vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Access Receivables of NC Inc.
State: MD

Complaint narrative:
Attn : Access Receivables Reference Number : XXXX Original Creditor : Virginia State Department of Taxation.

This is a formal notice of identity theft ; attached is a police report ; and my original ID ; also below youll find case information from the FBI office in XXXX XXXX. 

Please stop contacting me, remove my information from your system, and return account to original creditor. 

U.S. Department of Justice Federal Bureau of Investigation FBI - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone : ( XXXX ) XXXX RE : Case Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: GA

Complaint narrative:
I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I deposited a check at Bank of America on the XXXX of XXXX for XXXX at the XXXX, Texas location. I received a receipt that states XXXX available on XX/XX/23 at XXXX & XXXX available on XX/XX/23 at XXXX. The representative at the bank also told me this information. Well, it's the holidays and none of my money is available they have a hold on it. I have spoke with several customer service representatives and supervisors regarding this matter where XXXX reps stated something different from what the supervisor advised me. So, it's like who do you believe or trust when you are continuously getting conflicting information. I was told XXXX available on XX/XX/23 that's what I'm expecting. Nobody seems to know anything or can tell me the correct information, but misinforming customers is not okay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-21 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: VA

Complaint narrative:
I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that is not 100 % accurate. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted 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 explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to bring to your attention a persistent issue regarding an inaccurate public record on my credit report, and despite repeated demands for its deletion, the matter remains unresolved. This is the third time I am reaching out to the credit bureau, to rectify the inclusion of a bankruptcy record, referenced by the number XXXX. 

My name is XXXX XXXX XXXX, and I have previously provided detailed information to this credit bureau regarding this matter, including documentation from the court confirming that they do not verify information with credit bureaus and that such information has been removed/deleted. Despite presenting this evidence, the inaccurate bankruptcy record persists on my credit report. 

Furthermore, it is crucial to note that the bankruptcy record is erroneously attributed to the name XXXX XXXX XXXX, not my legal name XXXX XXXX XXXX. This misinformation is a clear violation of the Fair Credit Reporting Act ( FCRA ), which stipulates that consumer reporting agencies maintain accurate and up-to-date information. The inclusion of this inaccurate information damages my creditworthiness and financial standing. 

Additionally, I would like to highlight that XXXX, as of XX/XX/2023, has removed this particular record from their database. This further supports the inaccuracy of the information reported by this credit bureau. 

I am exercising my rights under the FCRA, specifically invoking Section XXXX, to dispute and request the removal of this erroneous bankruptcy record from my credit report. The continuous reporting of inaccurate information is not only damaging to my creditworthiness but also a violation of my rights under federal law. 

I kindly request the CFPBs intervention to ensure a thorough and prompt investigation into this matter. Despite my previous attempts to resolve this issue, This credit bureau has failed to take appropriate action. The inclusion of inaccurate information on my credit report goes against the FCRA, which mandates that consumer reporting agencies maintain accurate and up-to-date information. 

I am deeply concerned about the potential consequences of this inaccurate reporting on my financial well-being. I appreciate your immediate attention to this matter and request your assistance in facilitating a resolution. Please find attached supporting documentation for your reference including information directly from the court 's website stating they do not verify any information with the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: ID Analytics, Inc.
State: GA

Complaint narrative:
I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXX of last year, while I was working in California, my rental car was broken into and my backpack was stolen ; it contained my passport, checkbook, and other personal items. ( Police Report available ) I immediately contacted my bank to close this compromised checking account, but they refused because all postings had not cleared. They said I had to wait until they cleared, which I did and finally, the compromised account was closed on XX/XX/2023 and opened a new checking account. 

[ Capital One has a design flaw in its online banking. They list all your accounts, including the closed ones, all together, making It look like all the listed bank accounts are working and active, which leads to constant confusion for the account holder. 

On XX/XX/XXXX, without my knowledge or consent, Capital One reopened the account due to a posting. I was told I had to pay it for the account to close. I paid the charge. On XX/XX/XXXX, another posting hit the account for {$14.00}, leaving the account with a negative balance of {$14.00}. This time, I refused to pay the negative charge ; it was insulting to be bullied into paying a charge that should have been rejected or applied to my new active account. On XX/XX/2023, XXXX XXXX sent me a letter informing me that they were exercising their right to debit my savings account to cover this outstanding charge of {$14.00}. This time, they left the once-closed account open. Then, a refund was issued to me and posted to that checking account, which now showed a working, accessible balance. Once again, I asked that the account be closed and withdrew all the money. I was told the account was closed. This caused me much confusion ; I inadvertently sent payments against the wrong account, thinking I was using the one good checking account ; in my mind, I thought, " Surely, a closed account will not allow payments to be posted against it. '' I thought it was my error in not making deposits in time to cover these payments. I even had an auto-pay for CAPITAL ONE 's CREDIT CARD from this closed account. To this day, the wrong account carries a balance of XXXX cents. 

Capital Ones refusal to close my account when I had first requested it left me financially vulnerable, it also affected my credit and cost me hundreds of dollars in late fees and returned items fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I XXXX XXXX currently have some fraudulent accounts appearing on my credit report. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, 2023 XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX  Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX 2023 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I XXXX XXXX currently have some fraudulent accounts appearing on my credit report. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX 2023 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: CT

Complaint narrative:
This account is not mine. Please remove this fraudulent account from my credit report. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: GA

Complaint narrative:
I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Collectors Corp.
State: WI

Complaint narrative:
I called professional collector corporation on XXXX  XX/XX/XXXX and talked to a man named XXXX. XXXX told me that the medical for XXXXXXXX XXXX XXXX is a bill from XXXX and they dont have the bill. I asked XXXX to send me validation of this bill. XXXX said he cant because they dont have the bill and are not reporting it to the XXXX XXXX So who is reporting this bill to XXXX then? It says right on my credit report that its professional collector corporation. Professional collector corporation keeps adding on interest every time I make a complaint. XXXX is committing fraud by trying to collect on a bill that doesnt exist. This is my XXXX complaint to the cfpb. I even called XXXX and they said that I need to contact XXXX XXXX  XXXX  and get a copy of the bill. I said how do I get a bill that doesnt exist. XXXX XXXX  XXXX  sent me all of the bills but this bill is not in there. Also professional collector corporation tried taking XXXX bills and changed the date and the amount owed. Which I will show you that each bill was paid by my insurance company. You will also see that the XXXX is committing fraud by changing these bills and putting different amounts what is owed to them and bhs. You will see that the bhs and pcc are both committing medical billing fraud. There is one bill that they added over {$240.00} in interest in only about XXXX weeks time. Also I sent these papers to the Wisconsin department of financial institutions and dealt with XXXX XXXX and the XXXX XXXX XXXX. XXXX still has a business license so they must have gave them some kickback. The proof I have is undeniable. You will see my insurance company paid most of my bills by a contractual adjustment. Which means the insurance and provider have it to where the provider cant charge the patient the remaining balance and has to do it as a write off. XXXX XXXX  XXXX  and XXXX  need to be investigated for fraud. This is my XXXX attempt to get this removed off my credit bureau in the last XXXX in a half weeks. I will not stop making complaints until this is removed. Why wont XXXX remove this off my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
Flagstar bought my mortgage and they paid me interest on the escrow account for the first XXXX  years then stopped paying it. It is a CA mortgage and I am a CA resident they are required to pay interest.

After calling and spending a significant amount of time in the phone all they would say is they do not have to pay interest.

I asked that the complaint be escalated and was told it would be I was given a case number of XXXX they have never responded it has been XXXX years.

I do taxes for a living and see many accounts for Flagstar that interest is being paid on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I deposited a check on Friday, XX/XX/2023 for {$5500.00} thinking that it would be available for the holidays because me and my family are traveling to Virginia. They have placed a hold on my account and refuse to lift the hold to access my funds until XX/XX/2023 leaving us stranded. When I spoke to an associate they were unable to loft the hold. The XXXX is able to but refused to. Im frustrated because Ive been with them for 13 years and its frustrating that their policy for check deposits is XXXX to XXXX business days. What are we supposed to do? Sleep on the road?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Dear Transunion : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX SC XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX SC XXXX 3. CHARGE OFF ACCOUNT CAN NOT CARRY BALANCE XXXX XXXX, XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
5. CHARGE OFF ACCOUNT CAN NOT CARRY BALANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. CHARGE OFF ACCOUNT CAN NOT CARRY BALANCE XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. Account was closed XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. Chargeoff can not report balance XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. Chargeoff can not report balance XXXX Account Number : XXXX Please remove it from my credit report. 
10. Chargeoff can not report balance XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
30 days should be enough time to get back with me. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
There is misleading inaccurate information being reported on my credit report. The company 's name is XXXX XXXX XXXX XXXX  and the mount is : {$520.00} the date is : XX/XX/2018

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/2023 I signed up for automatic payment on my XXXX XXXX credit card. I received an email confirmation from Wells Fargo that this automatic payment will take effect firstly on XX/XX/2023. 

On XX/XX/2023 I checked my account and realized that this antomatic payment did not happen, so I made a manual payment which was received by Wells Fargo on XX/XX/2023. The due date for this payment is XX/XX/2023. 

On XX/XX/2023 Wells Fargo posted an interest charge of {$120.00} on my account. I contacted the bank the same day, and the customer service representative was able to waive {$50.00} of the interest charge. She also informed me that she can not waive the rest of the charge at the time, and created a customer complaint case for me on the same day. 

On XX/XX/2023 Wells Fargo replied to me regarding the case, saying " we are unable to waive any more than this [ {$50.00} ] on the account ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Leafy Financial, LLC
State: CA

Complaint narrative:
FOR THE LAST YEAR EVERY 30 DAYS I REQUEST FROM ORIGINATED COMPANY AND DEBT AGENCY DOCUMENTS OR AN AUTHORIZATION WITH MY SIGNATURE FOR THIS DEBT CLAIM. NO COOPERATION FROM EITHER SIDE. I HAVE DISPUTED THIS ON MY CREDIT REPORT ( XXXX ) EVERY 30 DAYS

Company response to consumer: Closed with explanation