vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 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: OH

Complaint narrative:
I am writing to file a complaint regarding inaccurate information being reported on my credit report by XXXX, XXXX and Transunion. I have disputed this information multiple times with the credit reporting agencies, but despite my efforts, the issue has not been resolved. Additionally, I have contacted the company directly requesting verification of the debt, but they have failed to provide the requested documentation or correct the information. 

Here are the details : Disputed Information : The inaccurate information involves an account with XXXX XXXX ; an incorrect balance, wrong account status, incorrect dates of activity. 
Actions Taken : I disputed the information with the three credit reporting agencies on XXXX, XXXX and XXXX, but the agencies have not resolved the issue. I also contacted XXXX XXXX directly to request verification of the debt, including account statements, proof of debt and the original contract, but I have not received all documentation or a satisfactory response. 
Request for Documentation : I specifically asked XXXX, XXXX and Transunion for proof of the debt and supporting documentation, but they have failed to provide any such information. Despite this, the inaccurate information remains on my credit report. 
I am requesting that the Consumer Financial Protection Bureau assist in resolving this issue, as the credit reporting agencies and the company reporting the debt have failed to properly investigate or substantiate the inaccurate information. I believe this is a violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this dispute.

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 2024-11-23 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: OH

Complaint narrative:
I am writing to file a complaint regarding inaccurate information being reported on my credit report by XXXX, Equifax and XXXX. I have disputed this information multiple times with the credit reporting agencies, but despite my efforts, the issue has not been resolved. Additionally, I have contacted the company directly requesting verification of the debt, but they have failed to provide the requested documentation or correct the information. 

Here are the details : Disputed Information : The inaccurate information involves an account with XXXX XXXX ; an incorrect balance, wrong account status, incorrect dates of activity. 
Actions Taken : I disputed the information with the three credit reporting agencies on XXXX, XXXX and XXXX, but the agencies have not resolved the issue. I also contacted XXXX XXXX directly to request verification of the debt, including account statements, proof of debt and the original contract, but I have not received all documentation or a satisfactory response. 
Request for Documentation : I specifically asked XXXX, Equifax and XXXX for proof of the debt and supporting documentation, but they have failed to provide any such information. Despite this, the inaccurate information remains on my credit report. 
I am requesting that the Consumer Financial Protection Bureau assist in resolving this issue, as the credit reporting agencies and the company reporting the debt have failed to properly investigate or substantiate the inaccurate information. I believe this is a violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I opened a brand new checking account today ( XX/XX/year> ) with Bank of America but the bank has somebody elses email address associated with my new bank account. The email address is preventing me from receiving authorization codes to verify my identity and gain access to my online account because the codes are being sent to somebody else and not me. 

I dont recognize the email address so its either a very old email address that I used on an old Bank of America account years ago and deleted when I closed my Bank of America account or its somebody elses email address. In either case it doesnt belong to me and shouldnt be associated with my brand new Bank of America account. Its not the new email address I provided when opening my new bank account. 

The screenshots I included in this complaint proves that I verified my Bank of America account using a XXXX account, but the verification codes are being sent to an XXXX account. 

I called Bank of America to report the problem but they told me its nothing they can do about it. Bank of America is refusing to remove somebody elses email address from my account and is putting my account at risk of being hacked and all of my money stolen. 

The email address might belong to the personal banker who opened my new bank account. A Bank of America personal banker is trying to steal my money.

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Havent been able to get into my equifax account now for probably a year. 
I've tried to talk to them in the past and waited over an hour on hold only to get told there's no one available and my call is dropped. 
was finally able to talk to someone today ( XX/XX/year> ) at about XXXX. 
I think their name was XXXX. I explained that I've already tried to reset passwords and create a new account with different email. 
i always get a message saying " We are temporarily unable to complete this request. Please try again later. '' She had me download a different browser and do an account recovery password reset did this and got the same message was told they were doing some other kind of account reset and i would have to wait XXXX hour before i could try to login again tried to login around XXXX and says password is wrong went through the process to reset password again password reset was successful still says " We are temporarily unable to complete this request.Please try again later. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Dear Creditors Representative I am writing regarding my account with your institution, I recently noticed that the account has been reported as charged off for {$460.00} of XX/XX/ on my credit report. I would like clarification regarding this matter. 

Please provide the following details : 1. Confirmation of the charge-off status of the account.

2. The amount that has been charged off.

3. Whether the debt has been transferred or sold to a collection agency. If so, provide the name and contact details of the agency.

4. Options available to resolve the debt, including the possibility of payment arrangements or settlements.

I am eager to resolve this matter responsibly and request that you provide any supporting documents and information regarding the outstanding balance. 

Thank you for your attention to this matter. Please respond in writing to the address listed above or contact me via email at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 1. online information XXXX XXXX. XXXX XXXX XXXX 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 2024-11-23 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 1. online information XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: NY

Complaint narrative:
XXXX : ** Dispute of Fraudulent Accounts Dear To Whom It May Concern ], I am writing to formally dispute the following accounts that appear on my credit report as fraudulent. I did not open these accounts, nor did I authorize anyone to do so on my behalf. Additionally, I have been living outside the United States since 2017 and could not have opened or used these accounts. 

The accounts in question are as follows : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$5200.00} XXXX. **Bank XXXX XXXX XXXX {$37000.00} XXXX. XXXX XXXX XXXXXXXX XXXX {$62000.00} XXXX. XXXX XXXX XXXX {$22000.00} These accounts were opened and used without my knowledge or consent, and the associated balances and activity are fraudulent. Your institutions failure to properly verify the identity of the individual ( s ) opening these accounts has caused significant harm to my credit report and financial standing.

Under the **Fair Credit Reporting Act ( FCRA ) ** and other applicable laws, I am requesting the immediate investigation and removal of these accounts from my credit report. I expect a response within **30 days**, as required by law. Failure to act within this timeframe will leave me no choice but to pursue legal action to hold your institution accountable for the damage caused by your negligence. 

To assist with your investigation, I am enclosing : - A copy of my government-issued ID ( e.g., passport ) - A copy of my credit report highlighting the fraudulent accounts Please confirm in writing that these accounts have been removed from my credit report and that no further collections or negative reporting will be associated with them. 

I trust this matter will be resolved promptly. Should you require further information or documentation, you may contact me via phone at XXXX Thank you for your attention to this urgent matter. 

Sincerely, 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 explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
Subject : Request to Remove Incorrect Interest Charge and intentionally misallocated payments despite customer request I made three charges with Care Credit : {$1900.00} on XX/XX/XXXX, {$150.00} XX/XX/XXXX, and {$750.00} on XX/XX/XXXX, totaling {$2800.00}. 

I am writing to address an additional {$28.00} in interest that was added to my account on the XX/XX/XXXX billing statement. Please remove this charge and adjust my account balance to {$0.00}. 

This issue is part of an ongoing pattern of intentionally misallocated payments despite my repeated requests for specific allocations. Since May, I have contacted Care Credit multiple timesvia phone and chat ( in XXXX, XXXX, XXXX, XXXX, and XXXX times in XXXX ) to ensure payments were properly applied. Each time, I was given inconsistent or inaccurate information and advised to wait XXXX billing cycles for adjustments. Meanwhile, I have continued to be charged interest. Their app and online statements ( they no longer send paper statements without an additional fee ) never match. As of today, they reactivated the paid off {$150.00} XX/XX/XXXX purchase and added {$26.00} of interest, ( app screenshot attached ). They converted the paid off charge of {$750.00} from paid off to a regular transaction, zeroed out the initial purchase amount, and have resumed charging interest ( now at {$6.00} ) They also changed the {$750.00} XX/XX/XXXX charge date to XX/XX/XXXX which is incorrect. I have asked Care Credit to allocate my payments to these two purchases on many occasions over several months but this is what continues to happen. 

To date, I have paid Care Credit {$2800.00}. I request that the {$28.00} ( reflected on my XX/XX/XXXX billing statement ) and any other pending fraudulent interest charges be removed immediately to resolve 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 2024-11-23 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: OK

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 explanation
Consumer complaint received 2024-11-23 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2024-11-23 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: MD

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-11-23 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: NY

Complaint narrative:
XXXX*Subject : ** Dispute of Fraudulent Accounts Dear To Whom It May Concern ], I am writing to formally dispute the following accounts that appear on my credit report as fraudulent. I did not open these accounts, nor did I authorize anyone to do so on my behalf. Additionally, I have been living outside the United States since XXXX and could not have opened or used these accounts. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$22000.00} These accounts were opened and used without my knowledge or consent, and the associated balances and activity are fraudulent. Your institutions failure to properly verify the identity of the individual ( s ) opening these accounts has caused significant harm to my credit report and financial standing. 

Under the **Fair Credit Reporting Act ( FCRA ) ** and other applicable laws, I am requesting the immediate investigation and removal of these accounts from my credit report. I expect a response within XXXX days**, as required by law. Failure to act within this timeframe will leave me no choice but to pursue legal action to hold your institution accountable for the damage caused by your negligence. 

To assist with your investigation, I am enclosing : - A copy of my government-issued ID ( e.g., passport ) - A copy of my credit report highlighting the fraudulent accounts Please confirm in writing that these accounts have been removed from my credit report and that no further collections or negative reporting will be associated with them. 

I trust this matter will be resolved promptly. Should you require further information or documentation, you may contact me via phone at XXXX Thank you for your attention to this urgent matter. 

Sincerely, 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