vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I hope you are doing well as I write this. I'm writing to let you know about an issue with my credit account that I have with your organization. Following an examination of my most current credit report, I discovered that late payments have been documented for my account. 

I am dedicated to keeping my financial obligations, and I recognize how important it is to keep a clean credit record. But I think the stated late payments don't fairly represent my dedication to fulfilling my duties with XXXX XXXXXXXX XXXX XXXXXXXX - XXXX XXXX  XXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX - XXXXXXXX XXXX  customer service. 

Please look into this for me and, if needed, take the right action to get the late payment entries erased from my credit report. Thank you very much for responding to this request so quickly. 

I appreciate your cooperation and understanding in getting this resolved. I'm looking forward to hearing from you favorably and keeping up our good working connection with XXXX 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 explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to express my deep frustration and annoyance with the continued presence of fraudulent accounts on my credit report. Despite my repeated attempts to rectify this situation, these fraudulent accounts persist, and it has become abundantly clear that your organization is failing in its duty to protect consumers from identity theft. 
Account Information : XXXX XXXX XXXX- PLEASE DELETE!!! 
I can not emphasize enough the urgency of this matter. It has been years already since I first reported these fraudulent accounts to your bureau, and yet they continue to tarnish my credit history, causing me financial and emotional distress. The presence of these accounts has hindered my ability to secure loans, obtain credit, and achieve my financial goals, all through no fault of my own. 
Despite all these efforts, I continue to receive no resolution, and these fraudulent accounts remain on my credit report. This situation is unacceptable, and it is clear that your organization is not taking the necessary steps to investigate and address this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I am writing to formally submit a complaint against IC System Inc. concerning their collection efforts on behalf of XXXX XXXX XXXX. The issue stems from persistent attempts to collect an alleged debt of {$1200.00}. Despite my request for verification, IC System Inc. has failed to provide adequate documentation supporting the validity of the claimed amount. Their collection tactics have been aggressive and may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), causing undue stress. Furthermore, IC System Inc. has not furnished a detailed breakdown of the alleged debt, including dates and charges. I kindly request the Consumer Financial Protection Bureau to investigate IC System Inc. 's actions, seeking resolution through verification of the debt, cessation of aggressive tactics, and provision of a detailed breakdown. I refrain from providing personal information in accordance with CFPB guidelines but am willing to furnish necessary details upon request. I appreciate your prompt 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 explanation
Consumer complaint received 2023-12-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing this formal complaint against Bank of America with absolute confidence in the validity of my grievance, supported by pertinent references to applicable laws and consumer protection regulations. My aim is to underscore the necessity for Bank of America to resolve this issue in my favor. The details of my complaint are as follows : Account Closure and Credit Card Payment Issue : In XXXX 2023, Bank of America abruptly closed both my Checking and Savings accounts without any prior notice or valid reason, which is a clear violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation E. This sudden and unwarranted action left me without a means to make payments on my Bank of America Credit Card , which was issued by the same bank. 

Late Payment and Credit Report Impact : Due to the closure of my accounts, I was unable to make timely payments on my Bank of America Credit Card, resulting in a XXXX late payment that was reported on my credit report in XX/XX/2023. I firmly assert that this late payment was solely a consequence of Bank of America 's actions and not due to any negligence on my part. The Fair Credit Reporting Act ( FCRA ) stipulates that credit reporting must be accurate and that consumers have the right to dispute inaccurate information. 

My Attempts to Resolve the Issue : I have made persistent efforts to resolve this matter with Bank of America, as mandated by the Consumer Financial Protection Bureau ( CFPB ) regulations. On XX/XX/2023, I sent a goodwill letter to Bank of America requesting the removal of the late payment remark. I followed up with another goodwill letter on XX/XX/2023. Additionally, I proactively reached out to Bank of America by phone on XX/XX/2023, to discuss my concerns and request the removal of the inaccurate late payment remark. 

Bank of America 's Response : Regrettably, despite my unwavering determination and articulate explanations highlighting that the late payment was a direct result of their actions, Bank of America has obstinately refused to acknowledge their error. They have unreasonably declined my request to remove the inaccurate late payment remark, which is a breach of the FCRA and Regulation Z. 

Impact on Myself and My Family : The repercussions of Bank of America 's actions and their unyielding stance have been far-reaching. My family and I have experienced substantial stress, frustration, and credit damage, causing harm that is counter to the XXXX XXXX XXXX Reform and Consumer Protection Act 's core principles of consumer protection.

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 2023-12-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing this formal complaint against Bank of America with absolute confidence in the validity of my grievance, supported by pertinent references to applicable laws and consumer protection regulations. My aim is to underscore the necessity for Bank of America to resolve this issue in my favor. The details of my complaint are as follows : Account Closure and Credit Card Payment Issue : In XXXX 2023, Bank of America XXXX XXXX both my Checking and Savings accounts without any prior notice or valid reason, which is a clear violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation E. This sudden and unwarranted action left me without a means to make payments on my Bank of America Credit Card , which was issued by the same bank.

Late Payment and Credit Report Impact : Due to the closure of my accounts, I was unable to make timely payments on my Bank of America Credit Card, resulting in a 30-day late payment that was reported on my credit report in XX/XX/2023. I firmly assert that this late payment was solely a consequence of Bank of America 's actions and not due to any negligence on my part. The Fair Credit Reporting Act ( FCRA ) stipulates that credit reporting must be accurate and that consumers have the right to dispute inaccurate information. 

My Attempts to Resolve the Issue : I have made persistent efforts to resolve this matter with Bank of America, as mandated by the Consumer Financial Protection Bureau ( CFPB ) regulations. On XX/XX/2023, I sent a goodwill letter to Bank of America requesting the removal of the late payment remark. I followed up with another goodwill letter on XX/XX/2023. Additionally, I proactively reached out to Bank of America by phone on XX/XX/2023, to discuss my concerns and request the removal of the inaccurate late payment remark. 

Bank of America 's Response : Regrettably, despite my unwavering determination and articulate explanations highlighting that the late payment was a direct result of their actions, Bank of America has obstinately refused to acknowledge their error. They have unreasonably declined my request to remove the inaccurate late payment remark, which is a breach of the FCRA and Regulation Z. 

Impact on Myself and My Family : The repercussions of Bank of America 's actions and their unyielding stance have been far-reaching. My family and I have experienced substantial stress, frustration, and credit damage, causing harm that is counter to the XXXX XXXX XXXX Reform and Consumer Protection Act 's core principles of consumer protection.

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 2023-12-07 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the fair credit reporting act. According to 15 usc 1681i ( 5 ) the credit bureaus said everything was complete and accurate and I asked them how if the open date wrong address wrong or was not living in state Then I ask them to provide me a description of the investigation according to 15 usc 1681i ( 7 ) and they never did. I have proof of my letter for that. Also according to 15 usc 1681 s-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 this is violation after violation this is causing me stress because I have no hope in the system Im struggling with XXXX XXXX children and this is hindering

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 2023-12-07 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 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 Account NumberXXXX Account Name : XXXX Account NumberXXXX 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 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 2023-12-07 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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: TX

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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

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 2023-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm writing to express how deeply annoyed and dissatisfied I am with the way your bureau has handled my complaints about identity theft. I have tried numerous times to fix this problem, but I have never received a satisfactory response or action from you. 

I was the victim of identity theft, and because of the unauthorized accounts and transactions that showed up on my credit report, I had to deal with a lot of emotional and financial difficulties. I reported these fraudulent acts to your bureau, and in order to prove my innocence and support my assertions, I sent all the required paperwork along with thorough explanations. 

But, a very long time has passed since I first brought up these issues, and I still haven't received a satisfactory answer or resolution. In addition to causing me a great deal of stress, this delay has had real detrimental effects on my financial security. Because of errors on my credit report, I have had my credit applications denied, my interest rates increased, and I have been harassed by debt collectors nonstop. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I implore your agency to investigate my identity theft complaints thoroughly and promptly. I demand that you give my case top priority, look into this matter thoroughly, and get rid of the bogus accounts and activities from my credit record as soon as possible. I also want regular information on the status of my claim and a well-defined deadline for its conclusion. 

I think it is my right as a customer to have my complaints taken seriously and swiftly addressed. I'm ready to seek legal advice and take this issue up with the relevant regulatory bodies if your bureau doesn't respond satisfactorily in a fair amount of time. I want to make sure that justice is done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
my name was exposed in a data breach my personal informations were leaked and compromised some accounts and inquiries I don't recognize I want all the inquiries and negative items deleted from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover credit card shows 2 late payments when however there was no late payment and its wrong.

I called them a couple of months ago, and they were rude and no help.by the Fair Credit Reporting - Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit my purpose Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company did not even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I could not understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors and unfair credit card practices.

From your end, I have not benefited from this transaction which is again a violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit. 

I hereby request you to do the below-mentioned thing. 
DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( XXXX ) XXXX XXXX CAPITAL ONE  XXXX XXXX XXXX XXXX If you accept my request , I will not escalate this matter to Federal Court, in case, you do not accept the above request a legal action may be taken against your company for compensatory damages.

Thank you for your attention to this matter. 

Sincerely, XXXX : XXXX. 

All Rights reserved without prejudiced

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company did not even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I could not understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors and unfair credit card practices. 

From your end, I have not benefited from this transaction which is again a violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit.

I hereby request you to do the below-mentioned thing.

DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you accept my request , I will not escalate this matter to Federal Court, in case, you do not accept the above request a legal action may be taken against your company for compensatory damages.

Thank you for your attention to this matter. 

Sincerely, XXXX : XXXX. 

All Rights reserved without prejudiced

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