vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: CAINE & WEINER COMPANY, INC.
State: MN

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), consumer reporting agencies like XXXX and XXXX are mandated by law to exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I, as the consumer, have the right to ensure my private information is not shared without my explicit written consent. In line with 15 USC 6801, financial institutions have a continuing obligation to protect the privacy and security of their customers information. The law ( 15 USC 1681 section 604 ) states that consumer reports can only be furnished with written instructions from the consumer, which you do not have. I revoke any perceived consentwhether its verbal, written, or implied. Additionally, 15 USC 6802 makes it clear that I have the right to opt out of this process, which I was never informed about. Also, the reporting of adverse information that is older than seven years is prohibited by 15 USC 1681C, and this account falls into that category. You are in violation of the law, and I am formally opting out of this reporting. I demand immediate action to remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Check # XXXX in the amount of {$720.00} from XXXX XXXX XXXX XXXX XXXX was deposited into my Bank of America business account, which is in the name of the XXXX XXXX. The check was written on XXXX XXXX 's account at XXXX Bank. 

The check cleared XXXX XXXX 's bank on XX/XX/scrub> 2024, Bank of America reversed the transaction and withdrew {$720.00} from my account on XX/XX/year>2024. I immediately contacted BOA and on XX/XX/scrub> 2024 the funds were reinstated while BofA conducted their investigation. 

On XX/XX/scrub> 2024, they again removed funds from my account claiming that it was a duplicate deposit and that my check was cashed at XXXX XXXX  on XXXX XXXX, 2024. XXXX XXXX provided me with a copy of the cancelled check, which includes only my endorsement for mobile deposit at Bank of America. It has no reference to XXXX XXXX. 

Since XX/XX/year>2024, I have contacted Bank of America 24 times and received different answeres each time I called. Bank of America has provided no explanation as to how this check could be cashed at XXXX XXXX with only my edorsement for deposit at Bank of America. They claim that they can not get information from XXXX XXXX. I called XXXX XXXX  twice and went to the bank in person to get more information, but they have no record of the check and said that they would deposit the check only if the check presenter has an account with them, which I do not. Bank of America claims that XXXX XXXX  has been non-responsive to their requests for information.

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 2024-09-21 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: General Motors Financial Company, Inc.
State: OK

Complaint narrative:
NOTICED UNAUTHORIZED INQUIRES MADE ON XXXX REPORT XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX WASNT ME I WILL BE DISPUTING THROUGH BUREU. AS WELL

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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 2024-09-21 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Re : Complaint Regarding Unnecessary Hold on a Deposited Check by Fifth Third Bank Dear Sir or Madam, I am writing to file a formal complaint regarding Fifth Third Bank 's prolonged hold on a check deposited into my account, which has caused significant financial hardship. On XX/XX/XXXX, I deposited a payroll check from my employer, which is issued from the same account that previously provided direct deposit payments into my account at Fifth Third Bank. Despite this established relationship, the bank placed an extended two-week hold on my check, making the funds unavailable for an unreasonable period. 

This two-week hold is excessive and beyond the timeframe allowed by federal law. According to Regulation CC of the Expedited Funds Availability Act ( EFAA ), codified under 12 CFR Part 229, banks are generally required to make funds from local checks available within two business days ( 12 CFR 229.12 ), and non-local checks within five business days ( 12 CFR 229.13 ). Furthermore, the Federal Deposit Insurance Corporation ( FDIC ) suggests that a prolonged hold may only be justified under specific circumstances, such as a large deposit or suspicion of fraudulent activity ( 12 CFR 229.13 ( b ) ) neither of which applies in this situation, given that the check is from my regular employer and has been routinely deposited via direct deposit in the past.

Additionally, this situation contravenes the Federal Reserves guidelines on check holds, which advocate for timely fund availability, especially when there is a history of direct deposit payments from the same source.

I believe this hold to be unjustified and potentially in violation of the Expedited Funds Availability Act. The delayed access to these funds has caused me undue stress and financial difficulty, and I am requesting your office investigate the matter to ensure that Fifth Third Bank is complying with federal laws regarding check holds and fund availability. 

Please let me know if you require any additional information. I appreciate your time and attention to this matter and look forward to a timely resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
This company promises to report to all XXXX  credit bureaus. They continue to fail to report to XXXX. There are other customers on XXXX with this issue. I need to speak with an executive to resolve this issue.

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, under section 605C of the Fair Credit Reporting Act. I have given you my identification and the information requested from the list of acceptable items, of which only 2 are required per the Law. I have provided all needed documentation and a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 informationisinaccurate.

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: VA

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: MN

Complaint narrative:
As outlined in the Fair Credit Reporting Act 15 USC 1681 section 602, consumer reporting agencies, including XXXX and XXXX, are legally obligated to ensure they handle consumer information with fairness, impartiality, and a clear respect for privacy. I am the consumer in question, and I have not given written consent for my personal information to be shared or furnished in any manner. Under 15 USC 6801, it is Congress 's policy that financial institutions must safeguard the privacy and confidentiality of customer information. Per 15 USC 1681 section 604, your organization and the consumer reporting agencies involved do not have the required written authorization to furnish this account, and I formally revoke any perceived consentwhether verbal, non-verbal, or implied. 15 USC 6802 further reinforces my right to opt out, yet I was not provided any means to do so. Additionally, per 15 USC 1681C, any adverse information older than seven years can not be legally reported, and this account qualifies as such. You are in direct violation of federal law, and I am formally opting out of your reporting services. I demand this account be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dear XXXX XXXX  XXXX Acct XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

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 2024-09-21 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Re : TDRCSXXXX ; Amount : {$1400.00} To whom it may concern : I am disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ( section 1692g ).

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and /or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. 
I look forward to hearing from you about this specific matter via mail. Please send written communication to the address listed below. 
Sincerely, __________________ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX cc : TdrcsXXXX Please note that New York City Administrative Code 2-190 require all debt collectors to send specific written documentation verifying the debt. These include : o Proofofmyagreementtopaytheoriginalcreditor ; o Acopyofthefinalaccountstatementissuedbytheoriginalcreditor ; o Abreakdownofthetotalamountdue, showingprincipal, interestandothercharges ; and o Forallothercharges, thedateofandbasisforeachcharge. 

Federal Trade Commission Consumer Response Center NYC Department of Consumer and Worker Protection

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX Laws Dear JEFFERSON CAPITAL SYST, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), and XXXX ( a ), as well as XXXX XXXXXXXX XXXX concerning identity theft and consumer protection. 

It has come to my attention that XXXX XXXX XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stated in the FCRA, mandates that consumer consent is required for such reporting activities under Section XXXX ( a ) ( XXXX ). 

Additionally, under XXXX  law, specifically XXXX of the XXXX  Revised Statutes, identity theft is strictly prohibited, including the unauthorized use or misuse of an individuals personal identifying information. The unauthorized access and reporting of my credit information without consent could be considered a violation of this statute, alongside the federal FCRA provisions. 

I assert with certainty that I have not provided consent for JEFFERSON CAPITAL SYST to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for both federal and state laws. 

I demand that JEFFERSON CAPITAL SYST immediately ceases any further reporting of information to my credit report without my explicit consent, as mandated by Section XXXX ( a ) ( XXXX ) of the FCRA and relevant XXXX statutes, including XXXX regarding identity theft. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including identity theft statutes. 

This is a formal demand for compliance with both federal and XXXX  state laws, protecting consumers like myself from unauthorized and damaging credit reporting. I expect your immediate attention to this matter and anticipate that JEFFERSON CAPITAL SYST will promptly rectify these violations, respecting my rights under the law. 

Done in good faith.

Company response to consumer: Closed with explanation