vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was scammed into sending {$900.00} from a fraudulent check that had cleared but later bounced on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Never applied for a credit card with Bank of America but was issued a card. Called and address was changed on account and new card issued and used.

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 2022-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 non-monetary relief
Consumer complaint received 2022-08-04 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: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
Sunrise Collection Agency called my husband and gave him every detail about the disputed debt. Spoke to him about all of the personal details of the debt, WITHOUT MY CONSENT OR PERMISSION. They violated my rights.

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 2022-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As dated XX/XX/2022, I, XXXX XXXX, Consumer. According to TransUnion LLC, dated on XX/XX/2022 have Verified Account XXXX XXXX # XXXX reporting as VERIFIED AS ACCURATE. TransUnion LLC, XXXX XXXX who is in fact is TransUnion LLC Chief Financial Officer ( CFO ) pursuant to 15 U.S. Code 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX who is In FACT TransUnion LLC Chief Financial Officer ( CFO ), TransUnion LLC, I, XXXX XXXX am DEMANDING TransUnion LLC to provide documentary evidence to prove that TransUnion LLC have followed reasonable procedures to assure maximum possible accuracy according to the Fair Credit Reporting Act pursuant to 15 U.S. Code 1681e ( b ). This notice shall not be construed for any reason. If TransUnion LLC willfully and intentionally fails to provide proof of reasonable procedures to assure maximum possible accuracy, TransUnion LLC, XXXX XXXX who is in fact TransUnion LLC CEO ( chief executive officer ), XXXX XXXX in fact is TransUnion LLC CFO ( Chief Financial Officer ), shall be fined {$1000.00} ( PER DAY ) for negligence noncompliance pursuant to FAIR CREDIT REPORTING ACT 15 USC 1681o ( a ) ( 1 ) until the day of deletion ( s ) of the mentioned account ( s ) from XXXX XXXX XXXX XXXX XXXX and until the day TransUnion LLC have proof of full compliance of federal law ( s ) 15 U.S. Code 1681e ( b ) Upon receipt of this notice THIS NOTICE SHALL TAKE EFFECT IMMEDIATELY WITH PREJUDICE!! ALL LEGAL ACTIONS WILL BE TAKING!! Thanks, best regards.

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 2022-08-04 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: FL

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I had this credit card which I believe was XXXX XXXXXXXX card my purse came up stolen with all my cards and other information my XXXX XXXX card was on of them with the sign in to my account I had written down in my purse I report it stolen with my identity they never lock or block my account so the person had my card had to been using my card repeatedly and some kind of way was paying my bill some type of way in they just kept using it until the run my credit up to XXXX something dollars in my credit limit was even that high so I don't understand how could they let someone charge that much on my stolen credit card XXXX XXXX XXXX they have did a court thing the have add on my credit report that's hurt my credit score they have sent it to a collection agent call PYOD LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
A supposedly deactivated Bank of America credit card with a closed account number used to make purchases on XXXX several months after the account was closed. 

On XX/XX/2022 I lost my Bank of America Credit Card. On XX/XX/XXXX a Bank of America fraudulent charge alert notified me that someone had made purchases with that credit card through XXXX and XXXX. I immediately called Bank of America to report the fraudulent charges and close that account. Bank of America said they deactivated that card as of XX/XX/XXXX or XX/XX/XXXX. 

On XX/XX/2022, I found charges to my new Bank of America account from XXXX, despite not having used my new Bank of America card since the end of XXXX ( when I found the fraudulent charges ). I called XXXX to report the Fraudulent activity and confirmed that last four digits of the card used to make the purchases and the last four digits of the card canceled in XXXX. This time I had not been alerted at all by Bank of America. The supposedly deactivated credit card had been used to make purchases on XXXX and the charges were coming to my account. It is also evident that no identity validation or security checks had been done to ensure that the transactions being made with that card were initiated by the actual owner of that credit card.

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 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX bank is reporting a late payment on my credit report for {$80.00} when auto payment every month is around {$400.00} on auto pay. I have set up this account years ago to auto pay and i have never removed or changed this feature. I just noticed this late on my credit. looks like the bank had a glitch on their end and is hurting my credit now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX bank is reporting a late payment on my credit report for {$80.00} when auto payment every month is around {$400.00} on auto pay. I have set up this account years ago to auto pay and i have never removed or changed this feature. I just noticed this late on my credit. looks like the bank had a glitch on their end and is hurting my credit now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX bank is reporting a late payment on my credit report for {$80.00} when auto payment every month is around {$400.00} on auto pay. I have set up this account years ago to auto pay and i have never removed or changed this feature. I just noticed this late on my credit. looks like the bank had a glitch on their end and is hurting my credit now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: AL

Complaint narrative:
It's really weird how these credit bureaus reporting me as late on these accounts I want you to investigate these accounts. 

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments. 

XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2022-08-04 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: FL

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2022-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
XX/XX/XXXX, theft occurred with XXXX XXXX of 2 mobile phones. The perpetrator used email XXXX and phone XXXX ( neither belong to me ) in order to purchase two mobile phones using my stolen credit card number. On XX/XX/XXXX i noticed a fraudulent charge on my XXXXXXXX XXXX card for {$220.00}. I reported to the credit card, and after their investigation XXXX bank removed the charge from my account and issued a new credit card. Later in spring of XXXX the collection agency, Sunrise Credit, contacted me to collect {$3000.00}. This is when i realized there was a case of Identity Theft since the collection was associated to my social security number. 

Local police report was filed on XX/XX/XXXX with the XXXX Police Department. 

I contacted XXXX XXXX customer service, i visited their local office, and mailed them the same information described here. They would not take back the phones, they would not stop the collection agency. I have not yet heard a response from the letter that I sent. I also sent a letter to Sunrise Collection Agency and called them, resulting in no response or assistance in resolving. 

Lastly, I contacted XXXX because Sunrise Credit collection agency is on my credit report and is negatively affecting my credit score. I sent a letter to XXXX also disputing this collection and asking for the removal from my credit report. I have not heard back from XXXX on this as they are still researching.

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 2022-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX XXXX XXXX called my husbands work looking for me. They told him that there was a warrant for my arrest that had been served at our old house in Alabama. They said I was being sued for credit card fraud. We called them back on three way and the lady that answered the phone was XXXX. She told me the same thing and that I had made recent purchases and payments on this credit card. The debt on this credit card is XXXX XXXX XXXX and is time barred in the state of Alabama. I did not make the purchases on the credit card in question although it was in my name. I was already sued for this debt approximately 10 years ago and it was thrown out of court when I counter sued for violations of the Fair Debt Collection Practices Act. The original debtor is Barclay Bank.

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 2022-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As dated, XX/XX/2022, I, XXXX XXXX, Consumer, am aware of TransUnion LLC unlawful business practices act and deceptive business practices act.

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 2022-08-04 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: EQUIFAX, INC.
State: MD

Complaint narrative:
So I sent a letter off on XXXX XXXX. Here is my tracking # XXXX. To remove personal information and public records that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: SC

Complaint narrative:
I have recently requested a copy of my credit reports and have noticed some inquiries that I did not authorize. I have reached out to these bureaus and have had no response on these issues. I am having trouble removing fraudulent inquires for, all three bureaus, Experian, XXXX and XXXX. The inquiries listed are fraudulent and I did not authorize them. I have also placed a fraud report on my previous bank account ( and closed it ) with XXXX XXXX XXXX XXXX XXXX due to, this issue as well as, unauthorized withdrawals. The reporting of these fraudulent inquiries is a violation of my rights and privacy. I need them to be removed immediately. They are causing financial harm to me and my family. 

Experian Fraudulent Inquiry : - XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries : - XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquiries : -XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please review and correct as soon as possible. 

Thank you

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 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Company is reporting that the account is 60 days past due when it is not.

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 2022-08-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im XXXX XXXX XXXX, I just checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.

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 2022-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc.
State: TX

Complaint narrative:
ARM Solutions out of XXXX, CA, on behalf of XXXX XXXX XXXX is actively trying to collect a debt that is not valid. I entered an agreement with XXXX XXXX XXXXl at a previous address XXXX XXXX XXXX, XXXX Texas XXXX, in 2021, with the company guarantee that their services would eliminate pest and bug problems. I called this company out on multiple occasions to no avail, as the services being provided were not adequate. After multiple visits to the home, I contacted the company to tell them that they have breached their " guarantee '' policy by not being able to eliminate or even slow the pest situation and that I was going to have to change to another company that could take care of the issue. They immediately began calling me, emailing me and texting my cell phone weekly, harassing me about a breach of contract fee that was to be charged. I told them that they were if fact, the party that had breached the contract and that I would not be paying any fees. This same scenario happened multiple times, and each time, they would tell me that a " manager '' would contact me back. When I received a call from a " manager '' several days later, it was a collection agent from another country outside of the US, who proceeded to threaten me about the " consequences '' of not paying the fees. I am completely dissatisfied with this company and the so called " service '' that the were unable to provide, as well as their shady business practices and harassment. I want all of the money back that I paid to XXXX XXXX during the time we were under contract, because they were never able to do anything that they claimed. This company is a scam and I would advise anyone who considers using them not to.

Company response to consumer: Closed with explanation