vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TomoCredit Inc.
State: CA

Complaint narrative:
I began services with TomoCredit for their TomoBoost product in XX/XX/2023 based upon receiving numerous email their services would increase my credit score. The amount of the payments to be paid for the TomoBoost product were {$34.00} per month in exchange for a {$10000.00} credit line reporting. The credit reporting NEVER reported to ANY of the credit bureaus as promised to date. Not only did nothing ever happen but as in services or products as promised but they continued to bill me {$34.00}. When I noticed that this was happening, I reached out to TomoCredit, there was no way to cancel the service I was not receiving, and they say there is no refund according to their terms and conditions. A contract can only be valid if there is performance. Tomo Credit/ Tomo Boost never performed any of the services offered to me or that I paid for. On Tomo Credit/Tomo Boost part there has been ZERO performance. However, I have paid for the services and performed my side of the agreement. It is really unfair for Tomo or any company to prey on people and promise their services can positively impact one 's credit report and knowing they can not provide this service. I am not the only party complaining about not receiving services there are hundreds of other similar complaints in which Tomo has taken money without performing services while making it difficult and nearly impossible to cancel.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: PA

Complaint narrative:
On XX/XX/2024 I sent the below instruction to Experian at this " reply to '' email address : XXXX Quote In the event my personal information on file with Experian is lost , misused or altered I expect to be immediately notified by email. Apart from that single exception, I hereby opt out of receiving emails, push notifications or texts ( SMS ) from Experian. 
Unquote In spite of those very explicit instructions, Experian continues to send me unsolicited emails. 

I ask that the CFPB instruct Experian to honor my instructions which conform to the Experian privacy policy. 

Thank you.

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 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-05 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/XXXX, a credit account was opened without my authorization or my knowledge that the account was opened. I received the credit card in the mail and immediately contacted Synchrony Financial for a resolution. Upon their investigation, they assured me that the account was opened fraudulently. Synchrony Financial submitted a request for removal of the account and the inquiry to also be removed from my credit report to the three major credit bureaus. As of XX/XX/XXXX the inquiry still remains on my XXXX credit report. I have contacted Synchrony Financial many of times and have disputed the inquiry that continues to remain with XXXX just as much. The account has been closed and removed from the other two bureaus, but the inquiry still remains with XXXX. I have submitted a letter to XXXX for further investigation and removal of this inquiry, as well as have taken the appropriate steps with Synchrony Financial to get information as to what the hold up is regarding this issue.I have been told by numerous representatives that they have re-submitted a request for the removal to the three major bureaus and have been told to rest assured that the issue has been taken care of throughout the last year and a half. I have taken diligent notes and feel confident that this process should not taken this lengthy amount of time to find a resolution. Especially since the account and inquiry on my credit report was opened fraudulently.

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 2024-04-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Requested information of bill, account information and company was not able to provide none of this as asked for. Reason being that this billing information is not under my legal name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have XXXX credit cards with Synchrony Bank, a XXXX card and a XXXX Credit card for my animals. Because of a divorce, a lot of my bills became a hardship so I chose to add the XXXX card into debt relief. I kept the XXXX XXXX because I need it for my senior animals with medical conditions. I have had this card for years and I have made, and continue to make payments on time, and on occasion I am able to make an extra payment. Once they started negotiations for my debt relief on the XXXX, they all of the sudden deemed me a risk to not pay and closed the XXXX XXXX account without advising me first. I do not miss payments and I can show that I have paid it every month. I would like to contest this closure. I called the debt relief program and they will not help me with this bank. I called the bank and they will not work with me either. I was told that even though one card is a completely different department than the XXXX and one has nothing to do with the other, Synchrony Bank is taking action against me for putting them in debt relief. They closed this account under false accusations. They have no proof that I will not pay because I have always paid.

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: CT

Complaint narrative:
I had my loans transferred from XXXX to Mohela in XXXXXXXX XXXX XXXX  My credit reports still indicate that the accounts are still open, though it has not been updated since the transfer. I contacted XXXX XXXX to determine the root cause and if the error could be fixed. XXXX indicated that the transfer was done correctly on their end, and for me to contact Mohela to fix the problem. 
I contacted Mohela XXXX and described the issue and what XXXX informed me and instructed me to do, and Mohela indicated that the acceptance of the loan transfer was executed correctly on Mohela 's end, and Mohela suggested that XXXX erroneously left the accounts open. 
The consequence is that it looks like I have 14 open accounts when I have 7 open accounts, with half the amount due. 
The impact of this artificially inflates the total debts I owe to the credit bureaus, and that any entity that obtains my credit report denies applications because of the faulty information that has not been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

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 2024-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I sent a certified letter with return receipt to bank of America, the address they list online for checking and Billing Inquiries listed below. The letter contains all relevant details needed to file a dispute. 

The original letter is attached with this CPFB complaint and was sent on XX/XX/2024 to : Bank of America XXXX XXXX XXXX XXXX XXXX XXXX With Certified tracking USPS # XXXX The letter was delivered on XX/XX/2024 and signed for by a Bank of America employee at that address well within 60 days of the original charges I am disputing. 

I also have the return receipt in my possession which shows a bank of America employee signed confirming receipt of the disputed charge letter. I will attach a picture of the return receipt in the documents of this CFPB complaint. 

After nearly 40 days of no correspondence ( Regulation E states Bank must acknowledge your dispute inquiry within 10 business days ), I filed a XXXX   complaint stating that they ignored by dispute charge inquiry letter. I filed the XXXX  complaint on XX/XX/2024 - XXXX  Complaint ID : XXXX A Bank of America Enterprise Resolution Specialist was assigned to my case and called me on Wednesday XX/XX/XXXX. She notified me that their dispute resolution department showed no sign of a dispute and she couldn't do anything about my case. She said I had to file one by calling Bank of America myself. Since the charges are now over 60 days old, the claims department won't let me open the dispute. They said they have no letter from me - despite me sending one and having it signed for, which is well within my legal rights to dispute a charge. 

I spoke with the same Bank of America Enterprise Resolution Specialist and told her that they wouldn't help me dispute the charges. She said she would try on my behalf. After a day, she called me back and said she is unable to file a dispute on my behalf. I told her that this is a violation of my legal rights because I already opened the dispute via sending a letter, which she understood and apologized for but did not give me any options to escalate it.

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 2024-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I understand that as per FCRA XXXX, it's essential to remove any erroneous accounts from my credit report. Could you please review the documents? I've noticed that several of the listed accounts seem to be inaccurate, and this is worrying me.

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 2024-04-05 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 sent you a letter recently and you were required to enter a notice of dispute within 30 days of receipt to my accounts so that my creditors and anyone else pulling credit report will know that these items are being disputed by me. XXXX is the only credit reporting agency that did so. Section 623 stipulates that if this notice of dispute is not entered within this given timeframe, all disputed accounts must be deleted from my credit report for violation. I am including a list of my disputed items that do not report this requirement along with the dispute letter, which is dated, and time stamped. Attached is my credit report showing that the account does not show a notice of dispute. Remove the following account from my credit report due to FCRA violation : XXXX XXXXXXXX.

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: NY

Complaint narrative:
On the date I initially reached out to this agency via certified mail, I informed them of my identity theft victim status. However, as of todays date, this agency continues to include information in my credit report that stems from this identity theft incident. According to Section 605B, titled " Block of Information Resulting From Identity Theft, '' consumer reporting agencies are obligated to alert the sources of this information, such as financial institutions, about the potential origin of the information being identity theft, and to inform them that an identity theft report has been filed. I have provided this agency with FTC report numbers XXXX, XXXX, XXXX, and XXXX along with a formally requested block. Following such notification, Section 623 ( a ) ( 6 ) requires the sources of information to cease reporting any data in a consumers file that the consumer has identified as resulting from identity theft. This cessation must occur no later than 4 business days after the agency receives : ( 1 ) adequate proof of the consumer 's identity ; ( 2 ) a copy of the identity theft report ; ( 3 ) the consumer 's identification of the disputed information; and ( 4 ) a declaration by the consumer that the information is unrelated to any transactions made by them. 
I have satisfied all these stipulations, and evidence supporting this claim will accompany this complaint. Despite fulfilling these requirements, this agency has not adhered to the requirement set forth by the FCRA 15 U.S. Code 1681c2 to block the reporting of the information I identified as arising from identity theft within the specified 4 business days following your receipt of the necessary documentation. This failure constitutes a violation of the law and makes this agency civilly liable for willful non-compliance, including any actual damages I have suffered as a result of this failure, in accordance with 15 U.S. Code 1681n.

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 2024-04-05 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: MA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: NY

Complaint narrative:
On the date I initially reached out to this agency via certified mail, I informed them of my identity theft victim status. However, as of todays date, this agency continues to include information in my credit report that stems from this identity theft incident. According to Section 605B, titled " Block of Information Resulting From Identity Theft, '' consumer reporting agencies are obligated to alert the sources of this information, such as financial institutions, about the potential origin of the information being identity theft, and to inform them that an identity theft report has been filed. I have provided this agency with FTC report numbers XXXX, XXXX, XXXX, and XXXX along with a formally requested block. Following such notification, Section 623 ( a ) ( 6 ) requires the sources of information to cease reporting any data in a consumers file that the consumer has identified as resulting from identity theft. This cessation must occur no later than 4 business days after the agency receives : ( 1 ) adequate proof of the consumer 's identity ; ( 2 ) a copy of the identity theft report ; ( 3 ) the consumer 's identification of the disputed information; and ( 4 ) a declaration by the consumer that the information is unrelated to any transactions made by them.

I have satisfied all these stipulations, and evidence supporting this claim will accompany this complaint. Despite fulfilling these requirements, this agency has not adhered to the requirement set forth by the FCRA 15 U.S. Code 1681c2 to block the reporting of the information I identified as arising from identity theft within the specified 4 business days following your receipt of the necessary documentation. This failure constitutes a violation of the law and makes this agency civilly liable for willful non-compliance, including any actual damages I have suffered as a result of this failure, in accordance with 15 U.S. Code 1681n.

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