vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MI

Complaint narrative:
On or about XXXX of 2024, I requested for the company IC Systems to afford me validation of the debt, the owed amount and all related information. The account information I inquired about was pertaining to : ( XXXX XXXX XXXX, with the said amount of {$440.00}. I never received a response in return. I am requesting validation, made pursuant to the Fair Dept Collection Practices Act. Please note that I am requesting validation, that is competent evidence bearing my signature showing I have ( or once had ) some contractual obligations to pay you. Please also be aware that any negative marks found on my credit reports ( XXXX, XXXX and XXXX XXXX ) from your company or a company you represent is a violation of FDCPA., 807 ( 15 USC 1962e ) therefore is you can not validate the debt, you must request that all credit reporting agencies delete the entry.

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
A letter was sent on XXXX XXXX to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX in order to notify XXXX XXXX that I formally exercise my rights under the Family Educational Rights and Privacy Act ( FERPA ) of 1974, the Privacy Act of 1974, 12 CFR 1016 ( Regulation P ), and 15 U.S.C. 1681 ( Fair Credit Reporting Act ) to opt out of the disclosure and furnishing of my nonpublic personal and educational information, including my transaction history, to nonaffiliated third parties. 

On XX/XX/XXXX I sent letters to the inform Experian XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX. All of whom are responsible for signing off on the SEC XXXX form of each of there respective companies and have signed under oath to uphold the integrity of the Securities Exchange act of 1934 have been notified in regards to a formal notice of multiple violations of the Fair Credit Reporting Act ( FCRA ), Family Educational Rights and Privacy Act ( FERPA ) of 1974, the Privacy Act of 1974, and other federal regulations regarding the reporting of certain accounts and inquiries on my credit report. I am yet to see any of the updates be made as per requested.

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 2024-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I am requesting that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: DE

Complaint narrative:
I am a victim of identity theft I have tried several times to provide police reports, affidavits, ftc reports, dispute letters, court documents and everything I have been asked to provide. 
Still these accounts remain on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America claim XXXX XXXXXXXX On XX/XX/2024, I sent a WRONG payment to ( XXXX ) XXXX for {$3000.00} under the name of XXXX XXXX XXXX I mistyped the phone number and it was supposed to be for ( XXXX ) XXXX for XXXX XXXX. I dont know XXXX whatsoever, it was a typo mistake that I made. I also had tried to message the person, and she never responded. I never had any association with the person in my life and I dont know that person. Ive attached a screen shot of my message to her right after I realized I made that mistake. Ive attached it with this claim. 

Under Regulation XXXX, authorized under the Electronic Fund Transfer Act ( XXXX ), protects consumers like when they transfer funds electronically. It allows you to dispute an XXXX withdrawal, debit card purchase or electronic funds transfer. 

The rule specifically protects you from an incorrect electronic fund transfer to or from your account. According to the Consumer Financial Protection Bureau ( CFPB ), Regulation XXXX applies to transfers made through XXXX. 

Ive called BOFA immediately after my mistake, the put in a claim, and today I just received a denial letter.

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 2024-09-18 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: PA

Complaint narrative:
TO WHOM IT MAY CONCERN Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : XXXX XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


XXXX XXXX XXXX XXXX outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


XXXX XXXX XXXX $ XXXX a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

XXXX XXXX Code XXXX Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2024-09-18 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-09-18 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: CA

Complaint narrative:
I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, 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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
1 am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-ott. The account in question Is listed as follows : Creditor Name : XXXX  XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should onlv be reported once. corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
1 am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-ott. The account in question Is listed as follows : Creditor Name : XXXX  XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year>2018 It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should onlv be reported once. corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: CO

Complaint narrative:
i had a hard time so i borrowed a personal loan from this company ( MaxLend ). i borrowed {$970.00} in XX/XX/2024 and i agreed with the loan terms but later i realized the annual interest rate they are charging is against the federal and state law. They are charging me APR 703.76 % and i have been paying them every week ( Wednesday ) from XXXX to till now which comes to the amount of {$130.00}. the loan term will end in XXXX till then i have to pay them every week {$130.00}. This seems to be scam and fraud to me. i want a big amount of financial compensation from this company because i have faced mental burden to pay off every week them a huge amount of fees and interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( XXXX XXXX XXXX ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per XXXX XXXX effective immediately and indefinitely. JPMCB - CARD SERVICE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> I made an atm deposit of {$55000.00} on XX/XX/year> my account reflected the funds available. I went into BMO in XXXX XXXX XXXX to purchase a cashiers check and I was told I couldnt because the check had just been processed and needed to clear. So I said the funds are in my account they said yes but we need to wait. I left mad and called the customer service bank number. The rep there told me I had the funds available to me to use as i wanted. She suggested I go into another branch. So I went into the XXXX XXXX BMO. Same run around but more with discrimination as to how does a XXXX have these funds type of attitude. The assistant manager XXXX proceeded to ask why I need the cashier check so I said Im buying a car and she said so why did your dad wrote you a check for {$55000.00} from his estate and not just write you the check to the dealership. I was livid and I called her an XXXX and told her its from an estate account from my deceased father. That check was written to me. She said oh I left mad XXXX  XXXX. Went to eat with my daughter and when I went to pay my card declined not once but several times. Now Im super mad I call the customer service # only to be told the branch froze my account and put it on a credit only base. That I should go in and speak to them. So I go to my home branch on XXXX  and they are confused as to why the assistant manager at the other branch did what she did. So they re directed me to that branch the XXXX  XXXX. I walk in ask to speak to the assistant manager and shes proceeded to tell me she found it very suspicious that I just deposited and now I wanted to withdraw and I was like ok so what was your reason for freezing my account. She said I dont have to tell you anything and I said yes you do. You not only put a hold on the check for {$55000.00} but I cant access my other {$9000.00} I already had. She said and you wont be able to. Ill decide when I relive the feeeze. Its going to be investigated and Ill decide if I remove it or not.

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under XXXX XXXX XXXX section XXXX, this states I have the right to privacy. Under XXXX XXXX XXXX section XXXX A section XXXX, it also states a consumer reporting agency can not furnish account without written instructions. Under XXXX XXXX XXXX, a creditor may not treat a payment on a credit account under an open end consumer credit plan as for any purpose. Under XXXX XXXX XXXX titled Definitions Rules of Construction : paragraph XXXX titled Exclusions and sub paragraph subsection I, states that transactions are not included in the consumer report. Please update all payments to 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 2024-09-18 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: WA

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally notify you that my identity has been stolen, and despite taking the necessary steps to address the issue, no resolution has been reached after more than 30 days. I have taken the following actions to rectify the situation : I have contacted all three major credit bureaus ( XXXX, XXXX, and TransUnion ) to report the identity theft and requested that they take immediate corrective action on my credit report. 
I have filed a formal complaint with the Federal Trade Commission ( FTC ) and created an Identity Theft Report through the FTC 's identity theft process. 
Despite these steps, the fraudulent information remains on my credit reports, and no resolution has been provided. It has now been over 30 days since I initially reported the identity theft, and I am seeking your assistance to expedite the deletion of all fraudulent accounts and information from my credit file. 

Please take immediate action to ensure that my rights as a consumer are protected, and that my credit report reflects accurate information. 

Thank you for your urgent attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief