vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 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: FL

Complaint narrative:
Okay so I had over {$1000.00} in my account I went to go pull money out not realizing I couldn't pull {$800.00} out but I needed it for my rent money so I went to the ATM at the bank not like a third party and it said it could not dispense the money to me at this time please give it XXXX hours before the funds will be put back in your account so the ATM didn't have the money to give me so I waited XXXX days and still no money back in my account this was on Tuesday the XXXX so we are now on XX/XX/XXXX and I still don't have the money back in my account they declined me getting a reimbursement on the money until they resolve it through the claims department I should have been reimbursed right away saying as the ATM never gave me my money I never got any money but they took the money out of my account so now my money is floating in the air somewhere and I can't pay my rent I am acquiring {$50.00} in late fees a day on my rent until it gets paid they are telling me I won't have it until the XXXX which is way far away from now I asked for temporary funds to be put back in my account until the claim is handled they didn't do that either they declined that which I don't understand because again it was an ATM of theirs that didn't have the money to give me not my problem their problem and I'm still now waiting on my money and acquiring {$50.00} in late fees until I get that money and they're not going to pay my late fees I'm going to have to pay them even though I had the money to pay them before the first I have called multiple times they're telling me there's nothing they can do they expedited the claim they said it's still not going to be done till the XXXX even though they expedited it again makes no sense Bank of America is the worst bank I have ever banked with I have several other Banks and I've never had a problem like this they're ATM never dispense my money I never got any money and now I don't have any money and they won't give me my money. My lesson learned is if you're using an ATM at a bank especially Bank of America and it says it can issue the funds immediately go inside the bank and let them know don't listen to the ATM that tells you XXXX hours and it was the XXXX so I still had a couple of more days I waited XXXX hours and still my money never got returned I'm almost a week later and still don't have any of my money and they won't issue temporary funds does it make any sense does it don't use Bank of America!

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 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Payactiv, Inc.
State: NV

Complaint narrative:
I notified my debit card name of Payactiv account services of an unauthorized transaction while they were still pending the same day that I noticed it had charged to my account. They proceeded to open a dispute and issue a new card. Sometimes passes in and they request evidence and I sent them my full XXXX XXXX transaction history as it was an XXXX XXXX transaction therefore transactions that I would have made would appear on it. However they decline and said that I would need to provide new forms of documentation, and I continue to do so as I provided more insight on all my transactions. They have not been very transparent nor understanding and helping me with an unauthorized transaction. I have been very persistent in trying to work things out with this debit card company the Payactiv once again. However, I feel like I am being out of my funds as they do not provide any insight or evidence on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
This collection account opened on XX/XX/XXXX, is currently marked as past due for {$2400.00} as of XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I DEMAND Midland Credit Management to immediately CEASE and DESIST all Collections actions with me. I confirm that I received a written communication from you dated XX/XX/2024. Where in you make a reference to the above captioned matter. It is apparent that you are acting on the presumption that we had a contract or agreement. I am unaware of this contract or agreement between Midland CreditManagement and XXXX XXXX XXXX. I dont understand how to respond to you in as much as I am unaware of any contract relationship between us.Collection activity includes furnishing any information on this subject matter to any consumer reports, There should be no publication or advertising of any kind until the dispute is resolved pursuant to 15 U.S. Code $ 1666a ( a ), 12 CFR 1006.6 ( c ) ( 1 ), 15 USC 1692 ( c ) c and FederalDebt Collection Practices Act ( FDC PA ) .15 U.S. Code 1692e.Aggravated Identity Theft and they are in violation of Federal Debt Collection Practices Act ( FDC PA ). 15 U.S. Code 1692e - False or misleading representations and multiple violations of Federal Debt Collection Practices Act ( FDC PA ), violation of Privacy, fraud, False or misleading representations, Defamation of character, extortion, mail fraud, Slandering, Libel and Racketeer. debt. A debt collector does not have the right to communicate without a prior written consent period. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 15 U.S. Code 1692 B ( 2 ) does not state that such a consumer owes any debt. I DEMAND Midland Credit Management to immediately CEASE and DESIST all Collections actions with me. With this notice, under the law, you can now only contact me to : 1. To advise me that your company further efforts are being terminated. 2. To notify me that your company may invoke specified remedies which are ordinarily invoked by such debt collector or creditor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these inquiries am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: SC

Complaint narrative:
Account # XXXXXXXX XXXX XXXX XXXX This is not my 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 non-monetary relief
Consumer complaint received 2024-04-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I would like ( Capital One ) to stop sharing my nonpublic personal information with nonaffiliated third parties, including the consumer reporting agencies : XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I noticed several unauthorized inquiries on my credit report that I would like removed Inform them that according to the FCRA these unverified and unauthorized items must be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I noticed several unauthorized inquiries on my credit report that I would like removed Inform them that according to the FCRA these unverified and unauthorized items must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Identity stolen and some charges to my account I didnt make.Send email to customer service no response

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I found that there are some hard inquiries on my credit report that I did not authorize from XXXX  XXXX, XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: TX

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. This is regarding CFPB complaint XXXX that was sent to Experian on XX/XX/XXXX in which there was never a response sent to me- the complaint is still open. Experian was informed that the XXXX accounts with the DEPT OF EDUCATIONXXXXXXXX  that are reporting late payments in XX/XX/XXXX is not correct. I was never late on this account. Experian and the creditor have not sent any proof of the account ever being late such as the bank transactions. I have sent proof of my bank transactions showing that my payments were on time, yet the late payments are still reporting. XXXX and XXXX have since deleted the XXXX accounts and I am requesting that Experian follow suit. Please take notice that this complaint is a notice of pending litigation due to FCRA violations and gross misconduct. I will attach the dispute letter, which is dated, and time stamped along with my credit report showing the accounts that are to be removed. Lastly, under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. Remove the following accounts from my credit report immediately : DEPT OF EDUCATIONXXXX XXXX {$4000.00}, DEPT OF EDUCATION/XXXX  XXXX {$2400.00}, DEPT OF EDUCATIONXXXX XXXX {$460.00} XXXX DEPT OF XXXX XXXX {$700.00} XXXX DEPT OF EDUCATIONXXXX XXXX {$1900.00}.

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 2024-04-03 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed account not reporting properly and accurately! I have a late payment on my account and was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy! This account has not been late on payments. Ive attached a copy of my credit report to this complaint on the following dates XX/XX/2024. Im requesting you investigate and provide verifiable proof with records showing that i had late payments. If this cant be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding

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 2024-04-03 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 recently reviewed my credit report and noticed account not reporting properly and accurately! I have a late payment on my account and was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy! This account has not been late on payments. Ive attached a copy of my credit report to this complaint on the following dates XX/XX/2024. Im requesting you investigate and provide verifiable proof with records showing that i had late payments. If this cant be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: PA

Complaint narrative:
According to FCRA 605B, we're required to expunge any erroneous accounts from my credit report. Could you double-check the documents? Several listed accounts are inaccurately reported, with discrepancies in amounts and dates.

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 2024-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: AL

Complaint narrative:
The car was taken by law enforcement & sold never wanted to give me a chance plus the payment where high over 10 years ago they are not open anymore

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 2024-04-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
BEST BUY SCAMMED ME OUT OF XXXX and RUINED MY credit!!! I called XX/XX/2024 notifying them that these charges were not made by me and yet they still ruined my credit and arent doing ANYTHING to remove it off my credit! I will speak to a lawyer for 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 monetary relief
Consumer complaint received 2024-04-03 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: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
noticed several unauthorized inquiries on my credit report that I would like removed Inform them that according to the FCRA these unverified and unauthorized items must be removed. ''

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 2024-04-03 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: IL

Complaint narrative:
Subject : Dispute of Account - XXXX XXXX XXXX To whom it may concern, I am writing to address my deep dissatisfaction and concern regarding the handling of the XXXX XXXX XXXX account

information on my credit report. It has recently come to my attention that there are multiple apparent violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. I hereby demand immediate action to rectify these discrepancies. I formally request a comprehensive debt validation process, encompassing the following details : Original Contract : Kindly furnish a complete copy of the original contract between XXXX XXXX XXXX and myself pertaining to the account in question.


Original Creditor : Clearly state the name and contact information of the original creditor associated with this account. Original Open Date : Provide the precise date on which the XXXX XXXX XXXX account was initially established.

Date of Last Payment : Specify the exact date of the last payment made concerning this account.

Date Account Was Closed : Indicate the date on which the XXXX XXXX XXXX account was officially closed, if applicable.

I am fully aware of my rights under the FCRA, and it is apparent that XXXX has failed to meet its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to this matter.

Failure to comply with this request within XXXX days from the date of this letter will leave me no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter a formal notice of my intention to do so.

I anticipate a timely response, including the requested documentation, to be sent to the provided address. Furthermore, I expect any necessary corrections to my credit report to be promptly implemented. 

Sincerely, XXXX XXXX XXXX and wire fraud, negative status and charged-off accounts, extortion, and lack of validation are issues that need to be addressed promptly.

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