vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
InXX/XX/2019 my bank account was fraudulently charged {$700.00}. I contacted the bank and The Bank placed a temporary credit onto the account while they did the investigation. I attempted to close the account because there were multiple problems of people getting my card information and spending the money as I was closing the account they withdrew The credits and sent my bank account back- {$700.00}. I originally contacted them to try to figure out why the credits were placed back and why the account was still open even though I had closed it, and all they sent me was an account information sheet with all the charges that have been made and everything like that, it didnt help me at all didnt explain anything at all, and they said that there was nothing they could do for me Its been XXXX plus years. The balance is now down to {$190.00} that I supposedly owe them and I can not get in contact with them at all. This has caused me not being able to open new bank accounts.

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 2024-09-10 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: AL

Complaint narrative:
I am writing to formally express my concern regarding the unresolved inaccuracies in my credit report. Despite multiple attempts to dispute the erroneous accounts, I have not received a satisfactory resolution or corrective action. These inaccuracies are negatively impacting my credit file and causing significant financial hardship. 

I kindly request that you conduct a thorough investigation into the reporting of the disputed accounts and take the necessary steps to correct and update my credit report. It is essential that these errors are rectified promptly to prevent further harm to my financial well-being. 

I urge you to address this matter with the utmost urgency and provide me with confirmation of the corrective actions taken. Your prompt attention and assistance in resolving this issue would be greatly appreciated. 

Thank you for your understanding and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-09-10 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: VA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2024-09-10 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: WA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-09-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MIDWEST RECEIVABLE SOLUTIONS LLC
State: WI

Complaint narrative:
Midwest Receivable Solutions XXXXXXXX XXXX {$1600.00} I am writing to dispute the validity of the debt referenced above, which you claim I owe. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C. 1692 ( g ) and 15 U.S.C. 1692 ( c ).

1. Validation of Debt under 15 U.S.C. 1692 ( g ) : In accordance with 15 U.S.C. 1692 ( g ), I am requesting that you provide validation of this debt, including : The amount of the debt ; The name of the original creditor ; Any supporting documentation that shows I am responsible for the alleged debt.

Until you provide sufficient validation of this debt, I am requesting that you cease all collection activities, including reporting this debt to credit reporting agencies.

2. Cease and Desist under 15 U.S.C. 1692 ( c ) : I am also requesting that you immediately cease all communication with me regarding this debt, except as required to provide the requested validation or to inform me that collection efforts have been terminated.

Please note that I will not hesitate to take further action to protect my rights under federal law if your company fails to comply with my requests.

I expect your prompt response within the 30-day time period as stipulated by federal law. Failure to respond in the required timeframe may result in legal action or complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

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 explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Services Group, Inc. d/b/a ConServe
State: WI

Complaint narrative:
To Whom It May Concern, I am writing to dispute the validity of the student loan debt referenced above, which you claim I owe. I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C. 1692 ( g ) and 15 U.S.C. 1692 ( c ).

1. Validation of Debt under 15 U.S.C. 1692 ( g ) : In accordance with 15 U.S.C. 1692 ( g ), I am formally requesting that you provide validation of this debt. Please provide the following : The amount of the debt ; The name of the original creditor ; A copy of any documents that prove I am responsible for the debt, including any agreements or contracts I signed with the original creditor ; An itemized breakdown of how the amount claimed was calculated. 
Until such time as this information is provided, I request that you cease all collection activities, including reporting this debt to any credit reporting agencies. 

2. Cease and Desist of Communication under 15 U.S.C. 1692 ( c ) : Additionally, pursuant to 15 U.S.C. 1692 ( c ), I hereby request that you cease all communication with me regarding this debt, except as required to provide the requested validation or to inform me of any changes in the status of this debt ( such as the decision to cease collection efforts ).

Please note that failure to provide the requested information, or any further communication in violation of this notice, may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory authorities, and I reserve the right to pursue legal action under federal law. 

I expect a prompt response to this matter within the legally mandated time frame of 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
In the Retail Installment Contract, there were several areas the were designated N/A. The first N/A was in the upper right box asking if the vehicle was for personal, business..etc. This question was answered for me. But there is a clause at the bottom of page one that states that if the vehicle is for personal use that finance charge would not apply to the purchase, yet the box was answered for me, no full disclosure. This makes every question/statement declaration on said contract false information. If info was truthfully applied correctly the correct amount of the contract would be drastically different in the amount of {$32000.00}, the finance charge. The next issue is the FEDERAL TRUTH-IN-LENDING DISCLOSURES BOX5. " The total cost of your purchase on CREDIT, including your down payment ''. This box indicates that the credit paid for the vehicle on the date the contract was signed XX/XX/year>. This is also a problem based off of the finance charge that should have not been applied because the vehicle is for personal use. I reached out to Mercedes Benz Financial Services multiple time on recorded conversation trying to remedy the situation per the contract thru arbitration, they claimed they were unaware left me on hold multiple times only to have my vehicle repoed. They repoed the car with no court order, no lien or title so technically they're holding my car ( that's paid for thru the credit received at the signature per first paragraph on page 1 ) for ransom. My credit has suffered because of false claims of late payments on a false loan based of misleading information, no equal consideration for both parties in the contract, which basically is trying to make me pay twice with cash installments thru 72 months and my credit via my signature paragraph 1, page 1.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Was told that the late mark on my credit would be removed due to the lateness being a technology error. The payment hadnt gone through properly and instead they never notified me. They just marked my credit and never mediated the situation. It has been on my credit for 2 years and no one has done anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I have requested false reporting and unauthorized reporting of my consumer rights to remove all negative and collections from false information of my consumer report,,, ,15us c1681 b-stats must respect privacy on consumer data and rights and must delete all collection and chargeoff from consumer profile,,, ,15us c1681 s2 8e3 -stats that agency must comply to consumer rights and request and have 30 days to respond and must be deleted and boost consumer credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: AL

Complaint narrative:
I am writing to formally express my concern regarding the unresolved inaccuracies in my credit report. Despite multiple attempts to dispute the erroneous accounts, I have not received a satisfactory resolution or corrective action. These inaccuracies are negatively impacting my credit file and causing significant financial hardship. 

I kindly request that you conduct a thorough investigation into the reporting of the disputed accounts and take the necessary steps to correct and update my credit report. It is essential that these errors are rectified promptly to prevent further harm to my financial well-being. 

I urge you to address this matter with the utmost urgency and provide me with confirmation of the corrective actions taken. Your prompt attention and assistance in resolving this issue would be greatly appreciated. 

Thank you for your understanding and support.

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 2024-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On the XXXX of XX/XX/year>, I made a check deposit at a Chase bank atm for an amount of {$23000.00}. The check was drafted from my business account which i intend to close and it cleared in my chase bank account. I forgot to write a date on the check when making the deposit which was a sincere human error on my part, chase decided to lock my account due to this check issue and i reached out to them to rectify the issue. We did a 3way call with Chase bank on the line as well as me the account owner and XXXXXXXX XXXX which the check was deducted from and they confirmed to chase that i own the account and the check was authorized. Chase as since refused to unlock my account and release my money to me saying XXXX has to request for a return which XXXX claims since the check has cleared in chase and chase took the money out, they should just return the payment back because if XXXX is to request a return it will take at least 2 months to get back which i don't have that much time considering my financial situation. I will attach a copy of the check in question alongside a screenshot of my XXXX account showing the check cleared and was deducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: MD

Complaint narrative:
RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 



1. XXXX - XXXX XXXX. XXXX XXXX - XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate 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 2024-09-10 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
Consider this letter a NOTICE AND DEMAND TO CEASE AND DESIST. 
You have been dutifully and lawfully warned. 
I noticed a COLLECTIONS entry from XXXX XXXX XXXX trespassing on my XXXX, XXXX, and XXXX credit reports dated XX/XX/XXXX. 
You are erroneously reporting a contractual debt and that a civil dispute exists between us.

There is none to my knowledge. Produce the contract that exists between us, otherwise DELETE the COLLECTIONS trespassing-entry from my property. Contract Law supersedes all Federal and State Rules, Regulations and Statutes. 
If you are attempting to enter this alleged civil dispute without contract, with my expressed and written permission to include my wet ink signature, you are committing trespass ( see : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. I am not a corporation or any ens legis entit.

If you are the Fiduciary in this commercial Matter, I need a copy of the contract between us to continue further communication. I do not give permission or consent by assent for you to enter as a third party to this alleged civil dispute, nor to issue letters of threat against my private Property or my Person, including you and / or your agents reporting erroneous and harmful information to various credit reporting entities. 
Produce a Contract, Delegation of Authority, Regulatory Authority or cease and desist. Unless you are a Secured Party, Holder-in-Due Course, Creditor, Debtor or Signatory on the original Contract, you are a third party. You are a liability and no assistance in this commercial Matter. Take Notice : You are lawfully and legally dismissed. I will not discuss my Private Affairs with an unqualified Third Party Interloper / Trespasser. 
In your next correspondence, please forward the instrument that establishes the debt obligation between XXXX XXXX XXXX and XXXX : XXXX plus your ID and Delegation of Authority ( to wit : UCC3-501 ( b ) ( 2 ) ).

OTHERWISE you will be accepting my explicit offer to pay {$150000.00} per entry, for my permission to maintain the COLLECTIONS word on each bureau to include XXXX, XXXX, and XXXX. 

Hence, I, XXXX : XXXX, hereby declare that your non-removal of three COLLECTION entries constitutes your acceptance to my offer, a binding contract. I categorically emphasize that XXXX XXXX XXXX MUST pay a total of {$450000.00} for my explicit permission to maintain the COLLECTIONS entries on my name, my reports, my property. 
Be forewarned and hereby notified that this offer and your acceptance is contractually binding. My permission for XXXX XXXX XXXX to maintain three COLLECTION entries on the three credit reporting bureaus trespassing in MY property, XXXX : XXXX, is {$450000.00}. TAKE NOTICE : This is a Notice and Demand. 
***Notice to agent is notice to principal***

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-10 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-10 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: OK

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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