vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-14 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: TX

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-08-14 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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-08-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
On XX/XX/XXXX I purchased some items from XXXX with my XXXX  card for the amount of {$1100.00}. The same day my Bank of America card got hacked and they caught some suspicious transactions. This is where the confusion begins because XXXX charged by BOA card instead of XXXX. I wasnt aware of it. BOA called me and asked me if I recognized 3 charges, 1 of them being XXXX  charge. I said I didnt use my BOA for all 3 transactions. BOA filed fraud claim and refunded me the money back. But on the other hand XXXX told me XXXX  declined thats why they had to use backup payment method, which was BOA. As per XXXX advice I returned the items and withdrew the fraud claim. On XX/XX/XXXX I got an update from XXXX saying that, they refunded my {$1100.00} to my BOAs card. I checked with BOA because I didnt see it in my account they said it might take 4-5 days. I waited since when I didnt see any refund I went ahead and filed a dispute on XX/XX/XXXX. On XX/XX/XXXX I physically mailed them the proofs and on XX/XX/XXXX I uploaded the proofs. Since then I have talked back and forth with several agents. I can provide their id, names and dates. However after all that they denied my case. On XX/XX/XXXX I reappeared and they denied my case again. The reason for denial is : I did not claim within their required time frame. But this is not true. I filed in time, sent and uploaded all the proofs. However, each time I call they they say they see where the mistake happened and wait 45 days and I will get my money back. 45 days at a time has added up 9 months. This is when I got fed up and shared my story with XXXX, there someone told me about this website. I am here with high hopes. I have audio recordings of all those phone calls too. I have posed some of it in my XXXX account too. I spent {$39.00} to promote my video related to this topic on XXXX, which I wouldnt have had to make or promote if they had done the right thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I was contacted by XXXX XXXX, a Relationship Banker at Chase, who informed me about a new branch opening in my area and a promotional offer for a {$300.00} bonus if I opened a checking account and made a direct deposit. I expressed concern about qualifying for the bonus due to my lack of employment or social security income. XXXX assured me that a direct deposit from an existing checking or brokerage account would meet the requirements. 

Following his advice, I opened a checking account at the new Chase branch and made an ACH deposit from my XXXX XXXX account. When I did not receive the bonus, XXXX suggested I try another deposit from my brokerage account, which I confirmed was also an ACH deposit. Despite following his instructions, I did not receive the bonus. 

After multiple attempts to contact XXXX, I discovered he no longer worked at the branch. I spoke with XXXX, the branch manager, who informed me that my deposits did not qualify for the bonus. I explained that XXXX 's misleading information led me to open the account under false pretenses. XXXX apologized and said she would submit a complaint. 

Subsequently, I was contacted and apologized to, but felt that an apology was insufficient given the time, effort, and financial inconvenience I experienced. I also contacted Chases fraud department, which referred my case to a review committee but did not provide a timeline or guarantee of feedback. I believe I was misled into opening the account and am seeking compensation for my time and financial losses, beyond just an apology. 

**Emails Summary : ** - **XX/XX/2024** : XXXX  introduced himself and provided contact information.

- **XX/XX/2024** : I asked XXXX  to verify if my XXXX XXXX deposit was an ACH, as required for the bonus.

- **XX/XX/2024** : XXXX  confirmed he would follow up on the bonus.

- **XX/XX/2024** : XXXX  noted the XXXX XXXX deposit had not worked and would investigate.

- **XX/XX/2024** : I inquired about the status, and XXXX  advised waiting for the next Tuesday.

- **XX/XX/2024** : I notified XXXX  that the bonus still hadnt appeared.

- **XX/XX/2024** : Following XXXX  advice, I made an ACH deposit from my brokerage account but still did not receive the bonus.

- **XX/XX/2024** : I requested an update on the bonus, but did not receive a response from XXXX.

Thank you for your attention to this matter.

-- - Let me know if you need any more adjustments or additional details!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Prosper Marketplace, Inc.
State: NJ

Complaint narrative:
On XX/XX/year>, I was charged a {$29.00} late fee to my account ( which was late ). On Monday XX/XX/year>, at XXXX, I received the first call from Prosper LLC . I was at work and did not answer, but Prosper LLC left a message regarding the lateness of the account which was 5 days past due, and I had already been charged the late fee of {$29.00}. Then they called me again at at XXXX that same day, I did not speak with them. On Tuesday XX/XX/year>, I was called at XXXX, XXXX, and XXXX XXXX, and XXXX, and XXXX. I did not speak to them. Wednesday XX/XX/year>, I was called at XXXX, XXXX, and XXXX. I answered the last call ( I was on lunch break ), and informed them that they were in clear violation of the 7 and 7 rule and to stop harassing me. It is now XX/XX/year>, at XXXX and they have not called me again. That is 10 phone calls over a period of only 3 days.

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 2024-08-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I am disputing a collection account that has appeared inaccurately on my XXXX XXXX with both XXXX and XXXX. The original debt is tied to XXXX XXXX. 

I currently have an open and active account with XXXX, for which I am making regular monthly payments. See attached, I noticed a {$120.00} collection account listed under Radius Global Solutions on my XXXX report. Upon contacting XXXX, they confirmed that my account had never been sent to collections. 

However, as of today, this incorrect collection has now also appeared on my XXXX report, but for {$120.00}, and under a different XXXX XXXX. I do not understand why this error is continuing to occur, as my XXXX is current and has never been XXXX 

I have already reached out to XXXX, who again confirmed that my XXXX is in good standing. This collection account should not be on my XXXX XXXX as it is inaccurate and damaging to my XXXX XXXX. 

Please help resolve this issue by removing these collection entries from both my XXXX and XXXX credit reports.

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 2024-08-14 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: TX

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a XXXX XXXX XXXX can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no XXXX XXXX XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any XXXX XXXX XXXX if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
XX/XX/year>, XXXX : {$1000.00} Company never responded back to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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:
Subject : Request for XXXX XXXX XXXX - Compliance with XXXX XXXX Code XXXX and Other FCRA Provisions I am writing to you as the holder of account number XXXX XXXX  XXXX Account Number : XXXX XXXX for my XXXX XXXX, to report an issue negatively impacting my XXXX XXXX This issue appears to be in violation of the provisions of XXXX XXXX Code XXXX and other relevant sections of the Fair Credit Reporting Act ( FCRA ). According to XXXX XXXX XXXX XXXX, creditors must send periodic statements, including all information required by section XXXX ( b ), at least XXXX days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. Additionally, the FCRA, specifically sections XXXX XXXX Code XXXX and XXXX XXXX Code XXXX, mandates that XXXX XXXX XXXX and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. I have identified that the statements for my XXXX XXXX have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my XXXX XXXX. This non-compliance has adversely affected my XXXX XXXX Furthermore, I would like to refer to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which establishes that XXXX  must ensure timely delivery of statements to avoid unfair penalties to consumers. I formally request that you investigate and correct any inaccurate information related to these late payments on my XXXX XXXX. Below are the details of the affected payments : I am attaching a letter showing that the XXXX did not respond to me within the XXXX period, in which I formally request that detailed proof be provided to me regarding this specific item. '' [ per XXXX XXXX XXXX ( b ) ] which has been adopted to ensure that each periodic statement is mailed to me ( the consumer ) no later than XXXX days before the payment due date. Also include all information required by section XXXX ( b ) of XXXX XXXX. Date of reported late payment : XXXX / XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-08-14 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE XXXX XXXX STATED MY XXXX 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 XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A XXXX XXXX XXXX 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 2024-08-14 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: IL

Complaint narrative:
XXXX XXXX needs to be deleted from my XXXX XXXX 
They charged off the debt and sold the debt to XXXX XXXX XXXX By law of fdcpa, when a debt is charged off and sold, that means the consumer has no more obligation to the debt. They have refused to remove this and this is discrimination. This has XXXX XXXX my XXXX for the past few years, and i will sue the XXXX XXXX for damages if this is not removed in XXXX days! 

Please see attched letter below

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: IL

Complaint narrative:
XXXX XXXX needs to be deleted from my XXXX XXXX 
They charged off the debt and sold the debt to XXXX XXXX XXXX By law of fdcpa, when a debt is charged off and sold, that means the consumer has no more obligation to the debt. They have refused to remove this and this is discrimination. This has XXXX XXXX  my XXXX for the past few years, and i will sue the XXXX XXXX for damages if this is not removed in XXXX  days! 

Please see attched letter below

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 2024-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my XXXX XXXX  according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-08-14 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: WA

Complaint narrative:
Hello, I have reached out to Experian multiple times concerning several items they are reporting on my credit report. Despite sending multiple letters directly to Experian, I continue to receive emails from them stating that they do not believe the letters were sent by me. This is particularly frustrating, as I have clearly indicated in each letter that I am the sender. 

I am deeply concerned by what appears to be an attempt to disregard my rights. Given that their deadline has now exceeded 90 days, I respectfully request the immediate removal of the disputed items from my credit report. 

Thank you for your prompt attention to this matter.

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 2024-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my XXXX XXXXt according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-08-14 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:
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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief