vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
SYNCB/BELK 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 2024-03-05 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: TX

Complaint narrative:
My consumer rights have been violated. Pursuant to 15 USC 1681b I never gave consent. 
They are reporting fraudulently and pursuant to 15 USC 1681c-1 and 15 USC 1681c-2 the information needs to be removed and blocked. I have previously disputed these items errors and by reporting them my rights are being violated pursuant to 15 USC 1681s-2a1a reporting information with known errors. 
By allowing these errors they also are violating my rights pursuant to 15 USC 1681eb for maximum accuracy.

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 2024-03-05 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: CT

Complaint narrative:
I am writing to request the immediate removal of fraudulent inquiries from my credit report. I recently obtained a copy of my credit report and discovered inquiries made, that I did not authorize or have any association with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
order items from XXXX and never received the items. called XXXX and XXXX for proof of delivery which I never received. truist bank contacted XXXX never received any response. Iam tired of waiting over 45 days

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 2024-03-05 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: GA

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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. 
XXXX XXXX XXXX XXXX! 
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2024-03-05 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: FL

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report concerning my account with XXXX XXXX, ending in XXXX. Experian and XXXX report indicates that the payment for the month of XXXX is 30 days late, which is incorrect. I have substantial evidence to support my claim and rectify this issue. 

The payment for XX/XX/2024 was due on the XXXX and was, in fact, made on XXXX. Furthermore, my XXXX payment was made on XX/XX/2024, and my XXXX payment on XX/XX/2024. 

XXXX and XXXX are reporting on time, why is XXXX reported late when all payments are due on the XXXX of each month. 

I have attached emails, payment confirmations, and bank statements highlighting each transaction for your review. These documents clearly demonstrate that all payments were made on time. 

Moreover, I received a notification that the funds were returned due to an alleged error on XXXX 's part. Upon verification with XXXX XXXX, my bank, it was confirmed that no payment request from XXXX had been received. I promptly notified XXXX of their error, providing screenshots of the available funds as evidence. Despite these actions, my credit report now reflects a 30-day delinquency for XX/XX/2024. I submitted the payment within 30 days and XXXX never retrieved the payment until I responded to the email. For there the payment was processed a day later. 

I kindly request that Experian thoroughly investigate this matter and promptly remove the erroneous late payment from my credit report. The adverse impact on my credit score necessitates an urgent resolution of this issue. 

Thank you for your attention to this matter. Enclosed are the necessary documents to support my dispute. I trust in your ability to address this situation promptly and accurately.

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 2024-03-05 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: NY

Complaint narrative:
I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : 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 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 2024-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: BMO BANK NATIONAL ASSOCIATION
State: OH

Complaint narrative:
BMO has obtained my information and loan in breach of contract through the obtaining of Bank of the West Bank of the West did not follow USC 156802 never received a third party opt out form within 30 days of entering into a commerce agreement with a financial institution BMO has refused to give me any of the documentation that I'm legally entitled to is not honoring the contract and committing credit reporting fraud

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 2024-03-05 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: TX

Complaint narrative:
I kindly request your assistance in providing me with accurate and complete information regarding anydelinquency or derogatory behavior associated with my credit report. It is important that the informationreported follows all established laws and standards. I understand that negative information can be damaging, which is why I am requesting that you confirm any potential negative information reported. I value transparency and would like to know the absolute truth and facts. I believe that the report you provided may not be entirely accurate due to the lack of evidence supporting some of the claims. 

To ensure the integrity of the data, I kindly ask that you follow the Metro 2 data field formatted reporting standard. Could you please provide me with a document that shows all the evidence for each claim? It is important that this document is verified as correct, complete, and true. According to the 2020 CRRG, any deviation from these standards jeopardizes the integrity of the data. I understand that mistakes can happen, but I want to ensure that the reporting process was done correctly and that the format is correct. Therefore, I can not confirm the accuracy of your claims until I receive sufficient evidence. Thank you for your cooperation in resolving this matter. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - 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 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 2024-03-05 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: FL

Complaint narrative:
Since entering repayment in XX/XX/2023 I have been paying an additional {$100.00} towards my student loans every month and my employer offers student loan assistance and also pays {$100.00} directly every month to MOHELA, my loan servicer. Since XX/XX/2023 MOHELA has not been applying the additional payments towards my principal balance but rather putting my account into pay ahead status. In XX/XX/2023 I called and inquired how to fix this and was told to submit a formal written and signed letter asking to put additional payments towards principal only. I submitted the signed and dated letter asking for exactly that on XX/XX/2023. As of today that request has still not been processed and my account remains in paid ahead status. I have called multiple times asking for an update only to be told its still in process and Im not given any sort of timeline for completion. As of today MOHELA has received {$1200.00} of additional payments that they are not applying towards my principal balance as I requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: CITIBANK, N.A.
State: OR

Complaint narrative:
A card that hadnt been used since XXXX was charged randomly in XXXX of XXXX. The card had only ever been used in BestBuy and was used at some diner and other stores. When I received the emails about charges due I called CitiBank to say I didnt recognize the account in XXXX of XXXX. I thought things were handled but in XXXX I saw my credit score drop for late payments. I called again to try and figure out what these charges were. It took speaking with several agents before I could get a clear answer. We reported the charges again. In XXXX I called back because my account was still being reported late. The agent I spoke with said the credits hadnt been appropriately applied for the marked fraudulent charges which was why the account was still reporting late. They then said they would add this to the review for the charges and it should remove the charges but the discrepancy wouldnt be reported to the bureau until the investigation was complete which could take 60-90 days. I am in the process of purchasing a loan and the continued failure on CitiBanks end to appropriately resolve this dispute for very clearly fraudulent charges has been impactful and disappointing. 

It is also worth noting I was told I would receive a replacement card and have yet to receive that though Id prefer the account just be closed at this point.

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 2024-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
In XX/XX/XXXX I took advantage of two different offers from Bank of America. One was a balance transfer offer on an existing account, and the other a new credit card offer with a {$200.00} cash bonus. Almost immediately, the new credit card was flagged for fraud and disabled. I spoke to the fraud team and identified one fraudulent charge. They sent me a new card. 

In XXXX, I attempted to login to online access and pay my account, my online access was disabled. I called Bank of America and the customer service rep was unable to unlock the account. At this point I requested paper statements for both accounts so that I could maintain on-time payments. The rep indicated that the issue would be escalated. 

A week or so later online access was still unavailable, so I called to make a payment by phone. The rep was confused, as they were not able to accept payment. Again the issue was to be escalated. 

I received a late notice by mail, and remitted payment using paper checks. 

In XXXX I called again and requested paper statements, as I have not received them and my online access was still blocked. The rep was not able to accept payment, nor access the accounts. Yet again the issue was said to be escalated. 

In XXXX I received another late letter and I remitted payment via paper checks. I drafted a letter detailing the situation and sent via US Mail to Bank of America customer service demanding resolution to include reversal of late fees and restoration of online access. I have not received any acknowledgement of that letter. Shortly thereafter however, I received a letter indicating that my account had been closed ( this pertains to the new account opened in XXXX ). I've gotten no notice related to the existing account that was in good standing and XXXX balance before the balance transfer in XXXX. 

In XXXX I again called customer service and explained the entire situation. At this point the calls are repetitive, as reps have no idea how or why the accounts are in the status they are. 

Today ( XX/XX/XXXX ) I called and was informed that both accounts are closed and in collections. I am furious about this, as my credit has been negatively affected, the interest rates are raised to default rates and I am being treated as a deadbeat EVEN THOUGH MY PAPER CHECKS HAVE BEEN CASHED and reps have confirmed that payments are posted to my account.

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 2024-03-05 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: TX

Complaint narrative:
My consumer rights have been violated. Pursuant to 15 USC 1681b I never gave consent. 
They are reporting fraudulently and pursuant to 15 USC 1681c-1 and 15 USC 1681c-2 the information needs to be removed and blocked. I have previously disputed these items errors and by reporting them my rights are being violated pursuant to 15 USC 1681s-2a1a reporting information with known errors. 
By allowing these errors they also are violating my rights pursuant to 15 USC 1681eb for maximum accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: TX

Complaint narrative:
My consumer rights have been violated. Pursuant to 15 USC 1681b I never gave consent. 
They are reporting fraudulently and pursuant to 15 USC 1681c-1 and 15 USC 1681c-2 the information needs to be removed and blocked. I have previously disputed these items errors and by reporting them my rights are being violated pursuant to 15 USC 1681s-2a1a reporting information with known errors. 
By allowing these errors they also are violating my rights pursuant to 15 USC 1681eb for maximum accuracy.

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 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally express my deep concern and dissatisfaction with XXXX 's handling of my account, particularly regarding a dispute I have raised concerning erroneous charges. Despite multiple attempts to dispute these charges, which pertain to a service XXXX was obligated to provide but failed to deliver adequately, there has been a complete lack of response from XXXX 's side. This failure to engage not only undermines the trust I placed in XXXX as a service provider but also contravenes the principles of fair and transparent billing practices. 

Moreover, I must bring to your attention that XXXX has not fulfilled its legal obligation to report my dispute to the credit bureaus. This oversightor deliberate omissionhas serious implications for my credit report and score, further exacerbating the issue at hand. The lack of acknowledgment and the failure to report the dispute have left me in a precarious position, affecting my financial integrity without just cause. 

Equally concerning is the responseor lack thereoffrom the credit bureaus. Despite being apprised of the dispute and the erroneous charges levied by XXXX, there has been no action taken to investigate or amend the information on my credit report. This disregard for consumer disputes not only undermines the credibility of the credit reporting process but also leaves affected consumers without recourse or remedy. 

I urge XXXX to address this matter with the urgency and seriousness it warrants. I demand that XXXX : Provide a detailed explanation for the erroneous charges, Refund any charges that were incorrectly billed, Report my dispute to the credit bureaus as is required, Take immediate steps to correct any misinformation on my credit report resulting from this issue. 
I also call upon the credit bureaus to fulfill their responsibilities by : Investigating my dispute in a timely and thorough manner, Updating my credit report to accurately reflect the outcome of this dispute, Ensuring that my credit score is not unjustly impacted by these disputed charges. 
Failure to address these concerns satisfactorily will leave me no choice but to escalate the matter through legal channels. I am prepared to take all necessary steps to protect my rights and ensure that my credit report accurately reflects my financial behavior and history. 

I look forward to a prompt resolution to this matter.

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