vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-12 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/XXXX, I noticed a charge of {$29.00} on my XX/XX/XXXX Sychrony Bank credit card that was not authorized by me. I wrote the bank to ask them to investigate and remove the charge. I heard nothing from them. 

They continued to keep the fraudulent charge on my account and also charge interest for not paying the fraudulent charge. 

In XX/XX/XXXX, I noticed another charge for {$150.00} on my XX/XX/XXXX Sychrony Bank credit card that was not authorized by me. I wrote the bank again. This time I requested they investigate both the {$29.00} charge and the {$150.00}. Additionally, I requested they remove all interest charges that had been charged to my account for the unpaid {$29.00}. 

All other charges from XX/XX/XXXX through XX/XX/XXXX were paid in full. 

I heard nothing from them on either investigation request. Accordingly, I again requested they investigate. I continued to pay all other charges in full. 

Synchrony Bank sent me a " Fraud Investigation Form '' in XX/XX/XXXX, which I completed and returned to them in XX/XX/XXXX. 

I heard nothing from them, and they continued to charge my account for interest on the fraudulent charges of {$29.00} and {$150.00}. Consequently, I closed my account in late XXXX. 

I would like Synchrony Bank to correct my account, remove all charges from my account ; including interest, penalties, and late fees ; and report my account in good standing to all credit reporting agencies.

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 2024-06-12 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: GA

Complaint narrative:
There is information that is obtained on my consumer report that is a result of identity theft. I did not at any time provide written permission or instruction for the identified transactions to be reported on my consumer report. I'm requesting the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made based on a material misrepresentation of fact by me relevant to the request to block. The identified transactions are not information related to my transactions as a consumer. 

SEE ATTACHED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 non-monetary relief
Consumer complaint received 2024-06-12 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: PA

Complaint narrative:
I applied for an account using all of my consumer information at https : //www.netcredit.com then they quickly changed my password and locked me out of the account. No matter what I did they kept me locked out of it and completely ignored me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There are several questions regarding the whereabouts of the funds of which I was supposed to have received from the EDD. However for this complaint Ill narrow it to one transaction in the amount of {$2000.00}. According to documents received from BofA on XX/XX/year> I transferred {$2000.00} to a savings or checking account. Never once did I transfer money in or out of this account. I wouldnt think it was possible. When I called and asked to what checking or savings account the {$2000.00} was transferred to, I was told they could not give me that information. I then asked for copies of my statements. Which Ive asked for on several occasions during the time I was using this account and never received them. The following documents is what I received as my statements. After adding all the amounts up including all duplicate amounts, they equal what the EDD shows as received according to the 1099G form the EDD provided within a XXXX  XXXX XXXX. Which clearly indicates I was double charged for nearly all purchases by Bank of America. The documents received indicate the {$2000.00} transaction as something different than that on the statement. The description was changed to now say Direct Deposit Funds Transfer to checking/savings. Another documents I received from Bank of America indicated the funds went to XXXX XXXX. So which is it? Where exactly did these funds go to? And who transferred them? I went onto my EDD/XXXX  account and there are no payments according to them! No over payments! Actually there was an alleged XXXX over payment approximately a year earlier in the amount of {$350.00} and was deducted from my benefits but when reviewed again, it was discovered as a mistake and was supposedly reissued at the end of my payments of benefits. However I dont see that amount anywhere in the docs, Which will be another complaint. Incidentally, I worked for the EDD from XXXX and still have friends from Administrative Law Judges to Office Technicians who still work at both XXXX and EDD, I actually worked for the XXXX  And boy, we are all in for a long drawn out disgusting ride! Soo not only is Bank of AMERICA stealing funds from their customers ( unemployed customers ) but they are manipulating the documents to benefit their fraudulent manipulative thieving ways! I will be submitting SEVERAL MORE COMPLAINTS IN THE NEAR FUTURE! And if I or any other citizen did what they have done, wed be in prison! So whats up? XXXX XXXX XXXX! I imagine eventually someone will!

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 2024-06-12 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: RI

Complaint narrative:
Reviewed my consumer reports and noticed that I had two late for consumer reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: EQUIFAX, INC.
State: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: EQUIFAX, INC.
State: TN

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I looked up my report on XX/XX/2024, and contacted agency to noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts listed XXXX XXXX-XXXX XXXX XXXX XXXX Also according to 15 USC 1681s-2 A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause that the information is inaccurate. 

I looked back on my report XX/XX/2024 and contacted agency again, to noticed some things were still incorrect and inaccurate. According to 15 USC 1681i 5 the agencies are suppose to do these ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of consumer. 

A description of the investigation 15 USC 1681i ( 7 ) : ( 7 ) Description of the reinvestigation procedure a consumer reporting agency shall provide to consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by no later then 15 days after a request from the consumer for that description. 

Though, this did not happen...

Therefore, according to 15 USC 1681s-2 agency aren't supposed to furnish any information relating to consumer to any consumer agency if the person knows or has reason 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 explanation
Consumer complaint received 2024-06-12 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: SC

Complaint narrative:
15 USC 1681 ( e ) b The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TH Professional & Medical Collections LTD
State: IL

Complaint narrative:
Got first collection letter from them dated in XXXX of XXXX. The Balance they said theyre collecting was for XXXX XX/XX/XXXX for minor daughters XXXX. Original biller is XXXX XXXX Bal of {$1000.00}. 
I called collection agency on XXXX let them know that I talked to original biller and they are resubmitting tthe claim to XXXX XXXX XXXX XXXX XXXX  XXXX. 
I got another collections notice from them dated XXXX stating that XXXX paid their part, and that I am still responsible for {$460.00}. I called agency again on XXXX they told me XXXX paid their part and Medicaid denied it. Told them I have already spoke to Medicaid and they are telling me they have not denied it and confirmed that I was active during XXXX there for my daughter should not have balance. Theyre rude and unhelpful. 
XXXX from XXXX XXXX told me yesterday XXXX that after my phone call to them XX/XX/XXXX, the issue was resolved on XX/XX/XXXX. She said they talked to the original biller and talked with XXXX verified that we were covered and XXXX told her that I have a XXXX dollar balance and just need to wait for the collections balance to XXXX out. Which has not happened. It is illegal to continue to harass and bill someone who has provided proof on multiple occasions that I was covered by Medicaid, its a violation of my rights as well. 

Collection agency is t-h professional & medical collections ltd Phone number is XXXX No one wants to help or stop harassing me Ill get a lawyer to sue them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Credit Management was sent a certified letter on XXXX XXXX. I requested verification of the alleged debt, specifically a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. Midland Credit Management failed to provide the above-mentioned item and just sent a letter stating they own the debt. 

I informed them if they could not provide the requested documentation of all parties involved I want the item removed from the credit report IMMEDIATELY. To this date they have not complied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 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:
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 2024-06-12 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: NJ

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-06-12 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: Early Warning Services, LLC
State: NY

Complaint narrative:
ON XX/XX/XXXX I FAXED OVER FTC IDENTIFY THEFT REPORT TO TD CUSTOMER SERVICE FRAUD DEPEARTMENT ABOUT ACCOUNT TELLING DEM TO CLOSE THE UNAUTHORIZED ACCOUNT THATS REPORTING TO EWS ( EARLY WARNING SERVICES )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
ON XX/XX/XXXX I FAXED OVER FTC IDENTIFY THEFT REPORT TO TD CUSTOMER SERVICE FRAUD DEPEARTMENT ABOUT ACCOUNT TELLING DEM TO CLOSE THE UNAUTHORIZED ACCOUNT THATS REPORTING TO EWS ( EARLY WARNING SERVICES )

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 2024-06-12 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: EQUIFAX, INC.
State: TN

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 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: EQUIFAX, INC.
State: TN

Complaint narrative:
PLEASE BLOCK AND REMOVE I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
My mortgage was in the rears for more than 12 months. Mortgage company hired XXXX XXXX XXXX XXXX XXXX XXXX to conduct a foreclosure on my property. The scheduled date for the sheriff sale was XX/XX/2024. On XX/XX/XXXX I called mortgage company to schedule a payment plan. They agreed to take {$300.00} per month and took {$300.00} on the same day. They also took another {$300.00} on XX/XX/2024. However the foreclosure sale still happened on XX/XX/2024 even after they have taken my two payments. Mortgage company has entered into an illegal Dual Tracking and in the state of Minnesota this is predatory and highly illegal. I called mortgage company several times and after a couple of weeks of giving me the run around they told me that there is nothing they can do. I proceeded to contact XXXX, XXXX XXXX XXXX XXXX the attorneys in charged of the foreclosure sale on XX/XX/2024 and spoke to attorney XXXX XXXX who asked me to submit proof of my payments which I emailed to him on the same day. After no reply for more than 10 days I emailed him back inquiring about my case and he responded " We have forwarded your file and your messages to Shellpoint and escalated them as a matter to be investigated in a timely manner. '' As of today no response has been received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
AFFIRM ACCT : XXXX Amount : {$360.00} This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX Main XXXX XXXX, MO. XXXX

Company response to consumer: Closed with explanation