vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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: OH

Complaint narrative:
Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like to this item re-investigated. The inaccuracies are highly injuries to my credit score. 
XXXX XXXX Bank ( Account XXXX : XXXX ). 
In accordance with The Fair Reporting Act, Public Law 91-506, Title IV, Section 611, please provide the names and business addresses of each individual with whom you verified above. So I XXXX follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: FL

Complaint narrative:
My company purchased an American Express XXXX card on XX/XX/year> for {$50.00}. I tried using it and although normally the {$50.00} would be taken from the total amount, the merchant couldn't accommodate this. 

This caused the card to be flagged for fraud when I went to their website XXXX When I called the company XXXX I was told that they needed to send me a new physical card. 

I explained I was concerned about giving my personal information as the purchase of these cards is to remain anonymous. They have the {$50.00} but can only give me a new card and not unfreeze the funds that they had originally frozen. 

It is essentially blackmail that they have your funds and you can't get it until they have your full name and address. This was their only resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
On the previous CFPB Complaint, Resurgent Capital Services XXXX FALSELY stated " Resurgent and the Current Owner comply with all applicable regulatory and licensing requirements in each state where they operate. Specific information regarding licensing can be found on the appropriate regulators website. '' A simple search on the XXXX of the XXXX 's website will show the exact opposite. XXXX XXXX, XXXX was INVOLUNTARALY DISSOLVED BY COURT ORDER by the Secretary of the XXXX of Massachusetts, XXXX XXXX XXXX, on XX/XX/XXXX ; they are legally unable to conduct any business in the XXXX of Massachusetts. XXXX XXXX, XXXX, Resurgent Capital Services XXXX and XXXX Funding, XXXX are all attempting to collect an alleged debt for XXXX XXXX Bank, XXXX. at the same exact time. Resurgent is attempting to circumvent the CFPB 's response time limit along with the 30 Day Demand Letter 's timely manner to respond ; the 30 Day Demand Letter was submitted via the CFPB on XXXX XX/XX/XXXX and the final date to correct their improper and deceptive practices will remain as XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: Schreiber Law LLC
State: MA

Complaint narrative:
On the previous CFPB Complaint, XXXX XXXX XXXX XXXX FALSELY stated " Resurgent and the Current Owner comply with all applicable regulatory and licensing requirements in each state where they operate. Specific information regarding licensing can be found on the appropriate regulators website. '' A simple search on the XXXX of the XXXX 's website will show the exact opposite. Schreiber Law , LLC was INVOLUNTARALY DISSOLVED BY COURT ORDER by the Secretary of the XXXX of Massachusetts, XXXX XXXX XXXX, on XX/XX/XXXX ; they are legally unable to conduct any business in the XXXX of XXXX Schreiber Law , LLC, XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX are all attempting to collect an alleged debt for XXXX XXXX Bank, XXXX. at the same exact time. Resurgent is attempting to circumvent the CFPB 's response time limit along with the 30 Day Demand Letter 's timely manner to respond ; the 30 Day Demand Letter was submitted via the CFPB on XXXX XX/XX/XXXX and the final date to correct their improper and deceptive practices will remain as XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and an unauthorized inquiry appearing on my credit report. As a victim of a data breach, I did not authorize these accounts or the listed inquiry. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request their immediate removal. 
XXXX Accounts to Be Blocked and Deleted XXXX. XXXX XXXXXXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXXXXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiry to Be Blocked and Deleted XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently Checking My Credit Report I Noticed That I've Been a Victim Of Identity Theft and XXXX XXXX XXXX XXXX I Have No Knowledge Of Here Are The Inquiries That I've Found : XXXX XXXX XXXX XXXX XX/XX/year> Please RemoveThese Fraudulent Inquiries From My Credit Report. I Also Attached My Identity Theft Report As Well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from this account. XXXX and remove it.

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 2024-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
Subject : Ongoing Issues with First Citizens Bank and Misrepresentation of Account Situation To Whom It May Concern, I am writing to express my frustration with the ongoing and mishandled situation regarding the illegal withholding of my funds by First Citizens Bank. The account in question was closed by an employee was seeking personal retribution after I reported inappropriate behavior by a staff member who changed my address on the account.

First Citizens Bank records indicate that my account was closed on XX/XX/XXXX, while a refund from XXXX was sent to the bank on XX/XX/XXXX. However, I was never notified of the refund. It was not until XXXXmore than XXXX  months laterthat the bank admitted to having the funds. The only reason they acknowledged it was due to my persistent filing of complaints with the FDIC, NCDOJ, CFPB, NCCOB, and other agencies. At one point, I even received a letter from a First Citizens employee that outright denied any refund had occurred. 

Instead of notifying me when the funds were as they say " located '', First Citizens Bank covertly issued a check while I was out of town for a week. Upon my return, they ignored my reasonable accommodation request to avoid sending the check via signature-required mail, as my apartment requires a fob for access. This lack of consideration and professionalism is unacceptable. 

This situation clearly warranted escalation to leadership, as no one had properly handled the matter. Despite my request to speak with a live person, no one reached out to me. Eventually, I was contacted by someone identifying himself as XXXX XXXX, claiming to represent First Citizens Bank. His law firm is based in XXXX, AL, yet First Citizens Bank is located in XXXX, NC. I received his email on XX/XX/XXXX, and on XX/XX/XXXX, I informed XXXX XXXX that I had a letter outlining my concerns and resolutions, but I needed confirmation that he was legitimately representing the bank. 

I am rightfully owed interest due to the banks illegal withholding of my funds for over XXXX  months, followed by their denial of receiving the funds. Earlier communications from First Citizens staff were unprofessional and misrepresented the facts, and while XXXX XXXX and XXXX XXXX 's messages were more professional, they still failed to tell the truth. 

This matter is far from resolved, and I now request the contact information for the legal department and the name of the individual currently handling this longstanding issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
chapter XXXX Bankruptcy XX/XX/XXXX XXXX XXXX Bankruptcy XX/XX/XXXX XXXX XXXX Bankruptcy XX/XX/XXXX I have multiple bankruptcy that has been added to my credit report that are not mine. I have sent a letter to the court asking why these bankruptcies under my name and was informed they did not provide this information to you all. I believe this is for another person and I am requesting that you al remove this information immediately.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
chapter XXXX Bankruptcy XX/XX/XXXX XXXX XXXX Bankruptcy XX/XX/XXXX XXXX XXXX Bankruptcy XX/XX/XXXX I have multiple bankruptcy that has been added to my credit report that are not mine. I have sent a letter to the court asking why these bankruptcies under my name and was informed they did not provide this information to you all. I believe this is for another person and I am requesting that you al remove this information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: OH

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and unauthorized inquiries appearing on my credit report. As a victim of a data breach, I did not authorize these accounts or inquiries. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request their immediate removal. 
XXXX Accounts to Be Blocked and Deleted 1. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$12000.00} 2. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} 3. XXXX XXXX o  Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$4500.00} 4. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$6000.00} Unauthorized Inquiries to Be Blocked and Deleted 1. XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) 2. XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) 3. XXXX XXXX ( Inquiry Date : XX/XX/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 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
NOTICE TO DELETE FROM CONSUMER REPORTING AGENCIES NOTICE TO CEASE AND DESIST INTENT TO SUE AND WILL SUE LOVE SUING PLAINTIFF : XXXX XXXX XXXX XX/XX/year> DEFENDANT : MIDLAND CREDIT MGMT DUNS # XXXX BOND SUITCASE XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX RE : ALLEGED ORIGINAL CREDITORS : XXXX XXXX XXXX XXXX  ALLEGED ORIGINAL CREDITOR ACCOUNTS NUMBER : XXXX, XXXX ALLEGED DEBT AMOUNTS OR BALANCE {$580.00}, {$1200.00} CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX DEAR : MIDLAND CREDIT MANAGEMENT I NEVER GAVE CONSENT TO USE THIS XXXX XXXX XXXX XXXX XXXX XXXX ] STOP VIOLATING THE FDCPA USC 1692D EXHIBIT A1 : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. 
ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE DELETE THIS ALLEDGED ACCOUNT FROM MY CONSUMER REPORTS IMMEDIATELY. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY SIGNATURE EXHIBITA2 : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED MY CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT A1 AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY. Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX Beneficiary of acct # XXXX XXXX XXXX not the trustee XXXX WITHOUT PREJUDICE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  DC XXXX Federal Trade Commission XXXX XXXX XXXX XXXXXXXX XXXX XXXX DC XXXX Subject : Complaint Against Equifax for Violating Fair Credit Reporting Practices Dear Sir/Madam, I am writing to formally file a complaint against Equifax regarding their failure to accurately report my credit information, which I believe violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681 relating to the accuracy and fairness of credit reporting. 

Despite my consistent and timely payments on my XXXXXXXX XXXX XXXX I have noticed that these payments and my corresponding credit score have not been reflected accurately on Equifax 's credit report. This lack of accurate reporting has adversely affected my credit standing and overall financial well-being. 

Enclosed are screenshots and documentation that support my claim, clearly showing the discrepancies in my credit report. It is crucial for consumer reporting agencies to fulfill their responsibilities with fairness and respect for consumers, as emphasized in the findings of Congress. 

I kindly request that your offices investigate this matter and take appropriate action to ensure Equifax rectifies these errors and upholds the standards of fair credit reporting. 

Thank you for your attention to this serious issue. I look forward to your prompt response. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/year> Amsher Collection Service XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Subject : Follow-up on Request for Validation of Debt ( Account Number : XXXX ) Dear Amsher Collection Service, I hope this letter finds you well. I am writing to follow up on my previous correspondence dated XX/XX/year>, Complaint XXXX in which I formally requested validation of the debt associated with account number XXXX. 

As of today, I have not received the requested documentation or any communication regarding my request. Under the Fair Debt Collection Practices Act ( FDCPA ), you are required to provide validation of the debt within XXXX XXXX of my initial request. It has now been XXXX XXXX since my initial letter, and I am concerned about the lackadaisical response. 

To reiterate, I requested the following information : 1. Verification of the debt, including a detailed statement outlining the total amount owed. 

2. Original creditor information, including the name and address of XXXX

3. A complete payment history for the account.

4. Any legal documentation that authorizes your agency to collect this debt.

5. Proof of ownership of the debt, including a copy of the original agreement with T-Mobile. I understand that processing these requests may take time ; however, I believe that clear communication is essential in resolving this matter. 

I kindly ask that you provide a status update regarding my request and an estimated timeline for when I can expect to receive the necessary documentation. 

Please remember that until this matter is resolved and I receive the requested verification, I will not be making any payments related to this account. 

Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, 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 explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was contacted regarding a debt from 2001. I was sent a letter by XXXX and XXXX out of California. I did an XXXX search and no results found. I believe it is fraud. They threatened a lien.

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 2024-11-27 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: IN

Complaint narrative:
1. CRA Failed to follow reasonable procedures for ensuring accuracy of the consumer 's information. 15 USC 1681 e ( b ) 2. CRA Failed to properly investigate or reinvestigate a consumer 's dispute 15 USC 1681i ( a ) ( 1 ) ( A ), and 15 USC 1681S-2 ( b ) 3. CRA Issued or obtained a consumer report for an impermissible purpose 15 USC 1681 b, invasion of privacy. See 15 USC 1681 A [ 4 ], right to privacy, 15 USC 1692 right to individual privacy protected by the Privacy Act of 1974.

4. CRA Failed to acknowledge15 USC 1666 B failing to disclose requested documentation 5. CRA Failed to acknowledge the Exclusion section of 15 USC 1681 a 2 which states that transactions and experiences shall not be reported which are late-payments and hard inquires 6. Under the Fair Credit Reporting Act and according to 15 USC 1681 C 2 ( N ), the CRAs should have blocked this information from my credit report within four days. Please see Attached " Description of Incident ''

Company response to consumer: Closed with explanation