vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-24 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: AL

Complaint narrative:
There are several inaccuracies on my credit report as well some unverified, unauthorized, and fraudulent accounts on my 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 2024-03-24 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: AL

Complaint narrative:
There are several inaccuracies on my credit report as well some unverified, unauthorized, and fraudulent accounts on my 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 2024-03-24 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: DISCOVER BANK
State: NY

Complaint narrative:
I am unaware of this debt reporting as a charge-off on my credit report. I did not have the opportunity to dispute this debt before it was put on my credit report, which is illegal because they did not send me a proper notification. If you truly believe I was aware of this debt, please provide the certified mail return receipt with my signature, proving I received the notification. Or delete the account from my credit report immediately, as it is affecting my life a lot.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 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: CA

Complaint narrative:
I bought tattoo numbing cream online on XX/XX/XXXX and was sent counterfeit product claiming to be the real brand. I made a dispute with bank of america on the same date. I even sent them and linked them the website for the brand that was counterfeit and the REAL website too. They denied my claim because Bank of America couldnt get a reply from the merchant. Thats not my fault. I opened a claim AGAIN a month later. Denied for the same reason. 

I have called BOA multiple times since this for months now. Each time, I spend two hours on the phone, getting transferred to 5-7 different people until one hangs up on me and i have to start over. I have not been able to get this sorted. I have contacted the merchant multiple times as well. 

On XX/XX/XXXX the merchant sent me an email saying my order was refunded. I checked my account and it was not. I called bank of america again, got transferred around again, was told they cant make a new claim or reopen the old one. All my messages regarding this on bank of americas site have mysteriously vanished from my account. 

I have pictures AND links to prove what i was sent was counterfeit and they still wont reimburse me. I have attached pictures of the product I was sent. I have attached pictures of emails from the counterfit site with them writing down the wrong dates despite my inbox listing the correct one. I have attached pictures of my BOA inbox where the bank deleted all evidence and messages of my claims. I have even attached pictures of what the real brand looks like, what they actually have written, and what the fake one does. I attached the counterfeit site and the real one. The real one doesnt even sell the green cream online!!! Bank of America is disgusting.

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 2024-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Subject : Discrepancy in Credit Report Regarding CareCredit Billing I am writing to bring to your attention an ongoing issue regarding a charge on my credit report related to a CareCredit transaction. Despite the fact that this charge was covered by my insurance provider, it remains present on my credit report, which is causing me considerable concern and inconvenience. 

Efforts to address this matter have been made, including reaching out to the urgent care facility associated with the charge ( XXXX XXXX ). Upon contacting them, I was assured that the discrepancy would be promptly rectified. Subsequently, I received a call from the billing department of the urgent care facility, affirming that settling a {$35.00} co-payment would suffice to remove the erroneous {$1200.00} charge from my credit report. 

In good faith, I promptly settled the {$35.00} co-payment as instructed. However, to my dismay, the charge persists on my credit report despite the resolution supposedly being enacted. This persistence has left me perplexed and frustrated, as the reasons for its continuation remain unclear to me. 

I kindly request your immediate attention and assistance in resolving this matter comprehensively. It is imperative that the inaccurate charge be expeditiously removed from my credit report to ensure the integrity and accuracy of my financial records. 

Your prompt attention to this issue would be greatly appreciated. Please do not hesitate to contact me should you require any further information or clarification regarding this matter. 

Thank you for your understanding and cooperation in addressing this discrepancy.

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 2024-03-24 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. 
FCRA section 1681S-2 states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have2 resumed having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove this account from my report, they are hurting my ability to obtain credit.

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 2024-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, which is Synchrony Bank, whether implied or explicit. Please provide me with documentary evidence of the obligors indebtedness. Documentary evidence is not a copy of statements from the original creditor, I require original copies of the consumer contract with my signature in addition to all pertinent information as applicable under law. This company is in violation of several acts and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. I will not make any or future payments to XXXX XXXX XXXX under their threat, duress, and coercion, due to the undue influence of them placing this illegal and unlawful account on my consumer report. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused by XXXX, Synchrony Bank and XXXX XXXX XXXX. They shall be liable for violations of TILA, FCRA, FDCPA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. Additionally XXXX XXXX XXXX has previously attempted to take me to magistrate court in 2021 and the case was dismissed because of their failure to appear, also the statute of limitations on collections for the State of South Carolina and Kansas, where they are incorporated is 3yrs. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: Certegy Holdings, LLC
State: MN

Complaint narrative:
I am a victim of identity theft. The following inquiries and outstanding items currently listed and showing on my Certegy Consumer File Disclosure Report Tracking Number:XXXX, is fraudulent, unauthorized and is the result of identity theft : XX/XX/XXXX, Enrollment Target XXXX and XX/XX/XXXX, Check Payment, Check Number : XXXX, {$270.00}, Target. The inquiry and outstanding items is fraudulent, unauthorized and not my inquiry or outstanding item. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : 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 2024-03-24 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: GA

Complaint narrative:
I dont know who these company 's are that are doing these inquire on my credit XXXX XX/XX/23 XXXX XX/XX/23 XXXX XXXX XXXX XX/XX/23 XXXX XX/XX/23 XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX XXXX XX/XX/23 XXXX XXXX XX/XX/23 XXXX XX/XX/23 XXXX XXXX XXXX XXXX XX/XX/23

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 2024-03-24 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: GA

Complaint narrative:
I dont know who these company 's are that are doing these inquire on my 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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY

Complaint narrative:
Received request for debt payment from Columbia Debt Recovery ( dba ) Genesis Credit Management. Requested details on debt and no information provided. 

Columbia Debt Recovery has reported a debt in my name to credit agencies in the amount of {$5700.00}. 

Genesis Credit Management has reported a second debt in my name to credit agencies in the amount of {$5800.00}. 

I do not owe either of these companies any money and my credit score has dropped XXXX points since they have reported. No validation of the debt has been provided and they are attempting to collect a debt in a state in which they have no license ( New York ) to collect debt. I spoke with them yesterday to let them know the debt is not mine and to stop reporting it to credit agencies and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX CONTINUES TO IGNORE REQUEST TO INVESTIGATE DISPUTES RECIEVED BY MAIL. EQUIFAX RECEIVED A DISPUTE FROM ME ON XX/XX/24 VIA CERTIFIED MAIL # XXXX. ON XX/XX/24 EQUIFAX MAILS ME A RESPONSE CLAIMING THEIR WAS NOT IDENTIFICATION DOCUMENTS ATTACHED. THIS LETTER IS A PART OF EQUIFAX TACTICAL RESPONSE OF MAILING OUT STALL LETTERS FROM THERE DISPUTE SYSTEM TO KEEP FROM INITIATING RE-INVESTIGATIONS. THEY HAD NO PROBLEM MAILING ME THE REFUSAL AND STALL TACTIC LETTER TO THE ADDRESS THIS WAS LISTED ON MY IDENTIFICATION DOCUMENTS PROVING THAT THERE WHOLE NOTION TO NOT START A RE-INVESTIGATION IS A LIE. ATTACHED IS THE LETTER FROM EQUIFAX VIOLATING 15 USC 1681I ALSO ATTACHED IS THE ORIGINAL DISPUTE THAT THEY RECEIVED AND REFUSED TO REINVESTIGATE. EQUIFAX NOW HAS THE REMAINDER OF THE INITIAL 30 DAYS THEY ORIGINALLY SIGN FOR THE DISPUTE OR A LAWSUIT WILL FOLLOW AND I WILL BE SUING FOR ACTUAL DAMAGES SUSTAINNED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, XXXX, and Experian ignored my opt notice on XX/XX/XXXX. XXXX, XXXX, and Experian have refused to remove unauthorized inquiries, collections, and late payments from my credit report. All credit/consumer reports are to be uniform and accurate in reporting. My consumer reports for XXXX, XXXX, and Experian are neither. 

The Privacy Act of 1974, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. 

15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; LATE PAYMENTS and CREDIT UTILIZATION AMOUNTS AND PERCENTAGES, AND BANKRUPTCIES are all, in fact, transactions and experiences between the consumer and the person making the report as explained in the US Code provided above, and are, therefore are being inaccurately and unlawfully reported within my consumer report. 

This complaint is also a notice of arbitration. I am only submitting this complaint as the arbitration instructions state I must resolve my issue before moving forward with arbitration. I've attempted to resolve these issues on multiple occasions. Im ready, willing, and fully prepared to move forward with the arbitration process against XXXX, XXXX, and Experian. 

I've uploaded all relevant documents.

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 2024-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My account with venmo has been locked for 3 months I received a email saying on XX/XX/XXXXXX/XX/XXXX it will be unlocked I will be able to withdraw my remaining funds .since these funds have been locked away from me so that I can't access them I haven't been able to pay bills like rent medical bills and utilities... .XX/XX/XXXX passed and they still have yet to unlock my account like they were supposed to .since then they haven't responded to any of my emails or gave me any updates I will like for my funds to be released immediately please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently received a copy of my Experian consumer report, and I noticed some late payments posted on my report : XXXX XXXX XXXX , Account Number : XXXX This company is in clear violation of the law. Under 15 USC 1681b permissible purpose of the consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to who it relates. 

I did not give XXXX XXXX XXXX written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( j ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2024-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: Transform Credit Inc.
State: CA

Complaint narrative:
I went to transform credit to see about a loan, putting my information upon doing so was told I need to cosigner, so I never continued any further with the loan or process come to find out they company opened a so-called credit builder in my account and has been debiting my bank account and upon contacting the company requesting them to show me proof of this so-called account they have not done I try to login into their so-called XXXX XXXX portal. It says theres no information or records of me at all and try to call the company cant get a hold of any live person and I want my credit report cleared of this and the money that they have stolen from me given back and I want them to be held accountable for their fraudulent and deceiving practices

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS BANK SAID THAT THE AGREEMENT THEY HAD WITH ME CAN HAVE {$1200.00} OVERDRAFT..CHANGED THEIR MIND.. '' WE ARE A PRIVATE BANK NO ONE HAS CONTROL OF US BUT US AND NOT EVEN THE FEDERAL GOVT CAN CONTROL US ... THIS PERSON IS IN CHARGE OF ALL ACCOUNTS SORRY SHE SAID, BUT WE DON'T CARE IF YOU ARE A XXXX VETERAN, BEEN WITH US SINCE XXXX ITS OVER FROM NOW ON WE WILL NOT HELP PAY YOUR BILLS ON TIME YOUR ON YOUR OWN..MY CREDIT IS SHOT WENT FROM XXXX TO XXXX IN LESS THAN A FEW MONTHS. THE OVERDRAFT WAS PAYING ALL MY EXTRA BILLS ON TIME... NOW CANT GET A CAR/TRUCK/ HOME MY REPUTATION OF PAYING ON TIME WENT AWAY ... NO VEHICLE NOW NOT MUCH OF A HOME 4 CREDIT CARDS OVER XXXX XXXX  IS UNPAID... THIS ALL HAPPENED XXXX XXXX I AM A XXXXXXXX XXXX XXXX  VETERAN TREATED LIKE A HOMELESS MAN OR STRANGER.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was unable to access my account online. I spent between XXXXXXXX XXXX and XXXXXXXX XXXX XXXXXXXX on XX/XX/year> speaking to associates of Capital One about me not being able to access my account online.I still am unable to access my account. 
I told them that this is the worst treatment I have ever encountered with a credit card company in getting access to a credit card account. 
The company is Capital One. 
The credit card is Capital One Venture Master Card. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have been attempting to resolve with no avail for several months now please help me remove this inacurate and unverified information from my 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