vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In XX/XX/year> made a cash deposit of {$480.00} at Bank of America ATM ID : XXXX Store locator XXXX with my atm card ending in XXXX XXXXThe machine malfunctioned for about XXXX XXXX  ( kept buffering ) and finally stopped and spit my receipt for {$480.00} About a week or so {$240.00} were credited {$240.00} claiming because of difference in currency.. They started a Ref # XXXX case, on XX/XX/year> where they debited back the {$240.00} ( temporarily ) while they would conduct an investigation etc. In XX/XX/year> the bank stated that the credit will be removed claiming any record of additional cash deposited at the atm for {$240.00} between XX/XX/year> and XX/XX/year>. I have a SS direct deposit on this account. I am XXXX XXXX XXXX and have a very minimal source of cash income for my daily living, etc. How can a bank of this magnitude act so unprofessional and uncaring towards its customers, specially the elderly XXXX i singled out because its a small account., therefore not caring about what the bank looses or wins, i am dismayed by this conduct. And next week Iwill probably be able to eat less because of these monies taken out for my sustenance. Its a very sad situation. Who do you trust nowadays?

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 2024-12-04 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: AZ

Complaint narrative:
I began calling Global Holdings LLC on XX/XX/2024 after I received a letter on the previous Saturday, XX/XX/2024, from my debt settling agency XXXX XXXX XXXX. XXXX had written that they would no longer be able to represent me due to a lawsuit that was initiated in XXXX of 2024. It specifies in the letter to call Global Holdings LLC to discuss my options moving forward and that any remaining balance being held in the account run by Global Holdings LLC was mine to withdraw if I so chose to. 

As I begun to do research on the lawsuit and the involved companies, I was disheartened to find that many people have been scammed by Global Holdings LLC involving holding monies hostage by refusing to call customers back, email back, or otherwise reach out, etc. I have called and remained on hold until the phones call self terminates at 11 minutes and have video recordings to prove that its is a dead end to do so. Regardless, I've repeated this call cycles 12 times with no luck. I have emailed Global Holdings LLC with my concerns for a representative to reach out to me regarding my account within a 48 hour response window. The response window has now ended getting me no closer to a solution. 

I currently have {$2100.00} sitting in an account, that I would like to withdrawn from Global Holdings LLC and would ultimately like close my account and cut ties with this company. However, I have no other solutions to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX  XXXX  OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX  {$660.00} XXXX {$1100.00} XXXX {$0.00} XXXX  XXXX {$350.00} XXXX XXXX {$2400.00} XXXX XXXX {$560.00} XXXX {$440.00} XXXX {$0.00} XXXX {$0.00} XXXX XXXX  {$510.00} XXXX XXXX  {$910.00} XXXX {$700.00} XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-12-04 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: Stellantis Financial Services US Corp.
State: MD

Complaint narrative:
I was having problems with XXXX which is my insurance company where they kept increasing my monthly payment due to total loss of my XXXX XXXX XXXX vehicle from an accident on XX/XX/XXXX which was replace by a XXXX XXXX XXXX. This problem also causes me problems with the XXXX in which they say I was driving the vehicle without insurance. I was homeless at the time and having problems with my retired income, so I called Stellantis at the end of XX/XX/XXXX to let them know about the problem and how can I return the vehicle. They told me that I can voluntarily surrender the vehicle, and I agree. I told them to pick-up the vehicle in XX/XX/XXXX and they told me that they would schedule the pick-up and called to let me when. I gave them the location where the vehicle was park which is at the XXXX XXXX XXXX XXXX XXXX where I was staying in the vehicle at that time. They email me a letter to e-signature and the date of pick-up shown on the letter is XX/XX/XXXX, a copy of the letter is enclosed. Stellantis kept reporting me to the credit bureau for delinquent account, and derogatory account. I filed dispute with the credit bureaus several time and they kept reporting. I need and would like for them to stop.

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 2024-12-04 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: AL

Complaint narrative:
Under the doctrine of estoppel by silence, as referenced in XXXX v. XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items due to the ongoing litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: AL

Complaint narrative:
Under the doctrine of estoppel by silence, as referenced in XXXX v. XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items due to the ongoing litigation.

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 2024-12-04 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: AL

Complaint narrative:
Please ensure these unauthorized accounts are promptly blocked and removed from my credit report. I did not open or authorize these accounts and have no knowledge of their origins. Pursuant to USC 1681g, I request their removal within 15 days. Attached are the relevant documents for your review and reference.

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 2024-12-04 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 need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-04 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Violation of 15 USC 168152 Inaccurate Credit Reporting Must Be Immediately Removed 15 U.S.C. 1692c Fair Debt Collection Practices Act ( FDCPA ) states that debt collectors can not communicate with consumers without consumer consent.

Credit Reporting Act 611 ( a ) [ 15 USC 1681 ( a ) Which requires, during the investigation period, disputed information must be removed from credit report. The mere reporting of items constitutes collection activity.

Account activity dates are incorrect.

Account Is Reported Closed, XXXX. Balance reported is incorrect. 

Account was charged off & closed in XXXX. 

Account Secured debt was liquidated via investment holding holding & any other balance was charged off via tax credit in XXXX for tax year ending in XXXX. 

Everyday that this account remains, it is a violation, pursuant to FCRA non compliance and/or incorrect reporting of a fraudulent attempt to collect a debt for which has been paid via secured investment account liquidation & charge off as reported to the IRS. 
The liability for willful noncompliance include : * Actual damages sustained by the consumer * Punitive damages as the court may allow * Costs of the action, including reasonable attorney 's fees * Statutory damages of {$100.00} {$1000.00} per violation. 

The FCRA provides a private right of action against users of consumer reports, including potential employers. 

The law states that anyone who intentionally fails to comply with a requirement under the subchapter in relation to a consumer is liable to that consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
I had cryptocurrencies ( Bitcion, Ethereum, etc. ) on Coinbase XXXX whose current value is around {$100000.00} 4 months ago my account was restricted preventing me from withdrawing my cyrptocurrency 2 months ago my balance of my cryptocurrencies dissapeared I still have not heard back why this is happening and when I will get back my cyrptocurrencies here is a XXXX post I created as well : XXXX XXXX XXXX? XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I have never had an account with XXXX XXXX XXXX but for some reason its reporting in ChexSystems. My identity was stolen, and I need help correcting this as soon as possible. This is inaccurate.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: MS

Complaint narrative:
XXXX XXXX, XXXX XXXX This CFPB complaint is filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion credit reporting agency block the information on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. The fraudulent and inaccurate information includes : 1. An auto loan account opened with XXXX in XXXX under account number XXXX. 
XXXX. An auto loan account opened with XXXX XXXX, in XXXX under account number XXXX. 
XXXX. A personal account opened with XXXX XXXX XXXXn XXXX, under account number XXXX. 
XXXX. A collections account with XXXX opened on XX/XX/XXXX, with a balance of {$690.00}. 

These fraudulent accounts have caused multiple unauthorized hard inquiries and fraudulent collections to appear on my consumer FICO credit report. I have attached a list of the disputed hard inquiries and a copy of my credit report maintained by your agency, which highlights the fraudulent items. 

I do not recognize these accounts, collections, or hard inquiries. None of these accounts, collections, or inquiries were opened, initiated, or authorized by me. They are entirely the result of identity theft and fraud. 

Additionally, I have included a copy of the FTC Identity Theft Report, Case # XXXX as evidence that the listed accounts, collections, and inquiries are the result of identity theft. I request that all fraudulent items be removed promptly, as required by law.

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 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: GA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. 
They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: CO

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. Account : The XXXX XXXX XXXX  Account # XXXX I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 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. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company 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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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