vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES
State: CA

Complaint narrative:
I was not properly served. Default judgment been filed recently. Debt was transferred to a different servicer prior case filing. Charged off debt amount : {$15000.00}. Case number : XXXX. I've communicated with Zwicker and Associates, they are a debt collecting law firm. 

According to IRS guidelines under **IRC 166**, once a debt is deemed worthless, it should not continue to be collected. The continued collection efforts raise questions regarding the debts actual value. 

Failure to adhere to these guidelines could result in IRS violations, which may incur fines underIRC 6700.

IRC 6700 imposes penalties on individuals who promote abusive tax shelters or prepare false or misleading statements regarding the tax implications of a financial transaction. The fines can be significant : * A penalty of $ XXXX each improper promotion or representation made. 
* If the promoter is a corporation, the penalty increases to $ XXXX each violation. 


In accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically **15 U.S.C. 1692g**, I request validation of this debt, including : 1. Documentation proving the existence of the debt and its current balance.

2. Evidence showing that the debt has not been categorized as worthless for tax purposes.

3. The accounting financing statement related to this charge-off.

4. A copy of the original contract with my signature.

Additionally, under **15 U.S.C. 1692e** and **15 U.S.C. 1692f** I am entitled to request and obtain all information relevant to this debt, including any records of communications and transactions. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ), specifically XXXX*15 U.S.C. 1681b** and **15 U.S.C. 1681s-2**, I request that you cease any reporting of this account until proper validation is provided. 

I also wish to address your recent filing for default in court regarding this matter. Given the principles outlined in both the FDCPA and FCRA, I request that you dismiss any legal actions related to this account until proper validation is provided. 

If this debt is indeed considered worthless, I ask why collection efforts and legal proceedings are ongoing. I expect your response within 30 days and anticipate a resolution to this matter. 

Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: TN

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-09-20 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: TN

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Synovus Bank
State: VA

Complaint narrative:
This is not a complaint. Communication. Subject : Request to Maintain Account Status Dear, First Progress Card Corresponding Team I hope this message finds you well. This is XXXXXXXX XXXX and I am following up on my previous communication regarding my account. 

I called yesterday to confirm the receipt of my faxed documents, and a member of your customer service team indicated that the only valid document received was my driver 's license. I also received your letter this past Monday concerning the necessary documentation, and I promptly mailed my Social Security card on Tuesday. 

I am respectfully requesting that you do not close my account, as it has been in good standing for over a year. Closing this account would significantly impact my chances of securing a mortgage, which is a crucial goal for me. 

I want to clarify that this is not a complaint, but rather a sincere request for assistance, as I have been unable to find a contact number for your department. 

Thank you for your attention to this matter. I appreciate your understanding and support. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: CA

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-09-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/year> I filed disputes with Experian regarding inaccurate information being reported by the agency within my credit report by XXXX XXXX XXXX, which is a third-party collection agency. Both XXXX  and Experian have violated my consumer protection rights, as I have never opened the account mentioned ( Account # XXXX ) nor did I authorize anyone else to open this account on my behalf.

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 2024-09-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I XXXX XXXX, am submitting this complaint without any influence from a third party or agency. This notice is to inform you that you unlawfully reported unauthorized accounts on my consumer report that have violated my federally protected consumer rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15USC 1681b permissible purpose of consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offense amount to Aggravated Identify Theft pursuant to Title 18 USC 1028a. You have knowingly transferred, possessed or used without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years imprisonment, in addition to civil liability. You are also in violation of 15 USC 1692g. My written instructions are for you to delete this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$2300.00} XXXX  XXXX XXXX Balance : {$2600.00}

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 2024-09-20 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: PA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$2300.00} XXXX  XXXX XXXX Balance : {$2600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Dear CFPB, They are liars. I have all the documents here. 
No responses no investigations no calling me back. 

I am writing to file a **new complaint** against **Suncoast Credit Union** . Their response to my previous dispute is **completely unacceptable** and **inaccurate**. The claim that I authorized the disputed transactions is **impossible**. I have submitted a **police report** verifying that these transactions were **fraudulent**, and their refusal to acknowledge that only points to a serious **security breach** on their end. 

Suncoast has clearly failed to protect my account, and now they are attempting to **cover up their negligence** by blaming me for these fraudulent charges. Its clear that **someone else impersonated me**, and their lack of proper investigation has led to this **gross error**. I have been completely **defrauded** by the institution that was supposed to safeguard my money.

I can verify, without a doubt, that these transactions were **not conducted by me**. My police report, which they continue to ignore, proves this. Instead of addressing the actual issue, they have put my account into **negative standing**, which is causing even more financial harm. Suncoasts handling of this dispute has been **irresponsible**, and their lack of communication has only added to the stress. They **dont respond to my messages** and **ignore my calls**. 

This has gone far beyond a simple dispute. Suncoast is **defrauding me**, and I demand immediate action. They need to **credit my account today** for the {$1000.00} in fraudulent transactions. This situation is financially ruining me, and their failure to comply with **Regulation E** of the **Electronic Funds Transfer Act ( EFTA ) ** is unacceptable.

I expect **immediate intervention** to force Suncoast to return my funds and take responsibility for their security failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I signed up for an American Express business checking account with the expectation of receiving a XXXX point welcome bonus, as advertised. I successfully completed all the required steps to earn the bonus. 

My account dashboard confirms that I met all 3 requirements necessary to receive the XXXX points. 

However, it has now been several weeks, and I have yet to receive the welcome bonus. I have contacted American Express customer support numerous times, but I continue to get the run-around with no resolution or clear answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My information is being shared without my consent.

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 2024-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing a formal complaint against Chase Bank for improperly closing my account and denying me access to my funds, despite repeated inquiries. Here are the details of my issue : On [ insert date ], Chase Bank funded my account with a provisional credit following a dispute. I informed Chase Bank that I had a car payment due on the XXXX of this month and needed access to my funds. Chase Bank advised me to visit a branch ATM to withdraw the funds. I did so, successfully making a withdrawal. 

Shortly after, I attempted to make a XXXX transaction, only to discover that my account had been closed, and the remaining {$2000.00} in my account was frozen. I immediately contacted Chase Bank and repeatedly asked for an explanation regarding the closure of my account and when I could expect access to my remaining funds. Unfortunately, Chase Bank has provided no clear answers and continues to withhold my money. 

This situation is causing significant financial strain, as I am unable to access the funds I need for urgent payments, including my car payment. Chase Bank 's actions appear to be in violation of consumer protection regulations, specifically those related to fair access to funds and transparency in account actions. 

I am seeking immediate assistance from the CFPB to have Chase Bank release the {$2000.00} currently held in my account and to provide a clear justification for the account closure. The lack of response and cooperation from Chase Bank is unacceptable, and I believe their actions are unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: NJ

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. 

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer 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 2024-09-20 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: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-09-20 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: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 



XXXX XXXX XXXX XXXXXXXX {$10000.00} XXXX XXXX {$7900.00} XXXX XXXX {$0.00}

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