vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-21 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: MS

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-07-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX IS REFUSING TO UPDATE IN MY CREDIT REPORT AN ACCOUNT THAT IS NOT MINE ACCOUNT # XXXX OPEN SINCE 2019. 
BEEN DISPUTING THIS ACCOUNT FOR A LONG TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My Bank of America credit card has been compromised TWICE in the last 6 weeks. And, it is far from the first time this has happened! Each time, of course, I am forced to have my credit card cancelled, " for my protection, '' : and wait to get another credit card issued. This means, of course, I must take the time to contact any/all automatic payment sources to change my credit card information. Having to do this, over and over again, this time, IN SIX WEEKS TIME, IS TOTALLY UNACCEPTABLE! Why are credit card companies NOT REQUIRED TO KEEP YOUR INFORMATION SECURE?! Obviously, they are not. Obviously, it points to credit card companies employees being less than honest, as well. THIS IS TOTALLY RIDICULOUS! 

I know I have wasted my time, writing this complaint. Because NO Agency, private or government, will do anything to truly protect the consumer. Big Corporate America is too big and doesn't care about its customers. If your information gets STOLEN, it's no big deal to them. They aren't inconvenienced. They don't perchance get their identity stolen. Just an unfortunate sign of our screwed up times!!!!

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 2024-07-21 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: FL

Complaint narrative:
I tried to dispute incorrect information on my profile with XXXX and equifax because my credit reports do not coincide with one another and also has inaccurate information. There are a bunch of hard inquiries on both reports that are not accurate and needs to be deleted. Under 15 U.S. Code 1681 I am fully entitled to a fair/accurate credit report and the bureaus have the obligation to provide the necessary documentation proving the accuracy of the items. Neither bureaus have fulfilled there obligation in providing that information. I managed to get rid of hard inquiries with XXXX that were inaccurate information but XXXX and equifax refused to assist with the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: NJ

Complaint narrative:
COMPANY REFUSED TO SENT ME ANY CONTRACT MY MAIL THEY ONLY CALL ME MANY MANY TIME. I BEEN DISPUTING THIS ACOUNT FOR OVER 90 DAYS THEY ARE NOT ANSWER TO ME AND KEPT THE NEGATIVE ACCOUNT IN MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
COMPANY REFUSED TO SENT ME ANY CONTRACT MY MAIL THEY ONLY CALL ME MANY MANY TIME. I BEEN DISPUTING THIS ACOUNT FOR OVER 90 DAYS THEY ARE NOT ANSWER TO ME AND KEPT THE NEGATIVE ACCOUNT IN MY CREDIT 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 non-monetary relief
Consumer complaint received 2024-07-21 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: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
COMPANY REFUSED TO SENT ME ANY CONTRACT MY MAIL THEY ONLY CALL ME MANY MANY TIME. I BEEN DISPUTING THIS ACOUNT FOR OVER 90 DAYS THEY ARE NOT ANSWER TO ME AND KEPT THE NEGATIVE ACCOUNT IN MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: GA

Complaint narrative:
This is not my debt IQ DATA INTERNATIONAL ACCOUNT # XXXX  DATE FRAUD BEGIN : XX/XX/year> DATE DISCOVERED IT : XX/XX/year> AMOUNT : {$6600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I tried to dispute incorrect information on my profile with transunion and XXXX because my credit reports do not coincide with one another and also has inaccurate information. There are a bunch of hard inquiries on both reports that are not accurate and needs to be deleted. Under 15 U.S. Code 1681 I am fully entitled to a fair/accurate credit report and the bureaus have the obligation to provide the necessary documentation proving the accuracy of the items. Neither bureaus have fulfilled there obligation in providing that information. I managed to get rid of hard inquiries with experian that were inaccurate information but transunion and XXXX refused to assist with the situation.

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 2024-07-21 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: CA

Complaint narrative:
Ive recently received a copy of my credit report and notice several inaccuracies and unauthorized inquiries Reporting to my credit report these remarks have been detrimental to my life and credit health.

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 2024-07-21 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: Security Credit Services, LLC
State: FL

Complaint narrative:
I have sent in numerous disputes regarding this account, with proper documentation and up to date data. Both of these companies refuse to even pay attention to what I am writing to them. Every reply is that they are accurate when I am not disputing the accuracy. My dispute consists of a totally different issue from accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MN

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2024-07-21 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:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2024-07-21 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: DC

Complaint narrative:
The following companies did not had permission or authorization to request a copy of my credit report. XXXX XXXX XXXX - XX/XX/year> ; XXXX  XXXX XX/XX/year> and XXXX XX/XX/year>. I demand the deletion of these inquiries from my report, it is unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletion. Thank you for your time and attention to 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 non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Bank of America Customer Service, I am writing to formally dispute the unauthorized transactions on my Bank of America account and to address several failures on Bank of America 's part, including the lack of proper notification, the unauthorized issuance of replacement cards, and duplicate charges for transactions. Despite my diligent efforts to ensure that I received all necessary notifications from Bank of America, I did not receive any alerts notify regarding these unauthorized activities on my account. 

At the time of the transactions in question, Bank of America failed to notify me as agreed upon. This lack of communication directly contradicts the protections and services that Bank of America is obligated to provide its customers. Furthermore, Bank of America was not authorized to send out replacement cards on my behalf, which directly contributed to the unauthorized activities on my account over the past ten months. Additionally, I have been charged twice, sometimes even three times, for transactions that I did not authorize or make. 

I was only notified about the unauthorized fraudulent activity in XXXX when I received a letter stating the issue. This activity should have been spotted years ago if Bank of America was providing the services that offered to me at the beginning of account being opened Due to these failures and the resulting financial loss, I am requesting an immediate investigation into these unauthorized transactions and a full reimbursement of the disputed amounts. Additionally, I urge Bank of America to review and rectify their notification procedures, card issuance policies, and transaction processing systems to prevent such issues from affecting other customers in the future.

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX National Credit Systems NCS was added to my credit reports as a new collection collecting on behalf of XXXX XXXX XXXX XXXX. XX/XX/XXXX I requested an itemization of debt which was given to me via email. XX/XX/XXXX I attempted to pay debt via banking information. XX/XX/XXXX payment reversed. XX/XX/XXXX filed complaint with Ohio Attorney Generals Office due to confirming that I did not have a balance when I moved out of XXXX XXXX XXXX. XX/XX/XXXX the response to the Ohio Attorney Generals Complaint from National Credit Services only spoke on the reversed payment. XX/XX/XXXX I sent an email to NCS requesting a Bill of Sale, proof that they have the legal right to collect this alleged debt. XX/XX/XXXX another complaint was filed with the Ohio Attorney General because after 30 days I still never received a response to my request for Bill of Sale. But again, NCS response to the complaint only spoke about the reversed payment. I moved out of XXXX XXXX XXXX  in XX/XX/XXXX and had no balance at my move out time and there are no eviction civil records with XXXX XXXX Ohio stating I owe a balance to XXXX XXXX XXXX. I feel this is fraud and I'm requesting this be removed from my credit reports. This is extremely negatively affecting my credit. 

NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX NCS Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: MN

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Will not lower my payments and having im hardship at making payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: MN

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year> my card information was stolen and fraudulent charges were made. Those charges resulted in my account over drafting so money was removed from my savings account to cover the charges from my checking account. The amount used to cover totaled {$650.00}. On XX/XX/year>, the individual responsible for stealing my information was arrested and charged on 6 felonies. It is now almost XXXX and Bank of America still has yet to refund me this money. They have all of the information needed including the final police report stating the individual was arrested. I have called on multiple occasions and spoke to many different representatives who only say I will get the refund once the investigation is closed. What investigating is left to do and where is 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 monetary relief
Consumer complaint received 2024-07-21 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: IL

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. 
Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX # 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 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 2024-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount {$18000.00} this account was included under banckarrot Still in my credit report. I reported to all credit agencies but still on.

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 2024-07-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TN

Complaint narrative:
The company is reporting FRAUDULENT inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents. I never had this account I was a minor when it was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: TX

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief