vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
Velocity Investments has been coming after me for years about a debt for XXXX XXXX XXXX, I do not know who this person is and have told this company multiple times that this debt is not mine. Velocity has not helped me in any way to resolve this issue nor have they furninshed any type of paperwork that shows I am responsible for this debt. My name is XXXX XXXX XXXX, velocity amends their paperwork to show this debt under my legal name instead of seeking out the XXXX XXXX XXXX that owes this debt.

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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
My Experian and XXXX XXXX  credit report is incorrect and due to this they have taken XXXX points off my credit score when it should have increased as satisfied XXXX on report.I have forwarded emails from the company XXXX XXXX to show my account was not defaulted and no late payment markers and I do not owe anything as paid till end of XXXX when I would be moving if credit score was correct .I have also forwarded XXXX satisfaction letters

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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I received my credit report on XXXX XXXX, 2023 and notice there were hard inquiries that don't have permissible purpose to be on there. these hare inquiries are hurting me for getting approved. i already reached out to the credit bureaus about this multiple times they keep violation my rights under 15 USC 1681b. I also have attached the hard inquiries that don't have no purpose to be on my credit report.

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 2023-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
Crypto.com Visa card has freezed my card 4 months ago after disputing unauthorized transactions and they refused to resolve my complaint or give me access to my funds and utilizing my account funds as a weapon against me {$4000.00} USD

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, 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:
Please do not mark as a duplicate. This complaint is intended directly to XXXX. Your actions has caused me and my family mental anguish and your actions has stolen my identity, violated my consumer rights by rights to privacy and the obligation you have to maintain the security and confidentiality of my private information. Your actions are equivalent to AGGRAVATED IDENTITY THEFT. You have failed to comply and knowingly furnished these inquiries without my consent, nor permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/2023, I notified Pentagon Federal Credit Union that for at least two months, unauthorized debits made by XXXX XXXX, XXXX XXXX had been made on my Pencheck plus account ( XXXX ) for at least two months, totaling for those two months at least {$280.00}. This account had been dormant for at least five years, probably longer. At that time, I requested the savings and checking accounts I had with PFCU be closed and all funds returned to me, with the unauthorized debits also returned to me. 
On XX/XX/2023, as no communication from PFCU was forthcoming, I again called. This time I spoke to " XXXX, '' going through the whole complaint again, making sure he saw the two months of unauthorized debits. In the first week of XXXX, having still heard nothing from PFCU, I called again, this time speaking to " XXXX. '' He assured me that two separate checks would be arriving soon, one for the checking account and one for the savings account. In the second week of XXXX, I received a check for {$1200.00}. At about the same time, I received a letter from PFCU listing five of eight unauthorized debits, and three debits that were authorized to a different company. On XX/XX/2023, I again called PFCU to report the missing and incorrect debits, speaking to XXXX. I asked about the second check and an accounting of what had taken place. She assured me that two checks had been mailed on XX/XX/2023. As of this date, no second check has arrived and I have not received an adequate account of what PFCU has done, with no explanation of how XXXX XXXX XXXX got my private information.

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 2023-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My account was closed for Fraud that wasnt being committed by me. In XXXX I spoke to a supposed BOFA Fraud unit I was asked to pay a balance of {$1600.00} dollars of monies I didnt then or believe now I owe. At the time I was desperate to open an account even after having such a bad experience with bank employees denying me access to an account of mine that had a balance. Employee out of Nowhere said to me I needed a lawyer. Fast forward that account was purged no more than a couple months after it was closed by BOFA which seems really unusual or odd for the account to be purged without out me be informed. Now Im told I have a restriction until XXXX with no clear explanation by BOFA documents etc. my right to know about anything with my identity attached to it is Violated when information is being withheld and im given misleading information to keep me from knowing including from contacting the proper authorities to report this. I have in my pictures photos of screenshots of accounts but with a twist because those are the pictures except the Internet address was swapped from STATIC ETC. to Secure my connection was never secure, that was my biggest concern that I took to a branch in XXXX Oregan were the branch manager of the BOFA went through account and he himself made claims he said were fraudulent monies that were deposited to 1 of the 4-6 accounts that started existing with my original 2 accounts I opened in XXXX BOFA. Those claims were deposited to account on XX/XX/XXXX, I never got access to and disappeared. BOFA gave me statements with no record of any kind on any account. When comparing my XXXX statements, XXXX Oregan XXXX, online Statements, and XXXX XXXX Branch DTLA statements they were not 1 bit similar Like from a totally different computer program print or windows built

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 2023-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Credit Management have attempted to collect on a debt without validating it pursuant to federal law. They have also not responded to my cease and desist notice received XX/XX/2023 ( see attached exhibits ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
My Experian and XXXX XXXX credit report is incorrect and due to this they have taken XXXX points off my credit score when it should have increased as satisfied ccj on report.I have forwarded emails from the company XXXX XXXX to show my account was not defaulted and no late payment markers and I do not owe anything as paid till end of XXXX when I would be moving if credit score was correct .I have also forwarded ccj satisfaction letters

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 2023-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I reviewed my Consumer Report and noticed that I have two late payments that I was never late on. After I received my consumer repot Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : SYNCB/XXXX, account number : XXXX Please investigate and provide proof with statements showing that these payments were late. If can't be provided I demand these payments be updated to on time as they should be as I was never late. Thanks,

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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX XXXXXXXX  I deposited a Cashier 's check in the amount of {$3000.00} I was told that it would be available the following day being that it was a next day item. I then saw that a hold was place on the deposited cashier 's check until the XXXX of XXXX. I went into my local branch to speak with a manager in regards to this matter ; which he stated he could not remove the hold. I was then giving a number to the back office and fraud department to get this escalated for the hold to be removed. I was told this would take 24-48 hours to get a approval. While on the phone speaking with an associate I asked to speak with a manager or Supervisor. I was questioned to why I wanted and needed to speak with a manager and or supervisor. I then explained that I have been in banking for 4 years and I currently am a XXXXXXXX XXXX XXXX at another financial institution. I then began to explain and question the Reg CC guidelines for next day items ( cashier check ) if a hold were to be place on said item how and when it should have been released. I have been banking with Bank of America since XXXX  and due to the level and lack of customer service I was provided and the nature of which I needed said funds available is the reason I filing this complaint.

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 2023-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: UPGRADE, INC.
State: CA

Complaint narrative:
Upgrade Credit Card- Had a Credit limit of {$3000.00} and never missed a payment or never been late with a payment. After my last payment on XXXX XX/XX/XXXX  for {$170.00}. My available credit never posted, and when I contacted them today XXXX XX/XX/, and asked, when will the available credit post, they informed me that after review of my combined credit, that my Line of Credit was reduced to {$2800.00}. So they kept my {$170.00} payment and left me with an available credit of {$.00} cents. They said the money was used for principal and interest. I have automatic payment setup, to be taken out every month. This is unacceptable, a total Scam, they should not be allowed to steal someones payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
the beginning of the month i sent letters to all buraus in regards to fraud accounts and inquiries reporting and still the issue has not been resolved. per 15 usc 1681b. I DID NOT AUTHORIZE ANYONE TO FURNISH ANY OF THESE LET ALONE FRAUD INFORMATION AT THAT. I WILL HAVE TO TAKE LEGAL ACTION IF THIS ISSUE IS NOT RESOLVED SOON.

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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Recovery Services, Inc.
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc.
State: NC

Complaint narrative:
I received 28 phone calls from SST ( Systems and Services Technologies , Inc ) fromXXXX XXXX 2023 until now. From Monday XX/XX/ 2023 until today Saturday XX/XX/2023 I received 21 Phone calls. I have screen shots of the call log as evidence in my phone. I have answered and there is no one on their end that answers. The last time they did this as an attempt to collect ( which I have paid ) the employee was very professional and told me that they will stop attempting to call me. Well that was a blatant lie. I am usually on time with my payments however have fallen on some rough times which was explained previously. SST Maliciously calls and harasses those indebted to the company. I finally called back and told them to quit calling, I was filing a complaint with CFPB and that any further contact via phone I would file a lawsuit for harassment. They continue to call and block up my phone which I use to run my business. 

Call Logs : Monday XXXX XX/XX/ 2023 XXXX XXXX XXXX XXXX ( answered, no one on their end ) Tuesday XXXX XXXX 2023 XXXX XXXX XXXX XXXX XXXX Wednesday XXXX XX/XX/ 2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thursday XXXX XXXX 2023 XXXX XXXX XXXX XXXX XXXXXXXX Friday XXXX XX/XX/2023 XXXX XXXX ( declined call ) XXXX XXXX XXXX XXXX XXXX XXXX  ( declined call ) Saturday XXXXXXXX XXXX  XXXX ( answered, no one on their end )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Atlanticus Services Corporation
State: MO

Complaint narrative:
They charged deferred interest 2 days before grace period was up. I went to pay my balance and they added the deferred interest two days before grace period. The do it with late fees as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please do not mark as a duplicate. This complaint is intended directly to XXXX. Your actions has caused me and my family mental anguish and your actions has stolen my identity, violated my consumer rights by rights to privacy and the obligation you have to maintain the security and confidentiality of my private information. Your actions are equivalent to AGGRAVATED IDENTITY THEFT. You have failed to comply and knowingly furnished these inquiries without my consent, nor permissible purpose.

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 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please do not mark as a duplicate. This complaint is intended directly to Experian. Your actions has caused me and my family mental anguish and your actions has stolen my identity, violated my consumer rights by rights to privacy and the obligation you have to maintain the security and confidentiality of my private information. Your actions are equivalent to AGGRAVATED IDENTITY THEFT. You have failed to comply and knowingly furnished these inquiries without my consent, nor permissible purpose.

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