vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2024-06-07 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of a fraud and scam. OXXXX XXXX XXXX XXXXXX/XX/year> I received a job offer for a XXXX XXXX XXXX XXXX XXXX XXXX position with a company called XXXX XXXX. A few days prior to this, I had a job interview via XXXX XXXX with a hiring XXXX named XXXX XXXX. I received a job offer email from a XXXX XXXX man named XXXX XXXX from the email XXXX. I signed the job offer letter, provided my driver 's license, passport, and social security number. On XX/XX/XXXX, the hiring manager XXXX XXXX told me on XXXX XXXX chat to purchase work equipment ( laptop, XXXX XXXX phone, and printer ) for the job. He said he will provide a mobile check for me to deposit into my bank account to pay for the work equipment. He sent me a mobile check for {$4400.00} which I deposited into my checking account at Bank of America on XX/XX/XXXX. The next day, Bank of America close my checking and savings account. I contacted the bank the same day and I was told that the check was a bad check and my account is closed because of this. I did not know the check wasn't good. I explained to the bank that my employer gave me this check for work equipment and the bank told me that I'm a victim of a scam. After this, I found out the job offer I got was not real and I was scammed. They were pretending to be a company called a " XXXX XXXX ''. I went to the police station and filed a police report. I also notified the real company " XXXX XXXX '' about this scam and fraud. Bank of America closed my account because of this and are reporting me to XXXX XXXX. I believe this is very unfair because I'm a victim of this fraud and scam and they shouldn't close my account because this isn't my fault. I shouldn't be reported to XXXX XXXX and I should be able to open a bank account. I want my Bank of America checking and savings account re-opened. I've attached my police report and other documents. Please help me in 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 2024-06-07 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had a fraudulent account on my report. Please remove this account from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2024-06-07 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: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2024-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
XXXX accounts are showing up on my credit reports that are not mine. The address and phone number associated with them are also not mine. I have never lived at the address or in the state. Nor have I ever shopped at XXXX XXXX XXXX or XXXX XXXX. 

TDRCS/XXXX. Opened XX/XX/year> {$5900.00} it has been charged off but is affecting my credit. Company is disputing also- File # XXXX XXXX XXXX. Also opened XX/XX/year> {$8000.00} it has also been charged off but is affecting my credit. Havent been able to get ahold of company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: CL Holdings LLC
State: TX

Complaint narrative:
I am writing to dispute inaccurate information on my credit report under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I recently reviewed my credit report and discovered erroneous information that is not mine. This misinformation is adversely affecting my creditworthiness and character, particularly as I am in the process of securing a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Leased a new car from XXXX ( XXXX XXXX XXXX ), XXXX term was XXXX  months from XXXX to XXXX. All monthly lease payments were done on time never late and completed in full. I returned the car back after the lease and got a request for payment of {$400.00}. Called XXXX and they told me that because I did not lease a new car, or purchased the car from them, I had to pay the {$400.00}, that is much more than my monthly lease was. I disputed that alleged debt and asked them to provide evidence, they did not provide any. 

Meanwhile XXXX reported to credit agencies that I owe {$420.00} now. I have a dispute with XXXX about this amount and also tried to reach a settlement with them, they refused to talk about it. They reported this alleged debt to credit agencies as if it was part of the loan. That is not correct, it is a disputed charge after the lease payments were paid in full. Their report is wrong, the {$400.00} had nothing to do with the monthly lease payments that anyway were already paid in full. Now this alleged balance shows up as nonpayment delinquency every month on my credit report. By filling this false information XXXX tarnishes my reputation and negatively affects my credit history. After they made the report to credit agencies, they after initially ignored my request to settle, offered to settle by giving me a small discount. I made a counteroffer which they ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
Portfolio Recov calls me daily from a different number. I have no outstanding debt and an extremely high credit score. This has been going on for over a month. Each day I block a new number and each day they use a different one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I paid my balance off. I specifically ask for the full balance and I paid it off in XXXX. Then I got a statement saying a {$5.00} cents. I called to inquire what that's for and the lady said I was late. I've never been late. Then she looked and said she can't remove it and it wasn't because I was late. So what I get charged interest on a XXXX balance. This is absolutely insane. I asked her what I had to pay in order to close the actual account and she stopped responding. So what are they going to do just keep charging me {$5.00} a month to have a XXXX balance on a card that I want to close? Charging every consumer with this card {$5.00} on XXXX balances certainly makes a lot of money but it's also extremely and morally wrong. How can they get away with this?

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 2024-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Upon reviewing my credit profiles, I've uncovered inaccuracies and now seek Metro-2 compliance for my credit report. I insist on the removal of any challenged or disputed misinformation. Furthermore, I demand that the bureau authenticate the authenticity of all federally composed legislative documents related to the challenged account allegations. Failure to comply may result in civil actions on my part. 

I'm kindly requesting verification of certain items on my credit report and would appreciate physical proof of verification. Additionally, I'm requesting a complete credit report to ensure accuracy. I'm grateful for the prompt attention and cooperation in this matter. 

I hope all is good with you as I write this. I am submitting this letter to formally dispute the veracity of some information found in my credit report. I've seen that there are unsupported statements that don't have supporting documentation, especially when it comes to accusations of delinquency and derogatoriness. 

I understand that Metro 2 data field reporting follows an industry standard, and as a responsible consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ). In compliance with federal and state regulations, it is imperative that all allegations be reported completely and truthfully. 

I therefore ask for concrete, independently verified proof of the accounts ' existence and authorized use. I demand the deletion of these accounts in the absence of such proof. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX  XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX  XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXXXXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX. XXXX XXXX | XX/XX/XXXX XXXX XXXX. XXXX XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX  XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX | XX/XX/XXXX I now provide permission to have an updated copy of my credit report and tangible paperwork outlining your actions delivered to me. 

We sincerely appreciate your quick responsiveness to this situation.

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 2024-06-07 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:
Upon reviewing my credit profiles, I've uncovered inaccuracies and now seek Metro-2 compliance for my credit report. I insist on the removal of any challenged or disputed misinformation. Furthermore, I demand that the bureau authenticate the authenticity of all federally composed legislative documents related to the challenged account allegations. Failure to comply may result in civil actions on my part.

I'm kindly requesting verification of certain items on my credit report and would appreciate physical proof of verification. Additionally, I'm requesting a complete credit report to ensure accuracy. I'm grateful for the prompt attention and cooperation in this matter.

I hope all is good with you as I write this. I am submitting this letter to formally dispute the veracity of some information found in my credit report. I've seen that there are unsupported statements that don't have supporting documentation, especially when it comes to accusations of delinquency and derogatoriness.

I understand that Metro 2 data field reporting follows an industry standard, and as a responsible consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ). In compliance with federal and state regulations, it is imperative that all allegations be reported completely and truthfully. 

I therefore ask for concrete, independently verified proof of the accounts ' existence and authorized use. I demand the deletion of these accounts in the absence of such proof. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX  XXXX XXXX | XX/XX/XXXX XXXX  XXXX XXXX | XX/XX/XXXX XXXX  XXXX XXXX | XX/XX/XXXX XXXX  XXXX XXXX  | XX/XX/XXXX XXXX  XXXX | XX/XX/XXXX XXXX  XXXX XXXX  XXXX  | XX/XX/XXXX XXXX  XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX. XXXX XXXX | XX/XX/XXXX XXXX XXXX. XXXX XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX  XXXX | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX | XX/XX/XXXX I now provide permission to have an updated copy of my credit report and tangible paperwork outlining your actions delivered to me. 

We sincerely appreciate your quick responsiveness to this situation.

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 2024-06-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
Blackhawk Networking is sending me [ and others ] invalid cards that can not be redeemed. 

I received {$480.00} from XXXX as a class action settlement payment ( see attachments ). 

But, when I click on " Get My Virtual Card, '' I always see an error ( see attachments ). 

The error reads : " Oops, We are unable to register your card at this time. Please try again later. '' This error is present regardless of what I try. 

Then, they will charge " dormancy / inactivity fees '' until the balance becomes XXXX. 

According to XXXX, a settlement of {>= $1,000,000} has been reached and is supposedly being distributed by Blackhawk Networking.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: CA

Complaint narrative:
I recently reviewed my credit report and was shocked to discover that I have been a victim of identity theft. Numerous accounts on my credit report were not opened by me. I am distressed that this information has been included in my credit profile and that your procedures have failed to ensure the highest possible accuracy in your reports. Credit reporting laws require that bureaus report only 100 % accurate information. Every measure must be taken to ensure the information reported is completely accurate and correct. 

I have already contacted the Federal Trade Commission and filed complaint # XXXX. I kindly request that you block and eliminate all erroneous information from my credit report and provide me with an updated copy in accordance with FCRA 605B ( 15 U.S.C. & 1681c-2 ), which mandates the removal of such accounts within 4 business days of receipt. Specifically, please remove all information related to identity theft, including the following accounts : XXXX. XXXX, Account number : XXXX. 
XXXX. XXXX, Account number : XXXX. 
XXXX. XXXX XXXX, Account number XXXX... 
XXXX. XXXX XXXX XXXX, Account number : XXXX... 
XXXX. XXXX XXXX, Account number : XXXX... 
XXXX. XXXX, Account number : XXXX... 
XXXX. XXXX, Account number : XXXX... 
XXXX. XXXX XXXX, date of inquiry : XX/XX/year> XXXX. XXXX XXXX, date of inquiry : XX/XX/year> XXXX. XXXX XXXX of inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX XXXX  XXXX - XXXX, CA XXXX ( Address ) XXXX XXXX XXXX XXXX XXXX - XXXX XXXX CA XXXX ( Address ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Address ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ( Address ) XXXX. XXXX XXXX XXXX - XXXX XXXX, CA XXXX ( Address ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, CA XXXX ( Address ) XXXX. ( XXXX ) XXXX XXXX Phone number XXXX. ( XXXX ) XXXX XXXX Phone number Furthermore, in compliance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following details : 1. The names and business addresses of each individual with whom you verified the information. 
XXXX. The date on which you contacted the individual information furnishers. 
XXXX. The method of communication used to verify the information. 

I want a human verified response as supposed to the computer generated responses I have been getting.

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