vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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/2024 i ordered the XXXX XXXX  from XXXX because their advertising 50 % off from their website. I paid {$240.00} with my credit card from Bank of America. After i checked the XXXX website more and figured they dont have the email address, location and the phone number on their website not available. I tried to contact from their chat or their FB no one answered or replied. I did dispute immediately eith BOFA after i discovered they may not be legitimate. I did not receive any product from them. They sent me a tracking number that showed it was delivered to a different address and the tracking information showed that the package weighed 1lbs ( XXXX XXXX is supposed to be at least 15lbs ) not 1 lbs. After one month my bank they said they can not approve the dispute because I didnt have enough information that showed I paid the merchant using another method, such as cash, check, or debit. But i paid with my credit card from their company. I have all receipt and emails that show I bought it and ive never filed any claim before. I actually got scammed and i really want to get my money back.

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 2024-11-27 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: TN

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and I am requesting that all accounts and inquiries listed below be blocked and deleted from my credit report, in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
The affected accounts are as follows : Bankruptcies : XXXX. Chapter XXXX Bankruptcy Case Number : XXXX Filing Date : XX/XX/XXXX Balance : {$0.00} XXXX. Chapter XXXX Bankruptcy Case Number : XXXX Filing Date : XX/XX/XXXX Balance : {$0.00} XXXX. Chapter XXXX Bankruptcy Case Number : XXXX Filing Date : XX/XX/XXXX Balance : {$0.00} Credit Accounts : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: TN

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and I am requesting that all accounts and inquiries listed below be blocked and deleted from my credit report, in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
The affected accounts are as follows : Bankruptcies : XXXX. Chapter XXXX Bankruptcy Case Number : XXXX Filing Date : XX/XX/XXXX Balance : {$0.00} XXXX. Chapter XXXX Bankruptcy Case Number : XXXX Filing Date : XX/XX/XXXX Balance : {$0.00} XXXX. Chapter XXXX Bankruptcy Case Number : XXXX Filing Date : XX/XX/XXXX Balance : {$0.00} Credit Accounts : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. SXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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:
I was shocked to discover that my credit report has been accessed without my consent. Applications were submitted in my name, and several companies pulled my credit without my authorization. I do not recognize these fraudulent inquiries, nor did I apply for or consent to them in any way. This situation is both alarming and a clear violation of my rights as a consumer. As a law-abiding citizen, its deeply insulting to experience such a breach of privacy and misuse of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: PA

Complaint narrative:
I wasn't quite sure which answers to choose on your questionnaire. Last year in XXXX I signed up for a program that would let me make payments to pay off my debt. At that time the economic increases just began. I was told my payments will go in an escrow account until they finalized a negotiation about the amount of my credit cards. I really wanted to try to pay them back but due to all the increases I need to file bankruptcy. I obtained a lawyer for my bankruptcy and he sent a letter to them to return my money that is in escrow. The letter was sent back as wrong address. I have called twice now to have them stop pulling my payments and to cancel the program. I also inquired both times about my money. They stated I would get it in 21 business days. When I called XX/XX/XXXX, the rep provided a agreement over the phone for my cancellation. On my second call on XX/XX/XXXX, I asked her when will I receive my money. She again stated in 21 business days. I asked from what date because I called on XX/XX/XXXX and went through the recording agreement. She stated from the XX/XX/XXXX call. I was very upset that they took another payment out of my account when I cancelled it on XX/XX/XXXX. She stated I will get that back. I had to use my savings money to cover what they took out. I am XXXX so I only have a XXXX check once a month. I can not afford for them to be taking my money. What upset me again was I was searching for their address for my lawyer and noticed on yelp there were reviews from other people about the very same thing I am going through! It seems they are doing this to other clients. Please Help.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: DE

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.

15 u.s.c 1681 section 602 a the right to privacy act united states 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 instruction 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency my 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 usc 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 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 promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer 15 usc 1681s 2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate 15 usc 6802 ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: DE

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.

15 u.s.c 1681 section 602 a the right to privacy act united states 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 instruction 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency my 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 usc 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 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 promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer 15 usc 1681s 2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate 15 usc 6802 ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option

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 2024-11-27 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: NY

Complaint narrative:
I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX - XXXX XXXX  XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals.

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 2024-11-27 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: FL

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries with XXXX and Experian To whom it may concern, I am submitting a complaint regarding three unauthorized credit inquiries on my credit report. Despite disputing these inquiries directly with the credit bureaus and the entities involved, they have not been removed. 

Below are the details of the inquiries : XXXX : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX Experian : XXXX. XXXX XX/XX/XXXX I did not authorize these companies to access my credit report, and under the Fair Credit Reporting Act ( FCRA ), these inquiries lack a permissible purpose. Therefore, I request that they be removed. 

To further support my case, I have recently filed a report with the Federal Trade Commission ( FTC ), reference number ( XXXX ), which is attached for your review. 

I kindly request that the Consumer Financial Protection Bureau investigate this issue, ensure compliance with the FCRA, and assist in having these inquiries removed from my credit report. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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:
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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Good day, I am deeply concerned about the unauthorized information being reported on my credit file. I never gave permission for this data to be included, and its presence is a clear violation of my right to privacy. Its disheartening and insulting to see this false information negatively affecting my credit score and tarnishing my reputation. Due to your negligence, Ive faced multiple denials on new credit applications, which is causing unnecessary stress and impacting my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/scrub>XX/XX/2024 Subject : Complaint Regarding Inaccurate Late Payment Reporting on XXXX Account Dear CFPB, I am submitting this formal complaint regarding inaccurate late payments reported on my credit file maintained by XXXX XXXX, and Equifax for the XXXX account. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint Inaccurate Reporting : The late payment for XX/XX/2024 reported by XXXX is inaccurate. I have consistently made payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The reporting of these late payments misrepresents my creditworthiness and violates my rights under 15 USC 1681s-2 ( a ), which mandates accurate reporting by furnishers of credit information. 
Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The false reporting of late payments may also violate the FDCPA, which prohibits misrepresentation of account status. 
Truth in Lending Act ( TILA ) : The inaccuracies in my credit file appear to be in violation of TILA, which mandates accurate credit information reporting. 
Furthermore, the FCRA ( 15 USC 1681i and 1681s-2 ) requires credit reporting agencies and furnishers of information to correct inaccuracies promptly. Under FCRA sections 616 and 617 ( 15 USC 1681n and 1681o ), noncompliance subjects parties to civil liability for damages, including attorneys fees and punitive damages. 
Evidence of the Error The attached credit reports from XXXX, XXXX, and Equifax demonstrate conflicting and inaccurate reporting for the XXXX account : Equifax : Reports a 30-day late payment for XX/XX/2024, which is incorrect and unsupported by any payment records. 
XXXX and XXXX : While these bureaus do not list a 30-day late payment explicitly, their payment status fields incorrectly indicate " 30 days late, '' which is inconsistent with my actual payment history. 
These discrepancies across all three credit bureaus misrepresent my account status and payment reliability. As I am enrolled in autopay for this account and have consistently made timely payments, these errors are unfounded and detrimental to my creditworthiness. 
Requested Resolution I request that the CFPB investigate this matter and instruct XXXX, XXXX, and Equifax to remove the inaccurate late payments from my credit report. I ask that my credit report be updated to reflect my accurate payment history of XXXX XXXX on-time payments. 

Please confirm the resolution of this matter in writing within 30 days. If the issue is not addressed, I may pursue further action to protect my rights as a consumer. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Billing mistakes on my credit report show late payments that aren't accurate. Please update the report.

Company response to consumer: Closed with explanation