vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1600.00} XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
Consumer Financial Protection Bureau Attention : Consumer Response Team Re : Request for Removal of Creditors from Credit Report Dear Sir/Madam , I am writing to bring to your attention certain inaccuracies on my credit report, specifically regarding listed creditors. Pursuant to the provisions outlined in 15 U.S. Code 1692c, I respectfully request your assistance in rectifying this matter.

Upon reviewing my credit report, I have identified several creditors listed whose information is either inaccurate or outdated. These inaccuracies are negatively impacting my creditworthiness and financial standing. As a consumer, I am entitled to fair and accurate reporting of my credit information, as mandated by federal law.

I request that the Consumer Financial Protection Bureau intervene on my behalf to ensure the prompt removal of the following creditors from my credit report : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX I have made diligent efforts to resolve these discrepancies directly with the credit reporting agencies, but the inaccuracies persist. Therefore, I am seeking your assistance in facilitating the removal of these creditors from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws.

Enclosed with this letter are copies of my credit report highlighting the erroneous creditor listings for your reference.

I kindly request that you investigate this matter promptly and take appropriate action to ensure that my credit report accurately reflects my credit history. Additionally, I would appreciate receiving written confirmation from the Consumer Financial Protection Bureau once the necessary corrections have been made.

Thank you for your attention to this matter and for your assistance in resolving these discrepancies. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
Consumer Financial Protection Bureau Attention : Consumer Response Team Re : Request for Removal of Creditors from Credit Report Dear Sir/Madam , I am writing to bring to your attention certain inaccuracies on my credit report, specifically regarding listed creditors. Pursuant to the provisions outlined in 15 U.S. Code 1692c, I respectfully request your assistance in rectifying this matter.

Upon reviewing my credit report, I have identified several creditors listed whose information is either inaccurate or outdated. These inaccuracies are negatively impacting my creditworthiness and financial standing. As a consumer, I am entitled to fair and accurate reporting of my credit information, as mandated by federal law.

I request that the Consumer Financial Protection Bureau intervene on my behalf to ensure the prompt removal of the following creditors from my credit report : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX I have made diligent efforts to resolve these discrepancies directly with the credit reporting agencies, but the inaccuracies persist. Therefore, I am seeking your assistance in facilitating the removal of these creditors from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

Enclosed with this letter are copies of my credit report highlighting the erroneous creditor listings for your reference. 

I kindly request that you investigate this matter promptly and take appropriate action to ensure that my credit report accurately reflects my credit history. Additionally, I would appreciate receiving written confirmation from the Consumer Financial Protection Bureau once the necessary corrections have been made. 

Thank you for your attention to this matter and for your assistance in resolving these discrepancies. 

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 explanation
Consumer complaint received 2024-04-18 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: OH

Complaint narrative:
I consistently make on-time payments. I am confident about this. What baffles me is why this company is marking me late in some months, which shouldn't happen. As per USC 1666b, any billing errors must be rectified, or else they'll owe me {$1000.00} for each inaccurately reported account.

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 2024-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to 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 2024-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NC

Complaint narrative:
I consistently make on-time payments. I am confident about this. What baffles me is why this company is marking me late in some months, which shouldn't happen. As per USC 1666b, any billing errors must be rectified, or else they'll owe me {$1000.00} for each inaccurately reported account.

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 2024-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BROADVIEW MORTGAGE CORPORATION
State: NY

Complaint narrative:
I attempted to close my account multiple times with the bank due to them constantly getting scammed and providing no protection for consumers and they would not close the account, allowing monthly fees to incur. I made XXXX disputes with the bank and requested information regarding any balance and they never provided the information. This has been ongoing for years.

Company response to consumer: Untimely response
Consumer complaint received 2024-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2024 around XXXX I received a phone call and caller ID said JPMorgan Chase . At the same time of taking the call I received a text message stating it was Chase Bank fraud alert saying that they were declining an {$830.00} charge for an XXXX XXXX. Caller on phone said he was calling from Chase fraud department and that they were trying to verify activity on the account. He asked if i was in Florida where the charges originated which i stated I was not and that i didnt authorize those charges. He said they would fix them and refund the charges. He asked if i was attempting a wire transfer as that was showing up on my account as we were talking. I said no it was not me and that I dont authorize it. He said the amount which was {$42000.00} and to a company name I didnt recognize and I then stated again i didnt authorize it. He said they had a lot of different devices on the account and named off different phones and computers devices that they could delete off there to stop anymore transactions. When he got to my phone they requested me to log in to verify that it was the only device on the account. After that they sent a code through the Chase account and requested that code to verify it was me just like Chase had done before. After he was done setting things straight he said the transfer was on hold and that it would appear the money was gone but not to worry that it was just on hold. This call lasted over an hour and a half and didnt seem off at all. When I hung up I called my Chase Business account personal banker to verify they had fixed everything. She didnt call back for over an XXXX XXXX XXXX When she called she asked what info and asked for the number that called me. I gave her the info and she said she would call me back. When she called back she stated that in fact those were scammers and they stole the {$42000.00}. She was filing a claim and that they werent sure if they could reclaim my money. After days of fighting with Chase Bank and XXXX and even the local police and FBI Ive gotten no info back other than they denied my claim and werent going to return the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NC

Complaint narrative:
I consistently make on-time payments. I am confident about this. What baffles me is why this company is marking me late in some months, which shouldn't happen. As per USC 1666b, any billing errors must be rectified, or else they'll owe me {$1000.00} for each inaccurately reported account.

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 2024-04-18 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: PA

Complaint narrative:
On XX/XX/year> I was sent an identity theft report from transunion ti file out and send in to while I did. One of the accounts that was the result of identity theft to which is XXXX XXXX  was not addressed or blocked it has been well over 30 days to which information that Is an accurate incomplete or can not be verified must be deleted per the FCRA.

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 2024-04-18 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
To : XXXX XXXX XXXX, agents, representatives, & employees I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g and 15 USC 1681 ( e ) B. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT.

VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with EXPERIAN, XXXX, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. 
This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
The original creditor is in noncompliance with the Privacy of Consumer Financial Information Rule of the XXXX XXXX XXXX XXXX for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. This notice makes you are and you are an accomplice.

I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING.

THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 
Sincerely, XXXX XXXX I have requested a XXXX form showing cancellation of debt that I have not received. This company also shared my personal information with a third party repossession company without my consent which is illegal according to 15 USC 1681a-2. According to NMLS Consumer Access, this company is not licensed to collect debt in my state or state of residence.

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 2024-04-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writing to lodge a formal complaint against XXXX XXXX concerning a defective {$1200.00} couch that I purchased. Despite immediate notification to both the store and the finance companyXXXX XXXX XXXX ' replacement attemptshandled over XXXX separate occasionsalso resulted in defective merchandise being delivered, as confirmed by their delivery personnel. 

Persistent efforts to resolve this matter were met with inadequate responses. Despite legal representation requesting store credit or removing the defective couch, the store neither remedied the situation nor collected the merchandise. Subsequently, the store opted to close and charge off my account.

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 2024-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to 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 explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2024 After several attempts with over 90 % in failure as the XXXX  in the app ( which I had requested several times to be remove for XXXX as it does not understand what I message same for their auto bot who automatically hangs up or precedes to never understand speech and ensures over XXXX waits in which almost an hour can go before someone answers to be XXXX as I have little to no patience for this given my past 2 years request denied deposit the emotional outbursts produced by their vs and ai ) Was to dispute a transaction of a {$15.00} hold from cash app which left my account - {$7.00}. Fraud department said as it was done by routing, it can be stopped. The {$15.00} had not been moved as my cash app card was declined. I checked and saw the funds were in my Bank of America account still. No pending addition from XXXX XXXX I had m Bank of America card where the funds were at more than XXXX after the failed move, was still at. 

XXXX XXXX refused to listen even as I gave proof from the card decline and etc. l BOA said no dispute required. 

Went over claims I had been recently informed that there weren't any. 
Explained the Zip dispute. Initially stated I am not going to drop until I have the money to do so. 
She replied that no credit was given. So I agreed to drop it. 

Later that evening to get gas to go home as my gas light was on, to discover they put a hold of {$26.00}. My account now- {$14.00} and no gas money Despite my being alone in a county I didn't live in and the fault BOA XXXX times over, did nothing. 

Left overnight putting my safety at risk More than XXXX weeks after disputing XXXX who still refuse to refund me the down payment for a canceled order. One in which I received a refund from afterpay for. Told by two claiming management afterpay doesn't give refunds ( i just had one by them ) and XXXX owes me my refund. Then continues to ignore the email sent by XXXX stating it was canceled and send documents stating no evidence m, pay up. 

Bank of America has been in talks with them Has not requested my documents And after being left as I was believe that they are not acting in my best interest but AGAINST men

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 2024-04-18 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: NC

Complaint narrative:
Under FCRA 605B, it is necessary to expunge any inaccuracies from my credit report. I urge you to review the documents promptly and remove the listed erroneous accounts accordingly.

Company response to consumer: Closed with explanation