vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX 's XXXXsynchrony XXXX XXXX acct # XXXX, has violated my rights 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I have the right to privacy as well as they have the responsibility of reporting with fairness.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] section 604 A section 2 : Also states a consumer reporting agency can not furnish a account with out my written instruction 15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2024-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
2 fraudulent wired funds where transferred from my Bank of AmericaXXXX acct. on XX/XX/year>. Someone logged into my BofA acct without my consent and wired out a total of XXXX. I have done several fraud claims with BofA in regards to this and they denied my claims over and over. I have Never, Never given my password, pin, email access or bank information to Anyone. These transactions were made Without my consent. Bank of America never called me to verify the wire I never received an alert of what was taking place. They never called, texted, or emailed me to confirm these transactions. Making it very easy for the thieves that took my money without my consent. I have never shared any of my personal or financial information with anyone. Bank of America has failed to tell me where this money was even transferred. They have barely given me any information to help assist me in recovering my funds. I have filed a police report/ and an open claim with my life lock team to get this resolved. In hope of Bank of America will do what is right and return stolen money back to its customer.

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 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I HAVE NO ACCOUNT WITH LVNV FUNDING LLC. I HAVE NEVER SIGNED ANY AGREEMENT WITH XXXX XXXX XXXX OR LVNV FUNDING LLC FOR ANY CREDIT ACCOUNTS. I HAVE NEVER SIGNED OR AGREED TO ANY STIPULATION FROM EITHER COMPANY TO IMPLIES I OWE EITHER COMPANY MONEY. 
THIS DEBT WAS DISPUTED WITH ALL THREE CREDIT BUREAUS. XXXX AND XXXX HAS REMOVED THIS DEBT. XXXX REFUSES XXXX REMOVE DEBT AND REPORTED RECEIVING PROOF DEBT IS LEGITIMATE. THIS WRITER REQUESTED COPIES DOCUMENTS PROVIDED TO XXXX FROM LVNV FUNDING LLC THAT PROVES DEBT IS LEGITIMATE, TO DATE XXXX HAS NEVER PROVIDED THIS WRITER WITH ANY INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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 respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
On XX/XX/year>, XXXX XXXX came to deliver the sectionals. However, the sectionals came without legs and almost a year later I am still not getting the legs from XXXX XXXX due to lost packages ( never got delivered from XXXX ) and due to inventory issue XXXX XXXX is not delivering the legs. 

I filed a dispute with Apple Card where I used to pay for the transactions. They denied the dispute without giving any information why it was denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-19 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: WI

Complaint narrative:
I am XXXX XXXX, and Im 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 2024-03-19 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: WI

Complaint narrative:
I am XXXX XXXX, and Im 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 2024-03-19 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: TX

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax, XXXX and XXXX are I major violation for not providing me notice of dispute for 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 accounts XXXX Equifax XXXX XXXX and XXXX have violated FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information toconsumer reporting agencies [ 15 U.S.C. $ 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the complete-ness or accuracy of any information furnished by anyperson to any consumer reporting agency is disputed tosuch person by a consumer, the person may not furnish theinformation to any consumer reporting agency withoutnotice that such information is disputed by the consumer. 

Equifax, XXXX and XXXX will need to provide proof that they gave me notice of dispute for all accounts I disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: NY

Complaint narrative:
I checked my credit report and I can still see the Fraudulent account that I was requesting to get deleted. This account is damaging my credit and it's affecting my credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: WI

Complaint narrative:
I don't recall having a contractual relationship with this collection company I C SYSTEM. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. 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 response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: VA

Complaint narrative:
I am formally challenging any wrong or undocumented data found in my credit report, counting unconfirmed claims. Beneath the FCRA and the acknowledged STANDARD of metro 2 information field announcing, I challenge the reportability of these unconfirmed charges. Government and state laws require precise and total announcing, denying the consideration of known or should-be-known illegal claims. If it's not too much trouble guarantee the exactness and rightness of all your claims, as ordered by the Metro 2 announcing standard. I compassionate ask you to supply irrefutable physical prove to bolster the presence and reasonable utilization of the account. On the off chance that such prove is missing, I anticipate the expulsion of the account from the report. I authorize you to send me physical documentation of your activities and an overhauled credit report for my records. 


Listed below are the Accounts that are being challenged XXXX - XXXX {$0.00} XXXX - XXXX {$0.00} XXXX - XXXX {$0.00} XXXX XXXX - XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I believe that this account is reporting inaccurately.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I believe that this account is reporting inaccurately.

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 2024-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing to formally dispute unauthorized transactions on my debit card and to seek resolution regarding the handling of my claim by Bank of America. 

Incident Details : On two separate occasions, my debit card was stolen, which led to unauthorized withdrawals totaling over {$1000.00} from an ATM located at a XXXX  XXXX XXXX 

Actions Taken : Upon discovering the fraudulent activity, I promptly filed a police report and reported the unauthorized transactions to Bank of America on XX/XX/2024. During this report, I submitted the police report as evidence of the theft. The bank representatives assured me that a provisional credit would be issued to my account while the investigation was underway. 

Issue of Concern : Despite the assurances given, I have not received the provisional credit. On XX/XX/2024, I was informed that my claim had been denied. This decision is perplexing and distressing, given the clear evidence of theft and the banks initial commitment to issue a provisional credit. 

Resolution Sought : I am seeking the Consumer Financial Protection Bureaus assistance in this matter to ensure that : My claim is reviewed thoroughly and fairly. 
The provisional credit is provided as initially promised by the bank. 
Appropriate measures are taken to prevent such discrepancies in the future. 
I trust that the CFPB will address this matter with the urgency and seriousness it warrants. Thank you for your attention to this important issue. 

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 monetary relief
Consumer complaint received 2024-03-19 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. 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 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 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my XXXX  XXXX, disrupting my sleep and peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: GA

Complaint narrative:
I trust this message thinks that you are well. I'm writing to communicate my XXXX  and present a protest to EXPERIAN with respect to the ill-advised utilization of my credit report and the revealing of incorrect data on my record. I recently sent a letter to your office mentioning an examination concerning specific mysterious records. Regardless of your affirmation of leading a legitimate examination, after checking on my credit report, I found that erroneous data endures. The disparities incorporate however are not restricted to, the date opened, date of last action, date revealed, account status, and installment history. It is dampening to take note of that such errors keep on being reflected in my credit report, notwithstanding the underlying solicitation for examination. I trust what is happening encroaches upon my privileges as framed in 15 U.S.C 1681 section 602 A, which underlines my right to protection. Moreover, 15 U.S.C 1681 section 604 A Section 2 specifies that a shopper detailing organization can't outfit a record without my composed guidelines. I compassionately demand an exhaustive survey of my case and the brief revision of the errors in my credit report. Your participation in settling this matter is profoundly valued. That's what I believe, as a legitimate credit revealing office, EXPERIAN will do whatever it takes to correct this present circumstance and guarantee the exactness of the data in my credit record. I have attached the FTC report with the report number XXXX to support this complaint

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 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my XXXX  XXXX, disrupting my sleep and peace of mind.

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 2024-03-19 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: FL

Complaint narrative:
Equifax is reporting information that consumer opted out of which violates FCRA and the Privacy Act of 1974. 

On XX/XX/XXXX, consumer sent the following email to the furnisher, XXXX XXXX XXXX : Per the FCRA, as a federal protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you written, unwritten, verbal, and non-verbal, per 15 USC 6802. This includes furnishing information to any credit reporting agency.

The furnished reviewed and advised consumer is unable to opt out ( see email attachment ). The furnished claims they reviewed the request and that they are reporting accurately. This was not requested, opting out was the request.

The furnished is in violation of the FCRA and the Privacy Act of 1974. 1016.7 reviews opt out information.

15 US Code 1681 n and o discuss noncompliance. At this time the furnished is willfully not complying with consumer request which is causing damage to the credit report and infringing on privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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:
I trust this message thinks that you are well. I'm writing to communicate my XXXX  and present a protest to TRANSUNION with respect to the ill-advised utilization of my credit report and the revealing of incorrect data on my record. I recently sent a letter to your office mentioning an examination concerning specific mysterious records. 
Regardless of your affirmation of leading a legitimate examination, after checking on my credit report, I found that erroneous data endures. The disparities incorporate however are not restricted to, the date opened, date of last action, date revealed, account status, and installment history. It is dampening to take note of that such errors keep on being reflected in my credit report, notwithstanding the underlying solicitation for examination. I trust what is happening encroaches upon my privileges as framed in 15 U.S.C 1681 section 602 A, which underlines my right to protection.

Moreover, 15 U.S.C 1681 section 604 A Section 2 specifies that a shopper detailing organization can't outfit a record without my composed guidelines. I compassionately demand an exhaustive survey of my case and the brief revision of the errors in my credit report. Your participation in settling this matter is profoundly valued. That's what I believe, as a legitimate credit revealing office, TRANSUNION will do whatever it takes to correct this present circumstance and guarantee the exactness of the data in my credit record. I have attached the FTC report with the report number XXXX to support this complaint

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