vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I am writing to complaint to SYNCB/MC about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX SC, XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/year>, I was traveling to XXXX and stopped by a gas station. I was charged USDXXXX for gas. When checking my statement, I could see a fraudulent charge of USDXXXX ( XXXX XXXX Pesos ) by XXXX XXXX XXXX . I went to the Bank of America of XXXX XXXX to file a complaint with the manager. After 1 week, the bank sent me a letter saying the dispute was not valid, as I had input my password for the expense. I called BOFA and said it was a fraud, that I had never input any password, and I wanted their statement with proof that I did. The attendant said " we have no proof you were present when this transaction happened, I will make another complaint, and you will get another letter soon ''. When the new letter arrived, again it denied my request for refund. 
I made a private investigation and it is a fraud. Bank of America NEVER conducted an analysis with VISA about my case. I would like to have my refund and if law allows me, a compensation for 4 full days dealing with the negligence and lack of interest of Bank of America.

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 2024-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Marlette Funding, LLC
State: NC

Complaint narrative:
Best egg calls continually throughout the day They are also calling my business number. I told them I am not allowed to receive these calls at work and gave them my personal information. They refuse to take my business number out of their system. I have emailed them directly, used the chat function and spoken to them on the telephone. During the chat function I was told my business number was deleted, yet I am still receiving calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: NC

Complaint narrative:
Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XXXX XXXX - XX/XX/2024 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX - XX/XX/2024 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

Incorrect Name - XXXX XXXX - 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 - Please delete this inaccurate info immediately. 

Incorrect Address - XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX - 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 - Please delete this inaccurate info immediately. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX - 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 - Please delete this inaccurate info immediately. 

XXXX - XX/XX/2024 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

Trans Union, XXXX, and XXXX have violated my rights. 

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 an 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 or 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 data 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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My score on Equifax as not showing on my report. please update my info and delete my inaccurate info on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HW Holding, Inc
State: SC

Complaint narrative:
I have asked this company for a " wet signature '', a validation letter, and a cease and desist of this negative information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: CA

Complaint narrative:
I disputed an address that's never been reported by me to anyone and Experian refuses to delete off my credit report. The address that's being reported inaccurately is XXXX XXXX XXXX, XXXX ca, XXXX My current address that is also on my current state driver 's license is XXXX XXXX XXXX XXXX # XXXX XXXX, CALIFORNIA 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 2024-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I just recently received a letter from California Business Bureau about the debt. ( a collection agency ) I went to the hospital for a dislocated shoulder. I was given a sling and a prescription for XXXX. The bill itself is over {$5600.00}. I was working part time and on a waiting list for health insurance at my job. I filled out an application for emergency medi-care. It wasnt until later that i saw it on my credit report that i was informed of the debt. I dont think i owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Unauthorized Activity on Bank of America prepaid Account During XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to report unauthorized and fraudulent activity on my Bank of America account during my XXXX from XX/XX/XXXX to XX/XX/XXXX. My account was compromised by unknown individuals who gained access to my account information, passwords, and personal details, subsequently using them to make fraudulent transactions without my knowledge or consent. 

I have submitted multiple documentations and evidence to Bank of America, including medical records and XXXX timeline snapshots which clearly show that I was XXXX  during the period when these transactions took place. Despite providing extensive proof of my inability to carry out these transactions due to my XXXX, the unauthorized activity on my claim is still being denied and reopened by managers who look over the claim and agree with my inability to make these purchases. 

The identity thieves responsible for this fraudulent activity not only accessed my Bank of America account, but also managed to open new accounts, obtain credit cards, book motel rooms, and even purchase a vehicle in my name without my authorization. This egregious breach of my personal information has caused significant distress and financial harm, and I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly. 

I am a victim of identity theft and financial fraud, and I seek your assistance in having bank of America look at the information I sent them showing my inability to make these purchases and re credit my account for these fraudulent purchases. The account was taken over and the passwords were set by them as well as any calls made to Bank of America during this time frame. The items they are using to substantiate thier claim was set up by the identity thieves and I had no knowledge of the activity taking place with my identity while I was XXXX 

Thank you for your attention to this matter. I await your prompt response and assistance in resolving this distressing situation. 

Sincerely, XXXXXXXX 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 2024-04-03 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
This company obtained my personal information through third party companies and sharing it on there platform for reasons unknown to me as you can see in the file I have know knowledge of the companies on the report and how they obtained my personal information I never give consent to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: TX

Complaint narrative:
I UNDERSTAND THAT FCRA 605B MANDATES THE REMOVAL OF ANY INCORRECT ACCOUNT FROM MY CREDIT REPORT. COULD YOU PLEASE REVIEW THE DOCUMENTS? SOME OF THE LISTED ACCOUNTS HAVE INACCURACIES, WHICH IS CAUSING ME DISCOMFORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
I asked for a validation information letter and was told over the phone that they do not own the debt and dont send out letters. As such.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2024-04-03 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: Chime Financial Inc
State: OH

Complaint narrative:
Chime denied my disputes to these fake sweepstake casinos from different countries and I returned all proper paperwork and has no gave me a reasoning for being denied with over XXXX  dollars stole from me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
TSI - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX On XX/XX/2024 added a derogatory mark on my credit profile per XXXX XXXX for {$2900.00}. After further research this account was transferred/ sold and I am no longer responsible. Also there was no written form of communication or signed contract for this debt. The company responded with a statement The attached is a statement. Not a signed agreement or legally binding contract. Please remove this item from my credit report until validation above is received. Company provided XXXX forms of validation 1. A move out statement 2. A legally binding lease. I have highlight XXXX section XXXX. The move out statement showing {$2900.00} owed upon move out. XXXX. The amount of security deposit retained for the XXXX XXXX XXXX which is {$2900.00}. XXXX. A section in the lease pointing to upon move out a move out statement will be provided and a deduction from the security deposit will be made to cover. Im requesting a running statement of all months of this lease from inception showing where my security deposit went. It should have been applied to the move out statement

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: NE

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX XXXX FIN XXXX, XXXX  XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 
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

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 2024-04-03 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: NE

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 
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

Company response to consumer: Closed with explanation