vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing to address an issue with the reporting of my Bank of America credit card account, which was charged off and subsequently sold to a debt collection agency, XXXX XXXX XXXX XXXX XXXX. 

XXXX and XXXX : Charge-Off and Sale : The account was charged off in XX/XX/year>, with a balance of {$4200.00}. Subsequently, this debt was presumably sold to XXXX XXXX XXXX XXXX XXXX, I did not receive any documentation from both Bank of America other than a notice in my customer portal and spam emails from XXXX. 
XXXX XXXX XXXX : Despite the sale of this debt, my credit report continues to show the Bank of America account as charged off each month for 7 months without indicating that the debt has been sold. This is reflected in both my XXXX credit report and other credit reports. 

Request for Action : I respectfully request that the following actions be taken to ensure accurate reporting : Update Account Status : Bank of America should update the status of my account to indicate that it has been sold to XXXX XXXX XXXX XXXX XXXX. This update should reflect that Bank of America is no longer the responsible party for this debt. 
Correct Credit Report Entries : Ensure that all credit bureaus ( XXXX, XXXX, XXXX ) receive the correct information about the sale of the account. This includes removing the repeated " charged off '' status from each month following the sale. 
Confirmation of Update : Please provide written confirmation once these updates have been made to my credit report. 

Ensuring that my credit report accurately reflects the current status of my account is essential for my financial recovery and creditworthiness. I appreciate your prompt attention to this matter and await your confirmation of the requested updates.

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 2024-07-21 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Alorica Inc.
State: TX

Complaint narrative:
Described in previous question. 
Long story short this was a company that actually changed companies in the middle of my loan the company now is XXXX I was unable to continue payments almost a year ago. I took out a total of {$4000.00}, half of which one into a savings account they had set up for me to where when I paid off over half of the loan, at the end of loan was completely paid off the. Customer is awarded the savings amount or if loan is in complete they take the savings and put it towards debt left owed therefore covering their end if loan is in debt. So they get paid the XXXX back however they're still harassing me about {$500.00} I apparently owe. They have been really harassing me these past XXXX weeks didn't hear from them in over many months, then when I do it is non-stop. I understand the statements I get in the mail and that's normal but when I'm called it XXXX or XXXX at night back to back just to '' discuss payment on account '' and up to my place of employment that's totally out of line

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SUNRISE CREDIT SERVICES, INC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, Subject : Request for Debt Validation and Removal from Credit Report Dear Sir or Madam, I am writing to formally lodge a complaint regarding SUNRISE CREDIT SERVICE located at XXXX Corporate XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Several months ago, I requested a XXXX XXXX XXXX from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt. 

In the absence of a XXXX XXXX XXXX, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request. 

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of SUNRISE CREDIT SERVICE to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records. 

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution.

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 2024-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Multiple calls after asked to stop calling, called from many different numbers in an attempt to hide the origin, failure to identify when asked, calling outside of legal hours in some instances ( i.e. XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently reviewed my credit report and I found that there are a lot of fraudulent and inaccurate items being reported, please see attached documents.

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 2024-07-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
I am not responsible for the account ( XXXX ) being reported on my credit report by ACIMA DIGITAL FKA SIMP. I have no knowledge of said account, this account was opened fraudulently and I would like the account to be removed from my credit report immediately.As it has impacted my ability to get credit negatively.Under the fair credit reporting act,15 usc 1681a2 I didnt give written permission to have this account furnished on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: FL

Complaint narrative:
I did not authorize XXXX to make XXXX inquiries on my credit report neither do I have knowledge of these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX they accept mobile deposit XX/XX/XXXX they put it on hold XXXX they closed the account and kept the fund Im asking for it back but there trying to say fraud and keep it cuz the property manger wont answer to verify

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to address an issue with the reporting of my XXXX XXXX XXXXXXXX credit card account, which was charged off and subsequently sold to a debt collection agency, XXXX XXXX XXXX XXXX XXXX. 

XXXX and XXXX : Charge-Off and Sale : The account was charged off in XX/XX/year>, with a balance of {$4200.00}. Subsequently, this debt was presumably sold to XXXX XXXX XXXX XXXX XXXX, I did not receive any documentation from both XXXX XXXX XXXXXXXX other than a notice in my customer portal and spam emails from XXXX. 
XXXX XXXX XXXX : Despite the sale of this debt, my credit report continues to show the XXXX XXXXXXXX XXXX account as charged off each month for XXXX months without indicating that the debt has been sold. This is reflected in both my XXXX credit report and other credit reports. 

Request for Action : I respectfully request that the following actions be taken to ensure accurate reporting : Update Account Status : XXXX XXXX XXXXXXXX should update the status of my account to indicate that it has been sold to XXXX XXXX XXXX XXXX XXXX. This update should reflect that XXXX XXXX XXXXXXXX is no longer the responsible party for this debt. 
Correct Credit Report Entries : Ensure that all credit bureaus ( XXXX, TransUnion, XXXX ) receive the correct information about the sale of the account. This includes removing the repeated " charged off '' status from each month following the sale. 
Confirmation of Update : Please provide written confirmation once these updates have been made to my credit report. 

Ensuring that my credit report accurately reflects the current status of my account is essential for my financial recovery and creditworthiness. I appreciate your prompt attention to this matter and await your confirmation of the requested updates.

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 2024-07-21 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:
I am writing to address an issue with the reporting of my XXXX XXXX XXXXXXXX credit card account, which was charged off and subsequently sold to a debt collection agency, XXXX XXXX XXXX XXXX XXXX. 

XXXX and XXXX : Charge-Off and Sale : The account was charged off in XX/XX/year>, with a balance of {$4200.00}. Subsequently, this debt was presumably sold to XXXX XXXX XXXX XXXX XXXX, I did not receive any documentation from both XXXX XXXX XXXX other than a notice in my customer portal and spam emails from XXXX. 
XXXX XXXX XXXX : Despite the sale of this debt, my credit report continues to show the XXXX XXXX XXXX account as charged off each month for XXXX  months without indicating that the debt has been sold. This is reflected in both my XXXX credit report and other credit reports. 

Request for Action : I respectfully request that the following actions be taken to ensure accurate reporting : Update Account Status : XXXX XXXX  XXXX should update the status of my account to indicate that it has been sold to XXXX XXXX XXXX XXXX XXXX. This update should reflect that XXXX XXXX  XXXX is no longer the responsible party for this debt. 
Correct Credit Report Entries : Ensure that all credit bureaus ( XXXX, XXXX, Equifax ) receive the correct information about the sale of the account. This includes removing the repeated " charged off '' status from each month following the sale. 
Confirmation of Update : Please provide written confirmation once these updates have been made to my credit report. 

Ensuring that my credit report accurately reflects the current status of my account is essential for my financial recovery and creditworthiness. I appreciate your prompt attention to this matter and await your confirmation of the requested updates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to address an issue with the reporting of my XXXX XXXX  XXXX credit card account, which was charged off and subsequently sold to a debt collection agency, XXXX XXXX XXXX XXXX XXXX. 

XXXX and XXXX : Charge-Off and Sale : The account was charged off in XX/XX/year>, with a balance of {$4200.00}. Subsequently, this debt was presumably sold to XXXX XXXX XXXX XXXX XXXX, I did not receive any documentation from both XXXX XXXX XXXXXXXX other than a notice in my customer portal and spam emails from XXXX. 
XXXX XXXX XXXX : Despite the sale of this debt, my credit report continues to show the XXXX XXXX XXXX account as charged off each month for XXXX months without indicating that the debt has been sold. This is reflected in both my Experian credit report and other credit reports. 

Request for Action : I respectfully request that the following actions be taken to ensure accurate reporting : Update Account Status : XXXX XXXX XXXX should update the status of my account to indicate that it has been sold to XXXX XXXX XXXX XXXX XXXX. This update should reflect that XXXX XXXX XXXXXXXX is no longer the responsible party for this debt. 
Correct Credit Report Entries : Ensure that all credit bureaus ( Experian, XXXX, XXXX ) receive the correct information about the sale of the account. This includes removing the repeated " charged off '' status from each month following the sale. 
Confirmation of Update : Please provide written confirmation once these updates have been made to my credit report. 

Ensuring that my credit report accurately reflects the current status of my account is essential for my financial recovery and creditworthiness. I appreciate your prompt attention to this matter and await your confirmation of the requested updates.

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 2024-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, we tried to buy a stand up paddle board with the card. The purchase was about {$1500.00}. We were {$18000.00} away from our limit and our account is in good standing with a very high credit score. 

The purchase was declined. When we called the company ( Citi ) for more information, we were told a fraud warning had been issued and had been cleared. We could make the purchase. 

After trying again, the purchase was again declined. When we called again, despite trying different solutions for over an hour, Citi could not allow us to make the purchase. 

We were left with no recourse and could not make the purchase with the credit card.

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 2024-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Bright Capital Inc
State: WA

Complaint narrative:
I have repeatedly reached out to this company through the app and by email and Ive requested all ties to them be severed. Im tired of dealing with them. They tell me that my account is closed and there is nothing to worry about and I keep getting messages, notifications and emails about a {$0.00} balance. Then I saw that it was reported to the credit bureau as a delinquent account which is untrue. If I owe {$0.00} then tell me how to pay them and close my account for good. This place is committing fraud and I would never ever recommend them to anyone. Please save yourself the headache and stress of dealing with them. Absolutely the biggest mistake getting signed up with them. They also trick you into signing up and they end up charging you the full yearly fee even though you say you only want a trial or month to month membership.

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 2024-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-07-21 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I fraudelent charge of {$2900.00} was debited from my checking account at Chase bank from XXXX XXXX XXXX. I received a text and email asking if I made this transaction. I said no. It was processed anyway. My email was also hacked, as I received an email that these tickets were cancelled. The bank returned my funds 7 days later. And now they are saying a month later since the charge came from my IP address they are taking the money back out of my account. I provided proof of the cancelled email, and the email that I said I did not do this transaction.But this was not overturned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have been dealing with this company since XX/XX/year>, I have sent several letters of dispute, the only thing that I receive from them is letters of not being able to find my file and need proof of my drivers license and utility bill ; which I have sent with ALL MY ORIGINAL LETTERS OF DISPUTE. The have claimed in me calling that they were not legible, which I find to not be true seeing as I checked legibility every time I have sent the " original '' letters of dispute. 

I received notification from XXXX XXXX stating there had been accounts that were added as well as accounts that were deleted from my report. When looking into it, they have taken things off, and then put them back on!!!! What is going on Equifax??!! 

They closed out my complaint with CFPB on XXXX, stating that I would find a summary of what they did, as well as I would receive an UPDATED credit report that shows what they did. HOWEVER, to date, I have received NOTHING from them. 

I am truly starting to thing that this is some sort of retaliation for putting in a complaint with CFPB. 

In this complaint, I am enclosing ..... 

1. An updated letter of dispute 2. Various letters asking for proof of my identity 3. A copy of my Driver 's License ( CFPB cant see it is legible ) 4. A copy of my utility bill ( CFPB can see this is legible as well ) 5. XXXX XXXX report reflecting the changes 6. An updated credit report from annual credit report I would like to request the following information for all debt disputes : 1. The name and address of the original creditor, 2. The original date of delinquency and the amount owed, 3. A copy of the original contract or other documents bearing my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX Installments Account # XXXX Installment Account : Reported inaccurately of missed payments has been reported invalid on my consumer report numerous times and multiple times inaccurate. My account has been paid up to date. 

XXXX XXXX XXXX Account : XXXX for amount {$3100.00} have been paid in full this account has been sold to various collectors after collectors this is illegal to harass and sabotaged my consumer report for inaccurate invalid account that has been cleared. XXXX has refused to clear this account off of my consumer report. 

XXXX account # XXXX I don't own this account and have notified the debtor as well XXXX I don't own this account has been an violation of inaccurate data on my report. 
XXXX XXXX is an violation invalid and inaccurate account placed as charge off is violation of invalid. 
XXXX personal Loan charge off # XXXX has been a violation of invalid inaccurate report on my consumer report. 

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. This is a violation of the Fair Credit Reporting Act ( FCRA ) and I OPT-OUT of E-OSCAR validation of accuracy. This inaccurate charge off violates Section 605 ( a ) ( 4 ), Section 605 ( c ), and 15 U.S. Code 1681s2. I will pursue legal action for each violation of inaccuracy. 
The consumer reporting bureau has repeat violated my rights without accurate data and must be corrected which will place a law suit per violation 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