vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bounce AI, Inc.
State: TN

Complaint narrative:
RE : account name : BOUNCE AI INC Address of creditor/collection agency XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX number XXXX XXXX XXXX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$640.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond- ing local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) 48 Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: IL

Complaint narrative:
Ive provided proof of my identity being stolen and compromised by fraudsters, my police report, my FTC report, court documents, with my proof of identification documentation, and my address verification to this company to prove my identity, and innocence. This company continues to support fraud by illegally furnishing incorrect and fraudulent information on my credit report that Is against my rights. This company has violated my consumer rights entirely. This company did not protect me, and my information. This is the XXXX notice Ive sent to this company, and this company continues to ignore my rights as a consumer and furnish fraudulent inaccurate accounts and addresses on my credit report. This company also committed fraud along with the perpetrators by violating my rights. I as a consumer should have my rights under the FAIR CREDIT REPORTING ACT RESPECTED, PROTECTED, AND INFORECED TO KEEP ME SAFE AS A CONSUMER. AFTER THIS XXXX NOTICE, WITHIN 14 DAYS I WILL BE FILING A MOTION TO SUE THIS COMPANY FOR PAIN AND SUFFERING AND MY RIGHTS BEING VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE PATIENTLY GIVEN THIS COMPANY MORE THAN 30 DAYS TO VERIFY THESE FRAUDULENT ACCOUNTS, AND REMOVE THEM, BUT THESE FRAUDLENT ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS SHOULD BE REMOVED IMMEDIATELY, BUT THIS COMPANY CHOSE TO VIOLATE MY RIGHTS, AND NOT HONOR MY IDENTITY THEFT CLAIM. IVE TAKEN XXXX  MONTHS TO GO TO A POLICE DEPARTMENT AND FILE A POLICE REPORT, SEND LETTERS TO THIS COMPANY CONSTANTLY REGARDING THESE FRAUDULENT ACCOUNTS AND THIS COMPANY IS NOT HONORING MY RIGHTS AS A CONSUMER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: IL

Complaint narrative:
Ive provided proof of my identity being stolen and compromised by fraudsters, my police report, my FTC report, court documents, with my proof of identification documentation, and my address verification to this company to prove my identity, and innocence. This company continues to support fraud by illegally furnishing incorrect and fraudulent information on my credit report that Is against my rights. This company has violated my consumer rights entirely. This company did not protect me, and my information. This is the XXXX notice Ive sent to this company, and this company continues to ignore my rights as a consumer and furnish fraudulent inaccurate accounts and addresses on my credit report. This company also committed fraud along with the perpetrators by violating my rights. I as a consumer should have my rights under the FAIR CREDIT REPORTING ACT RESPECTED, PROTECTED, AND INFORECED TO KEEP ME SAFE AS A CONSUMER. AFTER THIS XXXX NOTICE, WITHIN 14 DAYS I WILL BE FILING A MOTION TO SUE THIS COMPANY FOR PAIN AND SUFFERING AND MY RIGHTS BEING VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE PATIENTLY GIVEN THIS COMPANY MORE THAN 30 DAYS TO VERIFY THESE FRAUDULENT ACCOUNTS, AND REMOVE THEM, BUT THESE FRAUDLENT ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS SHOULD BE REMOVED IMMEDIATELY, BUT THIS COMPANY CHOSE TO VIOLATE MY RIGHTS, AND NOT HONOR MY IDENTITY THEFT CLAIM. IVE TAKEN XXXX  MONTHS TO GO TO A POLICE DEPARTMENT AND FILE A POLICE REPORT, SEND LETTERS TO THIS COMPANY CONSTANTLY REGARDING THESE FRAUDULENT ACCOUNTS AND THIS COMPANY IS NOT HONORING MY RIGHTS 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 explanation
Consumer complaint received 2024-09-04 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX To Whom It May Concern, I received a copy of my XXXX record and I have found several inaccuracies in the report. 
Inaccurate Reported Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, is not mine and i was never associated with this address. 
Inaccurate Reported OVERDRAFT from SUNTRUST BANK ; XXXX XXXX XXXX, XXXX, VA XXXX, is not mine and i was never associated with this bank account. 
Inaccurate Reported XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXXXXXX XXXX  In detail, you recorded that I had non-sufficient funds with SUNTRUST BANK on or around XX/XX/year>. I am disputing this record because I believe it to be inaccurate because I am a victim of identity theft. Please request evidence of this unresolved outstanding negative record from SUNTRUST BANK and investigate this item for me. 
I understand that your repository is required by law to begin an investigation for me because you are a credit-reporting agency and must follow the Fair Credit Reporting Act. I await your results. 
Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX ss # 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 2024-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I had my PayPal account information posted deliberately online by PayPal and had my account hacked I have already reported PayPal to American authorities for breach of privacy laws. Now I have someone supposedly from American authorities trying to get me to pay to get a delivery person stopped by customs supposedly on his way here. I have had it with all the crap I'm getting. I want it sorted out today .... today.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
My credit score has dropped over XXXX points for the 2nd consecutive month in a row then it got fixed in or around XX/XX/year> them on XXXX I get a notification that my score dropped XXXX points again yet I have no negative information or collections or anything and this effecting my finances and life tremendously while there is false information being reported and my score keeps dropping XXXX points then spiked back up then dropped again this is ridiculous and its truly affecting my family and my life and my current financial situation and this needs to be fixed immediately

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 2024-09-04 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint regarding inaccurate late payment information reported by XXXX on my credit report. The late payments in question were marked on the following account ( s ) on the respective date ( s ) : LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX Under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), it is my understanding that my consumer report should not contain information related solely to transactions or experiences between myself, the consumer, and the person or entity providing the report. The inclusion of late payments as part of my payment history negatively impacts my consumer report, and I believe this is in direct violation of the aforementioned statute. Additionally, I am requesting that XXXX XXXX XXXX provide, in writing, the reasonable procedures it has adopted to ensure that each periodic statement is mailed to me no later than 21 days before the payment due date, as required under 15 USC 1666 ( b ). This should also include all information mandated by 15 USC 1637 ( b ). Per the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide me with the requested information. If the information is not provided within this timeframe, I will assume that you are unable to verify the accuracy of the late payments listed above, and I request that these late payments be removed from my account and consumer report with all relevant consumer reporting agencies, including but not limited to Equifax, XXXX, and XXXX. 
Please ensure that any corrections made to my account are forwarded to my address as listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my account standing. 
Thank you for your time and consideration. I look forward to a positive response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I recently deposited an inheritance check I received from the estate of my grandfather. I was told the funds would be held for up to 10 days, which I expected. The following day ( Saturday, XX/XX/XXXX ) I received an emailed alert from Chase that to " help protect against fraud, we restricted and may need to close your account soon, '' and provided a contact phone number. I did try at that time to reach out but after being on hold for XXXX minutes I had to hang up. I called again today, XX/XX/year>, as I received a second notification that my account was restricted and may be closed. When I called and got through to the correct person to handle my account, they questioned me about the " business '' that issued the funds and that they had to verify the business. I explained that there was no business, that this was coming from an account set up to handle outstanding bills for the estate. They repeated that they needed to verify with the business and did I have a phone number to reach them. I offered the phone number of the executor of the estate which is who signed the check and of course they could not verify this number as belonging to a business. I explained again there was no business involved and asked why they were not contacting the bank the check was written from ( XXXX XXXX XXXX XXXX ) and I was told they could not contact the bank and must have the business that the account belonged to. We went back and forth multiple times with me explaining I could not give them what they were asking for because it does not exist. I was told they could not release my account and my funds at this time and I was told to call back on XX/XX/year> to " try again. '' XX/XX/XXXX is the 10-day mark. I asked what the difference is between dealing with this today or on the XXXX and he could not give me an answer. XXXX XXXX to all this is that my entire checking account is frozen and not just the funds I tried to deposit. I was so frustrated during the phone call that I did not ask why it was legal for them to freeze my existing funds that have nothing to do with the deposit I made. I am now unable to make any bill payments while this is ongoing as my account is " restricted '' and my debit card was listed as a closed account ( which I discovered when I first tried calling on XX/XX/year>, however I am still able to log in online to my bank account and see my balance and the pending deposit ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: TX

Complaint narrative:
XXXX  Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate 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 non-monetary relief
Consumer complaint received 2024-09-04 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America reported incorrect information on my credit report. It was due to their own internal system issues and even though they admitted to that, they have not fixed the situation or reported the correct information to the credit reporting agencies. 

I have always had AutoPay set up to a bank account on my credit card. Bank of America said they accidentally stopped that program on my card and removed any bank account connections to pay the credit card bill. They also refused to notify me of amounts due. When calling to pay off the balance and set up Auto Pay again, they admitted it was a system mistake on their end. I had to request to another support number to have it corrected and the late payment removed from my credit report, since it was the fault of Bank of America systems. They have refused to take this action.

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 2024-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
DeaXXXX XXXX XXXX XXXX I hope this message finds you well. My name is XXXX XXXX, and I am writing to file a formal complaint against XXXX XXXX XXXX, where I purchased my car in XXXX. My XXXX account number is XXXX, and my VIN is XXXX. 

At the time of purchase, the dealer persuaded me to buy a third-party insurance without directly told me the total cost of that issurance, assuring me that a full refund would be granted if I canceled within one month. I have an email chain that confirms this promise. However, after canceling the insurance within the specified period, I have encountered significant delays and poor customer service in obtaining my refund. 

Despite canceling the insurance within the stipulated period, I have yet to receive my refund after eight months. I waited three months for the initial processing time they quoted ( 8-12 weeks ) but received no response to my inquiries. When I called, I was told the dealership was under new ownership, though XXXX XXXX, who handled my finance, was still there and assured me the refund was processed. 

I was then given a different contact number for another dealership location. After being transferred several times, a representative promised the refund check would be sent to XXXX within XXXXhree days, with the balance reflecting on my account within two weeks. This was in XXXX, and despite waiting another month, there was no update. I was informed that the check was never delivered and that a new one would be sent. Another 30 days passed with no change in my account. 

It has now been eight months since I initially requested the refund, and I am concerned that this may be a broader issue affecting other customers and potentially indicative of deceptive practices. I request your assistance in resolving this matter and ensuring that XXXX XXXX adheres to ethical standards and promptly processes refunds. 

Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation