vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm reaching out about an account on my credit report that was a repossession and charged off. I've noticed that this account is still being updated every month as " charged off '' but with an active payment history, which doesn't make sense. A charged-off account shouldn't have any payments showing up.

It looks like this hasn't been correctly fixed, and it's really hurting my credit report. I've tried contacting the creditor. The account type is also incorrect being listed as installment as well as a switch between open/closed/charge with every bureau.

Could you please remove this account from my credit report as soon as possible? I'd really appreciate your help with this. 

Account : 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 2024-11-09 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: TX

Complaint narrative:
I'm reaching out about an account on my credit report that was a repossession and charged off. I've noticed that this account is still being updated every month as " charged off '' but with an active payment history, which doesn't make sense. A charged-off account shouldn't have any payments showing up.

It looks like this hasn't been correctly fixed, and it's really hurting my credit report. I've tried contacting the creditor. The account type is also incorrect being listed as installment as well as a switch between open/closed/charge with every bureau.

Could you please remove this account from my credit report as soon as possible? I'd really appreciate your help with this. 

Account : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Hillcrest Davidson & Associates
State: IL

Complaint narrative:
Someone opened an account in my name on XX/XX/year>. I have no knowledge of this account. I never received any bills, payment coupons, phone calls. The account shows that after paying 2 months, XXXX and XXXX I stopped paying the bill. This bill has been placed on my XXXX credit file for missing payments XXXX, XXXX, and XXXX. It was placed in XX/XX/year>. This account has been fraudulently opened in my name. 

It was placed by Hillcrest Davidson & Associates and it shows on the credit file as : Hillcrest Davidson & Associates original creditor : XXXX XXXX XXXX Date Opened XX/XX/year> Account No. XXXX XXXX XXXX as of XX/XX/year> Phone No. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Started transferring my assets to Bank of America, opened a checking account and set my direct deposit to be sent there. And applied for two credit cards to transfer all my spending to the bank Ive had a relationship with for so long. For some reason the system denied both my applications. I would like for somebody at the bank to look at my applications and see if they can approve at least the elite card, since I travel a lot. I would love to continue my relationship with Bank of America. 

Applications XXXXXXXX XXXX XXXXXXXX

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 2024-11-09 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: MO

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$21000.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00}

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 2024-11-09 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: NY

Complaint narrative:
I am reaching out to address an issue regarding an account that appears to be erroneously linked to me as an authorized user. In light of this, I am exercising my rights under the Fair Credit Billing Act ( FCBA ) to demand a comprehensive investigation into this matter. 

Account Information : XXXX Account Number : XXXX Reason : Please Explain how youre reporting a Balance and past due amount on a closed/Charge-Off account. 
Instruction : Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts I request a detailed record of all transactions related to this account, encompassing charges, payments, and any adjustments. Access to this information is essential for confirming the inaccuracy of the account 's reported association with my financial identity. 

If you are unable to provide the necessary documentation within 30 days of receiving this letter, I respectfully request that this account be removed from my credit reports with all reporting agencies. Such a measure is in line with your duty to ensure the accuracy of reported credit information. 

Thank you for your immediate attention to this request. I am eager to see this issue resolved swiftly and am hopeful for your prompt cooperation. 

Kind regards, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I sent an attachment and it looks like they never opened the attachment. They claimed it was a duplicate complaint. They need to open the attached document which is a Demand for Removal of Collection Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: NY

Complaint narrative:
I am writing to notify you that I am a victim of identity theft due to a data breach, which has resulted in several fraudulent accounts and unauthorized inquiries appearing on my credit report. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am formally requesting the immediate blocking and deletion of the following accounts and inquiries from my credit report. 
Fraudulent Accounts to Be Blocked and Deleted : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1100.00} XXXX. XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$450.00} XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1900.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2200.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1100.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1400.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Credit Inquiries to Be Removed : XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2200.00} XXXX  - XXXX - XX/XX/XXXX - {$1400.00} 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 XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klima, Peters & Daly, P.A.
State: VA

Complaint narrative:
I was sent a letter by a collection company on XX/XX/24. 

I responded on XX/XX/24 requesting full validation of debt and proof that this company has the right to collect on this alleged debt ( see attached letter that was sent to debt collection company ) The company responded by sending a credit card statement. 
Nothing of which was I requested or proof that i am the owner of this debt. 

I have never done business with this company so it is impossible and illegal for them to have any personal information. 

I would also like to point out this negative remark was on my credit report before i received the letter on XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: GA

Complaint narrative:
The List of accounts below has 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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
Consumer complaint received 2024-11-09 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: Chime Financial Inc
State: OK

Complaint narrative:
On XX/XX/year>, I attempted to make two ATM withdrawals using my Chime account : one for {$100.00} ( totaling {$100.00} with ATM fees ) and another for {$80.00} ( totaling {$82.00} with ATM fees ). Both transactions were denied by the ATM machine, and I received printed receipts confirming that no cash was dispensed.

I immediately contacted Chime customer service to report the issue. I was advised that the pending charges would likely reverse automatically since the withdrawals were unsuccessful. However, the charges were later approved and deducted from my account, despite the fact that I never received any cash.I provided Chime with evidence, including the ATM receipts, which clearly show the date, time, and location of the attempted withdrawals. The receipts confirm that the transactions were denied, matching the bank records for the dates and times in question. Despite this, Chime denied my dispute. 
I also contacted XXXX, the ATM network operator, and they informed me that any issues related to the dispute need to be resolved directly by Chime. This leaves me with no other recourse but to escalate my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: NC

Complaint narrative:
Requesting Debt Validation from XXXX. XXXX  does not have permissible purpose to furnish the following accounts on my report. Furthermore, I request verification of the alleged debt, specifically, a copy of a contract or agreement with the XXXX XXXX signatures of BOTH parties, YOURSELF included. Im sure you know the contract or agreement must be with the original creditor and signed by all parties involved!

Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received a email from Capital One bank on XX/XX/year>. The email stated the company would be closing my account due to suspicious activity and ending the business relationship. I have been with capital one 8 years, I never once received a email stating they would be closing my account due to these matters. I have not committed any fraudulent charges or actions on my account. I went to the branch and called the customer service line and they were unable to provide me a reason. I tried to withdraw my money and was told I can not I would be mailed the money once the investigation is complete. I have a total of {$1000.00}, I can not get this money out and this is my rent and payment from my employer. My livelihood has been affected and Im facing eviction due to this situation. Im a XXXX XXXX who lives paycheck to paycheck. I need an answer as to why can I withdraw my money to pay my bills to avoid being evicted or able to take care of daily expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: PA

Complaint narrative:
I am writing to formally request that XXXX XXXX XXXX XXXX cease all communication with me regarding the account ( XXXX ), as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

Under federal law, I have the right to request that you stop contacting me regarding any outstanding debt. This letter is not a refusal to pay any legitimate debt that may be due ; rather, it is a request to terminate all further communication. I ask that any future communication be in writing only, for documentation purposes. 

I am aware that under the Fair Credit Reporting Act ( FCRA ), I have the right to request that XXXX XXXX XXXX XXXX cease all reporting to credit reporting agencies regarding my account. Upon receipt of this letter, any continued communication from your office, including any form of reporting to the credit bureaus, will be considered a violation of my rights under the FCRA. I also consider such action as harassment and reserve the right to seek remedies as allowed by law Please be advised that failure to comply with this request could be seen as a violation of my rights under the FDCPA. If you need to contact me for legal reasons or regarding specific details about this account, please do so in writing at the address provided above. 

Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2024-11-09 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: PA

Complaint narrative:
I am writing to formally request that XXXX XXXX XXXX XXXX cease all communication with me regarding the account ( XXXX ), as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

Under federal law, I have the right to request that you stop contacting me regarding any outstanding debt. This letter is not a refusal to pay any legitimate debt that may be due ; rather, it is a request to terminate all further communication. I ask that any future communication be in writing only, for documentation purposes. 

I am aware that under the Fair Credit Reporting Act ( FCRA ), I have the right to request that XXXX XXXX XXXX XXXX cease all reporting to credit reporting agencies regarding my account. Upon receipt of this letter, any continued communication from your office, including any form of reporting to the credit bureaus, will be considered a violation of my rights under the FCRA. I also consider such action as harassment and reserve the right to seek remedies as allowed by law Please be advised that failure to comply with this request could be seen as a violation of my rights under the FDCPA. If you need to contact me for legal reasons or regarding specific details about this account, please do so in writing at the address provided above. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief