vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was subletting my house for summer so I posted it on XXXX and then a scammer texted me to take the house then afterwards their FB account was closed and they texted me as I had given them my phone number. So they text message me to secure a place at my house and then they emailed me a check of {$2500.00} and I replied them I can not upload it as it was above my daily limit so they sent me another check of {$1900.00} and asked me to deposit it. Then they asked me to send the extra money back and hence I XXXX  them {$510.00} dollars at a XXXX account named XXXX XXXX and his email was XXXX on XXXX XXXX, 2024 and asked me for a screenshot. I did the same and sent the money then afterwards when I realised it was a scam I told my bank about the check they checked and told me it was fake check. But now they have closed my bank account and they will send me my funds back but I can not open another account with them. What can I do now as I am an international XXXX in USA. Please help me get my funds back and help resolve the issue with Bank of America. 
Also I have some emails to share about the spammer- XXXX and email I got check from was - XXXX. 
Tha spammer phone number is - 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 2024-04-12 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: MD

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 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 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: NV

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Resurgent Capital Services has been attempting to collect {$1500.00} from me. In XXXX or XX/XX/2024, I submitted a written request for verification of the debt. On XX/XX/2024, I received a reply from Resurgent that included an " account summary which provides verification of debt. '' The account summary they provided is a credit card statement from my original creditor ( XXXX XXXX XXXX  ) that only has a balance of {$69.00}. This erroneous debt has been on my credit report for an extended period and has potentially affected my ability to secure credit, such as an auto loan, or secure rental housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: FL

Complaint narrative:
I WANT THIS ACCOUNT TO BE DELETED IN 5 BUSINESS DAYS, THIS XXXX XXXX WITH THE ACCOUNT NUMBER XXXX AND BALANCE OF {$0.00}, XXXX XXXXXXXX Account Number : XXXX IS NOT MINEI PLEASE BLOCKED AND REMOVE IT FROM MY CREDIT REPORT- IT'S VIOLATING MY CONSUMER RIGHTS UNDER

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've consistently made punctual payments on this account, avoiding any instances of overdue status. The reports of tardy payments on my accounts perplex me ; I'm uncertain about their origins. According to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Good Afternoon, Once again, I am reaching out for assistance with late fees erroneously applied this account. The due date on this account was the XXXX of each month. I use my online bill pay through XXXXXXXX XXXX and as you can see the payment is sent out well in advance of the due date to Ally Bank. One Ally Bank representative even told me that they have a 3-day Grace period before applying a late payment charge. Ally Bank claims the Postal Service in their area is subpar and therefore the payments dont arrive when they should, however they are refusing to update the timeframe with XXXXXXXX XXXX to allow for the extra time through the online bill payment option or work with XXXXXXXX XXXX to have an ACH option that would allow payments to arrive withi

n 1 business day. As you can see below and from the attached Proofs of Payments fro
m XXXXXXXX XXXX The XXXX payment should not have been charged a late payment fee as it was received by Ally Bank on XX/XX/XXXX, the due date was XXXX, meaning it was received 2 days before the payment was due. 
Date Payment was sent Date Payment was Received Date Payment was Deposited Date of Late Payment Charge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attempted to reach out to Ally Bank several times in order to have the late payments waived. 
XX/XX/XXXX at XXXX CST - Called Ally Bank 's customer Service and asked to be transferred to a supervisor. The hold time was over an hour and I had a previous engagement that I had to attend and could not wait that long. 
XX/XX/XXXX at XXXX CST - Called Ally Bank 's Customer Service XXXX XXXX, spoke with a Customer Service Representative but the call dropped as the representative was reviewing my account after 35 minutes on the phone. However, I was told that Ally Bank has a three ( 3 ) day grace period on payments before a late payment is charged during this call. 
XX/XX/XXXX at XXXX CST - Called Ally Bank and spent 14 minutes reverifying my account and then requested a call back from a supervisor/manager. 
XX/XX/XXXX at XXXX CST - Spoke with a manager that was very rude and condescending regarding my account. She accused me of trying to tell her how to do her job which was not the case at all. I made the last payment on my account of {$110.00} and ask that she waive the late fees. She told me that she could only request one be waived. 
Once all three of these late fees are waived, this will conclude my business with Ally Bank now and forever more. 
Thank you for your time. 

Sincerely, 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 2024-04-12 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:
I began to check my report for errors and found accounts that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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:
I began to check my report for errors and found accounts that I do not recognize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
At XXXX on XXXX, 5 guys approached my friend and I and took my XXXX. One was able to open my Chase Mobile Banking app using my XXXX XXXX  while the other 4 were able to distract my friend and I. Once into my Chase app, he then XXXX  himself {$2000.00} and deleted my Chase app. Once I got my phone back, I redownloaded the Chase app and locked my card and attempted to file a fraud claim, which the department was closed. In the morning ( XXXX on XXXX ), I was able to call and file the claim with Chase . The night of the incident, I was able to file a claim with XXXX, as well as a police report. XXXX stated that since it was made through the Chase app, they could not help, and Chase said that since it was from my phone, it was authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
XXXX told me that they had never heard of XXXX XXXX XXXX. That is my credit card company. Consequently, none of the Credit Reporting Agencies is giving me credit for having made those payments, resulting in my Credit Number being so low that I can not rent an apartment. Do you understand?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
XXXX told me that they had never heard of XXXX XXXX XXXX. That is my credit card company. Consequently, none of the Credit Reporting Agencies is giving me credit for having made those payments, resulting in my Credit Number being so low that I can not rent an apartment. Do you understand?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Experian told me that they had never heard of XXXX XXXX XXXX. That is my credit card company. Consequently, none of the Credit Reporting Agencies is giving me credit for having made those payments, resulting in my Credit Number being so low that I can not rent an apartment. Do you understand?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Consistently, I've guaranteed punctual payments for this account, preventing any lapse in time. The causes behind mentions of tardy payments on my accounts remain uncertain to me. As per 15 USC 1666b - Billing Error, rectification should occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NY

Complaint narrative:
I've always made sure payments for this account are made promptly, never allowing them to fall behind schedule. The reasons behind reports of tardy payments on my accounts are unclear to me. In accordance with 15 USC 1666b - Billing Error, corrections ought to be made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: PA

Complaint narrative:
In accordance with the Metro 2 reporting standard, I am writing to formally inform you of the need for ensuring that any claims are reported in a factual and accurate manner. I'd like to request that you provide me with tangible, verifiable evidence demonstrating the existence of this account and its legality. If I am not provided with this evidence, I shall insist that the account be removed from my credit file. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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:
In accordance with the Metro 2 reporting standard, I am writing to formally inform you of the need for ensuring that any claims are reported in a factual and accurate manner. I'd like to request that you provide me with tangible, verifiable evidence demonstrating the existence of this account and its legality. If I am not provided with this evidence, I shall insist that the account be removed from my credit file. 

LIST OF ACCOUNTS BEING CHALLENGED 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 2024-04-12 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: PA

Complaint narrative:
In accordance with the Metro 2 reporting standard, I am writing to formally inform you of the need for ensuring that any claims are reported in a factual and accurate manner. I'd like to request that you provide me with tangible, verifiable evidence demonstrating the existence of this account and its legality. If I am not provided with this evidence, I shall insist that the account be removed from my credit file. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Progressive management systems is attempting to collect for a date of service of XX/XX/2022, in which my insurance company at the time did not receive itemized billing for that date of service, and therefore I never received an EOB. The letter from Progressive Management system cites a date of service that was never billed to my insurance company. I confirmed the date of service in their notice matches no eob in my insurance companys system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: 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 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 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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 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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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 called all three reporting agencies asking them to remove the hard inquiries reported in accurately and negatively on my credit report. 

In accordance with 15 U.S. Code 1681- Congressional findings and statement of purpose section ( a ) & ( b ) it is detrimental to the consumer as well as our economic structure that these negative items be removed. 

The inquiries are not yet removed since my request. 

The inquiries that I wish to remove are located on the attached documents of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: NJ

Complaint narrative:
I called all three reporting agencies asking them to remove the hard inquiries reported in accurately and negatively on my credit report. 

In accordance with XXXX XXXX XXXX XXXX- Congressional findings and statement of purpose section ( a ) & ( b ) it is detrimental to the consumer as well as our economic structure that these negative items be removed. 

The inquiries are not yet removed since my request. 

The inquiries that I wish to remove are located on the attached documents of this complaint.

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