vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-03 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have two hard inquiries on my credit report that I did not approve. One is THD/cbna The other is XXXX XXXX XXXX XXXX I need my accounts protected immediately.

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 2024-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased a service for a game called XXXX. The amount was {$1900.00}. After a couple of days the service was taken away from me and was basically scammed out of my money. I submitted a claim with Bank of America and right now they apparently closed my account for no reason and they are still resolving my claims. This one just came back to me as saying resolved and them making me pay this amount for a purchase I dont even have. They are not helping me with my issues anymore over these XXXX  months they have been basically treating me wrong and they wont help me what so ever. I can show proof that the service was taken and that I dont even have it. I argued with the seller for hours and he took it back because the websites warranty ended so he took it knowing that I would be helpless on the website. He tried to tell me he was not in XXXX but that he was in XXXX. I really need help they closed down my debit so in no way can I pay a wrongful {$1900.00} when I dont even have the service and dont even have a debit card just a credit. They have helped with this same issue in the pass from the same company who took advantage of me them being eldorado.gg. I just dont get why they just dont want to help me now.

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 2024-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: First Technology Federal Credit Union
State: TX

Complaint narrative:
XXXX is a company that provides services in 2 different industries- in this case a loan agency and a solar panel sales agency. I had a balance transfer check in the amount of {$5600.00} from 2 First Tech Federal Credit Union sent to " XXXX ''. When I looked up the address online to send the check to I did not know that there were 2 separate agencies and the balance transfer check went to the solar panel agency instead of the loan agency. The check was issued on XX/XX/XXXX and deposited by by the XXXX solar panel agency on XX/XX/XXXX. The check included my account number with the XXXX LOAN agency- i have no account number with the solar agency. When I called and spoke to the solar panel agency and explained the situation they attempted to look up my account and then confirmed that they do not have an account for me and that I would need to work with my bank. Clearly this is fraud on the part of XXXX, and I do have another complaint filed against them ( XXXX ). However, the problem here is that First Tech Federal Credit Union will not assist me in getting this matter resolved. I have called, emailed and sent a letter. When I call I am given the runaround, being told that this needs to all be communicated via email. When I attempt to email them or send USPS mail, I get no response. Of course, XXXX is not willing to work with me either. I need First Tech Federal Credit Union to investigate this issue, but clearly they are not willing to! I have attached a copy of the check sent and also screenshots showing my outstanding balance and that there has been no payment applied to my XXXX account for the {$5600.00} balance transfer that was deposited on XX/XX/XXXX. I have filed complaints against both XXXX and First Tech Federal Credit Union due to the fraud committed by XXXX and the inaction of First Tech Federal Credit Union, refusing to work with me.

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 2024-08-03 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: OH

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2024-08-03 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: MD

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On XX/XX/year>, I used my Synchrony Car Care credit card to pay for {$540.00} in car repairs at XXXX XXXX XXXX in XXXX, SC. I have many, many times in the past several decades used this same credit card at this same tire store because using this card allows me to pay for large purchases over 6 months interest free if I make payments on time. From my browsing history, I can see that on XX/XX/XXXX, I went on-line to the Synchrony website and accessed my account to make my first payment. My balance on my account on XX/XX/XXXX was reading {$0.00}, but I tried to make a payment anyways since I knew the balance would be posting soon. The website would not allow me to pay anything and gave me a message to the effect that balances under {$0.00} are not allowed. ( It is not unusual for the website to be delayed in posting initial balances ). 

I always pay bills on-line at the beginning of the month, so I decided to just wait until I was paying monthly bills at the beginning of XXXX to check back in. On XX/XX/XXXX, I again logged in to the website and realized that I had already been charged a {$30.00} late fee! The statement gives a date of XX/XX/XXXX, but it was absolutely not available on-line on XX/XX/XXXX or even on XX/XX/XXXX. I don't know when the Synchrony charges became visible on-line, but the company charged me the {$30.00} late fee on XX/XX/XXXX. This feels like Synchrony has made an intentional plan to get me. They wouldn't allow me to make a payment on XX/XX/XXXX ; they delayed posting the charge ; and then they charged me the late fee after posting for only 15 days or less. Is this a recent change this company has made to catch customers unawares and collect late fees? 

On XX/XX/XXXX, when I realized what Synchrony was doing, I immediately made a {$200.00} on-line payment. Currently, my outstanding balance is {$570.00}, so they have charged me an additional {$30.00}.

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 2024-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
XX/XX/year> Requested payment deference and was denied XX/XX/year> Requested to be mailed payment options as solicitor kept calling asking for payment, at the same time disabling my ability to make an online payment. 

XX/XX/year> Ally financial gave my personal information to a third party XX/XX/year> Vehicle Repossessed, damaged, personal property stolen valued above {$2000.00}. Decision made internally, no judgement by a court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: IL

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. The fraudulent, inaccurate, and false information consists of the following accounts : XXXX XXXX  Account # : XXXX Balance : {$1700.00} Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX  Account # : XXXX Balance : {$1000.00} Opened : XX/XX/XXXX XXXX XXXX XXXX  Account # XXXX XXXX Balance : {$800.00} Opened : XX/XX/XXXX Additionally, the following XXXX  accounts are also fraudulent : Account # : XXXX - Balance : {$5500.00} Account # : XXXX - Balance : {$2300.00} Account # : XXXX - Balance : {$1100.00} Account # : XXXX Account # : XXXX - Balance : {$870.00} Account # : XXXX - Balance : {$2600.00} Account # : XXXX - Balance : {$870.00} Account # : XXXX - Balance : {$2600.00} Account # : XXXX - Balance : {$2600.00} Account # : XXXX - Balance : {$5000.00} Account # : XXXX - Balance : {$1300.00} Account # : XXXX - Balance : {$1300.00} Account # : XXXX - Balance : {$3800.00} Account # : XXXX - Balance : {$1500.00} Account # : XXXX Balance : {$2000.00} I do not recognize these accounts as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. I have also attached a copy of an Official Police Report and FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all the aforementioned accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
Delete this account since you can't demonstrate that it belongs to me, despite the fact that you're reporting it without any supporting evidence. Please give proof that my rights have not been violated and that this account should be shown on my credit record. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2024-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: FL

Complaint narrative:
I have repeatedly asked you to verify and validate this account your willful non compliance and negligence has once again violated by consumer rights. 

The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXX  Account # XXXX The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXX  Account # XXXX The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXX Account # XXXX The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXX XXXX  Account # XXXX The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXX XXXX XXXX XXXX Account # XXXX The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. Account name : XXXX XXXX XXXX XXXX Account # 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 2024-08-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I applied for a XXXX XXXX offer from XXXX on XXXX. On XXXX I received a letter from XXXX XXXX XXXX stating my application was denied because Equifax was reporting a credit score of XXXX. Naturally, I checked XXXX, and my credit score on XXXX was XXXX. I looked at my XXXX account and XXXX XXXX XXXX showed a score of XXXX. I called XXXX XXXX XXXX on XXXX and spoke to XXXX XXXX XXXX, who was of no help at all. I also called Equifax the same day and spoke to rep XXXX, and explained to her what was going on, call reference # XXXX. NOBODY CAN TELL ME WHY EQUIFAX IS TALKING OUT OF BOTH SIDES OF ITS MOUTH!! Obviously this is somebody's idea of a prank or sick joke. I have spoken to an attorney and we are currently composing a letter to Equifax and XXXX XXXX XXXX. I would like a reasonable explanation as to why this is happening, but it is apparent that the important people at either Equifax or XXXX XXXX XXXX are more ignorant than I realized. XXXX help the United States if these are the top brass calling all the shots and trying to make our country great again!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: LA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-08-03 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: LA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-08-03 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: MO

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 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: CA

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRES : 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, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX I did not authorize Experian XXXX XXXX, and XXXX to access or use my credit information. At no point did I open an account with this company or give them permission to use my credit information. 

I believe this action violates the Fair Credit Reporting Act ( FCRA ), specifically [ cite specific sections of the law, e.g., Section 604 for permissible purposes of consumer reports, Section 609 for disclosure of information to consumers, etc. ].

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 2024-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
This is the second complaint made about a nearly exact error on MOHELA 's part. My employer writes a check and mails it to MOHELA every month on my behalf to help assist me in loan repayment. My payment for XXXX went missing again ( this happened back in XXXX of XXXX and I had failed a very similar complaint ). It was not until I filed this complaint in XXXX that they were able to " find '' the lost payment and apply it to my account. This has happened yet again with my XXXX payment. My employer wrote and mailed my check XX/XX/XXXX, they have bank proof that it cleared and was cashed by MOHELA on XX/XX/XXXX. However, I never received the payment. I called customer service and they said it's because my account number has changed. I was NEVER notified that my account number was changed and therefore, my check has my account number listed with my prior account number ( prior account number : XXXX, new account number : XXXX ). I explained this to MOHELA and asked why I was not notified and they could not explain. Therefore, my check has been " cashed '' by MOHELA and they are claiming it is lost and will try their best to find it. This is again unacceptable to lose a payment and not link it to the appropriate account when that has been on autopay for months. I would like this thoroughly investigated and I would like my payment to be applied as it is money I have earned as part of my employment, and the Department of Education continues to " lose '' payments or apply them to the incorrect account ( which happened last time ). They are the most unprofessional organization and need to re-evaluate how they process money as it is very disorganized and fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: MO

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-08-03 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: MO

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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