vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Complete Care, Inc.
State: TX

Complaint narrative:
To whom may concern Hi I received today and letter email from a collector saying that I owe to Mayfair, and I already told them that I don't owe anything.

I paid every cent. Now they trying to charge withe amount of {$870.00}. I don't owe that money. Here is the proof that the amigos is cero balance. I will you attached documents. I return the furniture. The quality is bad from XXXX furniture actually the owe me money to sell me bad quality furniture. Froude merchandise.

Company response to consumer: Untimely response
Consumer complaint received 2024-10-15 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: CA

Complaint narrative:
I have recently discovered inaccurate information on my report, which I believe is not associated with me. This situation has caused me significant concern about the security of my personal information

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently tried to receive my credit reports from annual credit reports.com and on multiple occasions i was denied by Trans Union and XXXX. I tried again XXXX and i continue to be denied access to my credit reports.

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 2024-10-15 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: IN

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2024-10-15 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Subject : Complaint Against Experian for Inaccurate Reporting Dear Sir/Madam, I am writing to formally file a complaint against Experian regarding inaccurate reporting on my consumer report, in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681i ( 7 ). 

On XX/XX/year>, I spoke with XXXX XXXX XXXX ( XXXX  ), which confirmed that my account was never reported as a charge-off ; rather, it has been reported as current. This information contradicts the negative reporting I have observed on my Experian consumer report. The account has been inaccurately reported for over one year, causing me undue stress and potential harm to my credit standing. 

According to the FCRA, consumer reporting agencies are required to conduct a thorough investigation before placing any negative information on a consumer report. Additionally, they must provide a description of the reinvestigation procedure within 15 days of receiving a request. I believe Experian has failed to uphold these regulations. Also on the Experian app report, it's different from the report I pulled from Annual Credit Report. 

I am attaching a copy of the transcript from my conversation with ACA for your review. This document should serve as evidence of the inaccurate reporting and the violation of my rights under the FCRA. 

I respectfully request that this account be removed from my consumer report to rectify this situation. Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely,

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 2024-10-15 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: TX

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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:
Subject : Updated Complaint Regarding the Non-Resolution of My Claim ( Reference : XXXX ) Dear Sir/Madam, I am writing to submit an updated complaint following my initial claim, referenced XXXX. Despite my ongoing efforts to resolve this matter, there has been no significant progress, and my issue remains unresolved after more than 90 days. 

To reiterate, on XX/XX/year>, I filed a claim with Bank of America ( Claim ID : XXXX ) for {$2100.00} related to goods I never received. Since filing, I have experienced an extremely frustrating and inadequate response from your institution. 

Initially, I was assured that I would receive a temporary credit for the disputed amount. This never happened. Later, I was informed that my claim would be processed within 45 days. After that, the timeframe was extended to 90 days with no clear explanation. Now, I am being told that XXXX is handling the claim, which has further delayed any resolution. 

I want to emphasize that this situation is unacceptable and violates several legal obligations, including those set forth by the Fair Credit Billing Act ( FCBA ). Under this law, banks are required to resolve disputes within a maximum of 90 days. This deadline has now passed with no resolution. Furthermore, under Regulation E, Bank of America was required to provide me with a temporary credit within 10 business days of being notified of the claim. Even if an extension was necessary, I should have been clearly and promptly informed of the status of my claim, which has not been the case.

Additionally, I must remind you that Bank of America is also subject to the XXXX  Deceptive and Unfair Trade Practices Act ( FDUTPA ), which protects consumers from unfair and deceptive business practices. The lack of transparency, contradictory information, and inability to resolve my issue within a reasonable timeframe constitutes serious violations of this law. 

I am therefore once again requesting that Bank of America fulfills its legal obligations under the Fair Credit Billing Act by immediately issuing the refund of {$2100.00}. The prolonged delay and lack of resolution after more than 90 days is a clear violation of my consumer rights. 

If this matter is not resolved immediately, I will have no choice but to pursue all available legal avenues to enforce my rights and seek justice. 

I appreciate your prompt attention to this issue and expect an immediate response, including a precise timeline for resolving my claim. 

Sincerely, 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 monetary relief
Consumer complaint received 2024-10-15 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: CA

Complaint narrative:
There are unauthorized hard inquires from XXXX. XXXX, XXXXXXXX XXXX and XXXX XXXX. I did not apply for these credit cards, and called XXXX on XX/XX/XXXX to file a dispute, but they ignored my complaint and the hard inquiries remain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I noticed mistakes on my credit report concerning 15 USC 16c-2. The listed inquiries were not approved by me, and this incorrect data is damaging my credit. Please remove all hard inquiries that were not authorized. 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 explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have checked my credit report and noticed several inaccuracies regarding late payments. These do not align with my usual payment habits. Kindly correct these errors and adjust my account information. Thanks.

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 2024-10-15 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: PA

Complaint narrative:
XXXX XXXX is reporting inaccurate information on my Transunion credit report. I was neither informed of their intention to report this account, nor did I consent to it being included in my credit history. 

This account was added without following proper procedure, as I was not given any notice or opportunity to resolve the issue before it was reported. I believe this is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that consumers be notified when adverse information is being added to their credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: Experian Information Solutions Inc.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-10-15 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: WI

Complaint narrative:
XXXX has place 3 collection accounts on my report without my permission. The accounts in question from XXXX XXXX XXXX have not been verified. I have not received any information from XXXX XXXX that I have requested to verify the loan. They only sent me their statement. Once I received the statement, I told them that they did not verify the account as I asked for the following. 
1 ) The name and address of the original creditor.

2 ) The amount of the alleged debt.

3 ) An itemized statement of the alleged debt.

4 ) Purchase agreement of the debt.

5 ) Insurance Claim of the debt.

6 ) The XXXX with the original creditor. 
7 ) Proof that you are authorized to collect this debt on behalf of the current creditor.

8 ) Verification that this debt is within the statute of limitations.

I have not received anything after 4 months as they can't provide any information. They then placed the records on my credit report which have not been verified and show a past due amount, the date is wrong and the account shows open, which is a violation of my rights.

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 2024-10-15 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: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
XXXX has place 3 collection accounts on my report without my permission. The accounts in question from Midland Credit Management have not been verified. I have not received any information from Midland Credit that I have requested to verify the loan. They only sent me their statement. Once I received the statement, I told them that they did not verify the account as I asked for the following. 
1 ) The name and address of the original creditor.

2 ) The amount of the alleged debt.

3 ) An itemized statement of the alleged debt.

4 ) Purchase agreement of the debt.

5 ) Insurance Claim of the debt.

6 ) The CMI with the original creditor.

7 ) Proof that you are authorized to collect this debt on behalf of the current creditor.

8 ) Verification that this debt is within the statute of limitations.

I have not received anything after 4 months as they can't provide any information. They then placed the records on my credit report which have not been verified and show a past due amount, the date is wrong and the account shows open, which is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
HEY YOU GUYS SAY A CHECK WAS SENT TO ME. DO YOU REMEMBER WHAT ADRESS WAS LISTED ON THE CHECK AND WHO CASH THE CHECK? I NEVER RECEIVED THE CHECK. THATS WHY IM REPORTING THE BANKK BECAUSE I NEVER GOT MY CHECK. ITS ALMOST TWO YEARS LATER. I THINK SOMEONE ELSE GOT THAT CHECK AND CASH IT. DO YOU HAVE ANY PROOF ON WHO CASH THE CHECK?

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 2024-10-15 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: TomoCredit Inc.
State: CA

Complaint narrative:
I had a balance of {$56.00} on my tomo credit card. They send me an email last year to resolve it by setting up automatic payments so I set the payments up through my XXXX XXXX account and they take {$25.00} out every Monday and the balance has been paid off since then and they continue to debit my account. I have contacted XXXX to change my XXXX XXXX number, but they are not able to do that. Ive contacted tomocredit Multiple times they do not have a direct line and Ive emailed the email that they have listed and they have not emailed me back. Ive sent them photos of the charges. Theyve overcharged me a few hundred dollars now when my balance was only {$56.00}. Im not sure what to do at this point. Ive tried to contact them multiple times. Ive reported them to the XXXX XXXX XXXX and now I am reporting here to hopefully get some help with closing the account and getting a refund for the overcharge that they have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: SC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts 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 2024-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I've carefully reviewed my latest credit report and found several accounts that appear to be incorrect and were added without my authorization. I request that these fraudulent accounts be blocked and removed 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 explanation
Consumer complaint received 2024-10-15 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: IL

Complaint narrative:
I always make my payments on time. Im certain of that. What confuses me is why this company is showing me as late on some months. According to USC 1666b, any billing mistakes should be fixed, and my account should be marked as paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have been sending letters to the credit bureaus and the creditors for the last 7 months about these debts that was owed. I started sending the dispute letters in XXXX of XXXX. I have not gotten any letters or original contracts with my signatures. These debts has been open by someone else other than myself. I believe that I have been a victim of identity theft. I also tried disputing the debt because there were information on my credit report that has inaccurate last date active and dates that were not consistent with each credit bureau. I also found that the accounts had some accounts showing open and in collection at the same time. I need these items removed from my credit report. The do not belong to me and are negatively impacting my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I recently discovered that my personal information has been used without my authorization. This unauthorized use has resulted in fraudulent activities, including the opening of accounts and transactions that i did not initiate. I am concerned about the potential impact on my financial standing and personal security.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: FL

Complaint narrative:
I am writing to disputed account on my credit report that were madewithout my consent. According to section 604 of fair credit credit reporting to section ( 15 U.S.C 168 1B ), There are specpecific permissible purposes for obtaining a credit. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. PLEASE DELETE ACCOUNT 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 non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
On XX/XX/scrub>XXXX XXXX based on our review of activity with your accounts, we made the difficult decision to end our banking relationship with you. 
We sent you check XXXX in the amount of {$7400.00} via XXXX XXXX. The tracking number is XXXX. 


I CAN CONFIRM I DID NOT RECEIVE THIS CHECK. I HAVE BEEN LOOKING FOR THIS CHECK WHEN I TRACK IT. IT DONT SAY XXXX IL. CAN YOU LOCATED THE CHECK PLEASE? SOMEONE HAD TO CASH IT. I NEVER GOT IT

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