vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 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: PA

Complaint narrative:
I am writing to dispute inaccurate information reported on my credit file. The false reporting of this information constitutes libel, as it damages my reputation and creditworthiness. Please investigate and correct these errors immediately to avoid further harm.

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 2024-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I used BofA bill pay to pay from my checking account XXXX my XXXX XXXX mortgage loan number ending in XXXX. Payments are auto scheduled for the XXXX of the month and due by the XXXX. XXXX 's payment cleared on XX/XX/XXXX. XXXX payment was " sent '' by BofA, but not cleared by XX/XX/XXXX so I called BofA and XXXX XXXX to make sure the check had not cleared or been received by XXXX XXXX. XXXX XXXX confirmed on the XXXX they had not received the check, so I authorized an XXXX debit submitted by XXXX XXXX to BofA to pay my mortgage and avoid late fees. I also asked XXXX XXXX if they received the check late not to process the check against my account. I called BofA and they place a stop payment on the billpay check. On XX/XX/year> I noticed both items showed up as being presented and processing. I called BofA and they let me know that the XXXX would be paid and the check would be returned. 

On XX/XX/year> I checked and both items the check and the authorized XXXX debit had been returned. I called BofA and the customer service rep told me this was a known issue/problem they had not corrected when a stop payment was placed on a bill pay item if the same amount was submitted as an XXXX debit and it was processed for the same vendor it would also be blocked. I asked BofA to fix the problem, send the payment and contact XXXX XXXX to resolve any issues with late fees and returned item charges. They said they could not send the payment unless I wanted to submit my own wire for same day and they would not call XXXX XXXX. By the time I figure this out XXXX XXXX was closed. So I called them on XX/XX/year>. 

On XX/XX/year> I called XXXX XXXX and had them process a new XXXX debit to pay my XXXX XXXX mortgage from my same BofA account. They had not yet seen the returned items, which now would be XXXX returned items and informed me that when the returned items were received they would reverse my payments charge me return item fees and assess a late fee. 

My complaint is about both XXXX XXXX and BofA. I'm using services fit for purpose for bill payment and both parties business practices both breach the merchantability and fit for purpose requirements for financial services resulting in assessment of fees. My sense is XXXX XXXX has established a practice of not setting up XXXX payments from billpay to delay the processing of a payment for customers in good standing so that the payment is not applied early and they can continue to earn interest until they " process the payment '' I have had XXXX different issues with XXXX XXXX not processing my payments on time and have had to authorize XXXX debits at least twice.

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 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Description : I am filing a complaint against LVNV Funding LLC for failing to provide adequate debt validation under 15 U.S.C. 1692c. I requested proof of ownership, specifically the purchase agreement or documentation demonstrating a valid chain of title, but they failed to provide this information.

Despite this failure, they continue to report the account to credit bureaus. This violates 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ). I am disputing the accuracy and validity of this debt. 

Requested Resolution : XXXX. Provide the purchase agreement and full chain of title demonstrating ownership of the debt. 
XXXX. Remove the account from my credit report until proper validation is provided. 
XXXX. Cease reporting the debt if it can not be verified with required documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To management name as : XXXX XXXX XXXX This letter is to notify the management name as XXXX XXXXXXXX that your company placed and unauthorized inquiry on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand under FCRA : Section 604 1.Permissible purpose 2. My written authorization 3.Proof that I personally initiated this inquiry.

Either provide me strict proof are delete the items immediately.if you do not delete the inquiry in 15 days I will take legal action.

Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter.if you ignore this letter and don't delete the inquiry or don't provide strict proof of the authorization I will have no other choice but to have my local congressman promptly froward a formal complaint to the federal trade commission and attorney general for further scrutiny of this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Ive started looking into my credit as of late and taking steps to become not aware of whats on it. This is my first time doing so as Ive never really cared for credit before. Since XXXX Ive been trying to get unauthorized and/fraudulent accounts and information being furnished on my credit reports whether its inaccurate personal information or an account I dont recognize from XXXX  XXXX and XXXX to the credit agencies. After multiple phone calls, letters, research this inaccurate/fraudulent data remains.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNT and INQUIRIE that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNT and INQUIRIES from my credit report. 
ACCOUNT XXXX XXXX XXXXXXXX

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNT and INQUIRIE that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNT and INQUIRIES from my credit report. 
ACCOUNT XXXX XXXX XXXXXXXX

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 2024-11-20 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: FL

Complaint narrative:
My divorce decree shows the judge ruled Im not responsible for the house and eqifax or XXXX XXXX isnt removing the account keeping me from the ability to get a new XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
On XXXX i received a call from Citi indicating there were possible fraud charges on my Best Buy account. I immediately disputed these charges. I later found out the entity that did this misused all my credit cards with logos and my bank account. Sfter investigations, all charges were deleted and new cards were issued. The only merchant that insists in making me respisible is Citi. In fact, on that date there were 3 fraud charges for XXXX, XXXX and XXXX. They deleted the XXXX, but will charge me the other 2 amounts. All of these charges were done by XXXX XXXX, XXXX, XXXX. Those charges were not mine. I do not know the entity involved.

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 2024-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
Bridgecrest Acceptance Corporation ( XXXX  ), is a licensed motor vehicle sales finance company, XXXX ID XXXX. Bridgecrest Credit Company , LLC ( XXXX ), XXXX ID XXXX, is a subsidiary of XXXX and a licensed servicer of retail installment contracts, including accounts owned by XXXX. 

This company is a loan venue for XXXX. They have incorrectly represented the loan payments monthly that fluctuates by an increase of {$10.00} every statement which is not reflective in the agreement signed. 

Further they did not notify of bank withdrawal issues prior to notifying the credit bureau which reflects inaccurate information related to the loan amount. XXXX indicates the car loan is roughly XXXX when it is XXXX. 

Attempting to resolve the issue on the phone and online they reverted to having someone call or email back with an update, yet no one did. This has ruined my credit under XXXX which was over XXXX two weeks ago. They continue to hit my credit and are not willing to resolve this amicably based on the inaccurate information they are disclosing and not willing to provide to me in writing. They do not have a copy of the loan on my profile despite me requesting. 

This violates : # # # 1. Fair Credit Reporting Act ( FCRA ) - The FCRA is a federal law that regulates how credit reporting agencies collect and share consumer information. It requires that all information in your credit report be accurate and complete. If a loan company reports inaccurate information, you have the right to dispute it.

# # # 2. Fair Debt Collection Practices Act ( FDCPA )- If the loan company has sold your debt to a collection agency, the FDCPA applies. This law prohibits abusive practices in the collection of debts, including harassment or misrepresentation.

# # # 3. Truth in Lending Act ( TILA ) - This act requires lenders to provide clear and accurate information about loan terms, including the total costs, interest rates, and any fees. If a loan company fails to disclose this information, they may be violating the law.

# # # 4. State Laws - Many states have additional laws governing lending practices, including usury laws that cap interest rates and protections against predatory lending. Check your state 's laws for specific protections.

# # # 6. Credit Reporting Errors - If you find errors on your credit report due to a loan company 's reporting, you can dispute these errors directly with the credit reporting agency ( XXXX XXXX XXXX, or XXXX XXXX. They must investigate your dispute, usually within 30 days. 

I need assistance because this company is likely hurting other consumers and their ability to buy and function with fair credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: Experian Information Solutions Inc.
State: MD

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, who's studying XXXX 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. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: SC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year> I received a call from a person portraying to be a staff member from Chase 's fraud department. He identified himself as XXXX XXXX, and he said that a wire transfer for {$2700.00} was attempted from my account and that he was going to help me take care of it. I told him that I was going to the Chase branch and speak to one of the employees. He said I did not have to do that because he works for Chase. He said a stop would have to be placed and the funds had to be transferred to a temporary account until the investigation was concluded. I did not give this person my account information, however, he seemed to have all of the information already. He said he would call back within 30 minutes after the investigation was done. I never heard from him, and I called the Fraud Dept at Chase, but they said they do not have an employee by that name. I went to the Chase branch the next day and asked one of the staff member to investigate the wire transfer that came out of my account for {$600.00} which I did not authorize ; however, the branch Manager told me verbally because the wire transfer was authorized by me, as the fraud dept had told her. She told me they would investigate and get back to me within 30 days ; but I never heard from them again. I had never done any online banking transactions on my account, therefore, I never issued any wire transfers online. This unauthorized wire transfer for {$600.00} was done on behalf of the person who called me by the name of XXXX XXXX.

Company response to consumer: Closed with explanation