vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
Early Warning XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear sir, I have received two letters prepared on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Also, I received a large envelop which have the banking information of private nature and a letter on concern with XXXX XXXX. You have notified me that the furnisher of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has modified the information of banking account relating it. Upon the reviewing it, I do not recognize the account ending XXXX of XXXX XXXX XXXX relating with me. I mean I do not have that account which closed in XXXX. I have one personal account which still open for years before the Pandemic. Also, I have one joint account shared with my husband, which is not included in your list of data.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently received a notice from my bank stating that a collection had been placed on my account. I tried to check my credit report on Equifax and XXXX but the system was unable to provide me with a report. I attempted to dispute the collection with XXXX XXXX, on the Equifax website but their system also would not allow me to do so. I called Equifax customer service to request my credit report, and to review the report with an agent but they informed me the collection was not placed on my account. I assured the agent that I did not have a contract with the XXXX XXXX collections company and that I did not owe them any debt. I also mentioned that the original creditor was paid before this collection was placed on my credit report. I was transferred to another department, and the representative confirmed that the XXXX XXXX XXXX is indeed listed on my credit report as a collection agent. I requested to have the report disputed and was told they would try to do so. I expressed my concerns about my credit report, as the collection has reduced my credit score by XXXX points and is affecting my car loan application status and a job application with an elementary school. I also contacted XXXX to have this correction removed from my credit report. I am also in the process of purchasing my leased vehicle, which is due to be returned to the dealership by the end of this month. The collection and the severe drop in my credit score have negatively affected my financial status and will cause some undue hardship if I am not able to get a vehicle to go to work. If I am unable to apply for a car loan, I will be left without a vehicle. This was was previousely paid to XXXX XXXX company in the amount of over {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2024-05-29 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: MA

Complaint narrative:
I REVIEWED MY CONSUMER CREDIT REPORT AND NOTICE THAT I HAD SEVEN ( 7 ) LATE PAYMENTS ON AN ACCOUNT THAT I NEVER WAS LATE LIKE MY OTHERS ACCOUNTS AND THE CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF THEY'RE ABILITY WHIT MAXIMUM ACCURACY, I HAVE NEVER BEEN LATE ON PAYMENTS FOR THE ACCOUNT ( NAME : XXXX XXXX ) ( XXXX ) PLEASE INVESTIGATE AND PROVIDE ALL PROOF WHIT STATEMENTS SHOWING THAT THOSE PAYMENTS WERE LATE. IF THE PROOF CAN'T BE PROVIDED, I DEMAND THESE PAYMENTS BE UPDATED TO ON TIME AS THEY SHOUD BE AS I WAS NEVER LATE. 

THANKS

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 2024-05-29 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: FL

Complaint narrative:
Please know I ran my credit for the first time and noticed accounts and inquiries that are not mine, I need help in removing all these negative account from my account. 

XXXX XXXX XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies please delete XXXX XXXX XXXXXXXX - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies please delete XXXX XXXX XXXXXXXX - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies please delete XXXX XXXX XXXX XXXXXXXX - 15 U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE XXXX XXXX XXXX XXXX XXXX - 15 U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE XXXX XXXX XXXX XXXX XXXXXXXX - 15 U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE INQUIRY - XXXX XXXX XX/XX/year>- NOT MINE INQUIRY - XXXX XXXX XXXXXX/XX/year>- NOT MINE. 
INQUIRY - XXXX XXXXXX/XX/year> - NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
My name is XXXX XXXX, and I am writing to file a formal complaint against CREDENCE RESOURCE MANAGEMENT regarding their collection practices related to an alleged debt, which I believe are in violation of several consumer protection laws, specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681s-2 ( 7 ) ( A ).

Collection Agency : CREDENCE RESOURCE MANAGEMENT Account Number : XXXX Account Opened : XX/XX/XXXX Amount of Debt : {$200.00} Violations : Credence Resource Management is attempting to collect a debt without providing any proof of the debt 's legitimacy. I have been living in XXXX, TX since XXXX, but their records indicate that a XXXX XXXX  account was opened in XXXX in a different city where I was not living. This raises serious concerns about the accuracy and validity of the debt they are trying to collect. 

1. 12 CFR 1006.34 ( b ) ( 5 ) : Credence Resource Management has failed to provide clear and accurate information about the consumer 's right to dispute the debt within the required timeframe. The initial communication did not adequately inform me of my rights to request verification of the debt. 

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : The collection notice sent by Credence Resource Management did not include the name and address of the original creditor, which is a requirement under this provision. This omission has left me unable to verify the authenticity of the debt.

3. 12 CFR 1006.34 ( d ) : The information provided in the collection communication was overshadowed and was inconsistent with my rights to dispute the debt or request the name and address of the original creditor. This caused confusion and concern about my legal rights and the validity of the debt. 

4. 15 USC 1681s-2 ( 7 ) ( A ) : Credence Resource Management has not ensured the accuracy and completeness of the information reported to the credit bureaus. They continue to report inaccurate and unverifiable information, which has negatively impacted my credit report and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 

Inquiry Information : Inquiring Company : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX XXXX Date of Inquiry : XX/XX/XXXX These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding the practices XXXX which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. 

Upon reviewing my credit report provided, I discovered several inaccuracies and discrepancies that have had a detrimental impact on my financial standing and personal well-being. These discrepancies include inaccuracies, such as erroneous account information, incorrect payment history, and unauthorized inquiries. 

I would like to draw your attention to the following sections of the FCRA, which I believe XXXX has violated : 15 U.S.C. 1681e - Accuracy of Information : XXXX is required to maintain reasonable procedures to ensure the accuracy of consumer information in your files. The inaccuracies present in my credit report demonstrate a failure to fulfill this obligation, resulting in adverse consequences for me. 
15 U.S.C. 1681i - Duties of Furnishers of Information Upon Notice of Dispute : Upon receiving notice of a dispute regarding the accuracy of information provided by a consumer reporting agency, the agency must conduct a reasonable investigation to determine the accuracy of the disputed information. Despite my previous attempts to dispute the inaccuracies in my credit report, XXXX has failed to conduct a thorough investigation and correct the errors. 
15 U.S.C. 1681g - Disclosures to Consumers : XXXX is required to provide consumers with access to their credit reports and disclose the information contained therein. However, the inaccuracies in my credit report suggest that XXXX has failed to provide me with complete and accurate disclosures as mandated by the FCRA. 
I demanded that XXXX take immediate action to rectify the inaccuracies in my credit report in accordance with the FCRA. This includes conducting a thorough investigation into the disputed information, correcting any inaccuracies, and providing me with a revised credit report reflecting the accurate information. 

Furthermore, I requested that XXXX provide me with a written explanation detailing the steps taken to address my complaint and prevent similar issues from occurring in the future. 

Failure to comply with the provisions of the FCRA may result in legal action being taken against XXXX I trust that they will take this matter seriously and promptly address my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Arcadia Holdings, LLC
State: OH

Complaint narrative:
AR XXXX XXXX ( XXXX ) XXXX contacted me on XX/XX/XXXX about a debt I supposedly owe in XXXX from a company I do not remember using. She told me its was for a {$500.00} loan but with interest and penalties it was over {$2000.00}. They will settle for {$310.00}. I asked for them to send me documents about the debt and what company this was from and she told me she could not. I had to settle now and if not it would go on my credit report and expect a summons to court in XXXX business days. She said her supervisor told her she cant give that information out. Then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: PA

Complaint narrative:
XXXX XXXX XXXX charged my account {$4700.00} and never delivered a product. XXXX XXXX is the owners name and he called my very hateful words such as XXXX and XXXX I contacted pnc bank and they informed me because it was a debit card transaction they can't do anything eventhough that was the last of my money that I need. They informed me I don't qualify for the protections because it was a debit and not credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: DE

Complaint narrative:
This is my second formal complaint for this agency to fix incomplete and inaccurate information on my consumer report. I submitted my request last month and they provided me a stall letter stating this is not me and I enclosed all my identification. ID and Proof of address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
To Whom it May Concern : Attached is a recap of the events leading up to the return of the XXXX XXXX XXXX device purchased on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
The XXXX XXXX device was sold to myself as a XXXX XXXX device that would help treat my XXXX XXXX XXXX on my body, specifically my XXXX XXXX. It was also sold under the pretense that I could get reimbursed the monies for the device ; if not full reimbursement, partial reimbursement from my medical insurance ( since this was a XXXX XXXX device ). When I received the device at my home, I was surprised once opened, that it appeared to be a used device. There were fingerprints all over the device, box had been opened and re-taped. Clearly, this was not a new XXXX XXXX device. Also, I had asked at the time of purchase, that I did not want to purchase something that was made in XXXX? They assured me that wasnt the case. MADE IN XXXX was the first thing I saw while opening. I proceeded to take it to XXXX of my doctors offices and asked if it was a XXXX XXXX device that would help treat my XXXX XXXX, both doctors let me know that it would do nothing in the treatment of XXXX XXXX. I then contacted my medical insurance and was notified that absolutely nothing would be reimbursed for the device since it was not a XXXX XXXX device. Therefore, my next step was to return the device along with the products they had given me at the time of purchase. The sale was based on fraudulent claims that were untrue. I returned the XXXX XXXX  device and all of the products that were given to me on XX/XX/year> via XXXX XXXX. It was received, accepted and signed for on XX/XX/year> by XXXX. 
American Express was notified to retract the {$13000.00} charge ( which they did ) ; however, the company charged my card again. American Express has retracted the charge for a second time and asked that I give an accounting of what took place with any paperwork I might have. This is the true accounting of what took place. Attached are photos of the device ( when delivered ), a copy of the details of when the delivery of the returned items were received, accepted and signed for and the original receipt. 
Thank you so much for your attention to this matter. If there are any questions, please do not hesitate to contact the undersigned. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items in there to be inaccurate. I Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general it, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : I have several names, addresses, phone numbers and EMPLOYMENT that are incorrect.

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items in there to be inaccurate. I Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general it, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : I have several names, addresses, phone numbers and EMPLOYMENT that are incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: CA

Complaint narrative:
In the week of XX/XX/year>, I logged into my https : //app.juno.finance account and saw a message that " Cash services are temporarily unavailable due to issues with our banking service provider. '' Looking through their help articles and chat they said that ACH services are not available. 

I just want to withdraw my remaining cash deposits, and after that close my account. 

I messaged support on XX/XX/year> asking if closing my account would allow withdrawal of my money, and in what timeframe. I do not require ACH, a paper check to my address on file would be enough. 

Later that day I received a response : " Please be informed that closure requests can not be processed at the moment due to ongoing interruptions in our services. As a result, account closure requests are temporarily suspended. While we actively collaborate with our banking services provider to restore these services, we understand the frustration this situation may cause. 

Currently, we won't be able to send you your funds. I apologize for any inconvenience. '' I don't find this acceptable ... these are cash deposits in a bank account ( FDIC insured per Juno ), and not, for example, crypto that need to be sold. 

I just want to withdraw my remaining cash.

Company response to consumer: Closed with explanation