vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
It has come to my attention upon review of my consumer reports that the accounts that I have disputed with this agency are inaccurate and incomplete. The accounts violate 15 USC 1681e ( b ) because the accounts still remain inaccurate, and the Fair Credit Reporting Act urges consumer reporting agencies to ensure that the information they are receiving from creditors is accurate.

EXPERIAN has failed to uphold their obligations to ensure maximum possible accuracy to whom the report relates. This agency allowed inaccurate information to stay on my consumer report which civil liability per 15 USC 1681n can be enforced for this matter.

Pursuant to 15 USC 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2024-05-18 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Synchrony bank closed an account ( XXXX XXXX XXXX XXXX ) with someone's personal slanderous, maligning opinion. " Activity in account ( XXXX ) with synchrony bank indicative of high risk of " failure to pay. '' Account they are referring to has never had a late payment ever and I did NOT enroll this account as I felt justified in paying entire amount. Second I am in a XXXX XXXX XXXX XXXX, in which I have already settled 75 % accounts with these bloodsuckers including their " inflation '' charges. They put another negative statement on my credit where it would have shown I paid it all off and closed in good standing. If I were at high risk of failure to pay, why are they getting paid above principal on amounts they have jacked up another 30 % bs fees on? This company is NOT willing to work with consumers. Until you bring in a third party, they are worthless. This company is an ambulance chaser buying up all credit card companies, putting the working person in financial bankruptcy. I could have filed, or just not paid a dime and let them write them all off. Really motivates me to NOT want to pay these vampires another dime on any remaining 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 2024-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
My name is XXXX XXXX this is in regards to an account originally with XXXX that portfolio recovery owns at first woman on the phone threatened about a lawyer, looking at it not exactly acting as a lawyer, but mentioning XXXX as a threat so I reached out to higher management simply asked for validation /Closing disclosure that the woman on the phone said it was too late for and we were past that today I receive An envelope which seems to be my account statements and validation letters number XXXX on the bill of sale. It has sale amount and principal and fees the add up to XXXX on a sale file I have XXXX numbers that only add up to XXXX and some change thats first of all the biggest deal I see is the goodbye letter or the disclosure that I asked for because I said XXXX never sent me one has the wrong address on it meaning I lived at another address in 2022. Theyre claiming that they sent me an original letter, they clearly wrote themselves and made the mistake of putting my new address here in 2022 so they doctored up is total fraud and it all came in the same package actually even some of the old statements have my new address on it, which just means they also made those arent the original statements? Its complete fraud. I wanted to let other people know before this happens to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: MD

Complaint narrative:
I received a notice from my bank Juno on XX/XX/XXXX that they had frozen XXXX incoming funds with no reason stated. On XX/XX/XXXX they sent a statement that they had frozen everyone 's ACH as well as the ability to use the debit card or make withdrawals. Juno has blamed XXXX XXXX  and XXXX ( FDIC bank ) saying they froze the access to my account with Juno. 

I had my paycheck and incoming credit card payments coming in XX/XX/XXXX and they are not coming in. There is nothing in my account. Of course I changed my account with payroll and vendors, but I have almost {$3000.00} that is vanished. This is insane. There's no access to the funds. How can this be? It's not only affecting me but millions of account holders. You need to take immediate steps to light a fire and get this resolved.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
This dispute relates to XXXX Serve Prepaid accounts held by me and XXXX accounts held by my wife. On XX/XX/2024 I was unable to load funds to these cards and an email was sent to me and my XXXX that the cards were temporarily locked. We were also unable to log into those accounts. I called Serve on XX/XX/2024 and was told these accounts were permanently closed due to a returned charge ( I believe from a XXXX load of funds ). Serve customer service refused to provide any details -- such as the nature of the returned charge or the balances in the accounts. I was informed that the only way I could contact them to receive any information was by mail. I sent a letter on XX/XX/2024 requesting final statements on these accounts as well as funds from each account, which should be {$1000.00} per account. As of this date, XX/XX/2024, I have received no communications. Accordingly, I again called the Serve customer care number and was told to resubmit a request for this information by mail. I was refused, on multiple occasions, any direct telephone number to contact the company directly about the funds being held. I note as well that Serve 's refusal to provide me with access to my account records has prevented me from seeking a chargeback or other resolution ( such as complaint with the Texas Department XXXX Banking ) from XXXX who created the falsely disputed charges in the first place. 



At a bare minimum, I want the funds held in my accounts to be returned to me as quickly as possible. I also reject Serve 's contention I am in violation of their account agreement and would ask that CFPB direct the firm to reopen the accounts in question.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We purchase a company 2 years ago acquiring the XXXX number with the business. After purchasing the business, we uncovered fraud by the sellers and sued them. They countersued. We are currently in the early stages of litigation. Before and after the purchase the company is banked at Wells Fargo. Today, XX/XX/year> we received the attached letter from Wells Fargo that the opposing counsel had requested records and there were released as of XX/XX/year>. Our attorney was never notified by the opposing counsel of any subpoenas and there are no court records of them requesting or being granted such records. The request was made on XX/XX/year>. Wells Fargo mailed this notice to us on XX/XX/year> and we received the letter on XX/XX/year>, one day after Wells Fargo released ALL our banking information without our knowledge or permission.

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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance {$1500.00} XXXX XXXXXXXX XXXX Balance XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2024-05-18 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: AR

Complaint narrative:
I am writing to express my deep frustration and disappointment regarding the ongoing presence of fraudulent items on my credit file. Despite my previous attempts to resolve this matter, these fraudulent items have not been removed, and my disputes have been consistently ignored. The continued presence of these fraudulent entries on my credit report is causing severe distress and has significantly impacted my financial standing. This situation is unacceptable and must be addressed immediately. 

As required by the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate and respond to disputes regarding the accuracy of information on credit reports. Your persistent failure to address these issues constitutes a blatant violation of my rights under the FCRA. I demand that you immediately escalate this matter and take all necessary steps to thoroughly investigate and remove the fraudulent items from my credit file without further delay. I also expect transparent communication regarding the progress made and the specific actions being taken to resolve these issues. Please help me remove these fraud items immediately : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX - XXXXXXXX XXXX XXXXXXXX Balance {$360.00} XXXX XXXX  - XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX, XXXX XXXX XXXX : {$48.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I contacted them and they told me that they didn't have any information but I still have a collection reporting negative

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: TX

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance XXXX : {$0.00} XXXX  XXXX Balance Owed : {$2500.00XXXX XXXX XXXX Balance Owed : {$1400.00} XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$0.00}

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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: AR

Complaint narrative:
I am writing to express my deep frustration and disappointment regarding the ongoing presence of fraudulent items on my credit file. Despite my previous attempts to resolve this matter, these fraudulent items have not been removed, and my disputes have been consistently ignored. The continued presence of these fraudulent entries on my credit report is causing severe distress and has significantly impacted my financial standing. This situation is unacceptable and must be addressed immediately. 

As required by the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate and respond to disputes regarding the accuracy of information on credit reports. Your persistent failure to address these issues constitutes a blatant violation of my rights under the FCRA. I demand that you immediately escalate this matter and take all necessary steps to thoroughly investigate and remove the fraudulent items from my credit file without further delay. I also expect transparent communication regarding the progress made and the specific actions being taken to resolve these issues. Please help me remove these fraud items immediately : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX - XXXX BANK XXXX Balance {$360.00} XXXX XXXX XXXX XXXX XXXX  Balance {$3400.00} XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX, XXXX XXXX XXXX : {$48.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$740.00} XXXX XXXXXXXX XXXX Balance : {$780.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX  XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$740.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX A ) XXXX Balance : {$1800.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
This dispute relates to two XXXX XXXX accounts held by me and two accounts held by my husband. On XX/XX/year> I was unable to load funds to these cards and an email was sent to me and my wife that the cards were temporarily locked. We were also unable to log into those accounts. I called XXXX  on XX/XX/year> and was told these accounts were permanently closed due to a returned charge ( I believe from a XXXX load of funds ). XXXX  customer service refused to provide any details -- such as the nature of the returned charge or the balances in the accounts. I was informed that the only way I could contact them to receive any information was by mail. I sent a letter on XX/XX/year> requesting final statements on these accounts as well as funds from each account, which should be {$1000.00} per account. As of this date, XX/XX/year>, I have received no communications. Accordingly, I again called the XXXX  customer care number and was told to resubmit a request for this information by mail. I was refused, on multiple occasions, any direct telephone number to contact the company directly about the funds being held. I note as well that XXXX XXXX refusal to provide me with access to my account records has prevented me from seeking a chargeback or other resolution ( such as complaint with the Texas Department of Banking ) from XXXX who created the falsely disputed charges in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
To whom it may concern, On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts XXXX in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of XXXX accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief