vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 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: DISCOVER BANK
State: VA

Complaint narrative:
Im in the military service, I went to XXXX since XX/XX/year> and came back to XXXX XXXX XX/XX/year> ; before depart to XXXX I set up auto payment in all of my credit cards to avoid any issue, but for any reason by XXXX dollars I was owing in the Discover credit card I was reported and my credit score was down for more than XXXX points, I noticed this when I was getting my loan for buying a house, it was the lender who let me know I had low credit score and so was affecting the rate they could give me. I paid the debt and I called them from XXXX of the ports we were during the XXXX and they said they couldnt do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have attempted to dispute this account multiple times ; however, it continues to be reported as verified. Despite my efforts, neither the credit union nor the company involved has provided any relevant documentation or information substantiating their claim that this debt is mine.

I believe that without the proper verification and supporting evidence, this account should not be reported against my credit. I kindly request that the CFPB intervene in this matter to ensure that my rights are protected and that proper regulations are being followed regarding debt verification processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: FL

Complaint narrative:
Information reported by credit bureaus are fraudulent and incorrect

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 2024-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am filing this complaint regarding Claim # XXXX with Bank of America for a disputed transaction totaling {$600.00} paid to XXXX via XXXX. 

While I authorized the transaction, the services I paid for were never delivered. The claim was mishandled by Bank of America and filed incorrectly as an unauthorized transaction instead of " services not received. '' Key Details of the Issue : Authorized Transaction, No Services Delivered : I authorized the transaction to XXXX via XXXX. However, the services I paid for were not delivered as promised. 
Account Compromise and Fraudulent ActivitXXXX : XXXX compromised my XXXX account and created fraudulent accounts within the XXXX gaming system, resulting in permanent bans on all my gaming accounts. 
Deceptive Practices and Harassment : XXXX harassed me via unsolicited emails, pressuring me to close disputes in exchange for services that violate XXXX terms of service. 
Misfiled Claim by Bank of America : XXXX confirmed that this dispute should have been filed as " services not received. '' Bank of America incorrectly categorized my claim as " unauthorized transaction, '' which has prevented proper resolution. 
Business Account Closure : As a result of mismanagement of my claims, my business account was unexpectedly closed, causing significant disruptions to my business operations.

Resolution Sought : I am requesting the following : A full refund of {$600.00} to my account.

Acknowledgment that this claim was misfiled and mishandled from the beginning.

Assurance that similar errors will not occur in the future.

Supporting Documentation : I have attached : The original dispute letter sent to Bank of America.

Bank of Americas denial response. 
Communication records with XXXX and XXXX. 
Why This Matters : This situation is not just about a refund. It involves deceptive business practices, account compromise, harassment, and a mishandled claim process by Bank of America. 

I trust that the CFPB will review this matter carefully and ensure that I receive a fair resolution. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Phone : 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 2024-12-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BYS, LLC. d/b/a Boost Your Score
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Illinois, XXXX Dear XXXX XXXX, This letter is being sent to you in response to a recent charge of {$650.00} that was made on my credit report that I do not recognize. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I wrote a check for {$11000.00} from my Bank of America account to XXXX XXXX  to pay off a second mortgage. The check was then returned back to Bank of America with no explanation and they have not service they have not serviced The check and now my payment is late to XXXX to pay off the second mortgage. They were very rude on the phone. They couldnt find a solution. The money was in the account and they returned the check back and said something about that. The check was a fraud check When it was a perfectly good check. I want to XXXX to publish this description on consumer

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to ensure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent inquiries be deleted from my credit report immediately. Please remove it from my credit report or I am seeking litigation, please delete it. 

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

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I recently reviewed a copy of my credit report and Ive noticed accounts that are fraudulent. I am requesting these accounts to be removed because they are hurting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: NJ

Complaint narrative:
I am enclosing a copy of a questionnaire ( with my social security redacted ) that must be completed and signed under penalty of perjury by the Legal Department. It is also being sent via e-mail and certified mail.

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 2024-12-28 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: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
XX/XX/year> they have wrong charge {$10000.00} on my account .I contacted the customer service before and asked why the money was deducted, they say The bank did not honor the {$10000.00} ACH deposit that was submitted on XX/XX/XXXX. Since the transaction was not paid by your bank, the transfer amount requested of {$10000.00} was debited from your history! I have deposited {$10000.00} on XX/XX/year>, they have charged back {$10000.00} on XX/XX/year>, because ACH deposits Automatic clearingFor deposits, check that your bank is eligible for transfers ( sufficient balance ).

If your deposit is reversed, well send you an email. Any Instant Deposit money you received from this deposit will be removed from your account balance. In some cases, well unlink your external account after multiple reversals. I have statements can show! So I dont know why charge me {$10000.00} on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: PA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: PA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Complaint Against XXXX for Improper Handling of Reinvestigation Request Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Transunion regarding their handling of my " Request for Reinvestigation and Detailed Description of Verification Methods. '' On XX/XX/year>, I submitted a comprehensive request to Transunion to reinvestigate inaccuracies on my credit report and to provide a detailed description of the verification methods used. However, XXXX rejected my request, stating that proper identification was not provided. 
I strongly believe that this rejection is unwarranted and constitutes a procedural failure on the part of XXXX. Enclosed with my original request were the following documents : 1. A signed and dated dispute letter outlining the inaccuracies on my credit report. 
2. Copies of my credit reports from TransUnion, XXXX, and XXXX highlighting the disputed items. 
3. A copy of my government-issued identification ( driver 's license ).

4. A copy of my Social Security card.

5. A recent utility bill verifying my current address.

6. Any additional supporting documents substantiating my claims.

I have thoroughly reviewed Transunions guidelines for submitting disputes and ensured that all required documentation was included. The claim that proper identification was not provided is incorrect and has resulted in an unnecessary delay in resolving my credit report inaccuracies. 
Violations of Law I believe that Transunion 's rejection of my request and the subsequent delay violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 1. 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) : This section requires that credit reporting agencies conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information.

2. 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ) : This section mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section states that 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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My info was exposed in a data breach by multiple companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: SC

Complaint narrative:
1. A copy of the original contract or original purchase agreement that created the alleged debt with your company. 
2. In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each chain of ownership. 
3. Also include a full accounting history from the original creditor including the date and amount of each payment and the Date of First Delinquency leading to the collection status 4. If any interest or fees have accrued or been added on the balance, please send proof that such fees are lawful agreed upon in the original purchase agreement. 
5. Proof that you are legally allowed to collect on alleged debts in the state of South Carolina including your Third-Part Debt Collection Bond. 
6. Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking your firm maintains.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Complaint Summary : I am filing this complaint against XXXX XXXX for fraudulent and deceptive practices regarding the collection of alleged debts. Their actions violate federal laws, including the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and contract law principles, including the requirement for proper verification and equal consideration. These violations have caused significant financial harm, emotional distress, and reputational damage. 

XXXX. Improper and Unlawful Collection Practices XXXX Funding has engaged in improper and unlawful collection practices, including the following : Failure to Provide Verification : XXXX Funding has failed to provide legally required verification of the alleged debt under 15 U.S.C. 1692g. Copies of billing statements or generic account summaries do not constitute verification. I demand a copy of the original contract or promissory note bearing my wet signature. Without this, any attempt to collect is fraudulent. 

No Proof of Consideration : XXXX XXXX has not demonstrated that any lawful consideration was extended for the creation of this alleged obligation. As the grantor and originator of the funds through my signature, I assert that no valid debt exists. 

Violation of FDCPA ( XXXX ) : Misrepresenting the validity, character, and enforceability of the alleged debt constitutes a deceptive practice. Attempting to collect on a debt without proper proof or validation is both illegal and fraudulent. 

XXXX. Fraudulent and Misleading Claims XXXX XXXX is attempting to collect on an alleged debt that is unenforceable due to lack of lawful consideration and proper verification. Specifically : Fraudulent Origination : As the original transaction relied solely on my signature to create the funds, XXXX XXXX has no standing to enforce or collect this alleged obligation. 

False Representation of Ownership : XXXX XXXX has failed to provide evidence of lawful assignment or ownership of the alleged debt. Without this, any collection attempts are unlawful and deceptive. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX has reported this alleged debt to credit reporting agencies without proper verification. Negative credit reporting is being used as a method of harassment and communication, which is prohibited under the FDCPA. These actions constitute : Violation of FCRA ( XXXX ) : Reporting inaccurate, unverifiable, or fraudulent debts to credit bureaus is unlawful. 

Defamation : Reporting false debts to credit bureaus harms my reputation and creditworthiness. 

XXXX. Emotional Distress and Financial Harm The actions of XXXX Funding have caused : XXXX XXXX XXXX due to XXXX  and XXXX  XXXX. 

Financial harm, including lost opportunities due to negative credit reporting.

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