vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
Portfolio recovery has been harassing me, they refused to send the contracts I supposedly signed and theyve been calling me after I told them not too, which violates federal debt collection practices!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sezzle Inc.
State: PA

Complaint narrative:
I had a pay as you go Sezzle account, its just like XXXX  No different. They are now somehow reporting on my XXXX credit report. I did NOT agree to have a pay as you go company report to my credit. They do not check your credit upon sign up, XXXX doesnt. They do not charge you interest. Nothing about them is like having a credit card etc. I have never ever given them my banking info, they say if you sign up for Sezzle up it requires a bank account? I do not have any bank account within my Sezzle. I do not and will not have a pay as you go pay in 4 type of situation on my credit report or credit monitoring. This is UNFAIR. XXXX does not report to the credit bureaus, it would be ridiculous if they did. They arent giving me a line of credit Im buying this stuff with my OWN money. There is NO interest and a payment is made every 2 weeks. Regardless. I do NOT give them any permission to report to the credit bureaus on my behalf and I want it removed immediatelyXXXX XXXX  doesnt even report to credit bureaus unless you use their financing options. Sezzle has financing options and I have NEVER used them. I use the pay in 4 every 2 weeks. I refuse to have this on my report.. they are ruining my credit using and reporting incorrectly since I DO NOT EVER AND WILL NOT EVER GIVE THEM PERMISSION TO. I will fight this til the end. I have many credit cards all paid on time every month usually always in full. I do not give Sezzle any permissions to report my usage with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
Ok so I recently discovered my identity was stolen and reached out to this collection company over XXXX times and told them it's not my account and it was opened fraudulent without my permission. They continue to report to credit bureau that's it's my account and not trying to remove. I reached out to the original creditor which is progressive insurance and spoke with the head of the fraud department and after there investigation they did find what I was saying was the truth and even wrote me a letter stating thus was fraud and needs to be removed from my name and credit report but the collection company won't listen to anything I've said and I've even sent them copies from progressive and still I get nowhere

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute several accounts on my credit report that contain inaccurate and unverified information. As a result of these errors, my credit score has been significantly impacted, making it difficult for me to obtain financing or credit when needed. 

I have made multiple attempts to address these inaccuracies with the creditors and the credit reporting agencies, but they have failed to correct the errors. Therefore, I am now escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) to help enforce my legal rights and protect my credit. 

One particular account I want to highlight is the XXXX XXXX account, which was closed in 2017. According to my credit report, it was charged off and has since been sent to a collections agency. However, to the best of my knowledge, this account was never paid late, and I have not received any notice of it being sent to collections. This reporting is completely inaccurate and is ruining my credit. I demand that you update this account and delete the inaccurate information immediately. 

Another account that I dispute is the XXXX XXXX account. This account has been reported as unpaid, despite my records showing that it was paid in full and closed years ago. This incorrect reporting is damaging my credit, and I demand that you update this account and delete the inaccurate information immediately. 

In addition to these accounts, I dispute several others that I have no recollection of even belonging to me, such as the XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX accounts. I demand that you remove these frivolous accounts immediately from my credit report. 

Furthermore, there are several unauthorized inquiries on my credit report, such as XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I demand that you remove these inquiries from my credit report as they have reached the statute of limitations and were not authorized by me. 

Finally, I want to share a personal story of how these inaccuracies have affected my life. Due to the inaccurate reporting on my credit report, I have been denied credit and financing opportunities that I needed to take care of my family and business. This has caused me a great deal of emotional and financial stress, and I am at my wit 's end with the constant battle to get these errors corrected. 

Therefore, I demand that you take immediate action to update and delete the inaccurate information on my credit report, specifically for the accounts mentioned above. I am prepared to pursue legal action if necessary to enforce my legal rights and protect my credit. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the information contained in my credit report, which I believe violates several federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). 

Specifically, I am disputing the following items on my credit report : Account Number : XXXX - I have no recollection of ever having an account with this number. As such, I believe it is a frivolous account and must be removed from my credit report immediately, in accordance with the FCRA. 

Personal Information - The name " XXXX XXXX '' is not my name, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Former Name- The former name " XXXX XXXX '' is not my name, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Previous Address - The previous address of " XXXX XXXX XXXX XXXX XXXX XXXX '' is not correct, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Previous Address - The previous address of " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX '' is not correct, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Previous Address - The previous address of " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' is not correct, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Previous Address - The previous address of " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX '' is not correct, and I request that it be deleted from my report immediately in accordance with the FCRA. 

Unauthorized Inquiry- I have no recollection of authorizing the credit pull by " XXXX '' on XX/XX/, and I demand that it be removed from my report immediately, in accordance with the FCRA. 

Incorrect Personal Information - The former name " XXXX XXXX '' and " XXXX XXXX XXXX '' belong to someone else and must be deleted from my report immediately, in accordance with the FCRA. 

Incorrect Address - The address " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' belongs to someone else and must be deleted from my report immediately, in accordance with the FCRA. 

Furthermore, I believe that the above items violate other federal laws, including the FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA, and I demand that you take corrective action in accordance with those laws. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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 explanation
Consumer complaint received 2023-03-25 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: TX

Complaint narrative:
Since I opened a Bank of America checking account for my mother Fall 2022, every other transaction I have made on her behalf has been flagged and the account has been restricted over 50 times. 
When I added myself as POA, my sister had my mother remove it but she only did so under duress. The bank is now using this as an excuse to continually restrict the account. My mother has short-term memory loss and forgot that she even signed the document. She needs my help. Now that I added myself as co-owner, the funds have been frozen ( {$4400.00} ), an investigation launched and XXXX XXXX XXXX were called. We moved {$35000.00} from the account to a different bank because BOFA kept freezing funds and restricting access. This has caused my mother excessive late fees and NSF charges in the thousands. 
BOFA asked me for proof that I pay my mothers bills, but it shows it on the ledger as clear as day. 
My mother needs access to her funds. She has told staff in the banking center on several occasions that she had given full consent to me accessing the account for any need. However, the staff continues to ignore this. She is not incompetent. There is no need to her freeze funds or investigate us for financial abuse.

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 2023-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: FL

Complaint narrative:
I do not think that the way Discover card is calculating and charging me interest is correct. At best, their monthly statements are misleading and do not give consumers a clear indication of how much they need to pay to be able to avoid interest fees. I have some 0 % interest balance transfers on the card, and then I also use it for regular purchases each month. Each month I pay as much or more than my purchase amount so that I can avoid interest charges and pay down the 0 % balance transfer. However, I keep getting hit with interest charges regardless of how much I pay. It's as if they're charging me interest for my purchases from the day that I make the purchase rather than giving me the standard 30 days to pay off the balance. 

I have called numerous times trying to seek clarity on this issue. Last month, I even called and asked directly " how much do I need to pay you this month so that I will not be assessed interest charges? '' I then sent in MORE than I was told to pay and yet was still assessed interest charges. 

No one at Discover that I have talked with has been able to adequately explain this to me. This month when I called and asked the same question as above, I was told " we're actually not supposed to tell you that amount over the phone. '' So I just want someone else to take a look to make sure that the way they're assessing me is legit and that this is being clearly communicated, because I am a college-educated, literate person and am still not able to figure this out. I am attaching my statements for the past year so that you can review them. Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I received and paid a bill for {$30.00} from XXXX for service on XX/XX/XXXX. They showed me what I would be paying up front as part of the no surprises act of XX/XX/XXXX as being {$30.00} but then charged my credit card ( which I had removed from my file so they had no authorization to still have my credit card information or to charge it ) on XX/XX/XXXX for {$160.00} and will not tell me what for, show me the itemized bill, or the proof from insurance they claim gave them the amount. They have provided nothing and since it was already charged and not submitted to me as a bill they won't respond since they already have their money and Discover won't do anything about it since I had already agreed to paying them the {$30.00} they consider that I authorized any future charges they may put on the card to be legitimate as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to file a dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ). These creditors have reported inaccurate information related to my credit history, which has significantly affected my financial well-being and credit score. I request that the Consumer Financial Protection Bureau ( CFPB ) enforces legal action against them. 

Firstly, XXXXXXXX XXXX XXXX and US SM BUS ADMIN ODA have both performed unauthorized inquiries that are beyond the statute of limitations. This is a clear violation of the FCRA. 

XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX and XXXX have all reported inaccurate information related to late payments, which affects my credit score. This has caused significant financial hardship for me, as it has impacted my ability to obtain loans or credit. 

Furthermore, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXXXXXX XXXX have all reported frivolous accounts that I have no association with. This is a serious violation of the FCRA and has caused me great emotional distress, as I have had to deal with the repercussions of these false reports. 

As a result of these violations, I have been denied credit, had higher interest rates imposed on me, and have experienced difficulties in obtaining insurance and housing. This has had a significant impact on my life, causing me undue stress and hardship. 

Therefore, I request that the creditors in question remove these unverified collection accounts from my credit report immediately. I also ask that the CFPB takes appropriate action to enforce the FCRA and protect consumers from such unlawful practices in the future. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to file a dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ). These creditors have reported inaccurate information related to my credit history, which has significantly affected my financial well-being and credit score. I request that the Consumer Financial Protection Bureau ( CFPB ) enforces legal action against them. 

Firstly, XXXXXXXX XXXX XXXX and US SM BUS ADMIN ODA have both performed unauthorized inquiries that are beyond the statute of limitations. This is a clear violation of the FCRA. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX have all reported inaccurate information related to late payments, which affects my credit score. This has caused significant financial hardship for me, as it has impacted my ability to obtain loans or credit. 

Furthermore, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXXXXXX XXXX have all reported frivolous accounts that I have no association with. This is a serious violation of the FCRA and has caused me great emotional distress, as I have had to deal with the repercussions of these false reports. 

As a result of these violations, I have been denied credit, had higher interest rates imposed on me, and have experienced difficulties in obtaining insurance and housing. This has had a significant impact on my life, causing me undue stress and hardship. 

Therefore, I request that the creditors in question remove these unverified collection accounts from my credit report immediately. I also ask that the CFPB takes appropriate action to enforce the FCRA and protect consumers from such unlawful practices in the future. 

Thank you for your attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute the inaccurate and unverified collection accounts that have been reported by XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX on my credit report. I believe that these creditors have violated the Fair Credit Reporting Act ( FCRA ) by failing to provide accurate information to the credit reporting agencies. 

I am deeply affected by these inaccuracies, and it has caused significant harm to my credit history and financial well-being. These incorrect entries have made it difficult for me to obtain credit or loans and have caused unnecessary stress and anxiety in my life. Despite my repeated attempts to resolve these issues with the creditors, they have failed to take any corrective action. 

I request the Consumer Financial Protection Bureau ( CFPB ) to enforce the legal protections that are in place to ensure that creditors report accurate information to the credit reporting agencies. It is essential that the creditors comply with the FCRA, which requires them to provide accurate information and investigate any disputes raised by consumers. 

I urge the CFPB to investigate these violations and take appropriate action against these creditors. I also request that the creditors remove these unverified collection accounts from my credit report, as they have no basis in fact. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX, XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 explanation
Consumer complaint received 2023-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX, Acct. # XXXX is OBSOLETE. 

Delete this account IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Paid the bogus debt -- -requested refund -- creditor rejected my claim

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