vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-05 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: CCS Financial Services, Inc.
State: IL

Complaint narrative:
On XX/XX/2022 CCS COLLECTIONS add a derogatory mark on my credit report per XXXX. Upon further research, This account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA CCS COLLECTIONS has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I deposited {$4000.00} cash to my Chase checking account at the ATM which is located at XXXX XXXX XXXX XXXX, XXXX CO XXXX about XXXX on XX/XX/2022. However, there was a malfunction with the ATM, the deposit process did not go through. It required me to call the customer service phone number on the ATMs screen in order to get the credit to my bank account without printing any receipt. I called customer service right after that, and they give me the claim reference number XXXX about the missing deposit. I have been calling Chase customer service back and forth, and they said the deposit will be shown in my bank account maximum is 10 days. I still have not seen any money from the deposit in my checking account. I called Chase customer service again and talked to the claim department manager. She informed me that they closed the claim because the investigation team could not locate the fund in the system. There was a problem which is why the ATM could not print out the receipt for me. I requested to reopen the claim and check on the footage at the ATM at the location and the timeline that has been mentioned above to prove that I was at the ATM depositing cash. They denied my request and told me to get law enforcement involved if I want to check the footage. I went to the XXXX police department in Colorado to ask for help, but they responded back to me that they are not authorized to do it because that was the ATM malfunction, not a crime. The bank was supposed to do it when investing my claim. {$4000.00} cash is not a XXXX, there was no way it can disappear like that. I hope CFPB can help me to get the money back and guide me what is the next step that I need to work on. I am looking forward to your response. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
It is my understanding the auto loan from Santander, qualified for it be removed and discharged due to the class action lawsuit. 

It is my understanding I had a loan during the qualifying time period and met the parameters to have it removed as a victim of unfair credit loan practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This account is a fraudulent account remove immediately, this account is in violation of my consumer rights and defamation of character

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Company # 1. Bank of America : I am very concerned regarding the serious possibility that Bank of America have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for them, BK OF AMER, was placed within my XXXX credit file in XXXX, 2022. 

The Act specifies that they must document their reasons for requesting my report and, when in error, remove them as well. 

In the process a new frogelent credit card was opened on my name by XXXX XXXX Credit Card company which I never requested and received. 

I am depending upon BK OF AMER to follow the statute : Either provide documentation that the law was followed by researching the matter at once, or remove this offending inquiry as soon as possible. 


Company # 2 XXXX Credit Bureau Why does an inquiry for Bank of America ( XXXX XXXX ) appear on my credit report? Aren't they aware that they must enforce the permissible purpose provision of the Fair Credit Report Act? 

I requested XXXX Credit Bureau prove it to me that the inclusion of this inquiry complies with this Federal Law, or remove it Yours truly, 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 non-monetary relief
Consumer complaint received 2022-11-05 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: Affirm Holdings, Inc
State: DC

Complaint narrative:
I got multiple emails from Affirm saying thanks for applying for credit or things along those lines. They improperly inquired upon my credit report without a legal cause or my authorization and should be investigated for such.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My account with bank America was closed due to multiple agencies taken money off my card an account with out my knowledge. XXXX kept charging me for services after calling them to let them know I was not getting services. I then bought a XXXX XXXX  from XXXX XXXX during the pandemic an paid for services and never received the services. I received a settlement on my bank account in which a rental vehicle place took money off my account when I had insurance on a the time And XXXX XXXX  or other rental company took an extra XXXX or more off my account. XXXX XXXX took multiple transactions off my account while renting also when I was locked out a vehicle twice when scheduling on the app and speaking with the representative who put the money back on my card it was taken back off. I have been trying to meet with a bank of America representative to discuss my account an to nonavailability it's been XXXX yrs I have been trying to repair an remedy this situation. I am XXXX an my account was closed ant my taxes was deposited to this account and I am missing some money from my taxes in this same account. When I call the other agencies to get records or paperwork no one will give me the info I need to prove money was taken out my account.

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 2022-11-04 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: NY

Complaint narrative:
see attached- fraudulent accounts reporting on my consumer file remove immediately. in violation of my consumer rights and defamation character. 
XXXX XXXX XXXX XXXX  send updated report with it removed

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 2022-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Revenue, Inc.
State: PA

Complaint narrative:
I disputed this account through the appropriate procedures. 

XXXX and XXXX investigated this account effectively, the account was removed. 

XXXX failed to complete a through investigation of this disputed medical debt and it was returned verified. 

It is my understanding all three credit reporting agencies have to adherence, to the same investigative processes for a debt to reflect on a consumer report if it disputed. 

i disputed this material with all three credit reporting agencies on the same day, and only XXXX failed to investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
The loan is for {$12000.00}, with interest accruing daily. I sent in a payment of {$5000.00}, it was processing, then it disappeared. The amount was not taken out of my account, but I am trying to pay it off fast because the interest rate is crazy. I read reviews online ( after I set up the loan ) that they have refused peoples payments so they can collect all the interest that was expected. I have called them multiple times, took records of account balances ( both my bank and the loan amount ), payment confirmations, and phone calls. I am about to get in touch with a lawyer because they are ripping me off and wont let me pay it off. I have the money to pay it off, they just wont let me pay it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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: EQUIFAX, INC.
State: KY

Complaint narrative:
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 instruction.

15 u.s.c 1681 A 5 section states no consumers reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 


XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Balance : {$7300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2800.00}

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 2022-11-05 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: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Balance : {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
On XX/XX/2022 - I sent a communication through the Postal Office, which was received by your company on XX/XX/XXXX indicating the incorrect information being reported by your company. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( XXXX ) such amount of punitive damages as the court may allow ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

A charge-off is a canceled debt - and according to the IRS Publication XXXX a write-off is Gross income to me, and there's no way for you to allow income on my credit report. 

I was denied as result a {$31000.00} Auto extension of credit for my household use, and this has resulted in great harm to my family.

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 2022-11-05 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: NY

Complaint narrative:
see attached- fraudulent accounts reporting on my consumer file remove immediately. in violation of my consumer rights and defamation character. 
XXXX XXXX XXXX XXXX send updated report with it removed

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 2022-11-05 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: NY

Complaint narrative:
see attached- fraudulent accounts reporting on my consumer file remove immediately. in violation of my consumer rights and defamation character. 
XXXX XXXX XXXX XXXX send updated report with it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I applied for XXXX XXXX XXXX credit card with Barclays. I received my card XX/XX/22 opened it at approx 750pm after work. Envelope appeared in tact. Tried to serup online account for card was unable. The online setup system kept telling me I already have a Barclays card and to use that login. I do not have another primary holder of a Barclays card in my name. Concerned I called Barclay XXXX number on card. 3 three agents couldnt help me and didt know what was going on. I asked them to cancell the card and they wouldnt, they also told me my mothers maiden name didnt match. They didnt help. This application was filled out on an XXXX XXXX flight paper and the stewardess took the application. Now Im more concerned when I think about it. Please help. I want this card closed due to possible fraud.

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 2022-11-05 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: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has violated my rights. 

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 an account without my written instruction.

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 2022-11-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act Convergent Accounts : XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX acct XXXX XXXX, XXXX acct # XXXX has violated my rights. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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: EQUIFAX, INC.
State: MI

Complaint narrative:
There is a Credit Card from XXXX XXXX reporting on my credit report inaccurately Acct XXXX XXXX, Opened on XXXX XXXX, XXXX. 
I have requested a full accounting of this card two times now and have yet to receive that information from XXXXXXXX XXXX. I am again requesting all the statements from XXXX through XX/XX/XXXX. 
XXXXXXXX XXXX has been reporting the date of last activity on this account as XX/XX/XXXX and XXXX ( XXXX ) time now have reported that date of last activity is reporting correctly. 
However my records show there were NO successful payments for this XXXX XXXX credit card in XXXX, XXXX and XXXX of XXXX. So XXXX XXXX must believe this account was actually used in XXXX, XXXX and XXXX of XXXX. If that is true it may have been fraud. But I can not confirm that unless XXXXXXXX XXXX  provides me a copy of the statements I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 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.
State: MI

Complaint narrative:
There is a Credit Card from XXXXXXXX XXXX  reporting on my credit report inaccurately Acct XXXX XXXX, Opened on XXXX XXXX, XXXX. 
I have requested a full accounting of this card two times now and have yet to receive that information from XXXX XXXX. I am again requesting all the statements from XXXX through XX/XX/XXXX. 
XXXXXXXX XXXX has been reporting the date of last activity on this account as XX/XX/XXXX and XXXX ( XXXX ) time now have reported that date of last activity is reporting correctly. 
However my records show there were NO successful payments for this XXXX XXXX credit card in XXXX, XXXX and XXXX of XXXX. So XXXXXXXX XXXX must believe this account was actually used in XXXX, XXXX and XXXX of XXXX. If that is true it may have been fraud. But I can not confirm that unless XXXXXXXX XXXX provides me a copy of the statements I have 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 2022-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, 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. XXXX XXXX XXXX XXXX XXXX Account # XXXX The above account have violated my rights. 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. Attached is a copy of the title for my vehicle that proves that this account was PAID IN FULL. The company is incorrectly reporting this account as a charge off.

Company response to consumer: Closed with explanation