vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-13 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was taken advantage of due to malpractice while your company broke several laws under FCRA. You've hurt my financial ability to attain credit. 15 U.S.C. 6805 was amended by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 to give the CFPB primary responsibility for enforcing the GLBA 's consumer protection provisions for certain financial institutions. Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure were reporting 100 % correct. As you can see on the attachments I've provided for evidence none of the credit reporting agencies have all the same inquiries. The CFPB has issued guidance suggesting that CRAs should not report excessively granular payment history. This emphasizes the need for a balance between providing sufficient information for credit assessment and respecting consumer privacy. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. You Violated the United States Code Law 15 U.S.C. 1681g ( a ) ( 5 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter. No agency shall disclose any record that is contained in a system of records by any means of communication to any person, or another agency, except under a written request by, or with the prior written consent of, the individual to whom the record pertains 5 U.S.C. 552a ( b ). I did not give written or oral consent to any company to disclose any of my non-public personal 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 non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Please refer to complaint # XXXX. 

this message is to advise the CFPB that Bank Of America has not contacted me since the last time they called me to inform me that they had already paid 2 of the fraudulent checks for {$4500.00} each with a total of {$9000.00} as well as an amount of {$3500.00} that was stolen from my checking account. However, they still have NOT PAID for 2 more transactions, one is for another fraudulent check, A THIRD ONE, for {$4500.00} and an authorized withdrawal for {$130.00}. When I realized that they have not paid such Transactions and I had not heard back from them in 2 weeks, I decided to call Bank of America at the phone number they provided ( XXXX ) where I called multiple times and left Multiple messages with XXXX and XXXX the BofA Employees in charged of my case. to be exact I Left a total of 5 messages and they have not called me back nor returned my messages in over 2 weeks. It seems to me they don't want to pay for the other 2 transactions of {$4500.00} and {$130.00} that they still haven't paid for. and they are waiting for the 60 days to pass and expire which makes me very nervous and unhappy! Please see attached documents 3 checks not 2 ) I also called CFPB and spoke to Blanca about this situation but she advised me to wait till the 60 days. 

I have had many negative experiences with Bank of America in the past and I just don't trust the bank anymore! I NEED YOUR HELP TO RESOLVED THIS PLEASE!!! 

Sincerily, 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 monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recieved a check from XXXX XXXX XXXX XXXX ( apartment under XXXX XXXX ca ), with amount of {$11000.00}, and thats is for refund of rental security deposit. 

I deposit the check into my Chase checking account around XX/XX/2023, ( I forget exact date ) Usually the balance should be available in next business day, but it's not. I called customer service, they are the yare holding that check for 10 days. 

On XX/XX/2023, I found that my checking account is being closed On XX/XX/2023, I meet agent in a chase branch, he told me rest of my balance will be mailed to my adress. But {$11000.00} from that check is suspended, and call XXXX later to figure out the reason. 
On XX/XX/2023, I called that number here is their response : " The check is suspicious, so they want to contact the sender. However They can't find sender 's registered number in system. So customer has to provide one to them. '' Here are two issue. First is that the sender ( XXXX XXXX XXXX ) doesn't have a phone to call, they only have email. Second is that the sender also used Chase account to send me the check, and Chase said they can ; t find sender 's information. 
On XX/XX/2023 I called Chase again, they said if I can't provide sender 's registered number, I should let sender issue a stop payment and send me a new check. 
On XX/XX/2023, After I contact the sender ( XXXX XXXX XXXX ), here is original response in email : '' As previously stated, your check cleared our bank account on XX/XX/23. Be advised that we are unable to issue a stop payment on a cleared check. We wish to clarify that if your bank is holding back the funds, then you will need to contact your bank directly regarding the release of funds. Additionally, Chase bank has access to our account and may contact us with any questions they may have. '' Now it's like a circular conversation. Chase want to contact sender. Sender says the check already withdraw money from their account, they can't do anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc.
State: AZ

Complaint narrative:
I had the same company for my business for over XXXX yrs never late on payments I guess at some point when I was having a problem with their product they solved the problem over the phone after a few months the fix that they came up with still wasn't working so I decided to go with another company after I canceled they informed me that when they fixed my problem over the phone that I was agreeing to a new 3 year contract. I guess somewhere in the fine print that I agreed to over the phone stated the new contract but I feel that such a thing as a contract should be explained and you should know exactly what you are signing. In the end I spoke to the as all of the charges they want me to pay are early termination fees I feel as though I was roped into this contract

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$6700.00}

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 non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: TX

Complaint narrative:
To whom it may concern, I'm contacting you with regards to my enter actions via phone with the debt collector and as well as the discussions on how to resolve the debt collection that was first time brought up to my attention via mail.I received a letter from the Iq Data Collection company on XX/XX/2023 .After reviewing the letter I called the Iq Data Collection company and disputed the amount based mentioned in the letter.Despite my respond to the letter before the due date which is XX/XX/2023 I was informed of being reported to the Credit Bureau which has cost me a tremendous damage on my move to my new resident.Up on attempting to resolve the issue of being reported to the Credit Bureau and providing proof of being wrongfully accused of bill collection by the original creditor I spoke to XXXX XXXX who is the representative for the Iq Date Collection who not only consider my concern being reported to the Credit Bureau before the due date on the letter from the Iq Data Collection company I was refused to speaking with a supervisor.Today XX/XX/2023 for the third time I attempted to provide proof of wrong fully accused of bill, reported to the credit bureau XXXX refused to speaking with a supervisor I was also provoked by questions such if I was making threats when clearly I said that the agent was not going to get away with refusing me speaking to a supervisor and the agent getting corrected for violating the policy of Iq Data collection company for the above violations.I 'm asking to please look into this complaints as I'm not able to reach anyone else to address my issue in the Iq Data collection company.Notice please that I have made three attempts and my rights are violated by being reported to the credit bureau before the due date of the letter, refused to speak to a supervisor level and was being provoked for falleselly questioning me of making threats not to mention that I'm being accused of the bill wrongfully and reported to the Iq data collection company which I have proof for being wrong fully accused of bill.I would greatly appreciate your concern and assistance, Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 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: EQUIFAX, INC.
State: WV

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordence with the fair credit reporting act # XXXX..., has violated my rights. 

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.

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 2023-12-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX A Collection From National Credit Systems Was Added To My Account In Collections For XXXX XXXX XXXX In The Amount Of {$1100.00} Ive Spoken To Someone From XXXX XXXX XXXX XXXX Came Up With An Agreement For A Settlement In The Amount Of {$800.00} & That Settlement Was Paid On XX/XX/XXXX As Time Went By I Disputed The Collection Because I Didnt Want It To Show On My Report On XXXX Of XXXX The Same Month They Put It Back Into Collections As If I Owe Them Still I Have Proof Of Payment & When Payment Was Made I Also Have Confirmation From There End

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: FL

Complaint narrative:
XXXX XXXX and XXXX XXXX are FURNISHING LATE TRANSACTIONS on my consumer report and I DEMAND that you exclude the following transactions from my consumer report immediately on the basis of 15 USC 1681a Definitions ; Rules of Construction ( 2 ) EXCLUSIONS-CONSUMER REPORT DOES NOT INCLUDE ( A ) ( i ) report containing information solely as to TRANSACTIONS OR EXPERIENCES between the consumer and the person making the report. I will be collections {$1000.00} per violation on my consumer report per 15 USC 1681n-Civil Liability for Willful Noncompliance if these transactions are not immediately removed! 


I have uploaded my DL for proof of identity ( address will be changed asap ) AND A COPY OF MY LEASE for proof of address so you can STOP stalling by asking for information that I had already sent on multiple disputes via certified mail, which I have proof of!

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 2023-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Synchrony Bank allowed XXXX to charge {$7600.00} from my credit card closed account without my authorization, for furniture that I rejected because was broken and with assembly defects. 
I did not provide my signature on the delivery paperwork. 
I explicitly rejected the delivery and asked the delivery personnel to remove it from my house. I want to emphasize that the delivery was made in the middle of the night wich is unacceptable. 
I contacted the store to solve the problem and they didn't contact me on time. 
I contacted the bank and a customer service agent advised me to remove the furniture from my house. 
I did not accept the delivery, the delivery company left the furniture without my consent. 

I called many times to the bank and they confirmed me that I wouldn't be charged.

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 2023-12-13 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: NV

Complaint narrative:
Formal Complaint Regarding Inaccurate Accounts on My Credit Report I am writing to formally file a complaint regarding inaccurate accounts that have been reported to credit bureaus under my name. After a thorough review of my credit report, I have identified multiple accounts attributed to the Department of Education that are not mine. 

Details of the Inaccurate Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Regarding Inaccurate Accounts on My Credit Report Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally file a complaint regarding inaccurate accounts that have been reported to credit bureaus under my name. After a thorough review of my credit report, I have identified multiple accounts attributed to the XXXX XXXX XXXX that are not mine. 

Details of the Inaccurate Accounts : Account Number : Reported balance {$1500.00} Actual payment amount Date of last payment XX/XX/2023 Account Number : XXXX XXXX XXXX XXXX Reported balance {$850.00} Account Number : XXXX XXXX XXXX XXXX Reported balance {$6700.00} XX/XX/2023 XX/XX/2023 XXXX XXXX XXXX XXXX Reported balance {$3700.00} XX/XX/2023 I strongly believe that I am a victim of identity theft, as I have not opened or authorized these accounts. The presence of these inaccurate entries is causing severe distress and negatively impacting my creditworthiness. 

Steps I Have Taken So Far : I have filed a police report with Identity Theft.gov to report the identity theft. 
I have contacted XXXX, the loan servicer associated with these accounts, to dispute their legitimacy. 
Despite these actions, the inaccurate information persists on my credit report, affecting my ability to secure credit, loans, and other financial services. 

I kindly request the XXXX XXXX XXXX XXXX XXXX XXXX to : Conduct a thorough investigation into the accounts listed above. 
Provide me with a detailed explanation of the origin and legitimacy of these accounts. 
Take immediate corrective action to remove these inaccuracies from my credit report. 
Provide written confirmation once the corrective actions have been taken. 
I understand the seriousness of identity theft, and I am taking all necessary steps to rectify the situation. Your prompt attention to this matter is crucial in restoring the accuracy of my credit report and alleviating the undue stress caused by these inaccuracies. 

I appreciate your cooperation in resolving this matter and expect a timely and satisfactory resolution. If there are any additional forms or documentation required from my end, please do not hesitate to inform me. 

Thank you for your immediate attention to this pressing matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
Venmo wouldn't let me access any of my paycheck from my direct deposit and or anything out of my only account for 7 whole days now. I have no money and every day that I called them they just tell me that they can not do a single thing to help me. I have children to feed and an electric bill that was due which occurred for my electric to be dissconnected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: FL

Complaint narrative:
I bought airlines ticket from XXXX XXXX XXXX to go to XXXX XXXX. I arrived XXXX but my 2 suitcase did not. I field a report with XXXX  XXXX at XXXX airport. 6 days later my 2 suitcase was found and shipped to the address I was staying in but was damaged and missing items. I reported that to the airlines when I returned back home in XXXX but they denied my claim. I reached to my Credit card company US Bank and the refuse to dispute the charges because I used the ticket to travel but I am disputing the misses handling my the delay, damage and missing items. I received no help or compensation from the air lines. I spoke with my travel agency and they said I should get compensation for the delay damage and missing items. More than 6 reversative from the travel agency has contacted the airlines but no one was able to get any respond.

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