vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-12 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been a member of BofA for over 25 years. 

I am on Social Security and have a FIXED income. Losing {$3500.00} from a XXXX scam from BofA has put my back against a wall. 

I had NEVER used the XXXX app until XX/XX/XXXX, when I received a spam text ( see photo ). 

On XX/XX/XXXX, I was sent a text message ( XXXX ) XXXX ) asking me if I had approved a {$3500.00} transfer from my BofA checking account reply with " YES or NO or Help ) I replied NO and Help. Within XXXX seconds or so, I had a phone call from a BofA phone number XXXX. I was asked if I had the XXXX app on my phone, and I told them I would have to download it because I had never used it. 

I then downloaded the XXXX app, They told me I needed to send this so the money {$3500.00} would revert to me. I listened to what they said and did what they told me. Within seconds my account was deleted for {$3500.00}. I called BofA and started a complaint on XXXX XX/XX/XXXX. I was told the process would take a maximum of 10 days. I received a notice that My claim was denied. I called BofA back to discuss this, and the person I spoke with told me that the way the paperwork was sent in was not correct. She " fixed '' it. I again was denied on XX/XX/XXXX ( see photo ). 

On XX/XX/XXXX, I received another text message from a new number ( XXXX ) XXXX ). Someone within BofA or elsewhere must have sold my personal information. I haven't had any further calls or texts. 

I would like my {$3500.00} returned to me as soon as possible. 

XXXX Bank of America and XXXX XXXX have been sued by consumers who allege they were defrauded by scam artists using XXXX payments. ( XX/XX/XXXX, XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: CA

Complaint narrative:
a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: CA

Complaint narrative:
a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: IL

Complaint narrative:
I'm writing to communicate my XXXX with respect to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be completely researched. Regardless of my endeavors, I still can't seem to get any goal or remedial activity. These wrong records are seriously harming my credit document and impeding my capacity to carry on with an ordinary life. The adverse consequences of these mistakes have caused huge difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is happening straightaway. I mercifully demand that you direct an exhaustive examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and redress my credit report right away. With your assistance, I desire to reestablish the exactness and uprightness of my credit record so I might recover command over my monetary prosperity. I truly encourage you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue expeditiously would be enormously valuable. Much thanks to you ahead of time for your comprehension and help.

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 2024-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adelante, Inc
State: TX

Complaint narrative:
I am writing regarding a collection entry from your agency that has appeared on my credit file. This entry is of significant concern to me as I was not previously notified of this collection, and I have serious reservations about the accuracy of the claimed debt.

As is my right under the Fair Debt Collection Practices Act, I am formally requesting validation of this debt. I expect you to provide this validation and take appropriate steps to address this issue.

Please note that a comprehensive response, including all requested items, must be furnished within 15 days of the date of this communication. Be advised that failure to provide a satisfactory validation response within this timeframe will be deemed insufficient.

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 2024-08-12 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: IL

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

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 2024-08-12 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:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

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 2024-08-12 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:
I was unaware of this debt when it appeared on my credit report, I didnt have the opportunity to dispute this information. If in fact you believe you gave me proper notification please send me the certified documentation that shows that I was aware of this debt that had my signature stating that I received this documentation. 
In the absence of such documentation, I respectfully request that the accounts be removed from my credit report, as I was not given the opportunity to address these debts in a timely manner. 

Please provide me with the requested documentation or proceed with the deletion of the accounts from my credit report. I would appreciate your prompt attention to this matter. 

Account : XXXX XXXX  - XXXX Account : XXXX XXXX XXXX XXXX - XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX - XXXX Account : XXXX - XXXX Account : XXXX XXXX  XXXX Account : XXXX XXXX XXXXXXXX Account : 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 2024-08-12 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: GA

Complaint narrative:
I was unaware of this debt when it appeared on my credit report, I didnt have the opportunity to dispute this information. If in fact you believe you gave me proper notification please send me the certified documentation that shows that I was aware of this debt that had my signature stating that I received this documentation. 
In the absence of such documentation, I respectfully request that the accounts be removed from my credit report, as I was not given the opportunity to address these debts in a timely manner. 

Please provide me with the requested documentation or proceed with the deletion of the accounts from my credit report. I would appreciate your prompt attention to this matter. 

Account : XXXX XXXX  - XXXX Account : XXXX XXXX XXXX XXXX  - XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX - XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-08-12 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: IL

Complaint narrative:
I am writing to formally request your assistance in resolving an issue with inaccurate credit reporting by XXXX XXXX XXXX XXXX ( XXXX ) regarding an auto loan that has been fully paid off. Despite satisfying this loan in full, XXXX XXXX continues to report the loan as unpaid/late on my credit report, negatively impacting my XXXX XXXX and financial standing. 

XXXX XXXX XXXX : The loan is still being reported as unpaid/late on my credit report. 

Supporting Documentation : XXXX of XXXX : Attached is a copy of the letter from XXXX XXXX confirming that the loan has been paid in full. 

Title : I have also attached a copy of the title to the vehicle, which further evidences that the loan has been satisfied. 

I have made several attempts to resolve this issue directly with XXXX XXXX, but unfortunately, they have not corrected the reporting error. I am requesting that the CFPB assist in ensuring that XXXX XXXX updates my credit report to reflect the accurate status of this loan as " paid in full '' with a XXXX balance. 

This inaccurate reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that all information furnished to credit reporting agencies must be accurate and complete.

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 2024-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Barclay 's credit card, reduced my credit limit from XXXX dollars to XXXX dollars. I'm not sure why. If an inquiry was done after the initial credit limit of XXXX, was given, it was NOT with my CONSENT.

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 2024-08-12 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: MI

Complaint narrative:
On XX/XX/XXXX an inquiry was reported from XXXX XXXX and permitted by Equifax along with another on XX/XX/XXXX from XXXX XXXX. I did not authorize either of these inquiries therefore I contacted Equifax to have them disputed for removal and Equifax refused to accept the dispute which is a violation of my consumer rights. I have the right by law to dispute any unauthorized transactions on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: GA

Complaint narrative:
Hi, I'm submitting this complaint because I have nowhere to turn to! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & Equifax didn't make sure it was reporting XXXX XXXX correct. 
In accordance with the FCRA and Metro 2 compliance reporting standards. 
Everything has to be XXXX XXXX  accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX XXXX accurate. I'm disappointed that XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
While I was traveling abroad my information was compromised. Multiple accounts were opened and I couldn't access any of my credit monitoring apps due to that being compromised too. The scammer was using my card and then paying the balance off with stolen bank account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am formally demanding that LVNV Funding LLC immediately cease and desist all communication with me regarding the alleged debt. This demand includes the deletion of any negative information related to this debt from my consumer reports. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), a consumer has the right to request a debt collector cease further communication. Moreover, a consumer report is considered a " medium of communication '' as established in the case XXXX XXXX  XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ). In this case, the court confirmed that a credit report falls under the definition of a medium of communication. Therefore, the continued reporting of this debt on my consumer report violates my rights under the FDCPA. I expect immediate action to rectify this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
my account bank was bridge on XX/XX/XXXX, I call the bank right away, I change my password right away, they did fraudulent transaction into my account, I went to the bank they close my account, they say it's a final decision with no explanation. I'm Victim of fraud and they treat me like trash. I'm bank of America customer for over years with no issues, overdraft or any transaction fraudulent. please help

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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my credt report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reported In my creds report is the one mentioned stated below. 
*My first name is : XXXX XXXX Middle Name : XXXX XXXX FIRST LAST NAME : XXXX XXXX SECOND LAST NAME : XXXX XXXX : XXXX MY DATE OF BIRTH IS XX/XX/year> MY ONLY ADDRESS IS : XXXX XXXX XXXX XXXX, XXXX, FL ZIP CODE 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 2024-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 confidentially under 15 USC 1681.15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) is reason to believe that the information is inaccurate and this account should be removed from my credit file.

15 U.S.C Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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 to believe that the information inaccurate and violating my federally protected rights. I'm respectfully requesting these accounts be deleted. Thank you for your time! Pursuent to the FCRA and the CFPB my rghts are clearly in violation and Im requesting tat tese accounts be removed at your earliest possible convience!

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 2024-08-12 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: NY

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 confidentially under 15 USC 1681.15 U.S.C 1681 Section

602 A. states I have the right to privacy. 15 U.S.C 1681s-2 ( A ) ( 1 ) is reason to believe that the information is inaccurate and this account should be removed from my credit file.

15 U.S.C Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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 to believe that the information inaccurate and violating my federally protected rights. I'm respectfully requesting these accounts be deleted. Thank you for your time! Pursuent to the FCRA and the CFPB my rghts are clearly in violation and Im requesting tat tese accounts be removed at your earliest possible convience!

Company response to consumer: Closed with non-monetary relief