vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 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: FL

Complaint narrative:
On XX/XX/2024 I received a call from XXXX XXXX claiming to be Bank of America XXXX the representative told me that there is suspicious activity on my account, he verified my account while on the phone with me. I was on the line for XXXX mins. I received a text message a few mins later that a wire transfer was completed for {$36000.00}. I went to the Bank of America in XXXX XXXX XXXX to report the transaction and while I was in bank the representative told me their is a XXXX wire transfer for {$22000.00} that we stopped at the branch. They helped me open a claim for the {$36000.00}. Bank of America denied my claim because they said I received a text message. I found out on the XXXX that my phone calls and text messages were forwarded to XXXX. I called XXXX to find out whats going on. They said that someone did a port my phone on my account. I believe thats how they received the security codes to access my bank account. I called ban of XXXX to notify them.

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 2024-12-09 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I enrolled in XXXX XXXX XXXX XXXX in order to pay USAA credit card. Through XXXX they agreed to accept {$3600.00} as a settlement for the debt owed to them. However, USAA continues to report this debt on my credit report as past due and not settled in full. I have copy of my credit report. I challenged it and they are telling credit bureaus that the information is true as reported. I even have proof from XXXX proving this agreement. 
You may contact USAA at : USAA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, DE 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 2024-12-09 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: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding a violation of federal law on my credit report. The collection agency handling my account failed to include a notice of dispute, as required by law. 

This violates : Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ), which requires disputed accounts to be marked as such.

Fair Debt Collection Practices Act ( FDCPA ) Section 807 ( 8 ), which prohibits leaving out dispute notices in communications.

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 2024-12-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding a violation of federal law on my credit report. The collection agency handling my account failed to include a notice of dispute, as required by law. 

This violates : Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ), which requires disputed accounts to be marked as such.

Fair Debt Collection Practices Act ( FDCPA ) Section 807 ( 8 ), which prohibits leaving out dispute notices in communications.

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 2024-12-09 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: WA

Complaint narrative:
I purchased software to build and host my site on XXXX. 
I moved my site from XXXX to XXXX but when I tested it the XXXX version of my website did not perform on mobile devices. I contacted XXXX, canceled their service and requested a refund. They refused the refund. When I requested that they reconsider they ignored my request- I received no response. 

So, I contacted my credit card company - Goldman Sachs Apple Card to dispute the charge. I supplied information that I had. They placed a provisional credit on my card. After 90 days that charge reappeared only card. I filed another dispute and communicated via text with a Goldman Sachs, Apple card customer service representative who assured me this was a legitimate complaint and there should be no trouble receiving the refund. Once again a provisional credit was issued. 60 days later the charge was once again back on my card. This has gone on every 60 days since. I've filed complaints with Goldman Sachs, asked to talk with managers. I've been promised every time that a manager from the " back office '' would call. The representatives with whom I speak or text say that I should receive a refund but that the 'back office ' does whatever they want without explanation. 

This past Saturday I FINALLY received a call. Unfortunately I was on another call. There was a message with a phone number to call. I called that number but was told they can not transfer my call to the management in the 'back office ' but she would initiate another call. Since the first one took more than a year to come, I am not holding my breath for this one. 

Goldman Sachs is clearly not following through on this issue, just waiting 60 days and saying no. When I reopen the dispute they ask for evidence, which I've supplied repeatedly. With the exception of one piece of information. They are asking me to demonstrate that the site doesn't load properly. That is something I can not supply because I canceled the service. It would make no sense for me to continue to pay for my site on on their hosting platform just to demonstrate that it didn't work. 

I did read that your agency levied charges and fined this company for this kind of behavior in XXXX. It appears that did not change their way of operating. Please help me to recover my {$210.00} Thank you very much

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian continues to decrease my credit score unknown reasons. As I continue to dispute or submit a complaint via CFPB Experian decrease my credit score points.

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 2024-12-09 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: IA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.

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 2024-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I recently purchased a new car and have been diligently making my payments. Despite this, my vehicle was wrongfully repossessed. 

Documents attached below

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 2024-12-09 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:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts from my credit report. I am a victim of a data breach, and the accounts listed below were fraudulently added to my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request your immediate action to remove the following information : Fraudulent Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: NJ

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts from my credit report. I am a victim of a data breach, and the accounts listed below were fraudulently added to my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request your immediate action to remove the following information : Fraudulent Accounts : 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 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 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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. 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 2024-12-09 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:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
This is the second time I tried to deposit a FEMA check to Chime on their Mobile app and originally they accepted it! Then a day or two later they stated they couldnt accept it unless I wrote For deposit to Chime Account on the back of! 

I did and the resubmitted per their instructions only to have them refuse to accept it again and telling me not to resubmit it! 

Now I have two checks with deposit only to chime account that no other bank will touch because they think I already deposited it into the Chime account! 

This is causing me and other XXXX XXXX a great problem because now I have to try to get FEMA to issue us new checks to get our money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Recovery Management
State: NC

Complaint narrative:
I have requested a validation that the debt is tied to me. Fox collection has yet to provide thta. They continue to state they have but the document that is provided is not validating the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: IA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I am writing to request validation of the debt you have contacted me about, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). I received your communication dated [ insert date of the communication ], regarding an alleged debt. 

Please provide me with the following information : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A copy of the original contract or agreement that demonstrates my obligation to pay this debt.

4. A complete payment history of the debt, including any fees added.

5. Proof that you are licensed to collect debts in my state ( if applicable ). 

Until I receive this information, I request that you cease all collection activities and refrain from reporting any negative information regarding this alleged debt to the credit bureaus. 

Please send your response to my address listed above. 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 2024-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Regional Management Corporation
State: TX

Complaint narrative:
I am writing to report fraudulent activity and unfair practices by Regional Finance Corporation of Texas : 1. Without any prior relationship or contact, Regional Finance sent an unsolicited " live check '' to my address.

2. This check was fraudulently cashed by an unknown party without my knowledge or consent, creating a loan I never authorized.

3. I promptly disputed this debt via a phone call and certified letter sent on XX/XX/year>, to which Regional Finance has not responded as of XX/XX/year> ( over 30 days ). 

4. Regional Finance is improperly placing the burden of proof on me, demanding I prove I didn't cash the check through a police report, driver 's license, and other documentation, some which require a notary stamp. However, under the Fair Debt Collection Practices Act, they must verify the validity of the debt after I dispute it. 

5. Their practice of sending unsolicited cashable checks without proper identity verification creates an unreasonable risk of identity theft and fraud. 

I request that the CFPB : * Investigate Regional Finance 's unsolicited check practices * Require them to verify this debt is valid or remove it * Review their compliance with FDCPA requirements regarding debt verification * Examine if this practice violates consumer protection laws * Impose penalties or corrective measures to prevent similar incidents for other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: OH

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXXXXXX XXXX XXXX XXXXXXXX - {$140000.00} Inquiry XXXXXXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation