vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to this complaint. 

I contacted XXXX XXXX XXXX about an account that they are reporting to my credit report. They are reporting the account fraudulently and without my authorization and consent. 

They claim that I owe them balances on debt accounts but they have not provided VALIDATION that a contract exists between myself and XXXX XXXX XXXX. If no contractual obligation exists between us then how could I legitimately owe them for any debt? XXXX XXXX claims to have purchased the debt from Synchrony Bank but my contract was between myself and Synchrony Bank, who I am in the process of entering into arbitration with. If XXXX XXXX XXXX continues furnishing, reporting, and making attempts to collect debt that does not belong to me then I will have to include them in an arbitration claim for violation of the FCRA, FDCPA, and for aggravated identity theft. 

Please see XXXX XXXX XXXX info in identity theft report 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 2023-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, my partner went to deposit cash into my account at a Bank of America ATM because I needed to pay my mortgage. The ATM machine did not return my card and presented a message saying that I had to go to a Bank of America office in person to request a new card. The next day, XX/XX/XXXX I see that two transactions, one of {$800.00} and another one of {$950.00} were charged to my card at a XXXX grocery store near the ATM machine that did not return my card. I immediately go to the bank and they tell me to file a dispute and block my card. I do this and Im told to wait about 10 days for a decision. Then I see my Bank of America mortgage account has late fees applied because it wasnt paid. I did not have the money since the money had been stolen therefore I went in person once again to Bank of America to have the late fees removed and after a full day at the office they were able to remove them and I managed to make the payment. The employees told me that based of the evidence of the ATM machine not returning my card I should have the money returned because I needed it to pay for my mortgage. On XX/XX/XXXX I receive a letter stating that my dispute was denied. I have a photo of the ATM message stating that my card could not be returned to me therefore it was not in my possession because the ATM machine did not return it, therefore I did not have the card to make those two transactions at a XXXX grocery store. I have also filed a police report to further investigate and prove that I did not authorize these two transactions.

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 2023-10-01 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: NV

Complaint narrative:
i recently viewed my credit report and saw a lot of inaccuracies in it. i then proceeded to contact the various companies involved in order to remedy the situation. i was basically told that there was nothing that they could do. i found this to be a disingenuous statement and proceed to XXXX what could be done about it. i learned that i should ask, in writing, for them to investigate it. which i did on XX/XX/XXXX. i waited 30 days then demanded, in writing, that these inaccuracies be removed. that was XX/XX/XXXX, yet nothing was done. so now, more than 30 days after that, i am here at the cfpb website seeking some sort of resolution. TransUnion : XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX account XXXX, XXXX : XX/XX/XXXX accountXX/XX/XXXX, XXXX : XX/XX/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 2023-10-01 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: UT

Complaint narrative:
XXXX BANK THIS IS GOING TO LAND YOU IN A COURT OF LAW TO EXPLAIN TO A JUDGE AND JURY. KEEP IN MIND OTHER PEOPLE SIT IN THE COURT ROOM LISTENING TO CASES AND MAY BE YOUR CUSTOMERS! THEY MAY ALSO HAVE PROBLEMS ON THEIR CREDIT THAT THEY'VE BEEN UNABLE TO GET FIXED THROUGH THE BUREAUS, THAT THEY ARE RIGHT ON, AS AM I ABOUT THIS, THAT CONTINGENT UPON THE OUTCOME WILL ENCOURAGE THEM TO FIGHT BACK TOO. IS THAT REALLY WHERE WE WANT TO TAKE THIS???? REVIEW THE LETTER YOU SENT WITH MY COMMENTS ON IT, AS WELL AS THE ATTACHMENTS FOR XXXX AND EQUIFAX! XXXX USUALLY ADDS AN EXPIRATION DATE AS TO WHEN THE ACCOUNT WILL FALL OFF. I'VE ALREADY ADDRESSED THIS WITH THEM AND THEY'VE FAILED TO RESPOND, EQUIFAX HAS FAILED TO SHOW THIS ACCOUNT AS " CLOSED '', DELETE THE INACCURATE 2 YEAR PAYMENT HISTORY THEY'RE SHOWING FOR A " CLOSED '' ACCOUNT, AND REFLECT ACCURATE PAY OFF AND LAST REPORTED DATES. THIS ACCOUNT WAS PAID OFF AND WAS NEGATIVE IN XX/XX/XXXX NOT XX/XX/XXXX!!!! GET A FLIPPING GRIP!!!!! IF YOU CAN'T READ A CREDIT REPORT YOU SHOULDN'T BE WORKING IN A CREDIT BASED BUSINESS!! YOU WILL NOT LEAVE INCORRECT INFORMATION ON MY REPORT AND EXPECT ME TO GO AWAY. I'M NOT GOING TO GO AWAY AND WILL FIGHT YOU TOOTH AND NAIL!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 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: UT

Complaint narrative:
XXXX XXXX  THIS IS GOING TO LAND YOU IN A COURT OF LAW TO EXPLAIN TO A JUDGE AND JURY. KEEP IN MIND OTHER PEOPLE SIT IN THE COURT ROOM LISTENING TO CASES AND MAY BE YOUR CUSTOMERS! THEY MAY ALSO HAVE PROBLEMS ON THEIR CREDIT THAT THEY'VE BEEN UNABLE TO GET FIXED THROUGH THE BUREAUS, THAT THEY ARE RIGHT ON, AS AM I ABOUT THIS, THAT CONTINGENT UPON THE OUTCOME WILL ENCOURAGE THEM TO FIGHT BACK TOO. IS THAT REALLY WHERE WE WANT TO TAKE THIS???? REVIEW THE LETTER YOU SENT WITH MY COMMENTS ON IT, AS WELL AS THE ATTACHMENTS FOR EXPERIAN AND XXXX! EXPERIAN USUALLY ADDS AN EXPIRATION DATE AS TO WHEN THE ACCOUNT WILL FALL OFF. I'VE ALREADY ADDRESSED THIS WITH THEM AND THEY'VE FAILED TO RESPOND, XXXX HAS FAILED TO SHOW THIS ACCOUNT AS " CLOSED '', DELETE THE INACCURATE 2 YEAR PAYMENT HISTORY THEY'RE SHOWING FOR A " CLOSED '' ACCOUNT, AND REFLECT ACCURATE PAY OFF AND LAST REPORTED DATES. THIS ACCOUNT WAS PAID OFF AND WAS NEGATIVE IN XX/XX/XXXX NOT XX/XX/XXXX!!!! GET A XXXX GRIP!!!!! IF YOU CAN'T READ A CREDIT REPORT YOU SHOULDN'T BE WORKING IN A CREDIT BASED BUSINESS!! YOU WILL NOT LEAVE INCORRECT INFORMATION ON MY REPORT AND EXPECT ME TO GO AWAY. I'M NOT GOING TO GO AWAY AND WILL FIGHT YOU TOOTH AND NAIL!!!!

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 2023-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to this complaint. 

I contacted Portfolio Recovery Associates about an account that they are reporting to my credit report. They are reporting the account fraudulently and without my authorization and consent. 

They claim that I owe them balances on debt accounts but they have not provided VALIDATION that a contract exists between myself and Portfolio Recovery Associates. If no contractual obligation exists between us then how could I legitimately owe them for any debt? XXXX XXXX claims to have purchased the debt from XXXX Bank but my contract was between myself and XXXX Bank, who I am in the process of entering into arbitration with. If Portfolio Recovery Associates continues furnishing, reporting, and making attempts to collect debt that does not belong to me then I will have to include them in an arbitration claim for violation of the FCRA, FDCPA, and for aggravated identity theft. 

Please see Portfolio Recovery Associates info in identity theft report attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a letter out on XX/XX/XXXX XXXX to Transunion here is my certified mail tracking number : XXXX. However, it's been more than 30 days and the credit bureau failed to send my investigation back. This Is not making sense., The Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully furnishing my { Transunion } consumer report on XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

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 2023-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: ID

Complaint narrative:
Repeated calls with the caller ID Portfolio Recovery, a known predatory debt collector. This company calls from several different numbers, I have blocked them all but they don't stop. I do not owe any debts to these people. The latest number they called from just a few minutes ago was XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 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: LA

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2023-10-01 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: LA

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/2023. I applied for a car loan with Navy Federal Credit Union for the amount of {$15000.00} and was denied credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA
State: NC

Complaint narrative:
I have previously disputed the accuracy of payment to Fed LoanXXXX as reporting from XXXX this account is reporting late as 7 different accounts XXXX XXXX. I was never late on this account and it is damaging to my credit profile. This accounts need to be either removed or updated to a positive payment history immediately. These accounts were removed from XXXX but XXXX isn't being helpful at all and continues to report negative and unverified items that are very damaging to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On XX/XX/23 I paid off my visa in full leaving a XXXX balance. On XX/XX/23 I was charged {$37.00} on a XXXX balance. I called for an explanation and was told first they didnt receive my payment prior to the charge, which was incorrect since I paid in full 12 days prior to the interest charge, then I was told it was because I did not pay my card in full for two separate months in a row. When I asked what purchase the interest was being applied to there was no answer just repeated that I did not pay in full two months in a row. I advised I wanted to cancel my card. They then Replied that they would no longer help resolve the issue if I cancelled my card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-01 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: NV

Complaint narrative:
i recently viewed my credit report and saw a lot of inaccuracies in it. i then proceeded to contact the various companies involved in order to remedy the situation. i was basically told that there was nothing that they could do. i found this to be a disingenuous statement and proceed to XXXX what could be done about it. i learned that i should ask, in writing, for them to investigate it. which i did on XX/XX/XXXX. i waited 30 days then demanded, in writing, that these inaccuracies be removed. that was XX/XX/XXXX, yet nothing was done. so now, more than 30 days after that, i am here at the cfpb website seeking some sort of resolution. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 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: NV

Complaint narrative:
i recently viewed my credit report and saw a lot of inaccuracies in it. i then proceeded to contact the various companies involved in order to remedy the situation. i was basically told that there was nothing that they could do. i found this to be a disingenuous statement and proceed to XXXX what could be done about it. i learned that i should ask, in writing, for them to investigate it. which i did on XX/XX/XXXX. i waited 30 days then demanded, in writing, that these inaccuracies be removed. that was XX/XX/XXXX, yet nothing was done. so now, more than 30 days after that, i am here at the cfpb website seeking some sort of resolution. XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-01 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:
To whom it may concern, This letter is a formal complaint that TransUnion, XXXX, and XXXX are reporting inaccurate and incomplete credit information. I have submitted multiple attempts asking the consumer reporting agencies to reinvestigate the accounts and provide proof that the accounts are in fact, accurate & correct. I submitted requests on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023. Each time, the consumer reporting agencies responded back to me and the Consumer Financial Protection Bureau that the accounts were accurate. This was in fact a lie ; the consumer reporting agencies have lied multiple times to me and the Consumer Financial Protection Bureau & violated multiple FCRA laws. 

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 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.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original Comsumer contract with my signature on it ) that you have on file for the accounts listed below. Or a certification from the creditor that certified the accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me copy of verifiable proof, you must DELETE the accounts listed below. 

XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX In addition, DELETE all non-account holding inquires over 30 days old, Also, please add a promotional suppression to my consumer file. 

Under federal law, you have thirty ( 30 ) days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2023, someone forged a fake check against my Fifth Third savings account for a total of {$10000.00}. We filed a dispute with Fifth Third on XX/XX/2023, after dealing with numerous other fraudulent checks against our Fifth Third accounts. The local branch told us that our dispute has been denied because we reported it too late. However, I can not find any evidence of this policy on their website, nor can a bank employee provide me with a copy of the policy, they claim for this to have disputed we had to report it 30 days after the end of the statement period. Another reason we didnt notice this immediately is because we didnt think it was possible to write a check against a savings account. I have never ordered checks for my savings account, nor would I since I also have a Fifth Third savings account. While we have been dealing with multiple accounts of fraud, several Fifth Third employees told us that somebody made 36 straight attempts to log into my account and on the 36th try they were granted access. According to the employees the account should have been locked out after 4 failed attempts. Also, when logging in online from a computer/device that isnt recognized a security code is supposed to be sent to the phone number on the account to verify the correct person is logging in. Again, that didnt happen, which resulted in my accounts being compromised. Fifth Third had committed to doing nothing to resolve this problem even though it is clearly their fault, and I am paying the price for them not taking their duty and responsibility of protecting my money.

Company response to consumer: Closed with explanation