vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 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: MI

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 XXXX XXXX to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I would like to dispute these inaccurate accounts on my credit report. 

Equifax XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have taken steps to address this issue by reporting the fraudulent inquiries appearing on my consumer report. Your actions have caused me significant mental and financial distress by placing an inquiry on my account that I neither authorized nor am responsible for. As a victim of identity theft, I expect this matter to be resolved promptly and properly. Failure to do so may lead me to pursue legal action.

Due to these inaccurate and fraudulent items, I have been unable to purchase my dream car or adequately provide for my family. Please find attached a copy of a letter I previously sent regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have taken steps to address this issue by reporting the fraudulent inquiries appearing on my consumer report. Your actions have caused me significant mental and financial distress by placing an inquiry on my account that I neither authorized nor am responsible for. As a victim of identity theft, I expect this matter to be resolved promptly and properly. Failure to do so may lead me to pursue legal action. 

Due to these inaccurate and fraudulent items, I have been unable to purchase my dream car or adequately provide for my family. Please find attached a copy of a letter I previously sent regarding 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 2024-11-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/year>, I called the XXXX XXXX XXXX as I was having an issue with my phone. An XXXX XXXX XXXX  ( CS ) representative answered the phone and attempted to guide me through fixing the issue. Unable to fix it myself, XXXX XXXX wanted to remotely access my phone to fix the problem from their end. In my prior experience with XXXX XXXX, XXXX done this in past without any issues or concerns so I granted access through a normal appearing download they sent directly to my phone ( I can't recall what the download was. ) Again, something that had been done in the past and appeared very normal to me. Upon accessing my phone, I had the phone back up to my ear to speak to them and I heard a sound so I looked back down at my phone. The sound was a notification showing a transfer of {$2400.00} via XXXX to XXXX. I watch the authorization go through and at the same time Bank of America sends me a did you just authorize this transaction? I quickly in a panic I hit NO and told the person what did you do?!!! They said they had to go in to verify my phone and it was the only way to do it. I immediately hung up and called Bank of America letting them know I didn't authorize this. BofA said they would open an investigation and I would receive my funds back due to the fraud. That someone would contact me. Simultaneously, the " XXXX XXXX '' rep called back after I hung up the line. I told them I reported them to BofA as XXXX and would be contacting XXXX XXXX. The acting CS rep became angry yelling at me WHY DID YOU DO THAT? I told them return the funds you stole from me! Send back the funds! The phone disconnected. After not hearing from anyone I kept calling BofA continuously attempting to receive updates from their investigators. After weeks had gone by, I was advised that they ( BofA ) couldn't do anything because they had to ask the scammer 's bank if they would release the funds back. Since the scammer 's bank was not responding back to them, therefore refusing to release the funds they could not do anything until then. After XXXX  days, I contacted BofA again for an update at which time they further advised me that since the scammer 's bank did not respond back to them ( BofA ) would not release the scammed funds back and would not be refunding the {$2400.00}. Further telling me, there isn't anything that they can do, it was done via XXXX and I authorized it. I told them I did NOT authorized, that it was fraud! That someone, acting as an XXXXXXXX XXXX XXXX XXXX linked into the XXXX XXXX XXXX XXXX and fraudulently acted as an XXXX XXXX. BofA continued to refused to return the funds back to me. I had tried numerous times since then to speak to BofA employees to see if they would review the information I had given them and nothing.

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 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I never had a credit card thru capital one this file is fraudently opened I never gave them permission to use my credit file this is illegal and against my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: MI

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 XXXX XXXX to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-15 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: SC

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 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 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I am writing today because I do not recognize the debt you claim I owe, and therefore, I am requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following information so I can understand and confirm the legitimacy of this debt : -Verification of the debt Identify the original creditor, including any relevant account numbers and any prior debt collection agencies involved, if applicable. 

-Proof of ownership Provide documentation verifying that you have the legal authority to collect this debt and any transfer documentation if this debt was purchased or assigned. 

-Itemized debt breakdown Include an itemized statement showing the original amount, interest, fees, and any adjustments or payments made. 

-Proof of my liability Any documents that demonstrate I am legally obligated to pay this debt. 

Additionally, please provide any documents or correspondence bearing my signature related to the alleged debt to verify its authenticity. 

Until I receive proper validation, I request that you cease all collection activities and do not report this debt to any credit reporting agencies, as doing so without proper validation would be inaccurate. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
This is in response to ALLY BANK and/or PLUS FINANCE for account ending in XXXX ; According to the Internal Revenue Service ( IRS ) XXXX an unpaid charge-off is considered INCOME and according to the Fair Credit Reporting Act ( FCRA ), Income can not be reported on a credit report. As of XX/XX/year>, the information being reported as Charge-off is inaccurate and per the FCRA this account is required to be deleted ; I also have not received the XXXX so I may assess the taxes upon this transaction, please provide. 

I also revoked the power of attorney, and reserved all my rights, titles, and interest in the transaction, as well as my right to privacy in reporting information in a previous complaint.

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 2024-11-15 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover Bank last reported XX/XX/XXXX balance {$12000.00} account closed - XXXX XXXX - charged off as bad debt profit and loss - canceled by credit grantor XXXX card services balance {$8900.00} charged off as bad debt profit and loss account closed XX/XX/XXXX, XXXX. 
XXXX XXXX services- {$5500.00} account closed XX/XX/XXXX, XXXX. 
XXXX closed XX/XX/XXXX - {$3600.00} charged off as bad debt profit and loss account closed XX/XX/XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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:
I requested on XX/XX/year> for the XXXX, Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXXXXXX XXXX  ), XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ), and XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ) and validate the account and provide me with a copy of my wet ink signature and I have not receive nothing from anyone to this day. I have never done business with neither of these companies.

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 2024-11-15 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

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 2024-11-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Dept. of Ed/AIDV. {$.00} Dept. of Ed/AIDV. {$9700.00} I gave no authorization for my information be shared to a 3rd and the balance isnt accurate. 
XXXX XXXX XXXX XXXX {$230.00} Im unaware of any balance again no authorization was given to share my information also invalid information such as addresses etc XXXX {$720.00} XXXX XXXX XXXX {$410.00} I gave no authorization for my information to be submitted to any other agency XXXX XXXX XXXX {$1100.00} I gave no authorization for any of my information to be shared third party incorrect addresses information etc

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2024-11-15 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: MA

Complaint narrative:
XXXX. I booked a hotel room for the night of XX/XX/XXXX on XX/XX/XXXX at XXXX XXXX in XXXX. The cancelation policy was clearly listed on website as Deposits are refundable up to XXXX days prior to arrival. I was billed {$310.00} on my Goldman Sachs/Apple credit card XXXX 
XXXX. I first tried to cancel this room on XX/XX/XXXX and got no response. I have copy of email I sent the hotel. I did not get a response XXXX. I tried again on XX/XX/XXXX. I then forgot about it until XXXX when on XX/XX/XXXX I sent another email to the hotel I finally got a response and had a series of email exchanges with the hotel. They offered a variety of reasons why they could not cancel the room despite their stated policy. I have these emails XXXX. On XX/XX/XXXX ( still 7 days before when I was to arrive at the hotel ) I filed a dispute with GoldmanSachs and provided them with all the documentation. This dispute was denied in XXXX. I contested the decision immediately. Please see the uploaded file XXXX. Today I was told by GoldmanSachs that my dispute was denied but they provided no information as to why it was not resolved in my favor. They did this silently and made no attempt to contact me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have contacted the companies more than XXXX times by phone more than XXXX  times by letter and I cant even get my OWN XXXX XXXX without paying for it..WHY?

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 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
XX/XX/XXXX, disputed fradulant charges, 4 total fradulant ATM transactions a total of XXXX called USAA bank and reported fraudlant charges. USAA canceled card and issued a new one to me, arrvied 3 days later on XX/XX/XXXX XXXX new card, XX/XX/XXXX, 4 fraudlant charges on account in a total amount of XXXX called and disputed this a fradulant charges. 

bank dide a provision credited on the money back on both disputes and launched investigation. 

XX/XX/XXXX, i was sent 2 documents stating that both of my fraudlant claims were denined and deemed unfradulant. Usaa then revserved my credits and quoted " information provided during the claims was concluded to be non fradulant. 

i am out XXXX XXXX 

i called and asked to appeal these claims and they have reopened the investgation. 
when i spoke to fruad department, there were no notes on my claims reports entered by the call service reps. 

between XXXX until present date fruadulant activity has happened multiple times throught my memebership with USAA and i have never had an issue. each time they have launched the investigation first and then reimbursed my amounts back to me but in this case, they offered the credit first before in investigation ( which in my mind is was accepted as fraudlant activity from the investigation due to the money being returned )

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 2024-11-15 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: IL

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts, and I have no knowledge of their origin. Under USC 1681g, I am formally requesting their removal within 15 days. I have included relevant documents for your review and reference.

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 2024-11-15 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
I noticed XXXX hard inquiries for a vehicle loan or credit loan on my credit in XXXX of XXXX. The issue is, I already own a vehicle that has been keeping my expenses much lower than getting a car payment. Its a bit unfortunate that information is easily accessible in the internet age. Hopefully, more secure measures will arise to avoid this kind of situation in the near future

Company response to consumer: Closed with explanation