vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I bank with 5/3rd bank. There has been at least 5 times where someone charges unauthorized transactions with my debit card number somehow. It's always from somewhere far away from XXXX, XXXX  ( Which is where I live ) everytime it's happened they assure me that it won't happen again but sure enough it does. Even when they send me a new card. Everytume I get a new card the number somehow gets stolen from someone and is being used. Everytime I dispute it I have to wait up to 2 weeks for my money back. Thays absolutely ridiculous and it's causing me financial issues. The bank doesn't seem to care. I'm sick of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$180.00} XXXX  # XXXX XX/XX/XXXX -- {$50000.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$34000.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$15000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I found that my credit card ending with XXXX was closed on XX/XX/year>. 

When I called XXXX XXXX XXXX, the associate told me that " the customer '' requested them to close the credit card on XX/XX/year>. However, I checked my phone call history, and I never called BoA on that day. 

I submitted a complaint to BoA on XXXX  on XX/XX/year>. A BoA associate, XXXX, told me that they contacted me several times to update my personal information via one of the options they gave. The deadline is XX/XX/XXXX. They said I never took actions, and that is the reason they closed my account. 

Actually, I did update my personal information at least twice in the online banking system ( Option XXXX  ), and to make sure my personal information is updated, I visited a local branch ( Option XXXX ). The local branch representative told me that everything was fine. 

XXXX then replied to me that they confessed that I did visit the local branch, but it was after the deadline. They refused to recognize my two online updates. They said according to their record, I didn't log into the system in XXXX and XXXX, but in XXXX and XXXX. In fact, I did log into the system before the deadline, and finished the task of the pop-up interface for personal information update. 

I then called BoA ( another team ) to ask about my XXXX and XXXX online activities. The associate ( another one ) told me that the system only keeps record up to 90 days old, so they are unable to verify whether I logged into the system in XXXX and XXXX. I told XXXX. 

XXXX then confessed that they are unable to verify whether I logged into the system before the deadline because of the 90-day limit, but she still insists that they are pretty sure I didn't log into the system before the deadline. They refused to restore my long history 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 explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of XXXX XXXX, I'm filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Transunion credit reporting agency block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of many unauthorized inquiries listed on my consumer report this request IS NOT MADE IN ERROR OF ANY KIND! PLEASE BLOCK AND DELETE THESE ACCOUNTS that will be listed in this complaint.

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 2024-12-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
Upon checking my credit report I noticed that this collection company was still trying to contact me even after two attempts with this being my second attempt to get them to corporate with stopping the harassment calls

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MD

Complaint narrative:
I requested A debt Validation including the original contract with my signature, and the purchase agreement on the collections accounts listed. I received notification from all 3 credit agencies that the debt is validated as accurate and that information was updated unrelated to my dispute. However I have not received the requested documentation to validate the debt so it must be removed. In addition as per the FCRA all information reported must be accurate, if information had to be updated it is there for not accurate and must be removed.

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 2024-12-21 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Late/Open

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 2024-12-21 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted the bureau and the representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/year> TransUnion : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/year>

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing in response to your request regarding my complaint against XXXX XXXX XXXX. Below is a summary of the actions I have taken and the ongoing issues with XXXX XXXX XXXX  handling of my personal information and credit reporting. 

Timeline of Events and Actions Taken : Debt Validation Letter ( XX/XX/XXXX ) : On XX/XX/XXXX, I sent XXXX XXXX XXXX a Debt Validation letter requesting validation of the alleged debt they are attempting to collect. This is my right under the Fair Debt Collection Practices Act ( FDCPA ). The letter explicitly requested that XXXX XXXX XXXX provide verification of the debt, including the original creditor, the amount, and other relevant details. 
No response was received from XXXX XXXX XXXX within the required 30-day period. This lack of response is a violation of my rights under the FDCPA, which mandates that they must provide this validation before continuing any collection activities. 
Cease and Desist Letter ( XX/XX/XXXX ) : On XX/XX/XXXX, I sent a Cease and Desist letter to XXXX XXXX XXXX, demanding that they immediately stop accessing or reporting my personal information to credit bureaus without my consent. 
This letter also reiterated my rights under 15 U.S.C. 1681b ( Fair Credit Reporting Act ), which requires consumer consent before any third party can access or report my credit information. I have not given XXXX XXXX XXXX permission to obtain or report my personal or credit information. 
Despite this request, no response has been received from XXXX XXXX XXXX, and they continue to report inaccurate and unauthorized information on my credit report. 

Key Issues : Unauthorized Access and Reporting : XXXX XXXX XXXX has been reporting on my credit report without my consent. Under 15 U.S.C. 1681b, they are not permitted to obtain my personal information or report it to credit bureaus without my explicit permission. Their actions are not only a violation of my privacy rights but may also constitute identity theft. 
Failure to Respond : Both my Debt Validation letter and my Cease and Desist letter were sent in good faith, requesting that XXXX XXXX XXXX provide the necessary documentation and cease their unauthorized actions. However, as of today, they have failed to respond to either request, which further compounds the violation of my rights. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint and confirmation that XXXX XXXX XXXX is taking the appropriate corrective actions. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am writing in response to your request regarding my complaint against LVNV Funding LLC. Below is a summary of the actions I have taken and the ongoing issues with LVNV Funding LLCs handling of my personal information and credit reporting. 

Timeline of Events and Actions Taken : Debt Validation Letter ( XX/XX/XXXX ) : On XX/XX/XXXX, I sent LVNV Funding LLC a Debt Validation letter requesting validation of the alleged debt they are attempting to collect. This is my right under the Fair Debt Collection Practices Act ( FDCPA ). The letter explicitly requested that LVNV Funding LLC provide verification of the debt, including the original creditor, the amount, and other relevant details. 
No response was received from LVNV Funding LLC within the required 30-day period. This lack of response is a violation of my rights under the FDCPA, which mandates that they must provide this validation before continuing any collection activities. 
Cease and Desist Letter ( XX/XX/XXXX ) : On XX/XX/XXXX, I sent a Cease and Desist letter to LVNV Funding LLC, demanding that they immediately stop accessing or reporting my personal information to credit bureaus without my consent. 
This letter also reiterated my rights under 15 U.S.C. 1681b ( Fair Credit Reporting Act ), which requires consumer consent before any third party can access or report my credit information. I have not given LVNV Funding LLC permission to obtain or report my personal or credit information. 
Despite this request, no response has been received from LVNV Funding LLC, and they continue to report inaccurate and unauthorized information on my credit report. 

Key Issues : Unauthorized Access and Reporting : LVNV Funding LLC has been reporting on my credit report without my consent. Under 15 U.S.C. 1681b, they are not permitted to obtain my personal information or report it to credit bureaus without my explicit permission. Their actions are not only a violation of my privacy rights but may also constitute identity theft. 
Failure to Respond : Both my Debt Validation letter and my Cease and Desist letter were sent in good faith, requesting that LVNV Funding LLC provide the necessary documentation and cease their unauthorized actions. However, as of today, they have failed to respond to either request, which further compounds the violation of my rights. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint and confirmation that LVNV Funding LLC is taking the appropriate corrective actions. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: MA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-21 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-12-21 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
They are reporting inaccurate information on my credit report. the balance is incorrect, the past due balance is incorrect and the date opened is also incorrect. this is hurting my credit history bad. 
i would like this removed immediately please. 

Additionally, under 15 USC 1681b, a consumer report can only be accessed for purposes that are specifically authorized by law, such as credit transactions, employment, or other permissible purposes. 
I have reason to believe that my credit report was accessed inappropriately without my authorization or a legally valid purpose. 

XXXX XXXX XXXX XXXX is reporting inaccurately

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 2024-12-21 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: IL

Complaint narrative:
They are reporting inaccurate information on my credit report. the balance is incorrect, the past due balance is incorrect and the date opened is also incorrect. this is hurting my credit history bad. 
i would like this removed immediately please. 

Additionally, under 15 USC 1681b, a consumer report can only be accessed for purposes that are specifically authorized by law, such as credit transactions, employment, or other permissible purposes. 
I have reason to believe that my credit report was accessed inappropriately without my authorization or a legally valid purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: MD

Complaint narrative:
I'm disputing this account on my Experian report because I believe there is an error. According to the Federal Trade Commisions ' guidelines. I am entitled to have in correct or outdated information corrected. I have been trying to resolve this matter, but it is causing unnecessary stress on my financial well-being. I've already contacted the creditor/ collection agency to no avail, and I would like to request that Experian investigate this issue under the provisions of the Fair Credit Reporting Act ( FCRA ) to ensure my credit report is accurate.

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