vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
I have received phone calls from an XXXX phone number. This phone number is Midland Credit Management 's line. I haven't answered them normally and sent them to voicemail as the label on my phone continuously pops up as Account Services. Today, XX/XX/24, at XXXX CST I was working and received a call again. I decided to answer. I said hello, and the agent stated " XXXX, XXXX? '' I said hello once more and the agent proceeded to state that the call was being recorded. From there they identified who they were and were clearly trying to get ahold of XXXX. XXXX is my husband, and obviously I'm not him. They attempted to confirm his private information with me. I stated that they had absolutely no authorization to communicate with me, nor him, especially when we were at work and when our bosses don't allow private calls. I asked to speak to a supervisor and the agent REFUSED more than 2 times unless I provided him information on XXXX. I stated that I knew that he did not have grounds to state that, and that he didn't need to verify anything with me in order for me to speak to a manager since he was the one calling me on my phone number. After roughly 4 attempts, I got a manager on the line. I established a cease and desist for both my husband and I. I was able to record the partial phone call/ending due to me being at work and being limited with what I could do. 

No debt collection agency is authorized to contact a spouse and request info/verification unless it is a shared debt. Let alone while the spouse is working. I am officially filing this complaint and will be filing a lawsuit as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: MO

Complaint narrative:
I have calls recorded and set up a payment plan with Afni collections to start getting my license back after they had it suspended for non payment even though i had received no communication from them until after i got a letter from the state saying my license would be suspended. After my first payment I called the Mo license bureau and they said i needed a document verifying the payment plan. When I called afni back they said the payment plan previously set up didn't exist and they gave me a new one. Saying I needed to pay the XXXX dollar down payment then they would send out my documentation I need. After paying the down payment i called them and they said I needed to pay my first payment then they would send the documentation out in 30 to 40 days after they receive the payment. They have been dishonest, gave me the run around and withheld information from me from the start

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
I was scammed by someone for {$500.00} and I am now homeless because of it and I need my money back. I sent the money from my chime account to another persons that had false intentions and they said I cant get my money back from them but I need it back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collections Acquisition Company, Inc.
State: TN

Complaint narrative:
Debt collection hit my credit in XXXX affecting the score. I reached out to the original debtor and was told it was race betting organization. I do not gamble at all! They told me they did suspect fraudulent activity. So they suggested me to get police report, which I did, and an investigator will reach back out to me. 

XXXX XXXX # XXXX Police report XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: CO

Complaint narrative:
This company popped up on my credit report out of the blue. Ive never received ANYTHING from them. They are on my credit for an account that has a XXXX balance. I called them so they could verify the account with the company that the balance was XXXX and they were very unprofessional and unhelpful. They said they could not contact the company that they said I owed money to to verify the balance was XXXX. Ive written to cease and desist and they have ignored me.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX Member since 2005 I be been having a lot of overdraft fees called to see if they could help since haven had any prior to losing job. They did half on 2.checking account. 

My credit card the charge me fees I never was aware of. 
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 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: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation. 



Dear XXXX, I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Experian Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation. 



Dear Experian, I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

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: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have 2 hard inquiries about XXXX XXXX XXXX XXXX  on my file and the credit bureaus are telling me they cant be removed because I have to contact them directly. So when I contact them directly I get the run around they tell me to contact the credit bureaus and 15 usc 1681 tells us that anyone who fails to comply with any requirement imposed under that certain sub chapter is liable to the consumer and my credit and living has been affected its inaccurate and it states I could get from {$100.00} - {$1000.00} for false pretenses.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

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

Complaint narrative:
I am writing to bring to your attention a critical matter concerning the inaccurate reporting of late payments on my credit accounts. This letter serves as an official notice of your non-compliance or negligence with the Fair Credit Reporting Act ( FCRA ) and outlines the corrective actions required to rectify this issue promptly. I've addressed this in prior letters to no avail. The reported late payment information does not accurately and completely reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am filing a complaint against Chase for blocking an incoming XXXX payment. 

The complaint against Chase is for the following reasons : 1. Blocking the payment 2. Not providing details on why the payment has been blocked initially. 3. After calling the bank 's customer service team and asking to speak to a supervisor no concrete reason was provided for the cancellation. I was told to take it up with Sender again. 

Chronology of Events : 1.XXXX XX/XX/2024, Chase cancelled an incoming XXXX payment to my account for the amount of {$540.00}. The only details Chase has provided is the following : " We've cancelled your Chase QuickPay with XXXX payment from XXXX sent on XX/XX/2024. Please contact sender for more information. " 2. After contacting the sender, it is apparent that their account has been debited. Since they sent the payment and Chase said to me that they ( Chase ) is reponsible for cancelling my payment. 

3. I contacted Chase for the first time XX/XX/XXXX. Their customer service provided no further information except for the fact that I should contact the sender. 

4. After discussing with the sender in intervening days, I contacted Chase again on XX/XX/XXXX. I spoke to a customer service representative who gave the same response. I asked to speak to a supervisor ( who I believe works for the fraud team at Chase ) and the following was discussed : 1. Chase does not have the money as it rejected it according to Supervisor 2. When asked for a reason why Chase rejected it, he could not provide me with one. 
3. Instead, the following inconsistent theories were provided : a ) XXXX functionality within bank account is no longer functional if it has not been used for over 18 months ( last time I used XXXX payments from that account was around 16 months ago ). b ) Sender might have a problem with their account.

4. When I asked for paperwork to confirm the reason, I was told that the bank does not provide written reasons on specific XXXX Transactions and that I should read their general terms and conditions.

5. I asked to speak to a higher up and was told they would contact me in 2-7 business days.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # XXXX, 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 an 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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to bring to your attention a critical matter concerning the inaccurate reporting of late payments on my credit accounts. This letter serves as an official notice of your non-compliance or negligence with the Fair Credit Reporting Act ( FCRA ) and outlines the corrective actions required to rectify this issue promptly. I've addressed this in prior letters to no avail. The reported late payment information does not accurately and completely reflect my payment history.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX at approximately XXXX hours I requested to withdraw {$200.00} from an ATM in {$100.00} bills. The machine dispensed {$40.00} in the form of two {$20.00} bills, so I was not given {$160.00} of the money withdrawn. However, {$200.00} was taken out of my checking account. 
ATM machine ID XXXX I have filed a claim with Bank of America and have not heard anything back from customer service. They have a status check link online but it only says claim received. 
Money is short right now and I feel it is ridiculous to have to wait so long. I withdrew the money for a reason.

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 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to complaint to CAPITAL ONE AUTO about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to bring to your attention a critical matter concerning the inaccurate reporting of late payments on my credit accounts. This letter serves as an official notice of your non-compliance or negligence with the Fair Credit Reporting Act ( FCRA ) and outlines the corrective actions required to rectify this issue promptly. I've addressed this in prior letters to no avail. The reported late payment information does not accurately and completely reflect my payment history.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit bureaus are still reporting the account inaccurately despite the dispute and evidence showing that the collection agency closed my account. Instead of showing it as paid in settlement and closed, the account is still listed as charged off. According to the law, the credit bureaus are obligated to report this account as closed and settled. Since this information is incorrect, I request that this account be completely 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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is the 2nd time I have called XXXX XXXX about not reporting end of month updates on the XXXX XXXX  and XXXX XXXX XXXX which I own. 

I am filing for a Refinance and can not get the accurat XXXX info on my XXXX report. 
I spoke to their Rep XXXX XXXX who called their Business office and they say they have no information showing updates for these cards from XXXX. 

I want it updated so I can get credit pulled and apply for a Refinance, due to this President jacking up the Interest rates and causing major inflation.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is the 2nd time I have called XXXX XXXX about not reporting end of month updates on the XXXX XXXX and XXXX XXXX XXXX which I own. 

I am filing for a Refinance and can not get the accurat e info on my XXXX report. 
I spoke to their Rep XXXX XXXX who called their Business office and they say they have no information showing updates for these cards from XXXX. 

I want it updated so I can get credit pulled and apply for a Refinance, due to this President XXXX up the Interest rates and causing major inflation.

Company response to consumer: Closed with explanation