vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Property Receivables, Corp
State: FL

Complaint narrative:
Disputing Incorrect Charges on Debt Collection, I hope this message finds you well. I am writing to formally dispute certain charges listed on the debt collection account in my name, which were originally sourced from XXXX XXXX.Upon reviewing the documentation provided by your office, I have identified discrepancies that warrant further investigation. It appears that some of the charges listed may have been erroneously applied by the originating party, XXXX XXXX. As such, I request your assistance in resolving these discrepancies promptly.I kindly ask that your office provide a detailed breakdown of the charges currently listed on my account. Furthermore, I request that you liaise with XXXX XXXX  to verify the accuracy of these charges and to rectify any errors that may have occurred.It is essential to me that the information reflected on my account is accurate and fair. Therefore, I urge you to conduct a thorough review of the charges and provide me with an updated statement reflecting any necessary adjustments.Please acknowledge receipt of this dispute letter and provide me with a timeline for the resolution of this matter. Your cooperation in addressing this issue is greatly appreciated if we are not able to resolve the charges perform by XXXX XXXX this matter will have to be review by a lawyer .Thank you for your attention to this matter. I will be expecting your response promptly through email given that I need record of all the conversation hold by either party. 
Never reciben an answer from XXXX or XXXX which they impacted my credit. I have reached out many times to XXXX and never received anything and the debt collection office is not even telling me what the charge is on I have proof and emails that the charges to break down the lease where made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: MN

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtein credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
In the year XXXX I rented an Apartment unit from a man named XXXX XXXX. In XXXX XXXX XXXX said they bought the place and I was on a monthly contract until XXXX of XXXX. It was a horrible leasing company. Also in XXXX of XXXX they started housing students from the University claiming to be dormitories or student housing. I was never a student. I attached email correspondence showing proof of this. 

I've disputed this with all 3 major credit bureaus. All of KIMBALL TIREY STJOHN information doesn't add up. Their records don't start until XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i recently changed my address and received a letter from bank of america too late to provide documents what they need. i sanded that documents but unfortunately it was too late. i am ready to sand all documents what they needs again .PLEASE help me to open my accounts it is important for me. I will really appreciate that THANK you

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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each erroneously reported item on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: MN

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America credit inquiry that is not mine

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 2024-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NY

Complaint narrative:
I consistently make on-time payments, of which I'm certain. However, I'm unsure why this company reports me as late in certain months, which shouldn't happen. According to USC 1666b, any billing errors must be corrected, or they'll owe me {$1000.00} for each account reporting inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NY

Complaint narrative:
I consistently ensure that my payments are made on time ; that much I am certain of. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors must be corrected, or they will owe me {$1000.00} for each account reporting inaccurately.

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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
According to FCRA 605B, we are required to remove any inaccurate accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I should receive {$1000.00} for each erroneous entry on my credit file.

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 2024-04-28 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:
FCRA 605B necessitates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each inaccurately reported item on my credit file.

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 2024-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I Deposited a check from New York State taxation department onto the mobile app with Chase bank on XXXX XXXX. Usually my funds are released to me immediately. I received an email saying my funds will not be available until XX/XX/2024 due to the financial institution. I call them to release my funds and they kept sending me to different representatives and saying that the check was pending and theres nothing they can do about it until XX/XX/2024. There is no reason why this check should be held for that long it is from New York State.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I According to my consumer report I received dated XX/XX/XXXX there was an error that on XX/XX/XXXX I there is a late payment posting from XXXX XXXX have never been late on this account. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. This account XXXX needs to be updated as paid as agreed, NO LATE PAYMENT on Equifax, XXXX, XXXX and any other furnishes of my personal credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 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: EQUIFAX, INC.
State: IA

Complaint narrative:
I, XXXX XXXX XXXX, an Agent for Principal XXXX XXXX XXXX, and Affiant ; Attorney in fact, for ANY and ALL derivatives thereof, for the surname/given name. I have been APPOINTED and ACCEPT being the executor, both public and private, for all matters proceeding, and I, hereby, claim that I will autograph for my given name, XXXX XXXX XXXX, and as the Agent and Administrator in fact. 

Congress finds there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S.Code 1681 ( b ) The Consumers right to privacy 15 U.S.Code 1681 ( a ) ( 4 ) Upon reviewing my consumer credit report, I have noticed several inaccuracies. You have a DUTY pursuant to Fair Credit Reporting Act to report ONLY accurate and fair information. In accordance with the Fair Credit Reporting Act, XXXX, has violated my rights. 

I have a right to privacy. 15 U.S.Code 1681 section 604A Section 2 : states a consumer reporting agency can not furnish an account without my written consent and instructions. I AM DEMANDING SUCH PROOF for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT {$430.00} DATE XX/XX/year> The consumer credit report, pursuant to U.S.Code 15 1681 ( a ) ( 2 ) exclusions-except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to Section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; late payment entries identified on the consumer report are a VIOLATION OF MY RIGHTS AS A CONSUMER. 

You are in non compliance of the Fair Credit Reporting Act by reporting this inaccurate and false information. It is causing me SEVERE harm. My report should be updated to reflect MY correct and accurate information. 

Thank you for your prompt attention to this SERIOUS manner. Please feel free to contact me with any further questions. 

Sincerely, XXXX XXXX XXXX XXXX living man )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 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: IA

Complaint narrative:
I, XXXX XXXX XXXX, an Agent for Principal XXXX XXXX XXXX, and Affiant ; Attorney in fact, for ANY and ALL derivatives thereof, for the surname/given name. I have been APPOINTED and ACCEPT being the executor, both public and private, for all matters proceeding, and I, hereby, claim that I will autograph for my given name, XXXX XXXX XXXX, and as the Agent and Administrator in fact. 

Congress finds there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S.Code 1681 ( b ) The Consumers right to privacy 15 U.S.Code 1681 ( a ) ( 4 ) Upon reviewing my consumer credit report, I have noticed several inaccuracies. You have a DUTY pursuant to Fair Credit Reporting Act to report ONLY accurate and fair information. In accordance with the Fair Credit Reporting Act, XXXX, has violated my rights. 

I have a right to privacy. 15 U.S.Code 1681 section 604A Section 2 : states a consumer reporting agency can not furnish an account without my written consent and instructions. I AM DEMANDING SUCH PROOF for the following accounts : XXXX ACCOUNT # XXXX AMOUNT {$840.00} DATE XX/XX/2018 XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX AMOUNT {$1400.00} DATE XX/XX/2018 XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT {$6500.00} DATE XX/XX/2018 XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT {$430.00} DATE XX/XX/2018 The consumer credit report, pursuant to U.S.Code 15 1681 ( a ) ( 2 ) exclusions-except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to Section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; late payment entries identified on the consumer report are a VIOLATION OF MY RIGHTS AS A CONSUMER. 

You are in non compliance of the Fair Credit Reporting Act by reporting this inaccurate and false information. It is causing me SEVERE harm. My report should be updated to reflect MY correct and accurate information. 

Thank you for your prompt attention to this SERIOUS manner. Please feel free to contact me with any further questions. 

Sincerely, XXXX XXXX XXXX ( living man )

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 2024-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
BOA has not provided a lien release for a loan that was PIF XX/XX/2024. They can only provide a date it was " mailed '' of XX/XX/2024. They keep giving me the run around to call, they just tell me when it was " mailed '' but the bank it was " mailed '' to has not received it. It's all a big circle with no end. They need to produce a second lien release now.

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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX reported that I am over my limit. My attachments below show that not only am I not currently over my limit, but I have not been over my limit in this reporting period ( or ever ).

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 2024-04-28 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: MA

Complaint narrative:
XXXX XXXX reported that I am over my limit. My attachments below show that not only am I not currently over my limit, but I have not been over my limit in this reporting period ( or ever ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX reported that I am over my limit. My attachments below show that not only am I not currently over my limit, but I have not been over my limit in this reporting period ( or ever ).

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 2024-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Hi, On XX/XX/XXXX around XXXX XXXX, I went to a citizens bank ATM to deposit 16 checks totaling {$2300.00}. After the machine took all the checks, it suddenly shut off without providing me any receipt. I called the bank and filed a claim, explaining what happened, and they credited my account right away. However, on XX/XX/XXXX, I received a letter stating that after their investigation, they couldn't find any errors or checks in the ATM, and they reversed the credited amount from my bank account. I called several times to request another verification and to have the credit reinstated, but the customer service representatives said they couldn't take any further action. Unfortunately, I lost the money as I'm unable to request replacement checks from the people who issued them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: IN

Complaint narrative:
I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not 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 non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not 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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/year> I received a notice from Portfolio Recovery Services advising that they were requesting the credit bureau delete the tradeline for the original creditor XXXX XXXX XXXX  ( USA ). However, as of today XX/XX/year> the account is still listed and reporting adversely on my XXXX credit report.

Company response to consumer: Closed with non-monetary relief