vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-18 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: FL

Complaint narrative:
I checked my credit reports and saw inquiries that I did not authorize or make. Please not that there are extended fraud alerts on my report. But somehow these inquiries are on my report and there's no account in connection with these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This is your pal XXXX XXXX XXXX XXXX writing in the midst of a full-blown XXXX XXXX. I was violated by another identity theft just within the past couple days, and this is VERY quickly looking like the illegal attack came from within XXXX of my other creditors : XXXX XXXX XXXX XXXX XXXX. Now the case has been moved up to the FDIC, as per CFPBs advice when I called them on Friday XX/XX/16. Im waiting to hear back from the FDIC and the FBI IC3 system. XXXX XXXX XXXXXXXX is doing everything in their power to avoid and refuse to answer any of my questions, so here I am desperately reaching out to my other creditors to see if anyone can give me any clues about who is doing this, and why. Im currently sending copies of this report and attachments to XXXX XXXX, XXXX XXXX, and Synchrony Bank. In regards to XXXX XXXX XXXX theyve made themselves completely unapproachable through their earlier actions, and theres nothing they can possibly say ( given the current track record ) that isnt going to further aggravate me. And let me assure you, XXXX not failing to notice that this XXXX XXXX bank is acting EERILY similar to way XXXX has been acting over the past few months.

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 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
equifax 's website has been broken for years. I've been trying to freeze my credit with them after this latest data breach and even after trying multiple different web browsers multiple times over the course of multiple days I only get a generic error message every time I try to log in. this same thing happened years ago after another data breach and I just gave up back then and it's insane that this has not been fixed yet. their automated phone system also rejects me, saying that my information can't be verified. I've also wasted a significant portion of my day on hold, with no estimated wait time, trying to get in touch with a live agent with no success. They are straight up not allowing me to freeze my credit with no explanation as to why. There should be legal penalties for this. I just want to prevent my identity from being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: AR

Complaint narrative:
XXXX XXXX XXXX Account Number - XXXX I hereby dispute that validity of the alleged debt listed above Entirely. I also request verification of the alleged debt, Specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, Equifax, XXXX and XXXX. You must Cease collection efforts until this debt is validated. You must show proof that you Legally own this Alleged debt and that it is accurate and Complete. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 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: VA

Complaint narrative:
The accounts are counterfeit there is no lawful binding contract between me and either person in this report. Any contract that bears my signature was not signed with my own hands. No person can verify that I signed a credit agreement with them giving permission to use my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I recently took out a HELOC loan to consolidate my credit card accounts of which there is still XXXX that I am having difficulty in getting settled. 
On XX/XX/year> my banks loan department sent a check to Bank of America which was processed XXXX.Enclosed is a copy of cancelled check. In a phone conversation with Bank of America customer service the representative could not provide any answers why my account had not been satisfied. Bank of America also sent a letter requesting more information, along with a case number that they generated ( XXXX ). As requested, I sent them a copy of the cancelled check. I have tried to no avail to get viable results from phone support on this matter. I have also sent a complaint to my states Attorney Generals office of consumer protection. Bank of America shows my account as past due and is steadily applying recurring fees of interest and late fees.

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 2024-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Summary : I believe the advertised offer terms on the website did not represent the terms the company actually booked me under. I suspect that the company had recently changed its policy but had not yet updated its marketing to reflect that ( since the marketing was updated to XXXX points several days later ), effectively falsely advertising what its offer was to me and other consumers. 

Details : I applied for a Wyndham Rewards XXXX card ( which operates through Barclays US ) due to an advertisement on its website that stipulated that {$2000.00} of spend within a certain timeframe would be rewarded with XXXX points. I met the terms of this offer but was only automatically rewarded XXXX points. The first time I called the company about this ( on XX/XX/2024 ), they noted their error and said I'd get the remaining XXXX points in the next XXXX business days. When I called again on XX/XX/2024 noting the additional points had not been given, the company said they had no record of the XX/XX/2024 resolution and said my contract only stipulated XXXX points, not XXXX, so I would not be given any additional points. I've asked the company to do an investigation ( which they are conducting ), but XXXX ) it was indicated that it's highly likely I will not be given the XXXX remaining points and XXXX ) the company will not finish the investigation for XXXX billing cycles ( months ).

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 2024-08-18 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: NJ

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2024-08-18 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: NJ

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-08-18 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: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting act.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681 XXXX  XXXXXXXX XXXX Account # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX 's 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 XXXXXXXX # XXXX 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 Accounts # XXXX, # XXXX, # XXXX, # XXXX & # XXXX XXXX XXXX XXXX XXXX Accounts # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX  XXXX  # XXXXXXXX XXXX XXXX XXXXXXXX # XXXX, # XXXX, & # XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE LIST ABOVE ACCOUNTS 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 602 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. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C.1681Section

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 2024-08-18 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: NV

Complaint narrative:
i was charged by a merchant and i wasn't provided with any services they defrauded me and submitted fraudulent paperwork to BOFA and BOFA took their side and rebilled my account. If my account isn't credited i will be filing a civil lawsuit against BOFA.

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 2024-08-18 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: NY

Complaint narrative:
I have asked the company on several occasions to provide me with documentation of ownership for XXXX XXXX XXXX debt. I have no knowledge of this debt or have I ever signed any contract or agreement with this company. 

I have not received any information in regards to the several inquires I have submitted.

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 2024-08-18 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: FL

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries on my credit report. These inquiries were made without my permission and appear to have been fraudulently initiated by various companies. 

I have spent numerous hours contacting the credit bureaus since 2023 to dispute several hard inquiries on my credit report, explaining that these inquiries were made fraudulently. Unfortunately, I have not received any resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX on XX/XX/year> my account was late due to oversight and was paid off and it's still on my report. They said it would be removed and it was not I called and paid the account off and don't owe them anything.

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 2024-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
We booked a XXXX flight through Amex XX/XX/XXXX. 
We decided to cancel the XXXX flight on XX/XX/XXXX, and we were told we received a refund. 
We purchased a XXXX XXXX flight instead through Amex on XX/XX/XXXX. 

On XX/XX/XXXX, I received XXXX separate emails from Amex indicating that both our XXXX XXXX flights and our XXXX flights were still active. Although we thought we had previously canceled the XXXX flight, the email indicated the XXXX flight was still active. 

I immediately called the Amex travel agency and the travel agent told me that indeed, both flights were still active, the XXXX flights had not been cancelled. She told me I needed to cancel either the XXXX or the XXXX, and that I would get credit if I cancelled the XXXX  flights. So I told her to go ahead and cancel the XXXX flights. 

I then went back into the system, and was shocked to see that both flights were gone! We no longer had XXXX or XXXX flights booked for our XX/XX/XXXX travel! 

I called the Amex travel agency back to alert them of the situation. They confirmed that we no longer had any flights. They were not sure what had happened. The agent told me that even though she had cancelled them only XXXX minutes prior, there was no way for her to get the flights back and that I needed to rebook the flights, which were now a total of {$13000.00} instead of the original {$6600.00}. I was told I needed to authorize purchase of them immediately before the price went even higher, and then could request a refund for the difference. 

When I tried to collect the refund for the difference, I was put into endless circles. The Amex agent told me they could not give me a refund, because the tickets were purchased with XXXX. I filed a formal complaint, as was issued ticket XXXX XXXX. 

On XX/XX/XXXX, I spoke with XXXX on the compliance regulatory team, and XXXX was unable to help me obtain the refund of the ticket price difference. I spoke with XXXX and XXXX on XX/XX/XXXX, and they were unable to refund the ticket price difference. I finally was put into communication with a supervisor named XXXX, and waited for his return call for XXXX weeks. I spoke with XXXX on XX/XX/XXXX, and he also told me he could not issue a refund for the price difference. 

I have since been trying to escalate the matter with Amex authorities with no success. 

Amex travel acknowledges that they provided false information contained in documented emails indicating that I had XXXX active flights, and that the Amex agent provided me false information verbally over the phone, telling me that I NEEDED to cancel XXXX of the airlines tickets. This either represents XXXX ) gross negligence and incompetent systems & training or XXXX ) fraudulent behavior by Amex with respect to getting higher kickbacks from the airline company for more expensive tickets.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my 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 non-monetary relief
Consumer complaint received 2024-08-18 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: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Ive sent creditor multiple letters, trying to get my agreement from start date with my signature stating that its my account and I get nothing in return

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: CO

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : 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 XXXXXXXX has violated my rights. 

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

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-08-18 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: NJ

Complaint narrative:
I would love for these inquiries to be deleted from my credit report because I did not authorized these companies to run my credit I am a victim of identity theft. 


XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation