vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patenaude & Felix A Professional Corporation
State: NC

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX- [ ] I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: AZ

Complaint narrative:
I noticed some accounts and inquiries that dont belong there. I am requesting these accounts to be removed from my credit report as they are having a negative affect on my credit report.

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 2024-10-02 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: Collection Management Holdings, LLC
State: AZ

Complaint narrative:
I noticed some accounts and inquiries that dont belong there. I am requesting these accounts to be removed from my credit report as they are having a negative affect on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: MD

Complaint narrative:
Per FCRA as a federal protected consumer I am now opting out of any and all authorizations that I the consumer may have given you written, verbal, unwritten nonverbal per 15 USC 6802.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: CORELOGIC INC
State: IL

Complaint narrative:
I contacted this company and informed them they had violated my rights as a consumer on or about the week of XX/XX/year> and I requested Verification of the removal of the alleged debt be sent via email to ( XXXX ). I informed them on the following laws Please be advised that, pursuant to 15 U.S.C. 1692c ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I do not consent to the disclosure of any information regarding my debt to any credit reporting agency, including credit bureaus. You are hereby notified that any disclosure of my debt information to a credit bureau or other third party without my express written consent would constitute a violation of the FDCPA. '' I am writing to inform you that I do not consent to the disclosure of any information regarding my debt to any credit reporting agency, including credit bureaus, pursuant to 15 U.S.C. 1692c ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). You are hereby notified that any disclosure of my debt information to a credit bureau or other third party without my express written consent would constitute a violation of the FDCPA. Please confirm in writing that you will not disclose my information to any credit reporting agency. Sincerely, XXXX XXXX XXXX Here are additional resources and information on debt collection regulations and consumer rights : *Federal Laws and Regulations : * 1. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq. 2. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. 3. Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 et seq. *Consumer Rights : * 1. Right to dispute debts ( 15 U.S.C. 1692i ) 2.

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 2024-10-02 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: ID Analytics, Inc.
State: IL

Complaint narrative:
I contacted this company and informed them they had violated my rights as a consumer on or about the week of XX/XX/year> and I requested Verification of the removal of the alleged debt be sent via email to ( XXXX ). I informed them on the following laws Please be advised that, pursuant to 15 U.S.C. 1692c ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I do not consent to the disclosure of any information regarding my debt to any credit reporting agency, including credit bureaus. You are hereby notified that any disclosure of my debt information to a credit bureau or other third party without my express written consent would constitute a violation of the FDCPA. '' I am writing to inform you that I do not consent to the disclosure of any information regarding my debt to any credit reporting agency, including credit bureaus, pursuant to 15 U.S.C. 1692c ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). You are hereby notified that any disclosure of my debt information to a credit bureau or other third party without my express written consent would constitute a violation of the FDCPA. Please confirm in writing that you will not disclose my information to any credit reporting agency. Sincerely, XXXX XXXX XXXX Here are additional resources and information on debt collection regulations and consumer rights : *Federal Laws and Regulations : * 1. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq. 2. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. 3. Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 et seq. *Consumer Rights : * 1. Right to dispute debts ( 15 U.S.C. 1692i ) 2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A.
State: VA

Complaint narrative:
Recently opened a PNC XXXX XXXX XXXX, Approved for XXXX. The person who did my application over the phone told me I could speak with another dept to have my limit re evaluated as I am closing another credit card that this will be replacing. That department turned out to be closed so the next day I was advised by the closed departments manager that my limit could not be reconsidered since it was not the same day I was approved. Which I believe is not fair! Also I realized that in XXXX, You can not make payments via the app unless I have a PNC account is UNACCEPTABLE. This has be strongly regretting my decision to pursue this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.

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 2024-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My debit card was cloned after my last use at a cafe at XXXX XXXX XXXX, my debit card was used at a currency exchange location multiple times the same times as i was on my flight, i reported the activity upon seeing the charges and filed a police report. Chase wont refund me my money. 

I was at XXXX XXXX XXXXXXXX XXXX My last authorized charge was at XXXX XXXX XXXX XXXX XXXX XXXX for {$14.00}. 

After that charge XXXX XXXX did a currency exchange charge of {$770.00} plus a foreign exchange rate adjustment of {$23.00}. 

Then another XXXX XXXX currency exchange {$630.00} plus a foreign exchange rate adjustment of {$19.00} on XXXX this second charge was made after i had already reported the problem in person at chase bank in XXXX XXXX XXXX XXXX and card was supposedly suspended. 

I filed a claim and showed copy of police report and they wont honor the claim, i am retired and can not afford to lose that money, i rely on this little amount of money from my retirement to survive

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-02 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: CITIBANK, N.A.
State: PA

Complaint narrative:
After carefully reviewing my credit profile, there are fraudulent accounts showing on my credit report. I am a victim of identity theft and ask that ALL items be removed and deleted off my credit profile.

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 2024-10-02 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: NC

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 2024-10-02 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-02 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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXXXXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is specific to Transunion. 

I've been trying to view my credit report since XXXX XXXX to apply for a mortgage. My bank was also unable to check my credit on XX/XX/XXXX. The bank asked me to check with Transunion if there was a credit freeze. 

Actions taken on XX/XX/XXXX : 1. Accessed the Transunion website and the following errors occur : - Checking Credit Freeze status - " Sorry, we're having trouble showing the status of your credit freeze right now '' - Trying to request a Credit Report - " We're unable to complete your request online. '' 2. Contacted Transunion two separate instances to confirm no credit freeze. Both times confirmed no credit freeze. 

3. As advised by Transunion, I tried access the Freeze/Report by logging into their site on multiple browsers, clearing cookies and using icognito mode. None worked, same errors. 

I'm trying to put an offer on a house with a tight timeline and this has serious ramifications. Please help resolve.

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 2024-10-02 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: CITIBANK, N.A.
State: TX

Complaint narrative:
In accordance with the fair credit # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan asa late for and purpose.

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 2024-10-02 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have an XXXX XXXX credit card. Completely paid off. In the app they had promotion for savings accounts you can withdraw from daily, no fees, and have all these no commitment guarantees. So I thought I'd check it out. Opened the savings account but the email made me suspect of it. Even though it was an official document from XXXX XXXX, which made red flag and checked my debit. Saw a several XXXX dollar charge from XXXX XXXX. I don't owe them. I didn't do business with them before. I am in shock. Trauma heavily triggered. Cancer/health issues aggravated by situation, I call for help and the lady i spoke to did not help and told me to call bank of america fraud and tell them, so I did. I'm heavily in shock and having trouble even making sense but just had money I did not authorize or overlook a fee, my money was taken from my checking account which should not be touched by them at all, don't understand what's happening. I did not fill any details into the savings. Meaning they took info from my credit account, why was this money even taken. I know it's so remote that unless someone here helps I will not get it back, I don't know what to do and I need help so badly. This just happened this evening XXXX XXXX, happend right after I opened the savings account with XXXX XXXXXXXX XXXX the app. I am scared they will take more, will XXXX XXXX take all my money when it direct deposits and I will die? Is there no one who can help me? Do I have to plead to the public on social media? It's such a weird situation I have trouble how to answer some of these yes no questions because they don't really fit the situation. I don't know if someone could scam or if recent wifi troubles let people get info. But the bank should know it's the official merchant?

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 monetary relief
Consumer complaint received 2024-10-02 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: RI

Complaint narrative:
I am reaching out for your help concerning this misleading account reported on my credit report. This issue has caused damage to my reputation, and I need your intervention. Your mishandling of my credit report has left me feeling vulnerable, as this misinformation has destroyed my reputation. It is necessary to remove this incorrect information from my credit report.

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 2024-10-02 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: FL

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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