vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. According to the fair credit reporting act 15 USC 1681 whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning an individual. 

I sent a letter asking them to reinvestigate these accounts listed below because, XXXX XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 

XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 
XXXX XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 
XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 

XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 
Can you please review these accounts for any inaccuracies across the 3 bureaus i would like these accounts removed for false information immediately. Please send proof of the reinvestigation of these accounts because the information provided show several different dates and account balances According to15 U.S.C 1666B The timing of payments creditors 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act XXXX XXXX XXXX whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning an individual. 

I sent a letter asking them to reinvestigate these accounts listed below because, XXXX XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 

XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 
XXXX XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 
XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 

XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 
Can you please review these accounts for any inaccuracies across the 3 bureaus i would like these accounts removed for false information immediately. Please send proof of the reinvestigation of these accounts because the information provided show several different dates and account balances According to15 U.S.C 1666B The timing of payments creditors 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.

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 2024-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Written letters was mailed to the company in XXXX of XXXX Regarding fraudulent account. I am a victim of identity theft and have a police report and identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Dear [ I hope this message finds you well. I am writing to you as a client of XXXX XXXX to express my concern regarding an outstanding matter that to date has not been resolved. 

The reason for my communication is regarding a purchase made through my bank account. My wife and I acquired a membership for a value of {$28000.00} dollars, however it was paid with two transactions, one with my card with the amount of {$13000.00} and another with my XXXX XXXX card with the amount of {$11000.00}, we have faced difficulties in the process As a result of this nonsense, by not receiving the services we acquired and trying to cancel it with the XXXX XXXX and not receiving a response, we went to the bank and after our multiple attempts to resolve the problem to date we have not obtained a satisfactory solution. 

We have provided all the information required by the bank regarding the purchase, as well as any additional documentation that has been requested of us. Despite this, the refund of the transaction has not been processed As the issue persists without resolution, we turn to you for assistance and support. We trust in your institution 's ability and professionalism to address this situation in a timely and efficient manner. We request your immediate intervention so that we can obtain a full refund of the {$13000.00} corresponding to this transaction. 

We thank you in advance for your attention to this matter and look forward to a prompt response from your team. We remain available to provide any additional information necessary to resolve this issue. 

We look forward to your prompt action and appreciate your collaboration in the prompt resolution of this inconvenience. 

Sincerely,

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 2024-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Re : My Disputed Case ID XXXX I am a retired XXXX XXXXr ( XXXX XXXX XXXX ) who is frustrated by being defrauded {$600.00} by a scarcely stocked convenience storeand by not being protected by my card issuer, Citibank. Here 's what happened... 
On my trip from XXXX to XXXX on XX/XX/year>, I went inside a convenience store, XXXX XXXX XXXXXXXX in XXXX, GA, to pre-pay {$40.00} with my Citicard to fill my XXXX with gasoline. After processing my Citicard, the merchant informed me that he was unable to give me a receipt because his register was out of receipt paper. Thinking nothing of it, I went out & pumped {$40.00} of gas into my car and drove off. 
Several weeks later I received my Citicard statement with a charge of {$640.00}. When I immediately protested the overcharge to Citicard, they advised me to contact the merchant. Phoning the store XXXX, he angrily refused to give me his name ( he sounded XXXX ) and he informed me that he had no transaction receipt to give me describing the charge. On another attempted phone connection, his clerk said, XXXX is worth {$640.00} in this store. 
Also, XXXX decision to deny my {$600.00} overcharge was based on a major error. Citicard reported back incorrectly that the reason for the dispute was XXXX XXXX. This is absolutely false because no goods were involved, except {$40.00} in pumped gasoline. There was nothing else to return. I bought {$40.00} in gas and was improperly billed {$640.00}. This is absolutely absurd and an obvious case of fraudulent billing by taking advantage of an old man who likely would not be checking his bill carefully.. 
Because I had no written receipt or any paperwork to support my case, after months of dickering with multiple Citicard departments, my disputed overcharge of {$600.00} has been denied on XXXX different efforts. I am shocked that Citicard has refused to protect me as a cardholder. I am left to protest this decision. My XXXX ID is XXXX. 
Sincerely,

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened a credit card with a 0 % interest promotional offer. The offer ended in XX/XX/2024. My statement ending in XXXX still shows the 0 % offer. I paid off the balance before the statement closing on XX/XX/XXXX but capital one still charged me {$26.00}. I spoke with a representative a little over a week ago and they assured me that this was an error and that I would be refunded but it did not happen. I just called capital one back to inquire about the refund and they informed me that they would not be able to refund the charge. I believe this charge is inaccurate and does not reflect what was advertised. I also requested information with regard to the promotion and the representative denied me the request. Please rectify this issue. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/year> I I deposited a check using the Bank of America mobile app from a client I was about to do freelance work for. 

On the XXXX the bank returned the check which was fine and then locked my account. Upon going to a branch and verifying my information. While on the phone at there branch BOFA informed me that they would " still '' be shutting down the account and that it was my fault for not finding out that it was fraudulent prior. 

I've had this account for almost 10 years with not fraud transactions mind you. Now that the account is closed I have no means of making further deposits and they refused to help change over my info, essentially if I try to open a new account they may well deny me that as well 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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I been having trouble getting this XXXX invalidated and inaccurate information removed from my credit report. I keep getting disregarded by this credit bureau.

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 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I been having trouble getting this both invalidated and inaccurate information removed from my credit report. I keep getting disregarded by this credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: IN

Complaint narrative:
XX/XX/2024 I sent a letter to the United States Bankruptcy XXXX XXXX XXXX XXXX Indiana inquiring was it their method of reporting bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-04-17 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: IN

Complaint narrative:
XX/XX/2024 I sent a letter to the United States Bankruptcy XXXX XXXX XXXX XXXX Indiana inquiring was it their method of reporting bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-17 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: TX

Complaint narrative:
I am writing to follow up on my previous dispute regarding the negative accounts that persist on my credit report. It is alarming to see that despite my clear statement that these items are incorrect and unverified, it continues to be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: TX

Complaint narrative:
I am writing to follow up on my previous dispute regarding the negative accounts that persist on my credit report. It is alarming to see that despite my clear statement that these items are incorrect and unverified, it continues to be reported.

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 2024-04-17 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: KS

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the XXXX I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: TX

Complaint narrative:
XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX # XXXX XXXX ga XXXX {$540.00} I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was show to me.

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 2024-04-17 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: TX

Complaint narrative:
I am writing to follow up on my previous dispute regarding the negative accounts that persist on my credit report. It is alarming to see that despite my clear statement that these items are incorrect and unverified, it continues to be reported.

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