vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My act was compromised in XX/XX/XXXX due to a lack of the bank protecting there customers and frezzing my act left me with no outlet not even money to feed my self I was literally going hungry and had no gas to get to work no way to pay my bills and not even money for the medication I so desperately need at that time i had gotten vary sick and left with no answers all I could do was fight and fight to try to get my money back from the bank I fight till XX/XX/XXXXXXXX XXXX XXXX  and finely had the bank pay me back. after years of stress and standing up for my self and fighting for what was rightfully mine it's sad that I had to fight for so long. I don't have words for it. and the stress and the impact that stress. had on my health. it was a lot and took a big impact on me now I got to fight to get the bank to make up for all this. that this has put me through the time I spent hrs. over looo hrs fighting as well as checking in on the progress of my claim some days I spent 8 plus hrs on the phone just to get distonected some days I get up at 4 in the morning and call in just a hope that I reach a live person that day. and be pushed to do so by the filling of being hungry. and not knowing what else to do and this had gone on for three years I believe that the bank should be held accountable for this and my hrs that I spent on the phone should had been at work not fighting on the phone with the bank. and one whould think that the bank try to do something to make up for all the unessary stress. they had put someone thru especially for 4 years I can tell u it was extremely stressful and liveing with XXXX the stress did nut help by any means was it good on my health I fill that the bank need to be accountable for there actions and make up for what this has cost me and the many many hrs of workn i missed do to trying to resolve this matter I try to reach out to the bank on this matter several times now and filling out this complaints seem to be the only way of getting any thing to u on 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 explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
My email address was used for someone's credit card account. I do not have a credit card with this company. The company was Destiny Mastercard with Concora Credit Inc . They sent emails to me regarding a statement for this credit card. I called and they stated that the name on the account does not match my name so they will let their people on the backend know. I am unsure why they do not have email verification as this would have prevented the situation. I was worried my identity was stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have no knowledge of this account and I did not authorize it I would like this account removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, Equifax, & XXXX XXXX XXXX continue to report an allege debt that does not belong to me. I previously disputed this information and it was verified but no evidence was given for me to inspect to verify that a reasonable investigation was done to determine that I have an obligation under federal law to pay this debt. I did not receive any notice of my rights to dispute this debt before it was added to my consumer report and transfer and assignment of an instrument does not XXXX you collection rights. If your policies and procedures override federal law provide me with the documents used to determine you do not have follow federal guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX Jefferson Capital Syst continue to report an allege debt that does not belong to me. I previously disputed this information and it was verified but no evidence was given for me to inspect to verify that a reasonable investigation was done to determine that I have an obligation under federal law to pay this debt. I did not receive any notice of my rights to dispute this debt before it was added to my consumer report and transfer and assignment of an instrument does not XXXX you collection rights. If your policies and procedures override federal law provide me with the documents used to determine you do not have follow federal guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax logged me out and locked me out of my credit file after about XXXX minutes studying it. After that their system stated that I am not allowed to have access to my credit file because I already got one. When I called their XXXX number several times and each time I was transferred to a call center in the XXXX. They stated that they are not allowed to disclose their location then they proceeded asking me personal questions under the guise of " they must verify my identity ''. Equifax already has my social security number, my date of birth, my address and my telephone number BUT they wanted me to disclose my bank account information, my major credit card information, and a selfie of myself and a picture of my driver 's license. This is clearly XXXX XXXX. Equifax was able to verify me at first online through their portal but XXXX minutes later the system denied my access to my own credit file. Call center person stated that Equifax is a government agency. This is a fraud because Equifax is a privately owned corporation. I already filed a complaint with the XXXX, Georgia District Attorney, Georgia Attorney General and now with Consumer Financial Protection Bureau. This is an unacceptable practice and clearly data mining. Please get back to me as soon as possible with a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian, XXXX, & XXXX XXXX XXXX continue to report an allege debt that does not belong to me. I previously disputed this information and it was verified but no evidence was given for me to inspect to verify that a reasonable investigation was done to determine that I have an obligation under federal law to pay this debt. I did not receive any notice of my rights to dispute this debt before it was added to my consumer report and transfer and assignment of an instrument does not XXXX you collection rights. If your policies and procedures override federal law provide me with the documents used to determine you do not have follow federal guidelines.

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 2024-06-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Client Services, Inc.
State: MD

Complaint narrative:
Certified Letter of Intent to Dispute the Debt sent to Debt Collector on XX/XX/year> via certified mail # XXXX XXXX XXXX XXXX XXXX Notice to all, I am that I am, the consumer in fact, natural person, living breathing woman, affiant, declare that I am of majority and competent to state the matters set forth herein with firsthand knowledge of the facts, I have been appointed and accept being the executor both public and private for all matters proceeding and I hereby claim that I will be d/b/a/ XXXX consumer and autograph as the agent. attorney in fact, STATEMENT of FACTS The Fact that Affiant, is aware and has proof that Client Services , Inc.. In accordance with the Fair Reporting Act this creditor is in violation of 15 U. S. code 1692 C-Communications in connection with Debt Collections, Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt The Fact that Affiant, is aware and has proof that Client Services Inc In accordance with the Fair Reporting Act this creditor is in violation of 15 U. S. code 1692g-Validation of Debt- ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( b ) Disputed debts-If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

XXXX. I, XXXX  the consumer is disputing this debt, Client Services LLC. You should not REPORT THIS DEBT to the CREDIT REPORTING AGENCIES ( XXXX, XXXX, XXXX ). If you have already reported it, please contact the credit reporting agencies within 10 days of receipt of this notice, inform them that the debt is disputed, and ask them to DELETE the credit reporting. { please provide a written correspondent regarding VALIDATION of DELETION from credit reports. 

Thank you for your attention to this matter. 

XXXX-Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I would like to file a complaint against XXXX XXXX, XXXX XXXX Credit Collection Servcices for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide three disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each Letter was initially sent to all companies on XX/XX/year>

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: AL

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 2024-06-12 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management is furnishing an account on my credit report that has not been validated by the original creditor. Furthermore, this debt is uncollectable, and this account is to be removed from my credit report within XXXX business days. The statute of limitations in the state of Texas is 4 years and should have been ceased as of XX/XX/year>. Due to your negligence, I have attached an invoice for the violations. Payment is to be remitted to the address on the invoice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am filing this complaint against Synchrony Bank ( PC Richards card ending in XXXX ). On, or about XX/XX/XXXX, I purchased a set of appliances for my home from PC Richard. I was informed by the sales rep that by applyingfor the PC Richard credit card I would be able to take advantage of the0 % pro which allowed me to pay off the appliances at no interest for 3 years, which would have been expected to endon XXXX. He encouraged me to apply to give me time to pay for theappliances since he had pitched higher pricedappliances due to theirbenefits/features. I set auto-payment in the amount of {$120.00} soI wouldn'thave to worry about incurring late costs. Because of this, I did not regularly check my online statement. On Sat XX/XX/XXXX, I logged onto my account knowing I had very little payments left togo. Upon doing so, I was shocked and infuriated to see that my new balance was {$3400.00}. I realized that the PCRichard rep misinformed me and that the promotion did ended XX/XX/XXXX. At the time my balancewas {$840.00}! If my promotion had in fact ended when the representativestated, then the entire balance of my appliances would have been paid off by XXXX. To see nearly a $ XXXX balance increase was completely unexpected. I feel that the rep had misinformed me and left me at adisadvantage and had XXXX financialstrain on me, one that would be very challenging torecover from.I amdisheartened and extremely overwhelmed aboutthe outcome of this situation.Synchrony mentioned that there was nothing that couldbe done. I am a fiscallyresponsible person and I take pride in my credit that I have built. Please help! I would liketo pay the original balance of the appliance as of XX/XX/XXXX. I am not able to afford the interest baringamount of {$3400.00}. I have already paid approximately {$850.00} of interest from not paying off the balance in XX/XX/XXXX. I do not have the funds to pay thisextraordinaryhigh interest thatgottacked on to the balance.

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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly 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 2024-06-12 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Company has continually reported inaccurate information without verification while claiming they have met FCRA standards. Company has had a long history of doing so as 2 accounts they had previously reported as meeting FCRA requirements were found to not meet them and have incorrect information. This file contains both incorrect amounts being reported as the amounts in both letters differ as well as the amount on my credit report are different. The address and personal information is also incorrect and does not match me as it was claimed I was contacted and this never happed due to then information being incorrect and belonging to another user. Company is liable for lying over the last 12 months about running correct reports to FCRA standards. ID does not match current address or previous address or college address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
I recently reviewed my report and noticed that I have a few inquiries without my consent. XXXX XXXX XX/XX/2023.

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