vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2023 my phone was stolen from a restaurant. I tracked my phone found it was in XXXX. The next day I put my phone on a freeze with XXXX so it couldn't be used. I was without a phone for a few weeks. I then purchased a new phone kept same phone number. Everything from old phone transferred to new phone. I was unable to receive phone calls. I thought is was a phone issue contact and made claims with version. Turnout phone was hacked and they call forwarded all my calls to the " hacker ''. I was unaware of how many calls went through. On XX/XX/2023 my savings account was emptied, leaving me a ZERO balance. I contacted the bank and they stated it was a withdrawal to XXXX which it was not authorized by me. They stated they followed procedure to authorize the transaction. It was not ME as my calls were forwarded to the " hacker ''. I filed a fraud complaint with Bank of America and went down to the bank in person to provide my ID, bank info etc. I gave them everything they asked for. I also filed a fraud complaint with XXXX. The bank sent me a letter stating my claim was denied. 
I am a college student working 2 jobs. I need to have this money returned to me ASAP. 
Please assist me. I will provide anything you need. The name that was associated to the withdrawal was XXXX XXXX. no phone or email attached.

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been working on my TransUnion credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted are XXXX XXXX XXXX XXXX, TX XXXX and there is XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX. 


Please keep in mind th

at Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have m
y written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-04-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I have disputed this account which I don't recognize in my credit report. They offer no explanation about the debt. I never had a signed contract with this company they are violating my consumer rights by demanding I pay something I know nothing about .I asked about in my report to XXXX to get the company to verify more information and they failed to do so and stated I can not dispute this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Paramount Capital Group, Inc.
State: NC

Complaint narrative:
Between XXXX and XXXX of XXXX, I attempted to report and remove a derogatory account on my credit report. I filed a dispute through XXXX and wrote a letter to both XXXX and the reporting company, to no avail. 

The reporting company stated that upon review of my account, it is reporting correctly. 

Based on the consumer laws put in place by The United States Congress and The Fair Credit Reporting Act, the term consumer report is to exclude and NOT INCLUDE transactions and experiences, such as late payments, made between all persons involved ; consumers and the institutions. 

I, as the consumer, DID NOT AND DO NOT GRANT PERMISSION for this institution to furnish and report my experiences and/or transactions, such as late payments, to the credit reporting agencies on behalf of my personal consumer credit report. 

Per the consumer laws put in place by The United States Congress and The Fair Credit Reporting Act, per 15 U.S.C. 6801 and 15 U.S.C. 6802, the institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of my nonpublic and personal information and furthermore, have a responsibility to insure the security and confidentiality of customer records and information ; protect against any anticipated threats or hazards to the security or integrity of such records ; and ; to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. I acknowledge that I have not been provided, by this institution, the necessary consumer disclosures that give the consumer the right and option to OPT OUT in regards to the furnishing and reporting of my personal financial data to anyone on my behalf, therfore by law, the institution is reporting my personal financial data and information to the credit reporting agencies, and any other 3rd parties, illegally. 

I am exercising my consumer right, based on the consumer laws, to ensure that this institution be held responsible for the unfair practices under all applicable consumer laws put in place by The United States Congress and The Fair Credit Reporting Act. 

As they DO NOT HAVE MY LEGAL PERMISSION to do so ; I require that this company immediately cease and rectify all non permitted disclosures of my personal financial data and information, transactions and experiences, to all credit reporting agencies, and any other 3rd parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Thaxton Investment Corporation
State: AL

Complaint narrative:
In XX/XX/XXXX, Quick Credit in XXXX, AL sent me a check in the mail in the amount of {$600.00}. If I agreed to the terms of the loan, I was to deposit the check into my bank account to activate the loan which is what I did since I was agreeable to the terms. I paid this loan in full which is reflected on my credit report as favorable. I find out much later that there is negative reporting on my credit reports from all three credit bureaus for an additional loan that I supposedly took out in XX/XX/XXXX and never repaid it. They also reported that I took out the loan in XX/XX/XXXX and that date of first delinquency was XX/XX/XXXX. I contacted them to let them know that this was not my loan and that I paid my loan in full. I have disputed this many times with no resolution. I even obtained a police report to attest to this fact but Quick Credit still refuses to remove it from my credit reports. I was told by the credit bureaus that I needed to file a complaint with this agency to have credit bureaus remove this from my credit reports once and for all which is why I am now filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion credit bureau has ignored my request to investigate 9 inquires that currently sit in my credit file, I compared my XXXX, Transunion and XXXX scores and details and Transunion is showing almost XXXX point variance, when I looked more thoroughly I noticed there were an exorbitant amount of inquiries, when I contacted the lenders that alleged pulled my Crdit they says they haven't pulled my credit I asked Transunion to investigate they did not comply, I disputed these inquiries by mail and online multiple times. these arent my inquires. 

XXXX. XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX ( Auto ) XX/XX/XXXX XXXX. XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( Auto ) XX/XX/XXXX XXXX. XXXX ( Bank ) 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 explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo opened 3 credit cards for me in XXXX and I have requested them to close my cards. I have received the letter in XXXX stating that was a fraud on their part. Wells Fargo reported the credit card debt to consumer credit report for collection service. The collection hurt my credit score significantly. Please remove that debt from Wells Fargo. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC
State: PA

Complaint narrative:
Cease & Desist : In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer-reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 
This complaint is due to the Consumer Credit Transaction with t
his companys financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) the term document means any information in any form. I demand this company CEASE and DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes, XXXX, XXXX, and XXXX. The Provisions of 15 USC 6801 ( a ) state, It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
Please be advised that I have not given this company the permission to share my nonpublic personal information. However, I ask this company that if there is a nondisclosure clause in the contract/agreement giving that option to share my nonpublic personal information I ask this company where I can opt out of their sharing of my nonpublic personal information. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that before such information is initially disclosed, to direct that such information not to be disclosed to such third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that non-disclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., XXXX, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc.
State: WA

Complaint narrative:
Follow-up to complaint : XXXX. Was issued card, with damaged number. Company stated that they would send replacement card. Was not provided card. Refused multiple emails to customer service. Initiated complaint XXXX with CFPB in XX/XX/2023. Was informed on XX/XX/2023 a replacement card would be sent within 7-10 days. Company mislead consumer and CFPB with resolution, as no card has been issued, yet again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to dispute the actions of a debt collector, MIDLAND CREDIT MANAGEMENT who has been violating my rights and causing harm to my credit reporting. The debt collector in question has been reporting a debt that I do not owe, which has caused significant damage to my credit score. I request that the CFPB take immediate action to rectify these violations of the law and provide extensive remedies for the harm that has been done to me. The following laws support my claims : The Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. 1692 et seq., prohibits debt collectors from making false or misleading statements about a debt, including the reporting of a debt that is not owed. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., requires debt collectors to accurately report debt information to credit reporting agencies. If MIDLAND CREDIT MANAGEMENT is reporting a debt that I do not owe, they are violating this law. The Michigan Collection Practices Act ( MCPA ), Mich. Comp. Laws 445.251 et seq., requires debt collectors to be registered in the state of Michigan before they can collect debt. If MIDLAND CREDIT MANAGEMENT is operating illegally by collecting debt without being registered, they are violating this law. I respectfully request that the CFPB investigate this matter and take appropriate action to rectify the violations of these laws and provide remedies for the harm that has been done to me. I would be happy to provide any additional information or documentation that may be necessary to support my claims. Thank you for your prompt attention to this matter. Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap XXXX experian 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 explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: OH

Complaint narrative:
I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap XXXX XXXX XXXX lexis nexis

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to you in reference to my account with your company, which has been reported to credit bureaus as having late payments. I am aware that the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1666B and 15 USC 1637b, protects me from incorrect and unfair reporting of information by creditors to credit bureaus. Upon reviewing my credit report, I have noticed that your company has reported late payments on my account. I would like to remind you that this is illegal under FCRA regulations, and it has negatively impacted my credit score and ability to obtain credit from other sources. As per FCRA regulations, creditors are required to report accurate and timely information to credit bureaus. Any inaccurate or unverified information must be removed from my credit report immediately. I demand that you delete the derogatory payment history from my credit report and provide me with a written confirmation of the same within 7days of receipt of this letter. Failure to do so may result in legal action being taken against your company for violating FCRA regulations. I urge you to take prompt action to rectify this situation and avoid any further consequences. I look forward to your prompt response and resolution of this matter. Account information : NAVY FCU balance {$0.00} 30days late NAVY FCU balance {$3100.00} 60 days late account reporting CLOSED Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
IC System, Inc submitted to me the ORIGINAL CREDITOR listed as XXXX XXXX. 
Since then, IC System , Inc has changed the original creditor. ( 2 ), two times.

It is clearly stated that I do not have a second chance to make corrections. 

As stated, I have never done business with XXXX XXXX. No Invoices. 
No bills paid to XXXX XXXX. 

In addition, I am left confused, why is IC System , Inc. requesting information for an attorney.

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 2023-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
This company operates under two names Columbia debt recovery and Genesis collections. They have put a negative mark on my credit without notifying me of debt. When I called, I first spoke with someone named XXXX who was rude, kept talking over me and said that my complaint was " not a big deal '' and that they have something called " a hardship '' that might be able to lower my amount due. He then stated that theres no rush on it as his sarcastic implication was as if I couldnt pay it anyways. 

Problem is-THIS IS A BIG DEAL to me and I asked for an itemization of what they are trying to collect on. I even asked for proof that they are who have been put in charge by XXXX to collect. This person was sarcastically speaking so I asked for a manager. I spoke with XXXX XXXX who did speak professionally and heard me out without speaking over me. Still, this company refuses to remove this collection from my account while correcting the amount due errors or giving me a chance to pay any correct amount and instead, XXXX stated " we will update it '' with the correct amount due. However, this shouldnt be there at all because they never gave me a chance to pay the correct amount before putting this on my file. XXXX also stated that he has had the account since XX/XX/XXXX and that they mailed me a letter of the debt. I told him that you did not because I would have received it and it would have also been pictured in my informed delivery from the USPS which nothing from their company has been. I also asked for any proof of mailing me such notification and he said they arent required to have that. Still, XXXX refused to remove this from my account. This is a collection, full of fraud/eroneous billing that has been placed on my credit file ( s ) under two different names.

Company response to consumer: Closed with explanation