vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-17 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: IL

Complaint narrative:
Subject : Formal Request for Reinvestigation of Fraudulent Transaction and Immediate Credit Reporting Correctio I am writing to formally express my ongoing dissatisfaction with XXXXXXXX XXXX  handling of a disputed fraudulent transaction on my account, which I first reported in XX/XX/2024. I have made multiple requests for the Bank to reopen the investigation and provide a detailed explanation of the denials, yet XXXX XXXX  continues to refer me to the merchant, XXXX, who is unable to assist me. 

Background on the Fraudulent Transaction I have reached out to XXXX directly, as suggested by XXXX XXXX, but they have confirmed that they can not locate any transaction without an order number or transaction numberdetails I can not provide, as I did not make the transaction in question. I have also provided XXXX XXXX  with a police report supporting my claim of fraud. 

Despite this, I continue to be referred back to the merchant, and this back-and-forth has resulted in no progress toward resolving this unauthorized charge. XXXX XXXX  repeated refusal to reinvestigate or resolve the issue is deeply concerning and has caused significant financial and emotional distress. 

Request for Reinvestigation and Reporting Corrections I am formally requesting once again that XXXX XXXX  and XXXX Reopen the investigation into the fraudulent transaction on my account. 
Provide a detailed explanation of why my dispute was previously denied, along with any supporting documentation XXXX XXXX  relied on to reach that conclusion. 
Correct the inaccurate credit reporting related to this transaction. XXXX XXXX  continued reporting of this charge to the credit bureaus has resulted in a XXXXpoint drop in my credit score, despite the ongoing dispute. 
Violation of 15 USC 1692c In XX/XX/2024, I formally requested under 15 USC 1692c that XXXX XXXX  cease communication with me regarding the disputed charge, yet I continue to be contacted about this issue, and worse, it has been reported inaccurately to all major credit reporting agencies. 

Next Steps and Legal Recourse I expect a written response to this letter within 14 days that addresses my requests, specifically regarding : Immediate correction of any negative credit reporting tied to this fraudulent charge.

If this matter is not resolved satisfactorily, I will be forced to take further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action to protect my rights under the Fair Credit Billing Act ( FCBA ) and Fair Credit Reporting Act ( FCRA ). 

Please treat this matter with the urgency it demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Subject : Formal Request for Reinvestigation of Fraudulent Transaction and Immediate Credit Reporting Correctio I am writing to formally express my ongoing dissatisfaction with XXXX XXXX  handling of a disputed fraudulent transaction on my account, which I first reported in XX/XX/year>. I have made multiple requests for the Bank to reopen the investigation and provide a detailed explanation of the denials, yet XXXX XXXX  continues to refer me to the merchant, XXXX, who is unable to assist me. 

Background on the Fraudulent Transaction I have reached out to XXXX directly, as suggested by XXXX XXXX, but they have confirmed that they can not locate any transaction without an order number or transaction numberdetails I can not provide, as I did not make the transaction in question. I have also provided XXXX XXXX  with a police report supporting my claim of fraud. 

Despite this, I continue to be referred back to the merchant, and this back-and-forth has resulted in no progress toward resolving this unauthorized charge. XXXX XXXX  repeated refusal to reinvestigate or resolve the issue is deeply concerning and has caused significant financial and emotional distress. 

Request for Reinvestigation and Reporting Corrections I am formally requesting once again that XXXX Bank and XXXX Reopen the investigation into the fraudulent transaction on my account. 
Provide a detailed explanation of why my dispute was previously denied, along with any supporting documentation XXXX XXXX  relied on to reach that conclusion. 
Correct the inaccurate credit reporting related to this transaction. XXXX XXXX  continued reporting of this charge to the credit bureaus has resulted in a XXXXpoint  drop in my credit score, despite the ongoing dispute. 
Violation of 15 USC 1692c In XX/XX/year>, I formally requested under 15 USC 1692c that XXXX Bank cease communication with me regarding the disputed charge, yet I continue to be contacted about this issue, and worse, it has been reported inaccurately to all major credit reporting agencies. 

Next Steps and Legal Recourse I expect a written response to this letter within 14 days that addresses my requests, specifically regarding : Immediate correction of any negative credit reporting tied to this fraudulent charge. 
If this matter is not resolved satisfactorily, I will be forced to take further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action to protect my rights under the Fair Credit Billing Act ( FCBA ) and Fair Credit Reporting Act ( FCRA ). 

Please treat this matter with the urgency it demands.

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 2024-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I Would like these unauthorized hard inquiries removed from my report. i DID NOT give them permission to pull my report. I want these removed. 

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 2024-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Hello, I have had a Citi Visa Costco card for about 6 years. My card has been compromised 4 x. This last time, I complained to the company but they just kept telling me they would get me a card soonest. I keep my cards in protectors and do not let anyone else use them. Within days my XXXX XXXX was compromised and I had to get a new card-first time for them. I am very frustrated with Citi. I plan on talking to Costco too. I have had a XXXX XXXX for over 30 years and it has never been compromised. My XXXX card is around XXXX that has never been compromised. I believe that the Federal government passed laws to protect us but does anyone make sure the laws are followed? I overheard a conversation about how terribly lax a major phone company is. Is lack of enforcement the problem? 

thank you for your time and attention

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 2024-09-18 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is my second attempt to resolve this matter with this company I called the Experian specialist team for further verification on why is this account still remands on my credit file. XXXX number XXXX I spoke to XXXX CASE NUMBER XXXX and he told me XXXX verify this information and they should be held accountable for lying because I also asked the courts to verify using the same case number XXXX and someone else name was attached and saying they do not report to credit bureau so how is this information verify or is this company lying and refusing to do there job.

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 2024-09-17 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: AZ

Complaint narrative:
To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from 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 2024-09-18 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: NV

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXXXXXX XXXX XXXXXXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I received a fraud alert on my telephone regarding my PNC Bank account. XXXX charges had been made to my account by XXXX in the amounts of XXXX, XXXX and XXXX. I called PNC Fraud and spoke with someone who said the problem would be resolved by Tuesday the XXXX. I destroyed my card, that debit card was closed, and on Monday the XXXX I went to the local branch and got a new debit card. This morning, XX/XX/XXXX, I saw that my account had been debited in the amount of XXXX and XXXX. I called PNC Fraud and was told I needed to dispute it, they would do an investigation, and it would take up to ten business days. Meanwhile I do not have access to my funds in the amount of XXXX. This does not seem fair or just to me, and I am wondering if there is a recourse I could navigate to address this? Thank you for your time and effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting 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:
My account with was never late! I have had exceptional payment history witH XXXX  XXXX 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 in 60 days 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The late payment in question appears on my recent credit report and does not reflect the accurate payment history. I request that you review the account records and correct the errors. In accordance with Section 15 USC 1666b of the Fair Credit Billing Act, I am entitled to protection against inaccurate credit reporting and prompt resolution of such disputes. 
Section 15 USC 1666b states : " A creditor may not report a late payment on an account, if the consumer has made all payments due to the creditor on the account within 30 days of the due date. '' Based on this provision, since my payment was made within the 30-day period, I believe that the late payment report is incorrect and should be adjusted accordingly. Please provide written confirmation of the correction once it has been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: CA

Complaint narrative:
The late payment in question appears on my recent credit report and does not reflect the accurate payment history. I request that you review the account records and correct the errors. In accordance with Section 15 USC 1666b of the Fair Credit Billing Act, I am entitled to protection against inaccurate credit reporting and prompt resolution of such disputes. 
Section 15 USC 1666b states : " A creditor may not report a late payment on an account, if the consumer has made all payments due to the creditor on the account within 30 days of the due date. '' Based on this provision, since my payment was made within the 30-day period, I believe that the late payment report is incorrect and should be adjusted accordingly. Please provide written confirmation of the correction once it has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE RESOURCE MANAGE 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency make take 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 1681 S-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 2024-09-18 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: TX

Complaint narrative:
On XX/XX/year> I sent XXXX, XXXX, and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on. I asked that they send me the methods of verification.

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 2024-09-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year> I sent Experian, XXXX, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on. I asked that they send me the methods of verification.

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 2024-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Good evening, My name is XXXX XXXX. My father passed away this year due to XXXX XXXX. Before he passed away, he told me he put all his money in Bank of America and named 3 people as POD. I was one of them. The other two people are my mother and my brother. I am a US citizen but XXXX XXXX XXXX XXXX XXXX XXXX So Bank of America has been trying their best to deny my family my fathers money. I have tried multiple times to work with the bank to get the funds for my family. I have even spent thousands of dollars trying to get the document they wanted. After I provided them with everything they wanted multiple times, they still are refusing to give my family the funds by creating fake requirements. I have submitted a Full POA that has been verified and authenticated by the XXXXXXXX XXXX, the American embassy and the state department. They just refused to give us our fathers money again. There is no one else. My father was only married to one person and he only has XXXX  children. I have the marriage license and birth certificate for both children named as POD. This seemed like an open and shut case. I believe this discrimination happened because of my race and because of the fact that my family doesnt have strong legal representation in the United States XXXX As crazy as it sounds, I am asking for help to obtain my fathers funds that are being held by Bank of America. Just for information, I have already complained to multiple parties within Bank of America and my complaints were documented and sent up the chain of command but still nothing changed. The amount in question is not a small amount, at least not for my family. I have bills adding up and my family needs the money back home. It is not fair that father worked all his life and was loyal customer of Bank of America, just for them to treat his family disrespectfully in this hard time. 

Pleas help Thank you for listening Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief