vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am demanding the removal of the following account since it has yet to be verified by the credit reporting agencies or the creditor. Please see the attached dispute letters sent to both the creditor and the credit bureaus over 60 days ago. This has fallen on deaf ears. I do not have an account with XXXX XXXX XXXX XXXX. You failed to do an investigation when you were notified months ago. Remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX  XXXX 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 an account without my written instructions.

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 2023-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I try to dispute this company back in XXXX of 2020. I do not owe this company, I have never had a contract of any sort with 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 explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name Is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release if any good or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all information relates to this matter. 

The fraudulent accounts are as follows : 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 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, 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: SC

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 XXXX5 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 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, 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: SC

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 XXXXXXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX 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 explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
How are you doing this is XXXX XXXX ; I sent out letters on XX/XX/2023 ; The letters went out to XXXX, XXXX, Equifax. However, it's been more than 30 days and the credit bureaus failed to send my investigation break. This is not making any sense. 

According to the law 15 U.S. Code 1681i -Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX  Account # XXXX ***** XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Care Credit offered a 0 % interest rate for all amounts paid in full at the end of 6 months. Twice I took advantage of this offer. Both times, I was told that because I didn't make monthly payments, I owed interest. I explained that the program was explained to me that as long as the entire balance was paid off by the end of the 6 months, there would be no interest accrued. The company did correct the issue and refunded the interest payments. 

However, in XX/XX/2023 they closed my account " after reviewing my credit information. '' At this point, I had never missed a payment, had paid this account in full- the same goes for my Lowe 's Synchrony account. They arbitrarily closed my account to retaliate against me because I filed a complaint against the Synchrony Amazon Card. 

The Synchrony Amazon card has been closed for over a year, but continues to charge me fees and interest, despite the account being closed and not being used - and having been paid off in full. 

Synchrony Bank is being predatory and I had two accounts in 100 % good standing with them - CareCredit and Lowe 's, but they closed my CareCredit for no reason. These two accounts have always been paid on time. 

These are predatory and retaliatory lending practices. 

All debts on my credit report are related to civil litigation and are not my responsibility. I am in the process of securing a lawyer to have them removed. Please ask Synchrony Bank to explain their actions against my Care Credit account which has always been in good standing/

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 2023-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Block, Inc.
State: OH

Complaint narrative:
Payment to XXXX XXXX Amount-XXXX Date-XX/XX/2022  @ XXXX I submitted the dispute with CashApp XX/XX/XXXX under case number XXXX. 

They advised that the dispute was denied due to not being able to verify it was me that allowed the payment to process.

I also contacted XXXX XXXX but they advised they could not locate the payment since

I dont have an account with them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Community Bank/VCTRSSEC {$220.00} XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$510.00} XXXX XXXX {$120.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX, XXXX {$630.00} XXXX XXXX  XXXX {$680.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$810.00} In accordance with the Fair Credit Report Act. This creditor has violated my rights under 15 USC 1681 section 602 I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can nit furnish an account without my written instructions under 15 USC 1666b 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
I noticed unauthorized hard inquiries on my credit report. Listed below are the companies and dates : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name Is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release if any good or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all information relates to this matter. 

The fraudulent accounts are as follows : 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 non-monetary relief
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I submitted an initial dispute letter via certified mail ( Tracking # : XXXX ) to TransUnion about fraudulent inquiries that were not authorized by me and they did not remove the inquiries from my account. I then sent a follow up dispute letter on XX/XX/XXXX via certified mail ( Tracking # : XXXX ) and they still have not removed these unauthorized inquiries. 
Please remove inquiries listed below : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX 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 2023-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I took out a BMO BANK rewards credit card on XXXX XXXX. If I spend {$1000.00} in 90 days I would get back {$200.00}. That was the advertised agreement. I spent {$1200.00} in the 90 days which was up on XX/XX/XXXX. Online it showed I have {$210.00} cash back. I called to find out about getting it back and got bounced around with phone transfers and they will not give me my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo charged me excessive overdraft fees. The excessive fees interfered with my daily living. I am on a fixed income as a XXXX veteran. The fees caused financial strain on me and my children. 
My auto loan with them was also charged an interest rate higher than market rates at the time.

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 2023-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC

Complaint narrative:
Was not notified of any debt owed/associated with Helvey and Associates until it appeared on my credit report. Tried to determine the action and why I was not notified, and the company refused to provide any information or proof that they sent correspondence to me at my residence of XXXX XXXX XXXX XXXX, which I have been at since 2016. Disputed this with XXXX and it was removed however, Helvey and XXXX refuse to remove debt though I am not aware of the debt, this collection company, and was not provided documentation regarding this debt in order to determine if it was correct. 

This company has been known to threaten people, not contact them, and threatened that I would be sued if I did not pay the debt that I was not aware that I had. In addition, I submitted a debt consolidation letter via mail, which I received no response to.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: CA

Complaint narrative:
Not my debt

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 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
Back in XXXX XXXX XXXX, we were finally approved for a XXXX XXXX modification after the attorney sent Flagstar Bank several letters due to them denying us. They placed us on a temporary modification for 90 days as it was required. The month of XXXX, XXXX and XXXX were all paid on time, therefore we were given a XXXX XXXXXXXX permanent modification. We paid all of our payments on time yet Flagstar bank continues to report I was late all the way to XX/XX/2016 which is incorrect. There was {$16000.00} that were put as a balloon payment in the modification so they were not suppose to be reporting anything late.

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 2023-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I received an alert on XXXX, from XXXX that I had a hard hot on my credit report. I was told it was a credit card application for a Bank of America credit card. I had not applied for a new credit card anywhere so I contacted Bank of America credit card services and fraud unit. They informed me that they couldnt see a new credit cards on my account. I contacted my personal banker at Bank of America XX/XX/XXXX and he also stated nothing new was showing up on my account and nothing could be done. I put a freeze on all 3 Credit Reporting Agencies on XX/XX/XXXX. I received an email XX/XX/XXXX informing me that my credit card application with Bank of America was approved and I would receive a welcome package and card within 14 days. I again called Bank of America fraud unit and my personal banker and they said that they could see the new credit card on my account. It was a XXXX XXXX XXXX XXXX with a {$20000.00} credit line. The personal banker told me it had an address from 2 years ago in another State. Bank of America opened this credit card without my consent using my email and a former address. They should be investigated. This is similar to XXXX XXXX years ago. The fraud unit and banker of BofA should have delved into issue further XX/XX/XXXX and maybe it wouldnt have gone to the point of a card in my name, unauthorized, floating around. in Arizona

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 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: OK

Complaint narrative:
My Student loans from Advantage shows that I still owe a balance. It was discharged in XX/XX/2022. It needs to be updated correctly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX  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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: MO

Complaint narrative:
Debt is beyond the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting ACT XXXX account number XXXX  
has violated my rights 15USC 1681 Section 602 H States I have the rights to privacy. 15USC 1681 Section 604 A Section 2 also states that The Consumer Reporting Agency can not furnish an account without my written instructions.

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 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting ACT XXXX account number XXXX has violated my rights 15USC 1681 Section 602 H States I have the rights to privacy.

15USC 1681 Section 604 A Section 2 also states that The Consumer Reporting Agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation