vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: IL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, I have attached a copy of my report to this complaint on the following dates ( XX/XX/24, XX/XX/24 ). I'm now requesting you to investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: IN

Complaint narrative:
on or about XX/XX/year> I sent Credence Rescource Management LLC a debt validation letter, Because they sent me a collection letter for an ALLEGED with XXXX XXXX XXXX XXXX previously sometime in XXXX or XXXX. they then sent a bill nothing in the debt validation letter was delivered.i asked for a detailed breakdown including, the original creditors name, the original account number, dates of transactions, and a complete breakdown of any fees or charges that I have accrued. that is in violation of the FDCPA, FCRA a violation of my privacy and 18 U.S.C 1028 A I demand this be removed from my consumer report by all agencies an compensation for any an all violations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA XXXX XXXX XXXX- I submitted claims with the USAA Fraud Dispute Department between XX/XX/XXXX - XX/XX/XXXX regarding a XXXX XXXX XXXX XXXX to my XXXX XXXX account. I provided all of the supporting documentation to ensure that USAA Bank would process the fraudulent amounts off of my account. However, they did not process the claims, nor did they attempt to process the claim as I was in contact with XXXX XXXX XXXX  and they provided in writing that the mistake was made and my card should have not been charged, but they had not refunded the money and due to my telling them that I would be submitting a dispute/fraud claim with my bank. USAA simply denied the dispute/fraud claim without due process or review. Multiple attempts to contact USAA went unanswered with no recourse. They have place my account in a negative status despite the attempts to contact and provide the supporting documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XXXX I received a check from my insurance company for payment for my medical provider for services not paid directly through the insurance company. I did a mobile deposit for the check in the amount of XXXX. After depositing the check through my mobile app it confirmed that the funds would be available on XXXX. XXXX the funds were not available and I did not receive any notification as to why. I made arrangements with the offices to have this money paid on this date due to what was confirmed on the mobile app on XXXX. I reached out to customer service and was advised that the check was on hold for an additional 7 days but did not show why. I asked to be transfered to a supervisor and was given another number to call. Upon calling this number I explained my frustration and wanted an answer as to why I was not notified of this extension. This bank can call or email regarding my account if I've overdraft but when its in reference to something I feel is more important I'm left in the blind. I would not have know about an extention if I hadn't took the time to reach out. This bank has been insufficient in the past regarding communication attempts. I'm highly frustrated at the fact that you don't reach out to communicate what I feel is very important. This put me in a deeper bind due to expecting to get this issue cleared on the date provided and now I don't have a definite date of when the funds will be released to me. I even reached out to my insurance company to confirm the check and I have also had checks sent to me in the past from my insurance company and never had an issue with it being cleared until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I requested all supporting documentation, they did not provide. I did however provide the bank with all of my supporting documentation, it was ignored and not processed. These documents included court documents. Called Chase Bank on XX/XX/year> to inquire about the status of my accounts merged an the claims, however, they had no information regarding the claims from First Republic Bank. I was informed by the customer service specialist at the time to allow for the merger to process and give 3-5 days for accounts to go back to normal and all information transferred. I was also informed that there was a claim subunicamitted regarding this and that someone would reach out to me by XX/XX/year>. However, to date I have not received follow-up communication and all of my further attempts have gone unanswered. 

Chase and First Republic Bank are responsible for failing to properly follow FDIC depository laws and guidelines & consumer protections. Both Institutions have failed to properly file and provide due process to the claims filed with First Republic Bank in XXXX and XX/XX/year>. All attempts to communicate with the proper assigned departments have been documented and reported to the FDIC

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: LA

Complaint narrative:
The original source documents were requested for verication through physical validation, however Experian and XXXX XXXX failed to provide any such proof. This account is being reported fraudulently and in violation of FCRA, FTC, and the Sherman Act of 1890. The original creditor has failed to perform and continues reporting in error through misleading and deceptive practices. Section 5 of the Federal Trade Commission Act ( FCT ACT ) ( 15 U.S.C. Section 45 ) strictly prohibits unfair, deceptive, false, and misleading acts or practices, representations, and omissions that mislead or are likely to mislead the consumer, and that are material in or affecting commerce to include dealers, banks, servicer 's and or depositors. XXXX XXXX has failed to provide proof that the account is not an investment, or futures security thereby constituting a Trust Agreement and is not a contract. XXXX XXXXXXXX XXXX failure to perform violates the Sherman Antitrust Act of 1890 which is punishable by criminal offense.

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the UCC outline the necessary legal requirements. Please see the attached file for what I am complaining about.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: NY

Complaint narrative:
I attempted to use my Amex gift card ( purchased on XX/XX/XXXX ) from XXXX. On XX/XX/year>, I made XXXX attempts all with various amounts to make a purchase on XXXX. The gift card was for {$50.00}, I tried {$49.00} and {$9.00}. Starting with XXXX dollar less and continued to try various lower amounts. Many people have reported having this problem during the year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the UCC outline the necessary legal requirements. Please see the attached file for what I am complaining about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: MI

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX  XXXX # XXXX, opened XX/XX/XXXX XXXX XXXX : # XXXX, opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX I reviewed my XXXX credit report on XX/XX/XXXX, and noticed several inaccuracies and incomplete information. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, as stated in 15 USC 1681e ( b ).

Furthermore, under 15 USC 1681i, they are required to handle inaccurate or unverifiable information as follows : 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 ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Additionally, according to 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Given these circumstances, I request immediate correction and compliance with the FCRA requirements. Please confirm receipt of this email and inform me of the actions taken to rectify the inaccuracies in my credit report. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX  XXXX # XXXX, opened XX/XX/XXXX XXXX XXXX : # XXXX, opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, opened XX/XX/XXXX I reviewed my Experian credit report on XX/XX/XXXX, and noticed several inaccuracies and incomplete information. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, as stated in 15 USC 1681e ( b ).

Furthermore, under 15 USC 1681i, they are required to handle inaccurate or unverifiable information as follows : 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 ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Additionally, according to 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Given these circumstances, I request immediate correction and compliance with the FCRA requirements. Please confirm receipt of this email and inform me of the actions taken to rectify the inaccuracies in my credit report. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-06-18 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 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
Consumer complaint received 2024-06-18 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: ENCORE CAPITAL GROUP INC.
State: ND

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to North Dakota FCRA Identity Theft Fraud Laws Dear MIDLAND CREDIT MANAGEMENT, I am writing to address a serious issue concerning the unauthorized reporting of information to my credit report, which violates the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the North Dakota Consumer Credit Report Security Freeze Act, and identity theft fraud laws, specifically North Dakota Century Code Section 51-29.

It has recently come to my attention that ( company name ) has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as detailed in the FCRA, expressly requires consumer consent for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, North Dakota state law, particularly the Consumer Credit Report Security Freeze Act, underscores the requirement of consumer consent for credit reporting. This law ensures that consumer credit information is reported fairly and accurately.

Furthermore, identity theft fraud laws, including North Dakota Century Code Section 51-29, highlight the seriousness of unauthorized access and misuse of personal information. 

I wish to emphasize that I have not provided consent for ( company name ) to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially harming my creditworthiness and demonstrating disregard for federal and state laws. 

Therefore, I demand that ( company name ) immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant North Dakota laws. Failure to comply within the specified 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including identity theft fraud statutes. 

Obtaining consent is not optional but a legal obligation under these specific sections of the FCRA, North Dakota state law, and identity theft fraud laws. This is not negotiable ; it is a demand for compliance with federal and state regulations, protecting consumers such as myself from unauthorized and damaging credit reporting. 

I anticipate your prompt attention to this matter and expect that ( company name ) will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief