vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-27 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I previously submitted several disputes with XXXX regarding these inquiries, and after investigations, I received responses indicating that XXXX refused to remove the inquiries from my credit file. I am writing this letter to formally request the original documentation from the respective creditors that demonstrates my explicit permission for them to access my credit file. 
I believe it is essential for me to receive this documentation as it is my right to verify the legitimacy of these inquiries. Without this proof of authorization, I insist that these inquiries be promptly removed from my credit report, but XXXX consistently refuses to remove them and to provide me with documentation from the creditor. XXXX customer service representatives stated that they do not provide documentation from the creditors. I asked how they verify that what they are reporting is accurate, and I was told they rely on a response from the creditor stating it is valid but no documentation. They are violating my rights. 
As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, 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 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 promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2023-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: CA

Complaint narrative:
They clain this is a debt that I owe from XXXX that was charged off in 2009 that would be 14 years ago which I know is past the statute of limitations I responded with an email that it is past and that I would not have any records that far back anyway so leave me alone but they keep sending emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: TX

Complaint narrative:
Hello, Im needing assistance with a deposit being returned to me in the amount of {$200.00}. I closed my account with this company in XX/XX/2023 and I have yet to receive my return deposit. Im not sure of their reason of holding my deposit however the account has been closed and Ive yet to receive my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: FL

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 anxiety. 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 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 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
Fortiva makes it as hard as possible to make a payment. The payment page on their website doesn't work and the payment portion of their app doesn't work, I have tried both at least 10 times. On XX/XX/XXXX, I called to make a payment and asked the agent to set my account to autopay, he confirmed he did. He didn't set it to autopay though he lied and then I was late with my next payment because I thought it was set to autopay and they tried to charge me a late fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: MS

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas)
State: VA

Complaint narrative:
XXXX is XXXX to collect money for an account that is not mine, this is the XXXX collection XXXX XXXX XXXX hired to collect an account that was fraud, I need this to stop and be removed from my credit reports all XXXX of them. XXXX is fraud and they have to stop trying to collect on an account i don't owe

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 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: GA

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 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 2023-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I HAD AN OVERDRAFT IN MY ACCOUNT. I HAVE PAID THE OVERDRAFT WHICH HAS ALSO LEFT {$2300.00} IN THE ACCOUNT. CAPITAL ONE BANK IS REFUSING TO ALLOW ME ACCESS TO MY ACCOUNT AND/OR FUNDS.THEY HAVE RESTRICTED THE ACCOUNTS ALLOWING NO WITHDRAWS OR PAYMENTS AND REFUSE TO LIFT THE RESTRICTION. I HAVE SUBMITTED ALL DOCUMENTS REQUESTED IN ORDER TO VERIFY MY IDENTITY. I HAVE SPOKEN WITH SEVERAL REPRESENTATIVES, SENT SEVERAL EMAILS AND LEFT MESSAGES AS WELL. I NEED ACCESS TO MY MONEY IMMEDIATELY. I WORK FROM HOME SO I NEED TO BE SURE THAT I CAN PAY MY RENT, INTERNET AND PHONE BUT CAPITAL ONE IS REFUSING ME ACCESS TO MY MONEY WHICH MEANS I WILL FACE EVICTION AND TERMINATION FROM MY JOB. I ALSO HAVE NO WAY TO FEED MY XXXX CHILDREN AND NO ONE WILL HELP ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America garnished my paycheck from my bank account without a court order or judgment. They claim I owe them money for my boat loan, but they have not shown me anything that states I still owe them. My loan should have been paid off in XXXX last year. However, I offered to make payments last year to settle this so that it would not affect my credit, but they told me I could not do that ; I could only pay it in full. But the lady I spoke to yesterday said she was sorry because whoever told me that told me wrong, and I could have made payments. The Texas government website states : " However, Texas does allow for a bank account to be frozen. Once your wages are deposited into your bank account, the funds can be frozen and possibly seized. In order to do this, a debt collector must have won the lawsuit and had an order issued by the court. This can be confusing because the order is called a " writ of garnishment '' but it still can not be used to take incoming wages. '' There was never a lawsuit! Bank of America has stolen money out of my account leaving me {$0.00} to live on. Bank of America told me that my paycheck that they took is nonrefundable, even though I never authorized this transaction and it was done without my knowledge. 

In the attachment, you will see my paycheck listed as a deposit for {$1700.00}, and then immediately Bank of America took {$1700.00}, listed as a DEBIT FOR CHARGED OFF ACCOUNT FDES, leaving me {$7.00} from my paycheck. 

I have also attached an article from your website showing that they have illegally garnished other people 's bank accounts titled, " CFPB Orders Bank of America to Pay {$10.00} XXXX Penalty for Illegal Garnishments. ''

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 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 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: TX

Complaint narrative:
Please see the attached letters. I do not have a fraud alert or credit freeze placed on my consumer reports. Equifax is messing with my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 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: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Social Security Number XXXXXXXX XXXX XXXX  Case number XXXX Date XX/XX/2023 To Whom It May Concern I have Disputed with you and response you verified the item as accurate stating that you have verified the information with the courts, and their response is enclosed. It is clear they do not report to you or any credit Bureaus for that matter, therefore your initial response verifying the item with the courts was either an error or a lie either way the reporting requirements do not comply with the F.C.R.A 611 ( 15 U.S.C. 1681I ) and the information must be deleted Immediately.

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 2023-09-27 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: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Social Security Number XXXXXXXX XXXX XXXXXXXX Case number XXXX Date XX/XX/2023 To Whom It May Concern I have Disputed with you and response you verified the item as accurate stating that you have verified the information with the courts, and their response is enclosed. It is clear they do not report to you or any credit Bureaus for that matter, therefore your initial response verifying the item with the courts was either an error or a lie either way the reporting requirements do not comply with the F.C.R.A 611 ( 15 U.S.C. 1681I ) and the information must be deleted Immediately.

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 2023-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
We tried to go into the branch on XX/XX/2023 to close our accounts at Regions bank. The day after we tried to close all accounts, fraudulent XXXX charges appeared on my account that were not done by myself or anyone in my household. I called originally and reported the issue and was informed that the charges had to " post '' before we could dispute them. I waited until Monday XX/XX/2023 to call back once the charges were posted to my account. Then she said she was opening an investigation into the charges after we double checked that my last XXXX purchase in my history was for {$2.00} on XX/XX/2023. I received a letter in the mail that Regions found the charges to be not fraudulent even though they were not done by me. Now the overdraft fees for the charges are {$100.00} for charges that aren't mine and the account will not close. 

We have never had this happen before and it just seems a little suspicious that it happened right as we tried to move banks.

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 2023-09-27 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: MO

Complaint narrative:
Upon checking my Experian consumer report on XX/XX/2023 it has come to my attention that there are XXXX XXXX inaccuracies on my consumer report, some including inaccurate names, addresses, telephone numbers and others including multiple inaccuracies from XXXX company on several different dates. I have highlighted and numbered all inaccuracies found.

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 2023-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX XXXX I received a call with my back number and the man stated that my account was being hacked gave me made up and real purchases to verify the account he then told me to send a code to verify my account. The man stated that someone sent money through XXXX to a XXXX XXXX and asked me if I knew the person I told him I didnt and then my son text me asking why I XXXX him XXXX dollars at that time the person on the phone told me that that he had froze my account and it was safe to tell my son to XXXX it back to my account. I asked for a supervisor because I was feel uncomfortable and he just said you have been talking to me this long and you have been a member since XXXX does that help and at that time I disconnected the call and immediately called the bank telling them of the situation and was then put on hold for 45 minutes before I spoke to the fraud department. I filed a claim had to close that account and open a new account. The bank said they would investigate and I would receive a letter ( which I never did ) with results. Filed a police report with XXXX Florida police department and called the bank to report the police report #. Called XX/XX/XXXX to check on the claim because I did not receive information or the money back. I was told the investigation was closed and that I would not receive my money back because it was an authorized XXXX. I was also notified I was not able to file an appeal and there was nothing I could do any further. My son kept the money in his account until my checking account was secured and then he sent it back to my account. The phone call was at XXXXXXXX XXXX and the emails were not seen until I did an investigation after the call.

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 2023-09-27 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: SC

Complaint narrative:
Someone at XXXX called me yesterday to verify my information. I asked them what this is in reference to and they stated a check that I wrote for a loan payment bounced. I asked them what the loan was for and the crediting bank. They could not provide me that information. I then told them they were wannabe scammers and used a couple of expletives and they hung up on me. This morning I learned from all 3 major credit bureaus that a soft inquiry was made on my credit report. I have called all 3 bureaus and XXXX XXXX to let them know this was not me and reported the fraudulent activity. XXXX XXXX declined the online loan request and listed the request as fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 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: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-09-27 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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-09-27 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: NJ

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

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



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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 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: WI

Complaint narrative:
ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief