vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-27 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: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
DATE : XX/XX/XXXX / XXXX NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CONTACT : ( XXXX ) XXXX XXXX XXXX : XXXX Consumer Adjustment Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Re : Dispute of Fraudulent Debt Claim - Account for XXXX XXXX XXXX XXXX XXXX, Assigned Agency : Consumer Adjustment Company , Account Number : NOT LISTED Dear Sir or Madam, I am writing this letter to formally dispute the legitimacy and ownership of a debt claim reported under my name related to an account with the original creditor, XXXX XXXX XXXX XXXX XXXX, and currently managed by your agency, Consumer Adjustment Company . According to the record, this account was assigned to your agency on XX/XX/XXXX, with a reported balance due of {$280.00}, an increase from the original amount of {$200.00}. 
Please be informed that I have no knowledge or record of incurring this debt under the terms stated and hereby assert that this account is fraudulent or mistakenly attributed to my identity. The distress and financial impairment inflicted upon me by this erroneous claim can not be overstated, as it significantly impacts my creditworthiness and access to financial services. 
Given these circumstances, I demand immediate action on your part to investigate and rectify this situation. Specifically, I request : 1. Detailed documentation proving my responsibility for this debt, including any contracts or agreements signed between myself and the original creditor, XXXX XXXX XXXX XXXX XXXX. 
2. A complete history of the account from the original amount owed to the current claimed balance, including an explanation of all charges that have led to the balance increase. 
3. Evidence of your authority to collect this debt, including proof that this debt was rightfully assigned to your agency by the original creditor. 
4. Immediate cessation of all collection efforts and reporting of this account to credit bureaus until this matter is resolved. Furthermore, should this debt be proven invalid or not belonging to me, I demand its complete removal from my credit reports and a written confirmation of the same. 
Failure to adequately address and resolve this dispute within 30 days of receipt of this letter will compel me to take further actions, including but not limited to seeking legal counsel and filing complaints with appropriate consumer protection agencies. 
The continuous reporting of this fraudulent or mistaken debt has caused me unwarranted stress and financial harm. I trust you will treat this matter with the urgency and seriousness it deserves and look forward to your prompt response confirming the resolution of this issue. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Back in XX/XX/XXXX, I was notified by BMO Harris Bank that fraud had occurred on my accounts. I have a checking and a savings account. My accounts were instantly frozen and after an investigation the bank learned I was the victim and not responsible for a fraudulent check that was written. 
I had 2 accounts, a savings ( $ XXXX ) and a checking ( less than {$100.00} ). After many weeks waiting for the solution, I learned in XXXX that checks were issued and sent via us mail to an address I haven't lived at since XXXXXXXX XXXX XXXXXXXX. I was never notified by BMO they were sending me checks or double checked to ensure how money was being reimbursed. 

Mid XXXX I l never received any checks and only learned than that the checks would probably not get rerouted because they were bank checks. After contacting the fraud department multiple times they asked for me on 3 separate occasions to verify my ID with a notary. I did exactly what they asked, only to find out again in XX/XX/XXXX they had no records of me doing that. 

Again I sent a ID verification form notarized where I was informed that the old checks would be cancelled and new checks would be re-issued. Now its been 4 weeks and no checks were received yet, and when I contact the help line I get no help. 

My father, who is on my checking account, filed a complaint with your agency about BMO - and that check for the checking account ( {$88.00} ) arrived at the new address. I am still waiting for my {$4000.00} check, since I am a XXXX XXXX  and have had no access to any of my money since XX/XX/XXXX. My parents have had to struggle to help me pay for bills that I can not pay because the bank is inconveniently not helping me. 

I am filing this complaint because I did nothing wrong and I feel the BIG BANKS are not keeping their employees accountable to fix these problems effecting the little guy.

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 2024-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.

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 2024-03-27 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: OH

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: Kikoff Inc.
State: PA

Complaint narrative:
This issue has not risen to identity theft as I do NOT consent to the reporting of this account. If this issue continues I will seek legal action. I have requested that this company show me proof that I was ever late on this account and they have not shown me any type of proof or conducted a reasonable investigation as it reports differently on each agency. See attached. Although without proof, this company believes that their reporting is accurate. Now I am requesting that this company provide the certified mail with green receipt that bears my signature stating that they have sent me in writing proper notification that they were going to furnish negative information on my report ( please note this must be prior to furnishing ) pursuant to section 15 U.S. Code 1681s-2 ( 7 ) ( A ) of the Fair Credit Reporting Act. I demand proof, if they can not provide proof then I demand they rectify. And if they do not rectify then I will sue due to noncompliance with the FCRA and Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: FL

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 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 2024-03-27 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:
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 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 2024-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened an account with Citi Bank and they closed off my access to the online banking. I called and closed the account on XX/XX/2023 to make sure that the XXXX that I deposited into the account would be returned. The customer service representative said I would receive it after the account had been closed. I received a notice XX/XX/2023 that the funds were available and able to be accessed ( which they were not ). Then I received another notice XX/XX/2023 that the account would be closed in 60 days. I had called multiple times for answers and have received no news about the {$1000.00} that I had deposited into that account.

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 2024-03-27 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Chexsystems has failed to notify me of the reinvestigation of my dispute of an account by the name of XXXX. I never received any written notice of reinvestigation. That is another violation as stated in 15 u.s code 1681i ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency

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 2024-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I am writing to inform you about an issue I encountered with the Bank of America branch located at XXXX XXXX XXXX XXXX, XXXX, CT XXXX on XX/XX/XXXX. I deposited a total of {$4200.00}, consisting of XXXX {$20.00} bills and XXXX {$10.00} bills, into my account, but only {$4000.00} was credited to my account. 
First, I put some cash into the ATM ( ATM ID : XXXX ) in that bank at around XXXXXXXX XXXX but it was no much for one transaction, so the ATM gave me some cash back. There was something wrong with the machine. It roared for about two minutes and gave my card back, and did not provide a receipt or display the amount deposited.Thus I didn't know how much I saved to my account, and I didn't count the remaining money. 
Second, I went to the bank teller counter to complete the transaction. I gave the remaining cash to the male staff, who put it into a currency counting machine and told me it was {$2500.00}. The receipt shows that I saved it at XXXXXXXX XXXX 
Then I left the bank. I checked the mobile app on my phone and noticed that they only saved {$4000.00} ( {$1500.00} from the ATM and {$2500.00} from the teller counter ) to my account, leaving a discrepancy of {$200.00}. I asked the male staff in the counter who saved for me, but he insisted that I had only given him {$2500.00}. 
I kindly request your assistance in crediting the remaining {$200.00} to my account. I have only the receipt from the teller counter.

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 2024-03-27 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Over the past four years, I have been requesting that this entry be removed from my credit report. They refused to remove this from my credit reports. 

As of the time I am sending this complaint to you, I have again today submitted a request to provide proof that I owe this company or remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: CO

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : XXXX XXXX XXXX  Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 

The vehicle was fully paid off in XXXX XXXX account currently shows as closed on their app

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 2024-03-27 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: CO

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 XXXX XXXX XXXX. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXXXXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. 

The vehicle was fully paid off in XX/XX/2023 account currently shows as closed on their app

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. 

The vehicle was fully paid off in XX/XX/2023 account currently shows as closed on their app

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 2024-03-27 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:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
This request to either amend a specific account currently showing on my personal credit history, may all also request that the account be deleted permanently based upon either legal timeline requirements, or that the account has no legal basis on my credit report to begin with. My request is based upon the following criteria : The FDIC ( XXXX XXXX XXXX XXXX ) set several guidelines during the national pandemic, whereas if financial accounts, be they secured or unsecured, could have been given several months of deferment. While I was not able to work full time during the pandemic, I was never offered a deferment on this specific account. Accordingly, I request that this account either be amended with the deletion of all payment histories, or deleted completely as a professional courtesy. 

Since the legal timeline is almost in play, please delete the account permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Im a victim of identity theft, I requested for TransUnion to investigate the accounts on my credit report that I didnt authorize. The problem is the accounts is still remaining on my credit report after the investigation was completed. Im a victim of TransUnion credit report account neglect and TransUnion have done nothing to remove those accounts from my credit report after I have been in contact all form of ways with them. All the disputed and investigated accounts need to be removed immediately

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 2024-03-27 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: FL

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
I received a notification in my email that a new collection was placed on on my credit report on XX/XX/2024. This collection is by CAVALRY PORTFOLIO SERV which have a reporting date of XX/XX/2024. I am making this dispute because I was not giving the opportunity to contest to this allege debt before it was placed on my credit report. CAVALRY PORTFOLIO SERV is in violation of the FDCPA XXXX USC 1692g ( a ). I didn't receive any correspondence concerning this debt, please ensure that they in fact did by providing any proof that they sent me documents revolving this matter by uploading certified mail with my signature.

Company response to consumer: Closed with explanation