vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO

Complaint narrative:
on XX/XX/XXXX i sent a Real time payment ( RTP ) from my HSBC checking account XXXX to my XXXXXXXX XXXX checking account XXXX in the amount of {$410.00}. The payment never arrived. I have been stonewalled by HSBC o nthis for months, they keep telling me they are investigating and then saying the money was received. it is my account and i can easily prove the money never landed with statements but they will not look at them. This happened with my HSBC savings account as well ( I will submit a seperate complaint ) within a few days of each other or the same day i can't even remember for around XXXX i bleieve. Same thing happened with that payemnt, it never arrived. HSBC stole my money and i can't get them to do anything. I am afraid to close my accounts cause then i'll have no relationship to get my money back but it's been more then 6 months and they have sent me a letter they will no longer investigate. So frustrating, they have stolen XXXX from me. please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am unaware of this debt. I did not have the opportunity to dispute this debt. If you believe this is my debt, please provide me with a copy of the certified mail letter with my signature showing that I received this debt. 

In addition, during my conversation with a customer service representative, she stated that the company purchased my debt from Synchrony Bank without my authorization. I did not give this company authorization to purchase my social security number and report negative debt to the credit bureaus. Per the FCRA, it is illegal to purchase someone's social security number and use it negatively.

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 2024-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Called me more than 7 times within 24 hours

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: GA

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries.

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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Can you please verify the documents? Several of the listed accounts are not accurate, and it's causing me some distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Can you please verify the documents? Several of the listed accounts are not accurate, and it's causing me some distress.

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 2024-03-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have consistently ensured that payments on this account are made in a timely manner, preventing any instances of overdue payments. I'm uncertain about the reasons for the presence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be enacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: CA

Complaint narrative:
Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, IA  XXXX Account # XXXX Dear Sir/Ma'am, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : ( XXXX, XXXX ( XXXX, XXXX ( XXXX ( XXXX, XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than XXXX days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( Equifax, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California and XXXX XX/XX/XXXX XXXX Cc : XXXX XXXX States Attorney General

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I opened a Trust account with a business checking account attached, and I lawfully drew a check " for deposit only '' on check numbers XXXX ( drawn onXX/XX/2024 ) and XXXX ( drawn on XX/XX/2024 ) on the business checking account. The the credits were deducted and placed on, but never released to the available funds as such for double entry accounting. Upon the holding of the credits, my account was completely closed as of XX/XX/2024, essentially stealing the held credits in the process of closing the account with no valid reason and blocking me from gaining access through the return of both checks, even after my trust is detailed to cover all insufficient balances that occur on any related accounts. Also, the checks clearly indicated FDIC insured coding in the memos. As issuer and drawer I explained over the phone that Uniform Commercial Code ( UCC ) Article 3 - Negotiable Instruments : The UCC governs negotiable instruments, including checks. Section 3-110 allows for the negotiation of an instrument by a person who is not the owner of the instrument, such as when you deposit a check made payable to you into your own account. 

Federal Reserve Regulation CC : Regulation CC establishes the rules regarding the availability of funds and collection of checks. It allows banks to place holds on deposited checks, but it also requires them to make funds available according to specific timelines. 

Federal Deposit Insurance Corporation ( FDIC ) Regulations : FDIC regulations protect depositors ' funds and ensure the stability of the banking system. They provide guidelines for banks on accepting deposits and making funds available to depositors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I opened a XXXX at 5.40 % on XX/XX/XXXX. It was set up to fund and they were going to take the money out of my XXXX XXXX XXXX account to fund this CD. I waited and looked for the deposit but it did not happen. I called them and we tryed this process several more times. Then on XX/XX/XXXX they told me to mail in a check to fund the account and gave me a po box to mail it to and told me to include the account number. I had called several times to see why they had not cashed my check the last time was on XX/XX/XXXX and I was told they still did not have the money to fund it. Then on XXXX they called me and said they could not deposit the check because the account was closed. At this point they said I would have to open another account and I requested the same rate. They said it had to go somewhere to get approval 7 to 10 days. I called them on XX/XX/XXXX because they cashed the check and I wanted to know where they put it since I don't have any accounts with them. Again the girl did not know and opened a case file. Then they called me back XXXX in the afternoon where I re-explained everything again to 3 other people, they called my bank and verified the check was cashed because they did not know where the money was. Now they filed another case file to ask the lost and found money department if they have the money and I am to wait another 7 to 10 days. This is just unacceptable. They don't even know where my money is at this point and I am just suppose to wait and see if they find it. This is terrible service and I told them I had the cancelled check and they didn't even ask for a copy of it. I feel someone should be helping me now and not making me wait and see for over a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax Headquarters XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Dear sir, I have received XXXX letters from your company office, addressed Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX Both letters are dated on XX/XX/year>. XXXX of them asked me to provide the necessary documents for initial XXXX fraud alert. Even though I must have sent the documents, which must be necessary for the XXXX extension alert, I have decided to send this one, because this one does not ask the copy of social security number. Instead of it, it asked utility bill or pay stub along with drivers license or birth certificate. After considering seriously, I have decided to submit the utility bill of XXXX XXXX ; therefore, it must be enough to verify my address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. If you want further information, please let me know with appropriate explanation. If you prefer more personal information, besides my XXXX passport, I can provide the document with notary. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am submitting another complaint because I am once again stating that I have sent multiples letters for half of a year requesting that the information be removed and updated. From XX/XX/XXXX until XX/XX/XXXX. The information has not been updated at all. And not has been updated. 

I have already sent multiple letters requesting the information to be removed and to be verified. And you ask me to continue to do it The response giving to me on XX/XX/XXXX was to re-submit disputes. The doesnt make sense to do that. My rights are being completely violated. I am not submitting anymore letters and I am seeking litigation if the information previously requested is updated and removed. 

XXXX XXXX XXXX is a resold debt from a different debt collector. And they are trying to collect a debt from XXXX, and on my XXXX Report, another debt collector is trying to collect on a debt from XXXX of the same account. Which is completely illegal. I pulled the information from the XXXX app and printed the reports. 

XXXX has no documentation saying that I have agreed to pay that debt they are collecting on the behalf of XXXX XXXX They will not provide information of registered agent of service, obligation of debt with my signature on it of agreeing to pay. 

Youre violating my rights and the FCRA federal law.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am submitting another complaint because I am once again stating that I have sent multiples letters for half of a year requesting that the information be removed and updated. From XX/XX/XXXX until XX/XX/XXXX. The information has not been updated at all. And not has been updated. 

I have already sent multiple letters requesting the information to be removed and to be verified. And you ask me to continue to do it The response giving to me on XX/XX/XXXX was to re-submit disputes. The doesnt make sense to do that. My rights are being completely violated. I am not submitting anymore letters and I am seeking litigation if the information previously requested is updated and removed. 

XXXX XXXX XXXX is a resold debt from a different debt collector. And they are trying to collect a debt from XXXX, and on my XXXX Report, another debt collector is trying to collect on a debt from XXXX of the same account. Which is completely illegal. I pulled the information from the XXXX app and printed the reports. 

XXXX has no documentation saying that I have agreed to pay that debt they are collecting on the behalf of Apex Apartments. They will not provide information of registered agent of service, obligation of debt with my signature on it of agreeing to pay. 

Youre violating my rights and the FCRA federal law.

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 2024-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to you with a matter of utmost urgency and severity regarding the fraudulent accounts associated with your company. It has come to my attention that there are accounts linked to my name without my authorization or consent. This egregious violation of my privacy and trust can not and will not be tolerated. XXXX XXXX XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/2023, and XXXX XXXX XX/XX/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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 information is inaccurate.

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 2024-03-07 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: GA

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 information is inaccurate.

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 2024-03-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief