vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XXXX # XXXX Bank Of America Back in XXXX, this year 2023, I made a deposit on my account. of almost {$4100.00}, of which {$3800.00} and some change was XXXX checks on my brother 's name. Bank of America closed my account and returned the existing balance except the amount of the checks on my brother 's name. I am being trying to get in contact with the department that it does the investigation since they Bank of America treating the deposit as a fraud. Since I made many calls to see were its the money, even I ask to return the money to the company who's issue the checks and nothing it's been done. I need your help to get my money brother 's money back. We work hard to get the money and survive. Bank of America has not right to keep my money. It's been 4 months and so far, no money, no answer, no nothing. 
thank you for your help on this matter. 
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 2023-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: CA

Complaint narrative:
I requested debt validation according to 12 CFR 1006.34 ( C ) from an online information service certified green card receipt signed on XX/XX/XXXX. I received a copy of the billing statement from the debt collector, Online Service Information, of the original creditor, XXXX. A billing statement is not a validation of debt.

Per CFPB Generally, the Debt Collection Rule requires a debt collector to provide a consumer who owes, or allegedly owes, a debt five categories of validation information : Debt Collector Communication Disclosure ( 12 CFR 1006.34 ( c ) ( 1 ) ) ; Debt-Related Information ( 12 CFR 1006.34 ( c ) ( 2 ) ( i ) - ( v ) ; 34 ( c ) ( 2 ) ( ix ) ) ; Itemization-Related Information ( 12 CFR 1006.34 ( c ) ( 2 ) ( vi ) - ( viii ) ) ; Information about Consumer Protections ( 12 CFR 1006.34 ( c ) ( 3 ) ) ; and Consumer-Response Information ( 12 CFR 1006.34 ( c ) ( 4 ) ).

A model validation notice that provides one way to comply with these content requirements is provided in Appendix B to the Rule. Use of this model validation notice provides a safe harbor for compliance with these content requirements ( as well as compliance with the format requirements ).

I did not receive any of the following documents required as a debt collector ; not only that, but I have an email from the XXXX showing my final bill paid on XX/XX/XXXX, and no other payment was due. I paid my last bill on XX/XX/XXXX, closed all my accounts, and moved out. I will attach an email showing the conversation with the dispute department showing the final payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Need information removed due ti 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 2023-12-21 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
In XX/XX/2023, I contacted Comenity Bank to inquire about a hardship program for my accounts with them due to illness and death in my family. During this time, I fell behind on my payments on a few cards. After speaking to a representative on the phone, I was granted a hardship program. However, I was concerned about credit reporting during this time. Typically, companies freeze credit reporting or do not report you as late when working with you to bring your account current. When I asked the representative and supervisor, they informed me that they could not disclose any information regarding what would happen with credit reporting. 

I wanted to know if I was going to be reported late, so I could pay what was past due to avoid this happening. After signing up for the hardship program, I was still reported late on one or two of my cards, even though I had made the payments. I reached out via secure email in the portal and was told I would hear something in about 30 days. However, I received a letter in the mail from all three cards that reported me late. The letter stated that I don't qualify for a goodwill negative credit reporting mark. I don't understand why I wouldn't qualify, as I have always paid my accounts on time and have never been in this situation before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: TX

Complaint narrative:
You were notified that the account XXXX is inaccurate and failed to correct or verify this account. Stop reporting for FDCPA non-compliance of inaccurate data furnished on my consumer report. I also submitted proof that my personal information was involved in Equifax data breach, and you still failed to investigate and provide a valid ID, copy of my ssc, or anything that would validate the alleged debt belongs to me. Lastly, my credit report will show that you are reporting inconsistent information to the credit reporting agencies such as the payment history and the date last active. The accurate reporting of this date is crucial for maintaining the integrity of my credit profile and ensuring compliance with the FDCPA. XXXX XXXX XXXX has lost all credibility with anything that they are reporting, and I will seek legal action if this account is not removed immediately. Please see the attached credit report and data breach claim id and remove the aforementioned account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You were notified that the account XXXX is inaccurate and failed to correct or verify this account. Stop reporting for FDCPA non-compliance of inaccurate data furnished on my consumer report. I also submitted proof that my personal information was involved in XXXX data breach, and you still failed to investigate and provide a valid ID, copy of my ssc, or anything that would validate the alleged debt belongs to me. Lastly, my credit report will show that you are reporting inconsistent information to the credit reporting agencies such as the payment history and the date last active. The accurate reporting of this date is crucial for maintaining the integrity of my credit profile and ensuring compliance with the FDCPA. XXXX XXXX XXXX has lost all credibility with anything that they are reporting, and I will seek legal action if this account is not removed immediately. Please see the attached credit report and data breach claim id and remove the aforementioned account from 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 2023-12-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
They have everything recorded they I dont have them on hand but I have a current balance I never used and they keep declining everything hoping I forget it so they can steal it when I need it as an emergency I cant even work tomorrow bc Im out of gas I barely made it home from two gas stations who said my card got declined by them not the store

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: DISCOVER BANK
State: LA

Complaint narrative:
I booked an appointment on XXXX with a hairstylist who unfortunately was very unprofessional and rude. She changed my appointment last minute causing me to miss several appointments I had scheduled that day, XX/XX/2023 ( approximately ). I took the style down the next day because it was hurting my head and pulling my hair out. I reached out to her on several platforms and also reached out to my bank requesting a refund. I submitted messages between myself and the stylist showing that she agreed to issue a refund. The 'merchant " 'XXXX  ' is not the one who is responsible for issuing refunds. It is solely up to the stylist. I have called my bank, Discover, and stated this numerous times and they will not listen to me. I have experienced discrimination and been treated terribly by nearly everyone in the disputes/investigations division. They are very short and argumentative with me and someone told me I could have fabricated the messages and they are going to side with the 'merchant ' because my documents are not 'authentic. ' I have been a customer for XXXX years and have never been treated like this by them. I need something to be done about the discrimination and unfair treatment that occurred. Preferably I would like my {$120.00} back like the stylist agreed to issue because that is the only XXXX who can agree to the refund, not 'XXXX  ' like the people at Discover think but they refuse to listen or believe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: CL Holdings LLC
State: MO

Complaint narrative:
Good Morning An account from your company is appearing on my credit report. I am not aware of having any account with your company. I request that you investigate this matter and provide me with the following : A legible copy of the original signed agreement for this account, which should show my personal information, as well as my signature. Name and contact information of the original creditor, if this account was transferred or purchased. Any other documentation verifying the account is, in fact, mine. If you can not or will not provide me this information, then I formally request you send me a letter stating that this account does not belong to me and that it will be removed from my credit reports. Until this matter is cleared up, I firmly request that you stop reporting this account altogether. Please give this matter your prompt attention. Thank you so much for your time.

see attached document

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I began receiving emails from XXXX addressed to XXXX. My name is XXXX. I submitted an unsubscribe several times over the past two weeks. I have never reached out to, nor browsed XXXX. 

The emails come from : XXXX XXXX XXXX : XXXX : XXXX ( XXXX ) XXXX XXXX : XXXX Most recently I received the attached email which shows XXXX but is from XXXX. It mentions : Email Security Zone : XXXX XXXX For your account ending in : XXXX Your credit limit : {$2500.00} It appears that this is a scam. That is why I have not initiated conversations with the sender of these emails other than to 'Unsubscribe '. 

My concern is that a 'credit card ' is mentioned associated with my email that has nothing to do with me.

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 2023-12-21 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: GA

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-12-21 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: AZ

Complaint narrative:
i started receiving calls from credit card companies last month. After i talked to them, it was clear that my ex wife had something to do with it. I talked to my ex wife and she admitted to opening accounts under my name without my knowledge. These accounts are fraudulent and where open without my knowledge.

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 2023-12-21 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
i started receiving calls from credit card companies last month. After i talked to them, it was clear that XXXX XXXX XXXX had something to do with it. I talked to XXXX XXXX XXXX and she admitted to opening accounts under my name without my knowledge. These accounts are fraudulent and where open without my knowledge.

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 2023-12-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I check my scores twice a day. Ive notice that my Experian score was do to rises but it didnt not Ive also notice that from the XXXX complaint my middle score was XXXX. My score has not return to this level. Its seem to me that achieving an XXXX score no matter what I do these companies just in fact, that this is more do to rascal then to reporting correctly. As a XXXX consumer I fill that these companies do not report correctly and will do what is need to hold my financial goals back.

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 2023-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: DE

Complaint narrative:
I am writing to express my dissatisfaction with your failure to furnish the requested documents and complete the debt validation process, as stipulated in my previous correspondences via mail. Given these circumstances, I insist on the prompt removal of the account you reported from XXXX. The fact that this is just being reported to only once by the credit bureau means that this collection account is definitely unverified and unjust. 

CREDIT CORP SOLUTIONS ( Original Creditor : XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: MI

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 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 has violated my rights. Or list of inquiries 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 2023-12-21 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: Experian Information Solutions Inc.
State: MI

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 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 has violated my rights. Or list of inquiries 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 2023-12-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal please review this complaint XXXX The reply stated Navy Federal approved my attorney XXXX XXXX XXXX as my AIF and Im requesting the day of that approval. It is stated he was removed XX/XX/2022 when they received a POA revocation document. But for our records were requesting Navy Federal to provide the exact day they claim they approved XXXX XXXX XXXX XXXX as AIF. 
What was the day my attorney was approved as my AIF? Thank you so much for providing this information. This previous complaint only says he was approved but no date was given,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Applied for an Amazon Chase credit card on XXXX was denied. Contact the landing team to retract my application due to the fraud. Phone call was disconnected on 3 different occasions of trying to resolve this issue. Spoke with a supervisor XXXX, stated they can't retract my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm so disappointed on how this came in form my credit report. I've never been late and I work myself day and night which is so unfair to me as you aer damaging my reputation as a 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