vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
so i had placed two fraud claims on two transactions on my account involving a XXXX  transaction. my XXXX account was compromised/hacked and {$990.00} total was drawn from my bank account to my XXXX balance in two transactions and sent to a different XXXXXXXX XXXX my claim was denied and i asked why the reason was because the name that the money was sent to was used previously before but i previously called the institution to ask them to place a note on the claim to say my account was compromised and thats how these transactions occurred so the specialist knows what happened. But in the end it was still denied so I made multiple reports with CFPB to address another situation that involves these transactions. i had to go into a bank with two forms of id to verify to call the dispute department and find out what my claim was because theyve blocked off my access to mobile banking and the system from sending me codes to verify me. i previously asked if my account can not be closed or if i could be able to open a new account after this one closes because it closed due to a check that bounced and they said no. but to focus on the main point The bank has denied my claim because they said my XXXXXXXX XXXX was used within the transaction which is unprofessional because there was a note on the claim to show that it was my account that compromised so of course my XXXX XXXX would be used.

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 2024-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Mullooly Jeffrey Rooney & Flynn
State: NY

Complaint narrative:
I regret I have yet another instance of violation of the FDCPA from the firm I have come to refer to as MJRF.

Any resemblance to past violations and complaints of violations is due to the fact that MJRF have not stopped violating the FDCPA, despite being warned multiple times that they are doing so.

I received the attached envelope a few days ago.

You'll notice it's distinctly different from any other envelope I've included.

So this is another violation.

Under the FDCPA, 15 USC Section 1692f it is forbidden for debt collectors to put on envelopes any language or symbol, other than the debt collectors address.. This was affirmed in the case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The firm MJRF continues to violate this portion of the FDCPA.

The ridiculous thing is someone wrote the return address in there. I view this as a real " XXXX XXXX '' from MJRF that they couldn't just write their address on the return address, and omit their firms name, as I have repeatedly asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate

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 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate

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 2024-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc.
State: MA

Complaint narrative:
To FIRST CREDIT SERVICES/ Whom It May Concern : I am writing to formally dispute the alleged debt of {$220.00} reported by First Credit Services on my credit report. I believe this debt to be fraudulent, as I have never had any relationship with your company or the original creditor. Furthermore, I suspect that my identity may have been stolen, leading to this erroneous entry on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation and verification of this debt. To resolve this matter promptly, I demand that you provide the following documentation : Proof of Authorization : Evidence demonstrating your authorization under 15 U.S.C. 1692 ( e ) and 15 U.S.C. 1692 ( f ) to handle and collect this debt.

Legal Basis for Collection : A detailed explanation of the legal grounds upon which this debt is being collected.

State Authorization : Proof that your organization is authorized to operate and collect debts in my state of residence.

Evidence of the Alleged Debt : A complete and accurate copy of any contract or agreement, including my signature, that would obligate me to this debt. 
Full Account History : A comprehensive account history, including any charges, fees, and all collection-related activities. 
In accordance with 15 U.S.C. 1692g ( b ), I demand the immediate cessation of all communication and collection activities until the alleged debt has been validated as required by law. Additionally, under 15 U.S.C. 604 ( a ) ( 2 ), I remind you that no information regarding this debt should be reported to any credit bureaus without my explicit written consent. 

Your actions in reporting this alleged debt to the credit bureaus and attempting to collect it violate several key provisions of the FDCPA, including : 1692d : Prohibiting harassment or abuse in the collection of debts.

1692e : Prohibiting false, deceptive, or misleading representations. 
1692g ( b ) : Requiring the proper disclosure of my rights and validation of the debt.

1692f : Prohibiting the use of unfair or unconscionable means to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: NY

Complaint narrative:
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 2024-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-08-24 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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Attached : Snap Shot of JCPENNYS bill. 

I received a bill date XX/XX/2024 to XX/XX/2024 from JcPenney that shows the wrong balance after the problem was resolved through CFPB. It shows purchase of + {$240.00} and a new balance of {$120.00}. I never made a purchase of {$240.00}. I had only my first and XXXX purchase ever and disputed past balance of {$110.00} receipt number XXXX. 

The complaint was access to a secure phone, internet page that did not show a suspicion of fraud, scam from JCPENNYS on caller ID. I could not pay the bill until CFPB asked them to confirm through CFPB because the website was also distorted. I could walk in to a local store and pay the bill after letter on CFPB website from JCPENNEY.

Please view receipt sent to other complaints Re : JC Penney sent to CFPB with complaint form and a payment of {$70.00}. My reaming new balance should show {$45.00} without late fees and interest because of JCPENNYS and XXXX being the suspicion of fraud. 

Sincerely, 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 2024-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mullooly Jeffrey Rooney & Flynn
State: NY

Complaint narrative:
I'd like to report another infraction by the slimeballs at Mullooly Jeffrey Rooney & Flynn XXXX ( MJRF ). 

They sent the attached to me and told me that they are rejecting service from me as " improper '' I do not understand the use of the word. I did try to look it up. The definition I find of improper in XXXX is unhelpful as I'd argue MJRF does not have good manners, my mail was suited to the circumstances, and I do have the right to depose folks as part of fact finding in my law suit. 

: not proper : such as a : not in accord with propriety, modesty, good manners, or good taste improper language b : not suited to the circumstances, design, or end improper medicine c : not regularly or normally formed or not properly so called d : not in accord with fact, truth, or right procedure : incorrect improper inference

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: MI

Complaint narrative:
( IDENTITY THEFT REPORT ATTACHED ) The FCRA was created to protect the privacy of consumers confidential information and to ensure CRAs do what's fair and equitable for the consumer in which Experian has failed to do as they are reporting a FRAUDULENT XXXX ACCOUNT ON MY CREDIT REPORT. Experian has allowed XXXX to Intrude upon my private information. 
BLOCK THE FRAUDULENT ACCOUNT AS REQUIRED BY LAW ( FCRA ) TO PREVENT ME FROM OCCURRING FURTHER DAMAGES.

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 2024-08-24 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: EQUIFAX, INC.
State: CA

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.

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I have made previous efforts to get this issue resolved with no success. As my last attempt to resolve this matter directly with the company, I hope you can help. On XX/XX/year>, I was coerced by car salesman, XXXX XXXX, using high pressure sales tactics to sign documents regarding a vehicle for a friend to help with her approval odds. I was not made aware that I would be cosigning for joint ownership. I was never given full disclosure behind this auto loan agreement, and it has ruined my credibility that I have worked hard for. 
There are various statements and remarks on my consumer credit report from AMERICAN CREDIT ACCEPTANCE XXXX that reads either CLOSED, PROFIT AND LOSS WRITE OFF, and even OPEN STATUS. There are also different balances listed such as {$18000.00} and {$20000.00}. None of the information reported on my credit reports are completely accurate. Due to the charge-off of said vehicle, you have expressed a non-security interest in the vehicle. I am asking for a CO-SIGNER RELEASE OPTION and PERMANENT DELETION of this item from my consumer credit report. I look forward to your cooperation in resolving this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried multiple times to contact TransUnion credit bureau over at least a two week period.Itried to log in innumerable times and get into a loop asking me to log in again. Next I ask for log in help they say will help in 106 minutes but who can hold for 106 minutes. One time said 26 minutes and I held that long only to get disconnected. I have been told they will help me multiple times on line but they just disappear or say they cant find me despite my logging in XXXX XXXX  of times. In contrast other 2 credit bureaus provided easy streamlined online process for initiating credit freeze. This company needs to cease being a credit bureau or fix there systems. Not sure if credit is sufficiently frozen if only two bureaus have complied. They said I could mail in credit freeze info but Im not comfortable just sending my SS # to this incompetent company. 
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 non-monetary relief
Consumer complaint received 2024-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NY

Complaint narrative:
Back in XX/XX/year>, my account was closed without me knowing and I have been waiting for my closure check or remaining balance on my Chime account. I've been calling every since and emailing Chime about it. Chime has yet to mail me my check. Please help! 

Whenever I call I am placed on hold for almost an hour and then Chime hangs up. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

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 2024-08-24 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:
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 2024-08-24 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: NJ

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 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: NJ

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief