vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-04 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding is inaccurately furnishing an alleged debt they purchased. I have no agreement with them, no contract, and have given them no consent or permission to report anything on any of my consumer reports.

Please have them remove the account and follow the cease and desist letter I mailed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am writing to formally dispute an inquiry that was reported on my credit report on XX/XX/XXXX. I would like to emphasize that I never applied for or authorized this inquiry, and I believe it is inaccurate and lowered my score to due to this. I have called Barclays as soon as I saw that it was being reported and have been in contact with their customer security department and was provided case # XXXX and application # XXXX ( XXXX XXXX ) and they told me that as of XX/XX/XXXX a request was submitted to confirm there was no inquiry or application but it still shows on my credit report as of today XX/XX/2023. Contacted Barclays one more time XXXX and there is no letter or email they can send to confirm that the correction was submitted on XX/XX/XXXX. 

I have thoroughly reviewed my records, and I can confirm that I did not initiate any application or request that would have led to this inquiry on the mentioned date. Therefore, I kindly request that you investigate this matter and remove the unauthorized inquiry from credit report as soon as possible. 

I understand that under the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate and up to date information on my credit report. This unauthorized inquiry is not only affecting my credit score but also causing undue stress and conern.

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 2023-10-04 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: CA

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-10-04 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: DISCOVER BANK
State: MN

Complaint narrative:
I reported fraudulent transactions to Discover and disputed it. However on XXXX, XXXX and XX/XX/2018. They are reporting that I was late on payments. I was never late on payments for this card. I am requesting Discover correct this mistake as it has advesrly affected my credit opportunities. Discover has been non-complant thus far.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES 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 non-monetary relief
Consumer complaint received 2023-10-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: PA

Complaint narrative:
I used my Upgrade Rewards Checking Plus account to make a wire for {$5500.00} on XX/XX/XXXX to a recipient that I routinely transact in this manner with ( XXXX  ), and Upgrade 's fraud detection had flagged my account for suspicious activity. It is my entire amount of my funds and I have been very detailed and clear with Upgrade about the nature of the activity on my account as well as the source of payment and funds associated with every transaction I have ever made. Upgrade has failed to acknowledge my email detailing activity on my account, and has only sent me very obscure time frames for when I will receive a follow up with how to lift the restriction on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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:
To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Between XXXX XXXX and XX/XX/XXXX, I deposited {$500.00} at Bank of America ATM XXXX XXXXXXXX attached to the Bank of America building at XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX. 

I failed to take a receipt when I made the deposit. 

This {$500.00} payment was never credited to my account. 

The original credit card account number is different from the current account number. 

I want BofA to credit me with {$500.00} on my current credit card account. 

Within 5 days, I called the customer service number on the back of my credit card. I called them back several times. They checked my account several times and told me several times that no {$500.00} deposit had been credited to my account. Eventually, I realized they were of no help. 

One of the bank building managers told me to contact the ATM division. All communication after XX/XX/XXXX was with this division. 

Except for one communication by fax, all communication with the BofA ATM division was by phone.

After each of several phone calls requesting the ATM division for help, I received a letter from BofA telling me the bank was investigating my claim or requesting more information. I may have made some calls which were not followed up with letters. BofA told me I had told them the exact date of the deposit. This was impossible as I did not have a receipt and did not remember the actual date. I always gave a range of dates. They asked me repeatedly for a copy of the receipt. I told them repeatedly that I did not have one.
The following is a list of letters from BofA by date and case number. 

XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX # XXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXXXX The letter of XX/XX/XXXX is particularly interesting because they ask me for the following information followed by a blank page. 

The letter of XX/XX/XXXX informed me of a {$500.00} deposit. I never made such a deposit. I never claimed to make such a deposit. 

The following XXXX letter denies such a deposit was made. 

I have spoken to the following people : XX/XX/XXXX XXXX ATM division XXXX or XXXX ATM division XXXX XX/XX/XXXX XXXX ATM division XX/XX/XXXX XXXX ATM division ATMs have cameras. BofA could search the photos to find my likeness and determine a date of deposit from that. I probably made only one or two trips to the ATM during the time period I have determined when I made the deposit. BofA has never asked me for my picture.

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 2023-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I called AMEX on XX/XX/2023 to ask about why I am not receiving my everyday spend points along with my sign up bonus offer ( XXXX XXXX XXXX ) and was told that AMEX had a glitch in the system. Rep advised that this should be resolved by XX/XX/XXXX. If not, I should call back. Points are still missing so I call back XXXX XXXX and spoke with 3 different reps ( XXXX, XXXX - supervisor, XXXX - manager ). Each rep gave conflicting information and was told to call back XX/XX/XXXX. I ended up calling again on XX/XX/XXXX and spoke with XXXX. I was told the pending points should be released by XXXX XXXX, or earlier. As of today, 3 statement periods later still no points! I understand having to wait 8-12 weeks for the sign up bonus offer, but that doesn't explain why I'm not getting my everyday spend points. I call again on XXXX XXXX, spoke with XXXX and was told it has not been 12 weeks since I met my minimum spend ( even though I was advised by XXXX to call back on XXXX XXXX because that would be exactly 12 weeks since I met my minimum spend ), and once again, was asked to call back! I asked to be transferred to a supervisor and spoke with XXXX ( floor supervisor ) and apparently there's a delay in AMEX system. She was not able to tell me when this issue would be resolved and told me that the pending points should be deposited into my account on my next statement period which is XXXX XXXX and I should not have to call back. Doesn't seem like that is the case because I have had to call multiple times, explained my issue to 7 different reps at this time, and each rep still giving me conflicting information. I only applied for this card because I was promised an offer and AMEX did not deliver. This is not acceptable. I expect more from AMEX with their reputation & would not recommend AMEX to my friends or family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I was notified via my bank ( XXXX ) that Capitol One executed a credit inquiry on my behalf. I have never applied for a credit card through Capitol One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
I moved out and cancelled this account XX/XX/2022. I have already spoke with customer service last year for sending me to collections for charges after XX/XX/2022 and it was cleared and now I just had a new notice on my credit report for charges from XXXX XXXX XXXX at an address I had cancelled and did not live at the time. 

This has now been fixed for the second time and the debt collector on my credit report is incorrect

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 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: FL

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. 

Account Name : XXXX Account Number:XXXXXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 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: FL

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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I just received my investigation results. Report # XXXX and saw some accounts were verified. However, I have a few questions : how do you complete your investigation? One more thing : I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX Account XXXX : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation.

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 2023-10-04 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: TX

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and 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