vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear CFPB, My name is XXXX XXXX XXXX XXXX, a resident of XXXX, Florida, and the owner of a business account with Fifth Third Bank, originally opened at their branch located at XXXX XXXX XXXX XXXX, XXXX, Florida. I am writing to formally file a complaint against Fifth Third Bank due to an alarming and unaddressed error in my business account balance, which has shown an incorrect negative balance of - {$490000.00} for more than XXXX days as of today. 

This substantial and erroneous balance has directly impacted my ability to conduct any transactions, including essential business operations. The situation has severely harmed my businesss financial standing, limited operational capacity, and damaged my professional reputation with clients and partners. 

Attempts to Resolve the Issue : I have made multiple attempts to contact Fifth Third Banks customer service over the phone, but their XXXX support system has repeatedly prevented me from reaching a live representative. This lack of human assistance in urgent matters raises significant concerns about the reliability, accessibility, and security of their customer service system. This prolonged inaccessibility has left me without any clear resolution path and further exacerbated the impact on my business operations. 

Supporting Documentation : I have documented all attempts to contact Fifth Third Bank and the dates reflecting the issues duration. This situation not only indicates a potential systemic error but also calls into question the banks internal security and risk management measures. 

Requested Resolution : I am requesting the CFPB to intervene by : Urging Fifth Third Bank to immediately review and correct the erroneous negative balance in my account. 
Requiring Fifth Third Bank to provide a direct point of contact ( i.e., a representative ) for urgent business matters. 
Ensuring Fifth Third Bank takes accountability and implements stronger safeguards to prevent such errors from occurring in the future. 
Impact of the Issue : This situation has had profound negative effects on my businesss operations, revenue flow, and credibility, which are critical to my livelihood. I am concerned about the lack of urgency from Fifth Third Bank to address this issue, and I hope the CFPB can support a fair and prompt resolution. 

Thank you very much for your time and consideration of this serious matter. I look forward to the CFPBs guidance and assistance in resolving this issue. 

Contact Information : Full Name : XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Collection Management Holdings, LLC
State: MS

Complaint narrative:
This account is fraudulent I am a victim of identity theft. " According to FCRA Section items saying " Potentially : 605B it is illegal to report anything on my credit negative report without my XXXX. For the reason select permission. 
Please remove this negative " Other Reason '' item. Thank you '' Please see attached a copy of my XXXX  report and the federal law 605b

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: LA

Complaint narrative:
Consumer adjustment company, added this collection to my report in XX/XX/XXXX, this account was charged off and sold, account was opened in XX/XX/XXXX, this is not my account from XXXX XXXX XXXX I currently have a couple of credit cards with XXXX XXXX XXXX in excellent standing, this account was sold,, collection company trying to collect on a already paid account by insurance, which is illegal to try and collect again on a fraudulent account, did not get in touch with consumer stating account was opened, no knowledge, would like this deleted from all reports, I have already told collection agency I need proof and my signature when this account was opened, never heard anything back this happened more than 30 days ago.please investigate, I have been a victim of several data breaches where all my personal information was exposed.please remove from this fraudulent collection from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
This account is fraudulent is placed on my credit report. With out my permission. I am a victim of identity theft. ( " According to FCRA Section items saying " Potentially : 605B it is illegal to report anything on my credit negative report without my XXXX. For the reason select permission. 
Please remove this negative " Other Reason '' item. Thank you '' ) attached FTC report also a copy of the law 605 B

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
The company gave a response to my initial complaint, but has yet to provide any proof of requested information of validity. Furthermore, they do not have a license to operate or collect on, said that in the state of florida, therefore making their attempts to collecting a debt in florida illegal and they're inaccurate reporting on my credit profile need to cease immediately, violating my rights, according to FCRA I have included information proving they are not licensed to operate in the state of florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: ProCollect, Inc.
State: TX

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 OBTAIN CREDIT.

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 2024-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: FORD MOTOR CREDIT CO.
State: AZ

Complaint narrative:
Vehicle was repossessed before insurance claim payout, which would have satisfied the loan. Repossession was premature ; please remove this entry as the debt would have been paid in full. 

FORD MOTOR CREDIT WAS PROVIDED WITH NOTICE & POLICE REPORT THAT THE VEHICLE WAS IN A NOT AT FAULT ACCIDENT ON XX/XX/year>. 

THE POLICE REPORT REFLECTS INSURANCE COVERAGE FROM BOTH INVOLVED PARTIES. 

THE VEHICLE ALSO HAD GAP COVERAGE. 

FORD REPOSSESSED THE VEHICLE XXXX HOURS BEFORE INSURANCE WAS SCHEDULED TO TAKE POSSESSION OF THE VEHICLE AND PROCESS THE PAYOFF. 

THE AT XXXX XXXX XXXX INSURANCE IS RESPONSIBLE FOR THIS DEBT - FORD PREMATURELY REPOSSESSED THE VEHICLE BEFORE INSURANCE WAS ABLE TO TAKE POSSESSION OF THE VEHICLE. 

I HAVE BEEN CONTACTING FORD FOR MONTHS TRYING TO RESOLVE THIS ISSUE AND HAVE RECEIVED XXXX RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX, XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2024-11-10 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 did not give anyone authorization or consent to use my personal information. 

I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.This inaccurate fraudulent account that's showing on my credit report is XXXX XXXX XXXX that needs to be removed.

SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking knows or consciously avoids knowing the information is inaccurate and inserting knows or has reasonable cause to believe that the information is inaccurate, and ( 2 ) by adding at the end of the following : ( D ) DEFINITION For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: ID Analytics, Inc.
State: FL

Complaint narrative:
XXXX XXXX/Sage Stream is reporting inaccurate information on my consumer/credit report. 

I have disputed these items on XXXX.

I received a email on XXXX that they don't have any records of these items. 

I will attached the consumer report I received from XXXX/Sage Stream all inaccurate are on PAGE 4 through 18 and PAGE 27 through 28. 

I requested all inaccurate emails, addresses, phone numbers and ALL INQUIRES to be removal from my credit file. 

XXXX XXXX/SAGE STREAM are violating the following consumer law : 15 U.S.C Code 1681 This is not responds to original CFPB dispute XXXX ''. 

According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer/credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I request an investigation into this matter. Those inaccuracies listed below are not mines. I requested the deletion of all inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: I.C. System, Inc.
State: TX

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 OBTAIN CREDIT.

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 2024-11-10 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: CL Holdings LLC
State: TX

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 OBTAIN CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, Bank of America XXXX XXXX XXXX XXXX illegally refused to cash their own check for {$11000.00} ( from closed EDD account ). 

Despite having valid California ID and secondary identification, AVP Financial Center Assistant Manager XXXX XXXX refused to cash the check without even reviewing my ID. 

I was the only XXXX woman in the branch and was treated with visible discrimination. 

Due to their refusal, I was forced to use a check-cashing service, incurring a 10 % fee ( {$1100.00} ) and a 14-day hold on my funds. '' Attempted to resolve at branch level with Assistant Manager XXXX XXXX, who refused to follow proper procedures or offer any solutions. This was a Bank of America issued check that they were legally required to cash. '' " Their refusal violated : California Commercial Code 3-411 Civil Rights Act of 1964, Title VI California Unruh Civil Rights Act Federal Reserve Regulation CC The check was legitimate, issued by Bank of America for California EDD account closure. Their refusal caused financial hardship and appears discriminatory. ''

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 2024-11-10 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX, XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened aXXXX XXXX XXXX XXXX, XXXX. on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
In accordance to the Fair Credit Reporting Act, XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you investigate the accuracy of this information and correct or remove any inaccuracies. Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation into any disputed information and correct any errors or outdated data in my credit file. 
Furthermore, under 15 U.S.C. 1681c-2 ( FCRA 605B ), I request that you remove any information related to fraudulent accounts or activities that I did not authorize. This section of the FCRA mandates that information relating to fraudulent accounts must be removed from a consumers credit report within a reasonable period once reported.

Company response to consumer: Closed with explanation