they requested ) 5. Explanations of their errors in processing the withdrawals I have provided all documents they requested, and they keep saying " you can provide more documents '', but won't say what else I can provide. I have been cooperative, reported every fraudulent charge same-day as soon as I was able to, spoke with several claims dept. agents, and more. They also send they would provide the reasoning for considering it " authorized '', but have still not provided it.

If I have done everything they ask to reverse the unauthorized charges, I don't know what else I can do. They need to be more clear in what I can provide, or actually utilize what they ask me to provide to them.

This is an entire month 's salary that has been withdrawn, and all factors indicate these withdrawals are not normal behavior for my account and should have been protected.

Company response to consumer: Closed with explanation