vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed unauthorized inquiries and/or fraudulent accounts opened in my name. I'm writing to inform you that, according to the Fair Credit Reporting Act ( FCRA ), these unverified and unauthorized items must be removed from my report. I request that you investigate and correct this information immediately, as the FCRA legally requires the removal of such inaccurate and fraudulent data. Please take prompt action to rectify this situation and protect my credit integrity.

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 2024-05-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2019, XXXX XXXX XXXX XXXX placed a collection on my account for {$5400.00} - I have never done business with the original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  they have linked this debt to my name that does not belong to me, tthis is not my debt a. I continue to be harassed by different debt collectors on a monthly basis for a debt that is not mine which is extremely illegal according to the following laws XXXX XXXX Code XXXX - Acquisition of location information XXXX XXXX Code XXXX - Communication in connection with debt collection XXXX XXXX Code XXXX - Harassment or abuse. My information continues to be sold & shared illegally which is a violation of my right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I had PayPal credit. I missed a few payments in XXXX due to XXXX struggles. I set up a payment plan for XXXX months. It was on auto-pay monthly. Once I started doing well, I opted to stop the payment plan. I received an email confirming the payment plan was stopped/canceled. After a few months, I began to default again and called in to initiate a new payment plan. We did so over the phone and set up auto-pay. I thought PayPal credit was taking my money monthly, per our agreement and per the AUTO PAY. Yet, I started to receive notification stating no payment was made for months and my account was going to collection. When I called in to XXXX, they stated my payment plan was canceled/closed. When I asked who canceled the payment plan, they couldnt verify who closed it. I had proof I didnt close it because I wouldve received a confirmation email of me stopping the payment schedule, as I did with the first payment plan mentioned earlier. They informed me they would transfer me, get a supervisor but never did. I have called, emailed, and faxed a total of XXXX times since then and have asked for call-backs but no one has called me back. No one has emailed me back either. No one has been able to tell me why the payment plan was closed prematurely. I believe they are attempting to avoid accountability by not truly responding to me. I didnt close or stop my autopay, so my payments shouldve been going through fine AND thus, this shouldnt be in collections. At this point, I need a written explanation/response and exact dates of what occurred. And once we confirm I didnt close or stop my autopay, then this needs to be removed from 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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I did a bill payment from Chase Bank to XXXX bank in which my credit card number was incomplete still the transaction was done. After I realized my mistake, I contacted both of the banks and claimed a dispute from Chase Bank which was unsuccessful. I tried contacting XXXX and XXXX bank XXXX XXXX and XXXX said that as the account number I entered doesn't exist they can't do anything even after providing a proof of payment and Chase bank said that as the XXXX has already received the payment, they can't do anything either. I have been calling both banks multiple time still their response is same.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: NC

Complaint narrative:
On XX/XX/2024 I requested proof of accounts in question from company and proof was never provided : ( Charge-off 's reporting a balance ) - XXXX ) XXXX XXXXXXXX # XXXX Balance {$1100.00} XXXX ) XXXX XXXX  # XXXX Balance {$180.00} XXXX ) XXXX XXXX XXXX # XXXX Balance {$340.00} ( Collection accounts I have no contractual agreement with and was denied proof ) : XXXX ) XXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: OH

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.
State: PA

Complaint narrative:
Back on XX/XX/XXXX I sold my holdings with Blockchain.com for a total of {$600.00}. I went to withdraw the funds and have them deposited into my bank account and was unable to withdraw the funds because the system to deposit into the bank account was temporarily unavailable. I waited over a week and still it was unavailable. I contacted the company through their message system and was informed that the system to deposit money into the bank accounts was going through an upgrade and unavailable. I asked how long it would be unavailable and was told they did not have a time frame but I could withdraw my money via wire transfer. Today XX/XX/year> I went to my bank and had them assist me in filling out the wire transfer form and submitted it. Only to later receive a message from blockchain that the wire transfer failed and they were unable to complete my request. I attempted it again and again it failed. They are refusing to send me a physical check and now I can not even withdraw my money using the method they said I could use. I can not even talk to anyone because their representatives are never available.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
On XX/XX/XXXX I filed a dispute with XXXX that my auto loan is being reported as inaccurate. This auto loan is open and has never been late with XXXX payments on time dating back to XX/XX/XXXX. The dispute result came back as unchanged. My auto loan is inaccurately reported as discharged in XXXX XXXX bankruptcy and listed as a derogatory account that is hurting my credit. An XXXX specialist informed me they are reporting information given to them by the creditor. I contacted the creditor and they informed me the auto loan is in good standing and there shouldn't be an issue with the reporting, but all of my disputes come back unchanged. On XX/XX/XXXX XXXX reported my auto loan went to a XXXX balance because it was discharged in XXXX  XXXX bankruptcy and this is not accurate. Between XX/XX/XXXX and XX/XX/XXXX the auto loan went from being listed in bankruptcy to open never late/pays as agreed. When I call the creditor, my auto loan company, they inform me they'll look into and state credit bureau 's often change accounts back to a status that's incorrect. From month to month my credit score dramatically changes because of inaccurate reporting. I need my auto loan to be listed as open, with the balance owed, and all XXXX payments that are pays as agreed/never late with all three credit bureau XXXX XXXX XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: FL

Complaint narrative:
Removal of Incorrect Items from Credit Report ( More than 30 days have passed ) On XX/XX/scrub>XXXX, I sent you a request to reinvestigate incorrect items which were listed in my credit history report. 

1.Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately Please investigate and delete from my credit report. 
Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Recovery Management
State: TN

Complaint narrative:
I was a victim of ID theft years ago due to a robbery. I've had my identity used since that time opening accounts, loans credit cards and everything else in my name without my knowledge. I need the CFPB help me to get these removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/scrub>XXXX XXXX, I had SCRA benefits applied to my car loan account with Regional Acceptance Corporation resulting in my then current account being paid in full. I was also issued a refund from those benefits being applied and the account being paid in full in the amount of {$4000.00}. I was told that it could take up to 30 days before I received my check. Thirty plus days pass and I havent received my check yet. I reach out to XXXX around late XXXX to see what the status of receiving my check was and they were under the impression that it had been sent out but still put a stop on the first check and reissued me another one. The representative informed me that it could take up to 21 business days for reissuing. It is no late XXXX and I still havent received my refund check from XXXX which now has sparked an investigation with their legal department. The representative I spoke with in late XXXX took my information and assured me that I would hear back from them by close of business that day. I received a phone call later that day with unfortunate news. I was informed that on XX/XX/year>, my check was cashed by a name whom we couldnt confirm due to the legibility and it was discovered to have been at a chase bank according to the transaction number on the copy of the stolen check that was provided to me by XXXX. XXXX lets me know that at that point, there was nothing else they could do for me being that the check was cashed and that I would need to make a fraud claim with XXXX. I did as instructed only to run into a dead end with XXXX telling me that I couldnt make the fraud claim because it wasnt my account that the check was cashed to and I needed reach back out to XXXX and let them know that they had to be the one to make the fraud claim. I relayed the message back to XXXX and they reiterated that there was nothing they could do on their end being that the check was cashed and basically it became my problem from there. I have no received my check as of XXXX and neither XXXX nor XXXX is willing to help me or look further into the issue.

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 2024-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Bitstamp USA, Inc.
State: ID

Complaint narrative:
I opened an account on Bitstamp in XXXX and submitted my drivers license and a selfie, as requested by Bitstamp in order to transact and withdraw or transfer assets. Bitstamp has become unresponsive to my requests for attention to the matter, and has now XXXX trading and deposit/withdrawal functionality. i have requested several times that Bitstamp allow me to close my account, and transfer assets elsewhere, given their unresponsiveness. Further, the disabling of trading has subjected my account to enormous market risk. And i am facing hardship by not being able to withdraw my own funds. Finally, on more than one occasion, I have offered to provide additional identification information, but Bitstamp remains unresponsive. I am concerned that Bitstamp may be engaging in fraudulent activity, given their actions pertaining to my account, and lack of response.

Company response to consumer: Untimely response
Consumer complaint received 2024-05-02 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: NY

Complaint narrative:
I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. The information I am disputing is as follows : XXXX XXXX XXXX and XXXX XXXXXXXX XXXX  XXXX XXXX XXXX 

I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 

I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I requested that the private loans that are related to loans to attend XXXX XXXX XXXX be discharged because the school was found to be defrauding students before the school 's closure and that my federal loans relating to XXXX XXXX XXXX were being discharged, so my private loans should be as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: MO

Complaint narrative:
Account in question : Consumer Adj Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report.

One here has not been given a chance to 3dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent Equifax a dispute about incorrect personal information that was reported on my consumer report. I wanted the company to investigate and remove the incorrect information from the consumer report and send an updated corrected consumer report to the address that was listed. I have not gotten a response from Equifax and the consumer report has not been updated as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I am filing my complaint against, PHH Mortgage Servuces who has aggressively sought out ways to force these fees on borrowers, by attempting to make borrowers amend their mortgage agreements in such a way as to enshrine fees each time the borrower is not offered methods outlined in original note but rather forcing browser to elects to pay in specificed method beneficial to PHH further the borrowers original note agreement for the duration of the mortgage agreement is being drastically affected. PHH is wrongfully denying hardship assistance and modification programs in an attempt to wrongfully foreclose on properties and further failing to update records, supply requested documents and accounts of transactions history and charging inflated fee, rate to accounts this company has multiple class actions lawsuits filed against them and engage in attempting to have the customer meet standards they are illegally inforcing and not in compliance with original terms of loan further i am denied after signing my legal government name which PHH is unwilling to acknowledge, the name used at time of initial loan application

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: OK

Complaint narrative:
reporting claim information on my XXXX report wrong. I was never paid {$50000.00} for a claim. i called the agency and disputed the records

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were 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