vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 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: RI

Complaint narrative:
Dear XXXX, After checking my credit report from your organization, i discovered inaccuracies that needs to be addressed immediately to ensure the accuracy of my report, pursuant to 15 USC 1681e ( b ) Account Information : Name : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account # XXXX Original Creditor : XXXX XXXX XXXX XXXX 
Amount : {$3000.00} This debt collector engaged in abusive, misleading, and unfair FDCPA activities, which are prohibited. They provided this account, which we did not agree on and I did not sign. A legal contract is signed by two parties, and I was not involved in any of it. Furthermore, they failed to follow the necessary five-step validation procedure, making their acts unfair According to the FDCPA, I am entitled to {$1000.00} each infraction, and they blatantly violated my rights. I demand that this corporation remove this account from all three credit reporting agencies and reimburse me for the infractions, or I will have no alternative but to forward this to my legal attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: RI

Complaint narrative:
Dear Sir/Madan, After checking my credit report from your organization, i discovered inaccuracies that needs to be addressed immediately to ensure the accuracy of my report, pursuant to 15 USC 1681e ( b ) Account Information : Name : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account # XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX 
Amount : {$3000.00} This debt collector engaged in abusive, misleading, and unfair FDCPA activities, which are prohibited. They provided this account, which we did not agree on and I did not sign. A legal contract is signed by two parties, and I was not involved in any of it. Furthermore, they failed to follow the necessary five-step validation procedure, making their acts unfair According to the FDCPA, I am entitled to {$1000.00} each infraction, and they blatantly violated my rights. I demand that this corporation remove this account from all three credit reporting agencies and reimburse me for the infractions, or I will have no alternative but to forward this to my legal attorney.

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 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I had a payment scheduled from my sofi savings account towards my bank of america credit card scheduled for its due date the XXXX. As it turns out bank of america had an error scheduling the payment on their platform, and my account was for some reason unenrolled from automatic email payment notifications, so I had no way to know the payment was not scheduled succesfully. Upon discovering this I immediately contacted bank of america, and a support representative told me that I should not be worried, after I told them I scheduled the payment the day after. I have now been charged a {$35.00} late fee by bank of america for this fault, which I'd like to have withdrawn.

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 2024-02-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Its a car in my name that I have no idea where it come from! All my vehicle are cash bought! I never had enough good credit to get a car loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: NY

Complaint narrative:
On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank has failed to send mail correspondence regarding a fraud claim on a personal account covered under regulation E. Bank has denied claim multiple times, and has failed to send mail correspondence regarding merchants, response, or any email correspondence regarding claim other than the initiation of the claim. Claim was filed within 30 days of the transactions in XXXX. Fraud disputes department is deliberately not providing detail reasons of denial in writing, through the mail which makes it difficult for me to respond. I provided enough detail over the phone to counter any arguments made by merchant/bank on the claim. I mostly received mail on past claims unless the bank is hiding something and ruling against me. In those cases, they almost always fail to send mail correspondence which violates EFTA regulation E on personal accounts. Im still waiting on mail correspondence on the claim which was supposedly mailed by the bank on XX/XX/XXXX, from what their claims department has said. 

Bank of America is not protecting me against fraud as theyre suppose to and as they advertise. Instead theyre enabling it with payment providers such as XXXX XXXX I never made any transactions of this size with the merchant in dispute. One of my additional devices was probably assessed by a former roommate at the time, without authorization, who is suspected to be behind these transactions in areas and under IPs i use. I wasnt aware at the time of how these transactions may have occurred The status shown on there website isnt accurate and is less than helpful

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 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received an emails from both XXXX XXXX XXXX XXXX and American Express saying that they had received an application for credit that I did not initiate ( i.e., this was identify theft ). I followed up with AMEX and XXXX to cancel/flag the application/credit inquiry and XXXX suggested that I file a report with the FTC and upload when finished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IN

Complaint narrative:
I.C. System has obtained this account as a result of material misrepresentation, fraud, & Identity Theft pursuant to 15 USC 1681 a ( q ) ( 3 ), 18 U.S. Code 1028A ( a ) ( 1 ( 1 ) ( 2 ), IC 35-43-5-3.5 & IC 35-38-1-2.5 ( see Exhibit A ). XXXX did not legally obtain my consent to sale, transfer, assign, or disclose any my personally identifiable financial information aka non-public personal information pertaining to this account with I.C. System or any other third part as regulated by 15 U.S. Code 6802 of the XXXX. Additionally, XXXX failed to provide the consumer with FULL disclosure in the initial agreement. Failure to provide FULL disclosure of material information that is known to be relied upon by the consumer is misleading, an unfair method of competition, and unfair & deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: TX

Complaint narrative:
As far as I understand, FCRA 605B  mandates the removal of inaccurately reported accounts from credit reports. I'm unsure about the details, but I urge you to examine the accounts provided in the documents. They're inaccurately reflected on my credit report, with incorrect account details and statuses. This situation has left me feeling XXXX  and XXXX. Your help with this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
So I sent a letter to the credit bureau to remove personal information that I dont want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.these are clear violations of my federally protected consumer rights.

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 2024-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Yakima County Credit Service, INC
State: WA

Complaint narrative:
I contacted YCCS A National Collection System on XX/XX/XXXX, at XXXX XXXX. It was regarding a past due amount letter they had sent to me ( dated XX/XX/XXXX ). I informed them that I previously spoke with them 14 months prior. That was on XX/XX/XXXX, at XXXX XXXX. I informed a person named XXXX that 14 months prior I had requested a copy of the contract, or binding agreement, with XXXX XXXX XXXX XXXX. I made a request to a collector at YCCS A National Collection System who was identified as # XXXX. I was never provided a copy of the contract with XXXX  XXXX XXXX XXXX by YCCS A National Collection System. The collector referred to as # XXXX said in a recorded call that YCSS A National Collection System would mail me copies of my contract with XXXX XXXX XXXX XXXX. The contract was never sent to me. XXXX informed me that the contract was mailed to the address they have on file. I asked XXXX if they had proof that they had mailed the contract I had with XXXX XXXX XXXX. XXXX stated in a recorded call that they could not verify that the contract was mailed, but it was mailed, and I would have to check with my postal service. I informed XXXX that it would be unprofessional and negligent for YCCS A National Collection System to send me a copy of my contract without some type of letter indicating what was being sent to me, or at least a letterhead of some type. I also informed XXXX that I doubt they would just send me a contract copy without explaining what was being sent. XXXX informed me during the recorded call that when YCCS A National Collection System sends documents like contracts that they at least provide a letterhead with the documentation being sent. I said that should be enough to prove that that the contract was sent. That is why I do not believe they mailed the contract to me. I informed XXXX that I do not believe that YCCS A National Collection System followed through on the request I made to # XXXX on XX/XX/XXXX, to have the contract sent to me. I never entered into a contract with XXXX  XXXX XXXX XXXX, I informed XXXX and YCSS A National Collection System. YCSS A National Collection System failed to send me what I requested of them ( the contract ). They also never made contact with me in a 14-month period, after I made the request for the contract with XXXX XXXX XXXX XXXX . I also am requesting prove that YCSS A National Collection System notified me of the debt in the appropriate timeframe and am still waiting for a debt verification letter I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: TX

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my 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 explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
While booking a flight on aa.com, I was presented with a banner to open a Citi AAdvantage card with the following terms : - Spend {$1500.00} and receive XXXX AA miles- Receive a {$400.00} statement credit toward AA purchases I clicked on the banner and was approved for the card, which I then used to book the flight. However, on my first statement, only a {$200.00} statement credit was applied. I called Citi and was told that the offer they had on file had a {$2000.00} spend, {$200.00} credit and XXXXXXXX AA miles. 

Through many phone calls, online chats, and emails, I attempted to get Citi to rectify this problem. I showed them that the offer I responded to was STILL being advertised on aa.com. At various points, I was told to email someone or that it simply could not be changed. I find this unacceptable, deceptive, and evasive. 

Others continue to experience this exact same bait-and-switch, such as this blogger and the many people who have replied with similar tales : XXXX XXXX XXXX-citibank-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 2024-02-14 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: MD

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: IL

Complaint narrative:
This communication is in regards to Accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, that have been furnished to my consumer report by the Original creditors, respectfully. These alleged debts are showing on my consumer reports as collections or charged off but there hasn't been any 1099c sent to me for these alleged debts, if its charged off, per the IRS regulations. That is tax fraud and identity theft. Under law this income should have been reported on a 1099c and I have not received it in the mail. You are liable to pay a penalty if that has not been sent. These alleged debts should not be reporting to any consumer reporting agencies, as these alleged debts, after being charged off, are considered to be INCOME to the consumer, and therefore have no place on a consumer report. I have disputed directly with the consumer reporting agencies, but the have not been of any service. Its nearly impossible to speak with a live agent when you call them. In addition, the furnishing of these accounts is a direct violation of several federal regulations, including the FCRA, REGULATION P, The Privacy Act of 1974, as I, the consumer, have not given any entity the express written consent to furnish any of my nonpublic personal information. I am now exercising my consumer right to OPT OUT. Please remove these accounts IMMEDIATELY as they are causing my family and I great harm and distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: CA

Complaint narrative:
I am notifying you that this item has originated from identity theft. This item has been reported to the Federal Trade Commission and is pending investigation.

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 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
this will be the 3rd attempt to get my application retracted. bank of america continues to ignore my request to retract my application. i have left several messages and have received no response. they have discriminated against me and withheld my access to my securities.

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 2024-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RAS LaVrar, LLC
State: FL

Complaint narrative:
Hi, this complaint is for harassment, today on XX/XX/2024, I was informed a process server was asking questions about who live at my address. Ras Lavrar LLC and it's attorneys ' XXXX XXXX, XXXX XXXX. XXXX and XXXX XXXX, XXXX XXXX. XXXX is harassing me at this point for a debt that was paid since XX/XX/2024. Please see my payment confirmation from their website. 

They continue to be unprofessional and unethical. This debt is paid already with them using unfair tactics and now they want to harrass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: FL

Complaint narrative:
Received an alert from XXXX XXXX connected to my XXXX XXXX credit card. My credit rating went from XXXX to XXXX due to a negative indication that I am in a collection/chargeoff status with Mercantile Adjustment Bureau in an attempt to collect {$450.00} from a utility company in XXXX. I live in XXXX same address since XXXX after relocating from XXXX XXXX. Never been to XXXX. I contacted XXXX when this first appeared around XX/XX/XXXX and thought it was removed. I contacted them again today XX/XX/XXXX and also called Mercantile. I had to leave a message with Mercantile to call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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 victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Us auto filed bankruptcy on a vehicle thats I had paid off in full they never removed there name n lien off the title

Company response to consumer: Closed with explanation