vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: FL

Complaint narrative:
We have received several phone calls from different " debt collection companies '' regarding a credit card debt from the early XXXX where we are told that I will be served a summons to appear in court regarding the debt, most recent was today XX/XX/23 from XXXX XXXX XXXX debt collection. I let them know that I am unemployed and live with my daughter and have no income outside of my Social Security. When I let them know that I knew this was a scam, the guy got belligerent and said that they would just sue. I told him we knew this was a scam and then I hung up. The number I called from is XXXX. They gave me a case number of XXXX. I know this is a scam because a couple of months ago, I was contacted by another company stating the same thing. When I found the company online, I called the number and spoke to the owner. He told me that he has been getting calls from ppl using his company name fraudulently. That company was XXXX debt collection. They said the same thing and then when I called back to let them know I knew it was a scam and that I had reported them to the FTC, the calls stopped until this most recent call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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 want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.

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 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was being charged per day for late fees. With 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 explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
Previously, submitted a complaint through CFPB reference # XXXX. Results came back with creditor stating that *account has been verified and validation documents have been sent to XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX. This address is inaccurate. Address is not mine! * stating that a dispute letter had been received on XX/XX/XXXX, saying that " I believed that my vehicle had been stolen by XXXX XXXX ''. This is false because my letter clearly said " this vehicle had been stolen from me and XXXX XXXX was aware of it " I had personally called and made XXXX aware that vehicle had been stolen by XXXX XXXX I just had no clue where vehicle was at this point. But, I new that vehicle was been tracked by XXXX so it wouldn't be difficult to find it. Therefore, I have not received any validation documents nor the notice to sell the vehicle, deficiency notice, a financial transaction history of the account and a copy of the bill of sale agreement between XXXX and NCB. Accurate address was provided to NCB when dispute had been done XX/XX/XXXX. Account continues to report inaccurate stating open account status by XXXX while XXXX report Closed and 120 days late by XXXX, account status and date open also report inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  {$640.00} XXXX XXXX XXXX XXXX XXXX {$590.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This presents a violation according to the regulations within 15 U.S. Code 1681s-2, which delineates the responsibilities of entities that furnish information to consumer reporting agencies. Prior to its reporting, no written notice regarding the account was provided. Consequently, I am formally requesting the elimination of this account from my credit report, as I contest the validity of the alleged debt. Additionally, this action appears to contravene my rights as outlined in 15 U.S. Code 1681b ( 2 ), which specifies acceptable purposes for consumer reports. The account was reported without my explicit consent, and it seems that my social security information has been utilized improperly. Given my status as an identity theft victim, it is crucial to emphasize that 15 U.S. Code 1681c-2 mandates the blocking of such data without my explicit written authorization. As per 15 U.S. Code 1681a ( 4 ), consumer reporting agencies are obligated to respect my privacy rights. Nonetheless, it is evident that my privacy rights as a consumer have been transgressed, as the information was disseminated publicly without my authorization. Accordingly, I hereby formally insist upon the prompt removal of this account from my credit report.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/07, I contacted Truist Bank to let them know I lost my card at gas station ( XXXX ) over the weekend. The claim was not submitted correctly and all of my transactions were not submitted. 


Claim # 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 monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, 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: 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. 

XXXX XXXXXXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$28.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$720.00}. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$130000.00}. 

I couldn't apply for home loan due to this negative items on my credit report.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. 

XXXX  XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$28.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$720.00}. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

CHILD SUPP Child support with account # XXXX opened on XX/XX/XXXX and a balance of {$130000.00}. 

I couldn't apply for home loan due to this negative items on my credit report.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Acra Intermediate Holdings, LLC
State: CA

Complaint narrative:
I've asked XXXX XXXX and XXXX XXXX in writing to stop emailing me several times. 

XXXX : XX/XX/2023, XX/XX/2023, XX/XX/2023 XXXX : XX/XX/2023 I told them I would report them but they continue to spam me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
on XX/XX/XXXX a dispute was placed with equifax into information on my report that was in correct. I have allowed 30 days and still have not heard anything back from the agency. I wish to have this resolved as soon as possible because im looking to purchase a new car for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to express my deep frustration and dissatisfaction with the uncooperative and non-compliant behavior exhibited by XXXX in addressing a fraudulent item on my credit report. Despite repeated attempts to rectify this matter, XXXX has displayed a blatant disregard for consumer laws, including XXXX XXXX guidelines and CFPB regulations. 

Account Information : Account Name : XXXX Account Number : XXXX Account Type : Charge Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off. {$470.00} written off. {$470.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$470.00} Balance Updated : XX/XX/XXXX Recent Payment : - Monthly Payment : - Credit Limit : {$300.00} Highest Balance : {$470.00} Terms : - On Record Until : XX/XX/XXXX Despite my repeated requests, XXXX has not provided adequate documentation regarding the method of verification for the aforementioned fraudulent item. This refusal to disclose information that directly impacts my financial well-being raises serious concerns about XXXX 's compliance with legal obligations and transparency standards. 

Furthermore, XXXX 's failure to thoroughly investigate and address this issue is a clear violation of my rights as a consumer, as well as XXXX XXXX guidelines and CFPB regulations. I have diligently followed all necessary steps to dispute the inaccuracies and potential fraudulent activity on my credit report. However, XXXX 's reluctance to take meaningful action reflects a lack of commitment to its responsibilities under the Fair Credit Reporting Act. 

I am deeply disappointed by XXXX 's behavior and demand that the Consumer Financial Protection Bureau intervene to ensure that this matter is promptly and appropriately addressed. I kindly request that you thoroughly investigate this case and take necessary actions to hold XXXX accountable for their violations. 

I look forward to your prompt attention to this matter and a swift resolution to rectify the fraudulent item on my credit report. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any additional information or clarification. 

Thank you for your immediate attention to this pressing 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 non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I went to the Bank of America ATM to withdraw cash the ATM kept telling me daily amount exceeded transaction canceled several times then I checked my balance and I was missing XXXX dollars so I called to make a Fraud complaint the fraud clerk didn't canceled my card and send me a new XXXX a few days later the XXXX dollars were gone so I called again a made a new complaint the second fraud clerk told me that the first clerk didn't do her job that's why I lost XXXX dollars yesterday XX/XX/XXXX the bank refunded XXXX dollars but the are denying me the first XXXX dollars of the first complaint because they told me they have video of me getting the cash so I said what do I look like and they gave me complete different person they said I was XXXX wearing a white shirt short sleeve v neck so I said excellent do I have any marks on my chest and arms they said NO I said wrong person because I'm 90 % of body is Coverdale with XXXX and I went in person to Bank to get verified they now know I wasn't the XXXX man with no tattoos but they are still denying me my first XXXX dollar fraud complaint because the first girl who helped me did not clarify as Fraud Bank of America is stealing scamming me of my money that was hacked.

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