vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I noticed monthly XXXX charges hitting my Merrill Lynch credit card in the amount of {$59.00} after 4 months of getting hit wit these charges. I tried to phone XXXX  to track why I was getting charged as I couldnt see an open membership account with them although I had done business with this merchant before. The rep offered no information or assistance so I went to Merrill Lynch and asked for help in disputing the charges. The rep took all of my info, said it would be submitted. A while later, I receive a letter from Merrill asking me to author a letter to them detailing how I was a victim of identity theft. I phoned Merrill and said it was not id theft but a simple billing dispute. The rep said no problem, took all the info again via phone. 1-2 weeks later, I receive ANOTHER letter from Merrill asking me to essentially author another letter to them detailing all the info they already had received from me ( twice ). I tried to phone the number on the letter. The department said they were not the ones handling it, they kept sending me to another and another department, each time on hold for 2-30 minutes in the queue until they hung up on me eventually. I tried phoning over the course of 3 days, approx. 30 times and this occurred each time. My husband is experiencing EXACTLY the same with Merrill Lynch credit card dispute - letter, oh, wrong department, we don't handle, wait in queue, get hung up on. I just closed my account, I have lost {$240.00} in charges that they charged back to me that I had to pay to close out with them. There is something evil going on here.

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 2023-10-25 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights XXXX XXXX, Has Violated my rights XXXX XXXX, Has violated my rights XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
upon review of my credit report i noticed unauthorized credit inquiries. i did not authorize these inquiries and im completely unaware of how they are here. 
XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX : XX/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 2023-10-25 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: IL

Complaint narrative:
Kindly ensure their swift removal and take measures to prevent such errors in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
I paid my bill in full ( {$63.00} ) on XX/XX/2023 and the payment was accepted and deposited by the company on that date. I have documentation to support this fact. The company has not credited my account with this payment and has been charging me late fees and interest instead. Several times, I have called the company, but they are " reviewing the case. '' In the meantime, they are sending me intimidating emails and demanding payment.

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 2023-10-25 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:
In XXXX, I discovered that an unauthorized individual had stolen my personal information and used it to open a fraudulent account at XXXX XXXX. I immediately contacted the bank to report the identity theft and request that the fraudulent account be blocked and investigated. However, as of today 's date, XX/XX/2023, XXXX XXXX  has failed to take the necessary actions to address this serious matter. 

I have provided all required documentation to the bank, including a copy of my identity theft report, a government-issued ID, and additional personal information to verify my identity and confirm the fraudulent nature of the account. Despite this, the bank has not responded in a timely or adequate manner.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute fraudulent accounts and request their removal from my credit report. Furthermore, financial institutions are required to have robust policies in place to prevent and address identity theft under the Bank Secrecy Act. The failure of XXXX XXXX  to act promptly and appropriately in this situation may constitute a violation of these federal regulations. Additionally, as the credit bureau is currently reporting this fraudulent account, they too are obligated under the FCRA to correct any inaccuracies in my credit report once notified. 

Request for CFPB Intervention : I urgently request the Consumer Financial Protection Bureau to intervene on my behalf and ensure that XXXX XXXX and Credit Bureau take immediate and appropriate actions to : Block and close the fraudulent account opened at XXXX XXXX  in my name. 
Conduct a comprehensive investigation into the matter to prevent further fraudulent activity. 
Remove any negative information related to this fraudulent account from my credit report with Credit Bureau. 
Provide written confirmation of all actions taken to resolve this matter. 
I have attached copies of all correspondence with XXXX XXXX  and Credit Bureau, as well as the documentation provided to verify my identity and report the identity theft. 

I trust that the Consumer Financial Protection Bureau will act swiftly to help resolve this issue and protect my financial well-being and credit history. Thank you for your immediate attention to this critical 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 2023-10-25 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: GA

Complaint narrative:
In XXXX, I discovered that an unauthorized individual had stolen my personal information and used it to open a fraudulent account at XXXX XXXX. I immediately contacted the bank to report the identity theft and request that the fraudulent account be blocked and investigated. However, as of today 's date, XX/XX/2023, XXXX XXXX  has failed to take the necessary actions to address this serious matter. 

I have provided all required documentation to the bank, including a copy of my identity theft report, a government-issued ID, and additional personal information to verify my identity and confirm the fraudulent nature of the account. Despite this, the bank has not responded in a timely or adequate manner.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute fraudulent accounts and request their removal from my credit report. Furthermore, financial institutions are required to have robust policies in place to prevent and address identity theft under the Bank Secrecy Act. The failure of XXXX XXXX  to act promptly and appropriately in this situation may constitute a violation of these federal regulations. Additionally, as the credit bureau is currently reporting this fraudulent account, they too are obligated under the FCRA to correct any inaccuracies in my credit report once notified. 

Request for CFPB Intervention : I urgently request the Consumer Financial Protection Bureau to intervene on my behalf and ensure that XXXX XXXX  and Credit Bureau take immediate and appropriate actions to : Block and close the fraudulent account opened at XXXX XXXX  in my name. 
Conduct a comprehensive investigation into the matter to prevent further fraudulent activity. 
Remove any negative information related to this fraudulent account from my credit report with Credit Bureau. 
Provide written confirmation of all actions taken to resolve this matter. 
I have attached copies of all correspondence with XXXX XXXX  and Credit Bureau, as well as the documentation provided to verify my identity and report the identity theft. 

I trust that the Consumer Financial Protection Bureau will act swiftly to help resolve this issue and protect my financial well-being and credit history. Thank you for your immediate attention to this critical matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I received a notice that my credit was being run, I never gave permission for them to do so nor did I apply for a credit card with them. They should not have inquired without my permission.

This is the information below that I was notified on : TD BANK USA/TARGET C Inquiry : XXXX XXXX, XXXX  - Complete Dept. Stores No contact information has been reported by this creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX i was told the money was being put back into the account and not to me as in the past and this could not be changed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Marlette Funding, LLC
State: TX

Complaint narrative:
this company calls my employers line constantly the XXXX  do not pick up for they do not have my extension and I contacted them over 3 months ago while I hired a lawyer to take care of this account for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: FL

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft and I never opened this account. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there

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 2023-10-25 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: 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 : XXXX XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 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:
In XXXX, I discovered that an unauthorized individual had stolen my personal information and used it to open a fraudulent account at XXXX XXXX I immediately contacted the bank to report the identity theft and request that the fraudulent account be blocked and investigated. However, as of today 's date, XX/XX/XXXX XXXX XXXX XXXX XXXX has failed to take the necessary actions to address this serious matter. 

I have provided all required documentation to the bank, including a copy of my identity theft report, a government-issued ID, and additional personal information to verify my identity and confirm the fraudulent nature of the account. Despite this, the bank has not responded in a timely or adequate manner.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute fraudulent accounts and request their removal from my credit report. Furthermore, financial institutions are required to have robust policies in place to prevent and address identity theft under the Bank Secrecy Act. The failure of XXXXXXXX XXXX to act promptly and appropriately in this situation may constitute a violation of these federal regulations. Additionally, as the credit bureau is currently reporting this fraudulent account, they too are obligated under the FCRA to correct any inaccuracies in my credit report once notified. 

Request for CFPB Intervention : I urgently request the Consumer Financial Protection Bureau to intervene on my behalf and ensure that XXXXXXXX XXXX  and Credit Bureau take immediate and appropriate actions to : Block and close the fraudulent account opened at XXXX XXXX in my name. 
Conduct a comprehensive investigation into the matter to prevent further fraudulent activity. 
Remove any negative information related to this fraudulent account from my credit report with Credit Bureau. 
Provide written confirmation of all actions taken to resolve this matter. 
I have attached copies of all correspondence with XXXXXXXX XXXX  and Credit Bureau, as well as the documentation provided to verify my identity and report the identity theft. 

I trust that the Consumer Financial Protection Bureau will act swiftly to help resolve this issue and protect my financial well-being and credit history. Thank you for your immediate attention to this critical 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 explanation
Consumer complaint received 2023-10-25 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 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 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 2023-10-25 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: GA

Complaint narrative:
I checked my credit report and noticed I had a collection from ( IC Systems , INC XXXX XXXX XXXXXXXX  ) that was opened in XX/XX/2023 for {$1400.00} with account number starting in XXXX that I do not recall and am not liable for. I never entered into a signed agreement or completed an original contract with them. This is fraudulent and a violation of my rights. This inaccurate collection is not mine. If you believe this account is mine, prove the validity. REMOVE FROM XXXX, XXXX and XXXX. I would like all collection activity to cease immediately and for this inaccurate and fraudulent collection to be removed from my credit report or I will file for litigation and report you to the CFPB and FTC. I sent letters to XXXX, XXXX and XXXX on XX/XX/2023 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so. I demand these items I disputed in my letters to be blocked, removed and deleted from my consumer report immediately. I am trying to obtain credit and need the bureaus to respond. Please intervene and assist me with this request.

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 2023-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: CT

Complaint narrative:
I am in collections from a hospital in XXXXXXXX. I have never lived or visited XXXX I have requested that they remove it and filed a police report as per their request with no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
since my SS was compromised in my banks, started to call credit bureaus to put a freeze on my accounts< starting with Equifax : the agent " XXXX  ''? started to ask way to many irrelevant questions, which made me really very suspicious : learning that they are private entities, not govnt employed, I am reporting that interaction. Then I called XXXX, and just on the phone I could put the feeze on without talking to anyone. Sorry, my trust is gone, especially with nosy, unprofessional, pushy " XXXX '' agents.

Company response to consumer: Closed with explanation