vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
I opened a Popular Bank account with the sole intent to receive a XXXX payment from another country. The amount initially deposited into the account was either {$990.00} or {$1000.00}. Upon opening the account, I was thoroughly assured that I would never be charged any fees due to inactivity. I was adamant on this point because I did not intend on using this account for anything other than to receive one payment. After a few years, the payment never came, but when I attempted to close the account and take out my initial deposit, I was told that less than {$500.00} had remained in the account. This was shocking as I had never withdrawn any money from this account before. After about 1 week, I received a phone call from the bank informing me that they were willing to give me {$720.00} but no more. I went in a few days later to withdraw my money, before any more was taken, and I closed the account. When I closed the account, I requested a full printout including every transaction. The bank told me that they could not do that at the moment and when I asked to speak to the supervisor, I was told that I could not. The teller said that she would put in a request and would call me if/when I am able to see the transactions that they applied to my funds. I was never informed that there would be any fees charged and I expected my money to be untouched and available for me because I had never foreseen such an impropriety. I have just closed the account today and I am hopeful that the Consumer Financial Protection Bureau will assist me in reclaiming the {$270.00} that has been stolen from me by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Lvnv XXXX XXXX XXXX. I didnt open a credit card in XXXX  with this company. I am military and was XXXX when this occurred. I have spoke to resurgent who represents lvnv for this and provided info. Still wont remove this debt from my name or my credit. I want this removed immediately please. I also did report it as identity theft. Which I have attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX, Account number 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 : Also states a consumer reporting agency can not furnish a account without my written instruction.

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 2024-12-20 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX, Account number 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 : Also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of America Paid {$1500.00} online XX/XX/24 for car payment due XX/XX/24. 
Account document received XX/XX/24 reflects payment. 
Charged late fee of {$27.00} for late payment.

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 2024-12-20 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-12-20 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: MD

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
When accessing my Capital One mobile app, a promotional offer of {$45.00} for downloading an extension to my web browser kept appearing. After ignoring it a few times, I finally clicked on the link to take advantage of the offer. I followed the links provided and downloaded the browser extension as instructed. After having done so, I waited a few days for the promised amount of {$45.00} but it was not seeing it deposited into my account. I then called their customer service number to inquire about the status of these funds but was told that " they had no record of such offer '' and that they couldn't offer me any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, Account number 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 : Also states a consumer reporting agency can not furnish a account without my written instruction.

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 2024-12-20 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: TX

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC 1681b. I believe these inquiries were unintended, and I am requesting their removal.

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 2024-12-20 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: SC

Complaint narrative:
In accordance with the Fair Credit reporting act XXXX account name XXXXXXXX XXXX XXXXXXXX, Account number 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 a account without my written instruction.

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 2024-12-20 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: DISCOVER BANK
State: MI

Complaint narrative:
This company has filed a charge of 1099 c on accounts in my name. They have not issued or provided me with any 1099 C 's they also failed to report a XXXX balance on my credit report they are reporting false information the charger by law can not have a remaining balance which is not reflecting a XXXX balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: NY

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened my account with Bank of America on XXXX XXXX. I was advised to wait until Social Security cleared to close my account. I closed my account on XX/XX/XXXX after receiving my Social Security on XX/XX/XXXX. I then received an email on XX/XX/XXXX letting me know that the account was closed and I would no longer be able to use it for billpay purposes, but there was no balance at the time. Im now being told by the company that I have an outstanding balance owed to them within one or two weeks of closing the account and that, in fact, is not the case there should be no balance.

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 2024-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Various Zelle transfers to my daughters XXXX  XXXX  checking account in XXXX. 
Money was allegedly on hold for suspected fraud but never released back or made available to the recipient. 
From my memory all amounted to approx {$19000.00}. 
I will request relevant bank statements for comparison funds send vs funds received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: AZ

Complaint narrative:
I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX XXXX XXXX Account Number : XXXX TransUnion : XXXX  Date of inquiry : XX/XX/year> XXXX XXXX  XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: KS

Complaint narrative:
To Whom It May Concern, I am writing this letter to formally contest the collection actions conducted by Jefferson Capital Systems concerning an alleged debt reported to consumer credit bureaus. I have recently discovered that this agency has contravened several federal statutes, notably the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). My primary concern is the agency 's failure to provide the necessary validation information mandated by 12 CFR 1006.34 ( b ) ( 5 ) prior to reporting the collection account on my consumer report. This omission infringes upon my consumer rights and represents a distinct violation of federal regulations intended to safeguard consumers from inaccurate and unsubstantiated debt reporting. Moreover, I have not been afforded the opportunity to dispute the alleged account in accordance with 12 CFR 1006.34 ( c ) ( i ). This collection agency 's actions in this regard not only deprive me of my right to challenge the accuracy of the debt but also constitute an unfair and deceptive practice under the FDCPA. In addition, the agency has failed to provide the necessary disclosures required by law before furnishing the account information to consumer reporting agencies. This lack of compliance with 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681s-2 ( 7 ) ( A ) is a serious violation that jeopardizes the accuracy and integrity of credit reporting systems. Furthermore, I hereby revoke any authorization for communication via email, text, or phone calls as per my rights under the FDCPA. In light of the foregoing, I am formally requesting the following actions to be taken : 1. Immediate cessation of all collection activities related to the alleged debt pending the outcome of a thorough investigation into the violations outlined in this correspondence. 2. Validation of the alleged debt as per the requirements of 15 U.S.C. 1692g, including but not limited to the original creditor 's purchase agreement, account statements, and any other documents supporting the validity of the debt. 3. Proof of the agencys licensure and bonding as required by applicable state laws and regulations. I trust that your agency will take this matter seriously and address the concerns raised. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: Kriya Capital, LLC
State: MI

Complaint narrative:
Accounts doesn't belong to me I didn't give any permission to open account. I don't have any signed documents with these companies I'm a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Accounts doesn't belong to me I didn't give any permission to open account. I don't have any signed documents with these companies I'm a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
I completed an IDR application when they were opened by Federal Student Aid. Mohela acknowledge the application. I should have then been moved into a processing forbearance. They did not. I called. They falsely claimed that they could not due to guidance from the Department of Education. The problem is that the DoEd confirmed via phone and accessible to anyone on their website that this is not true. Mohela is hiding behind a false understanding of a federal court case that enjoined the SAVE program. They are using this as an excuse to deny borrowers a remedy to their current inability to actually PAY THEIR STUDENT LOANS. I am requesting movement from SAVE and Mohela acknowledges this application. therefore, I should be granted the Processing forbearance immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Court circuit judge, Ruled on my favor. Debt has been discharged by judge. 
Called LVNV funding for credit clarification. Clerk stated, I now need {$270.00}, to free my credit towards the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: CORELOGIC INC
State: TX

Complaint narrative:
CoreLogic Consumer Relations XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX Request for File Disclosure, Immediate Opt-Out, and Data Collection Concerns Dear Sir/Madam, I am writing to request a complete disclosure of all information CoreLogic maintains about me in its databases and to demand an immediate opt-out from all permissible CoreLogic services and data collection practices. I have never entered into any direct contractual agreement with CoreLogic that would authorize the collection, storage, or dissemination of my personal information. 

I am also writing this later because I had a conversation with XXXX in XXXX and my insurance premium went up almost three times the amount I was first quoted because they saw XXXX accidents on my report but I was not at fault for those accidents at all figuratively and legally. So this is why I'm pursuing the evocation of my rights. Core logic in XXXX XXXX was named. 

As per my rights under various federal and state laws, including but not limited to : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. 
2. Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S.C. 6802 3. Texas Consumer Protection Act - Texas Business and Commerce Code 17.46 4. Texas Property Code - Property data collection and reporting regulations I hereby request that you provide me with : 1. A complete copy of my consumer file, including ALL information you have collected about me from any source 2. The specific sources of this information 3. A detailed list of any persons or entities to whom you have furnished my information in the past two years 4. The procedure for disputing any inaccurate information in my file 5. Specific details regarding any property, rental, or housing-related information you maintain about me I formally demand to opt out of : - ALL CoreLogic consumer reporting products- ALL marketing products or services- ALL property and housing-related data collection - ANY other products or services not explicitly required by law I am particularly concerned about : 1. The unauthorized collection and sharing of my personal and property information 2. The potential impact on my credit and housing opportunities 3. The accuracy and currency of any information you maintain 4. The lack of explicit consent for data collection and sharing Please process this request within the time frame specified by the FCRA ( 15 U.S.C. 1681j ( a ) ( 2 ) ). If you require additional information to verify my identity, please contact me. 

I reserve all my rights under federal and Texas state laws. Any failure to comply with this request may be considered a violation of these laws and could result in further legal action. 

Thank you for your immediate attention to 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 2024-12-20 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-12-21 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: LA

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with non-monetary relief