vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hello, I met with this person online, as I had posted ad to find a roomate.. 
This person sent me his Drivers license ( Attached ) and we text and exchanged emails and even talked couple times but never saw him, I needed {$1600.00}, but he made some story about how his employer will pay me and sent me check worth {$3900.00} I deposited check and waited for approval, and in 24 hours I could see the money in my account so I thought check is valid.. 

So I XXXX  him {$2300.00} back, But after 2 days I saw bank cancelled my check stating it was not a legit check, when I text him about this, he sent me another check worth {$3900.00}, which was also fake ( Attached ) and now I cant reach him for 3 days I went to Bank of America but they DIDNT HELP AT ALL, and kept saying that amount I saw credit amount and not real, and it takes them XXXX days to clear check, which I was unaware of but didnt care and CLOSED MY ACCOUNT which still had {$1000.00}, which they refused to give till XXXX XXXX. Absolute bullying by BANK.. 

I reported police complaint already, and needed your help on how to get my money back.. 

I can send you more details as well if you wish.. 

Thanks

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 2024-02-02 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: FL

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion : While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific quesons asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Approximately XX/XX/XXXX, I had gone to the XXXX, Tx Lowe 's to purchase an XXXX  XXXX 's BBQ grill. The sales associate that helped me with the purchase explained the benefits of using Synchrony Bank credit for this purchase. The application was completed and I was approved. A temporary card was issued and I used it for this purchase ( Account XXXX XXXX XXXX XXXX XXXX ). Further, I had no intention of using the card, so it was put away in a drawer. 
Shortly thereafter, I received the Lowe 's statement and elected to pay it in full in the amount of $ XXXXUSD by XXXX XXXX XXXX XXXX check # XXXX. This card was not used for any additional charges. 

In the spring of XXXX, I noticed correspondence that I initially dismissed as I had not made any purchases using that line of credit. When I contacted Synchrony Bank concerning this account, they were unable to provide any information concerning the new charges. I stated that I had made no purchases beyond the initial purchase in XX/XX/XXXX and if this account was being used fraud gently, that the account be closed and NO cards were to be issued for any reason. 

XXXX XX/XX/XXXX Synchrony Bank issued a letter indicating they were examining the situation. 

XXXX XX/XX/XXXX Synchrony Bank issued a letter that I was cleared of whatever charges there were and that I had not made the purchase in question. 

In addition, a second card ( Account XXXX XXXX XXXX XXXX XXXX ) that I was not aware of was received in the spring of XXXX. And it is on this account that unknown charges were made too. I have received no documentation other than a demand for payment. 

Sychrony Bank admits that a charge of {$480.00} was made in XX/XX/XXXX and was paid in full in XX/XX/XXXX with no additional activity.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Company Name : SYNCB/Walmart XXXX I recently ran a credit report and this account shows under my name. 
It seems that is not correct since I do not have anything under the account # that they have on file.

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 2024-02-02 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: MI

Complaint narrative:
unverified inquiries on my credit report. These companies have not demonstrated any permissible purpose, and it is questionable whether they have actually checked my credit, as they have failed to show any record of me on file. This could potentially be a clerical error on your part, and I demand an immediate investigation into these inquiries.

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 2024-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-02-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  account, XXXX XXXX XXXX XXXX account, DEPT OF ED / XXXX has violated my rights : 15 USC 1681 Section 602 A Section ( 4 ) States I have the right to privacy. " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. " 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. '' 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose. " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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 accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  credit card account, XXXX XXXX XXXX  mortgage account, DEPT OF ED / XXXX has violated my rights : 15 USC 1681 Section 602 A Section ( 4 ) States I have the right to privacy. " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. " 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. '' 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose. " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ''

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 2024-02-03 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: TX

Complaint narrative:
per the FCRA as a federally protected consumer I am now opting out any & all authorization i the consumer may have given written, unwritten, verbal & non verbal with regards to selling, trading & reporting my personal information per 15 USC 6802 Obligations with respect to disclosures of personal information, As well as XXXX Form of opt out notice to consumers ; opt out methods, with said company " XXXX '' I the consumer have given notice for XXXX to discontinue reporting & selling of my information to third partiesl ; WHICH IS A VIOLATION OF YOUR PRIVACY RIGHTS UNDER THE PRIVACY ACT OF 1974

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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:
per the FCRA as a federally protected consumer I am now opting out any & all authorization i the consumer may have given written, unwritten, verbal & non verbal with regards to selling, trading & reporting my personal information per 15 USC 6802 Obligations with respect to disclosures of personal information, As well as XXXX Form of opt out notice to consumers ; opt out methods, with said company " XXXX '' I the consumer have given notice for XXXX to discontinue reporting & selling of my information to third partiesl ; WHICH IS A VIOLATION OF YOUR PRIVACY RIGHTS UNDER THE PRIVACY ACT OF 1974

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 2024-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2024-02-02 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: OH

Complaint narrative:
I received a notice on XX/XX/XXXX  that a hard inquiry had been done on my Transunion account. The hard inquiry was for a new credit card. I also received emails from XXXX XXXX  that a credit card was approved in my name. I went to a XXXX XXXX and told them that I did not apply for a new card. I have never had any kind of accounts with XXXX XXXX. I do not believe that any charges were made as I received an email from XXXX XXXX  stating that the card would be received in 5-7 business days. The card was approved for a credit limit of {$15000.00}. 

XXXX XXXX  called their fraud department, and the credit card has been stopped. 
I have also called Transunion and have requested a 1-year fraud alert on my account. I have also gone to my bank ( XXXX XXXX  ) to let them know what happened. I am also filing a report with my local police department. 

I have also contacted the Social Security Administration to let them know my SSN was compromised. 

My big concern is that XXXX XXXX  had all of my pertinent information to include my name, email address, home address, and my social security number.

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 2024-02-02 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: TX

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 non-monetary relief
Consumer complaint received 2024-02-02 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: AZ

Complaint narrative:
I checked my consumer report and I found out that XXXX XXXX XXXX XXXX whose address is XXXX XXXX XXXX XXXX XXXX. XXXX, TX XXXX and phone number ( XXXX ) XXXX, is listed as a debt collector and is committing adverse action by reporting inaccurate, unauthorized information in my consumer report ; I never contract with them, and I did not provide written, not written, implied nor expressed consent, permission or instructions to them to make them assume that I wanted to contract with them in any way ; furthermore, I never provided my personal identifiable information to the above mentioned company to implied that I wanted to do any type of business with them, however, they are harming my name and reputation by reporting a collection on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: GA

Complaint narrative:
Lack of Verification : ** Despite my request Credit Control LLC has failed to provide substantive evidence validating the authenticity of the alleged debt. This lack of verification is a direct violation of my rights under the FDCPA. 2. **False or Misleading Representations : ** Credit Control LLC has made misleading statements and threats regarding potential legal actions and negative credit reporting. These actions violate the FDCPA 's provisions against false or deceptive representations. I Never lived or been associated with the address that was provided I am a victim of identity theft Also Ive been with XXXX XXXX XXXX  these past few years

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 2024-02-02 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: NY

Complaint narrative:
I have a XXXX  XXXX XXXX charge off credit card on my credit reports account number ending with XXXX that does not belong to me. I recently received my Social Security almost a year ago and tried to open my first credit card, but when I saw my credit report, there was an unknown charge of collection on my credit reports that is from 2020 which I dont even know. I tried contacting XXXX  XXXX XXXX multiple times, and when I give them my Social Security number they are unable to pull up anything. This means that this charge off does not belong to me.. I am already preparing a lawsuit against XXXX  XXXX XXXX and if XXXX and Equifax does not remove these charge off XXXX  XXXX XXXX from my credit reports, I am going to file a lawsuit against as well because this is a fraudulent identity theft charge, which does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Per the FCRA as a FEDERAL PROTECTED CONSUMER I am now given you written and nonverbal per 15usc 6802 now and forever.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Per the FCRA as a FEDERAL PROTECTED CONSUMER I am now given you written and nonverbal per 15usc 6802 now and forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My information has been improperly used. Now my credit report has this item that is not 100 % accurate. To make matters worst, my credit card limits got reduce because this inaccurate item is hurting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is in reference to Complaint ID XXXX and XXXX I fail to understand if the Company is actually reading what I am complaining about!!!! 

I am NOT ASKING TO REMOVE... I understand that for history logs it must remain on file. 

I am asking for it to be NON DISPLAY ... as was requested by the vendor THREE TIMES since XX/XX/XXXX- and yet Equifax is not changing it to NON-Display and claims it never received any correspondence from the vendor ( attached document ) If the Vendors response ( attachments included and are cced to CFPB by vendor ) ... each time they state " We have confirmed that a request to Equifax was made on XX/XX/XXXX, to change the XX/XX/XXXX, inquiry to a non-display inquiry. '' and after the first one they also stated " You will need to contact Equifax directly if their records are not updated as we have made multiple requests to have the credit inquiry changed to a non-display inquiry '' ... but upon contacting them they claim they never received anything from thee vendor ... and upon filing a dispute Equifax reply is " >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress 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