vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This morning [ XX/XX/XXXX at XXXX XXXX  ], I noticed on the BOA app that my Bank of America Travel Rewards Credit Card has been changed to the Bank of America Unlimited Cash Rewards Visa Signature credit card. Both of these cards have {$0.00} annual fee. On their website, it states that the travel card has no foreign transaction fee, whereas the unlimited cash rewards card has a 3 % foreign transaction fee. 
I have received countless offers to switch my travel card to the unlimited cash card and I never authorized this change. 
My last transaction made on this credit card was on XX/XX/XXXX, almost 2 years ago. I suspected this change might be targeted to less active accounts like mine, similar to their unauthorized account openings scheme. 
I called customer support about this issue and the support agent told me there was a notice that was sent to me on XX/XX/XXXX notifying me of this change. However, in this notice, supposedly, there was no option to opt out of it. I do not see any such notice on my online account, where I should have a digital copy of all notices that are physically mailed to me. 
The support agent tried to convince me to stay on the unlimited cash credit card by telling me I have an introductory offer of {$200.00} cash back if I spend {$1000.00} in the first couple of months of my account being opened. He also mentioned that this was an upgrade to my old card. At this point, I told him that this is actually a downgrade due to the foreign transaction fee. He looked into my account and saw that my specific account doesnt have foreign transaction fees and this was part of the complementary change to honor the no foreign transaction fees on my old card. 
I asked to have my card switched back to the travel card since I never authorized this change. He read the disclosure about accounts and offers becoming invalid. Wanting more time to think about this, I asked for documentation to be sent and he said he can send the documentation specific to my account. However, his only option is to send it via physical mail and it should arrive in XXXX weeks.

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUPERIOR CAR CREDIT
State: IL

Complaint narrative:
I bought a vehicle from Superior Car Credit XXXX XXXX. For the entire year of XXXX I payed on the vehicle. I fell behind a couple times, but always came up with the money to catch up. Due to family issues XX/XX/XXXX of XXXX the car was repossessed. For the first 4 months the company reported to the credit bureaus that I was missing payments. I had to dispute this with the credit agencies for them to report accurately to no avail. Finally the account was closed with Superior Car Credit reporting a {$10000.00} balance was false. After asking them if the car was in auction or sold I was met with false information. Turns out the car was sold months before. Superior Car Credit finally reported that I owed XXXX this is after I'd seek legal assistance. This does not reflect any of my payments or the sale of the vehicle. One of the finance staff told me that they'll make sure I cant get another vehicle with false reporting. This company is awful and poor and illegal loan practices. I'm seeking proof of the vehicle sale and date and for them to report accurately of the true balance of the vehicle. I've emailed them several times and no one has gotten back to me. This is hurting my score and making it impossible to get another vehicle. please help

Company response to consumer: Untimely response
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: PR

Complaint narrative:
My credit report shows a XXXX XXXX /XXXX  account that opened on XX/XX/2022 with a debt of {$5400.00} to loss that was never opened by me. 
I have never had accounts with XXXX. The address of the company that appears in the report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , MN XXXX TEL. 
XXXX On the other hand, my credit report shows two addresses where I have never lived XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I am sending this response to the the lender. I would like to use code HJR-192 this code validates the account Consumer Law code.

I am dealing with a lot of identity theft and inconsistent resources that are misleading and useful.

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 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CRED Technologies dba cred.ai
State: NC

Complaint narrative:
Cred.ai is the company that oversees tis XXXX card which is billed a credit repair card. I had a fraudulent transaction, and they closed the card and took the XXXX and kept the money. They said they have to do an investigation that will last 45 days. Now normally most cards ( any that I have ) will take the fraudulent charge leave my money on the card while they do an investigation. But they took the {$39.00} and refuse to give it back while they do this 45 day investigation. I did my own investigation as I used to work in card services and the fraudulent charge was obviously a fake as the website is fake and they don't say what they do and they could not say what they offer in their business. It seems to be a secret. But at the same time, I feel the fraudulent company is connected to Cred.ai in some way. No company will keep your money for 45 days. An investigation usually over inside of a week and most companies finish in 3 days. Especially the fraudulent charge was so obviously fake. I am a XXXX XXXX and can not afford to GIVE OUT XXXX on a Fraudulent transaction that seems to involve not only the fraudelent company but the credit/debit card company also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have informed XXXX XXXX, XXXX XXXX, AND ALL CREDIT BUREAUS that I am a victim of identity theft and I did not create a XXXX XXXX account to my benefit. They deleted it off of my credit report and now it has been placed back on.

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
Reference : XXXX on XXXX XXXX I hadn't use the devices and serviece from XXXX XXXX XXXX company because I returned them back and I have the proof for that. 
Return Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2022 Status of shipping : picked up by shipping Agent XX/XX/2022 at XXXX XXXXXXXX XXXX XXXX OH XXXX as well I have the picture of the returned box as well the receipt. 
I send the Company several e mails I call them several times about that but no one tried solve them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC
State: VA

Complaint narrative:
In XXXX, an appliance was lease from XXXX. When the appliance was shipped it was defected ( there was a large dent and groove on the freezer door/ it was caved in ) and a report was made. XXXX offered to have the appliance picked up and replaced. A pickup delivery date was set. XXXX never replaced the appliance and a call was made to the company several times. I learned that XXXX filed bankruptcy and went out of business. In the meantime, my debit card was still being charged and payments were still being made. XXXX went out of business and never replaced the defected item. A new and functioning appliance was made from another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
These accounts were opened without my knowlege and i want them removed from my credit reports TransUnion, XXXX and XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

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.

has violated my rights. Or 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 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
Once upon a time, in the year 2021, XXXX and XXXX discovered that a sneaky account had been opened in my name. It turns out, my partner at the time, took advantage of my vulnerable state. I was XXXX, sick, and enduring XXXX. Not only did they open a credit card in my name, but they also put utilities in my name without my knowledge. It was a nightmare. 

But, thankfully, I managed to escape that toxic relationship and start rebuilding my life. As I looked at my credit report, I noticed a recurring problem - missed payments from that fraudulent account. It was frustrating because I had been a stay-at-home mother for years, always responsible with my finances. 

Now, I have big dreams for the future. I want to provide a stable home and a bright future for my XXXX daughters. But to do that, I need to address this credit issue. I want to buy a home and have reliable transportation. Before that partner came into my life, my credit was impeccable. 

So, I'm determined to take action. I'm ready to rebuild my credit and create a better life for myself and my daughters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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 want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX continues to report a late payment when they are in clear violation of FCRA section 623, 15 U.S.C. 1681s-2 ; 12 CFR part 1022, subpart E.

( II ) Covered period The term covered period means the period beginning on XX/XX/2020 and ending on the later of ( aa ) 120 days after XX/XX/2020 ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/2020 under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 
( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.

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