vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 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: FL

Complaint narrative:
I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/22 .Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention the severe discrepancies I have recently uncovered in my credit report, which have not only caused significant distress but also raised serious concerns about the accuracy and compliance of the information being reported by your agency. 

Upon conducting a thorough investigation of my credit report, I discovered numerous unverifiable, invalidated, inaccurate, and questionable items. These discrepancies not only hinder my financial well-being but also violate the standards set forth by the Fair Credit Reporting Act ( FCRA ). 

As stipulated under the Fair Credit Reporting Act, it is imperative that all information reported on my credit file is 100 % accurate. Sections 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) explicitly state that consumer reporting agencies are obliged to ensure the accuracy of the information they report. Unfortunately, it appears that these obligations have not been met in my case. 

Enclosed with this letter, you will find copies of all correspondence sent to your agency regarding these discrepancies. It is my expectation that you will promptly initiate an investigation into these matters and rectify the inaccuracies on my credit report in accordance with the FCRA. 

I understand that errors may occur, but it is crucial that your agency complies with federal regulations to ensure the fair and accurate reporting of consumer credit information. I believe that by addressing and rectifying these discrepancies, we can collectively uphold the integrity of the credit reporting system.

I kindly request that you acknowledge receipt of this letter within [ reasonable timeframe ] and provide a detailed plan of action for the investigation and resolution of the issues outlined herein. Failure to do so may compel me to pursue legal remedies available to me under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the restoration of accuracy to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: OH

Complaint narrative:
i checked my credit report in XX/XX/2023 because I am trying to purchase a house for my family and I. I wanted to surprise my children and my fianc with a new home and when i checked, I saw there was multiple fraudulent Collection accounts on my consumer reports along with several addresses that do not belong to me. I have been living at XXXX XXXX XXXX, XXXX OH Since i was in middle school and have not resided at any other address since then. The following addresses do not belong to me : XXXX XXXX XXXX, XXXX, oh XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX AZ, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX AZ, XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AZ. THE FOLLOWING FRAUDULENT COLLECTION ACCOUNTS DO NOT BELONG TO ME : XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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. 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 2024-01-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
This was all paid off many years ago through federal taxes returns. This debt is not legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Five Lakes Law Group PLLC
State: IL

Complaint narrative:
I was promised that they would take a set amount a couple times a month and that my debt would be settled with all my open accounts. They only worked on a few and the rest kept accumulating and i ended up being sued on XXXX of them to XXXX XXXX where i had to file XXXX XXXX to get things taken care of costing me even more money- they kept taking money even though i told them to stop - had to argue to get it back and then they still kept all their fees even though i asked for that back since they did not fulfill their promise. They lie and none of them are on the same page. They just kept calling and asking for more money all the time. I started paying them in XXXX of XXXX  and paid more than {$16000.00} and they only settled XXXX accounts, the rest kept charging interest and XXXX of them filed court cases and all they did was ask more for more money knowing i was giving them all i had yet they kept taking fees knowing they were destroying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I tried to open an account with XXXX XXXX last year. XXXX XXXX XXXX has an old bank account reporting and preventing me from opening any account. My card was stole and someone tried to use my account. I informed Bank of america of this in 2021 when this happened. I have disputed this incorrect information several times. This account needs to 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 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: PA

Complaint narrative:
This Discover card was open in XX/XX/XXXX I did not authorize and account to be open with Discover nor did I have knowledge that I had an opened account with this bank until I began receiving phone calls of Discover team members in XX/XX/XXXX saying how much I owe and asking when I could make a payment. I was furious to realize I have been taken advantage of and I have been put in debt. I finally checked my credit report to see there was a Discover card listed. Scared and confused on what to do until I finally ran into someone who told me to file an FTC report and a CFPB report. Along with these 2 things I have also wrote out and mailed a letter to XXXX I am just a XXXX XXXX XXXX man trying to figure out life as the days go I paid all my XXXX  loans off I am not the type of person to be in debt but here I am being taken advantage of by only God knows who. I hope this reaches someone who cares for innocent people & will put an end to all of this stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to you as a victim of identity theft and a distressed consumer who has encountered significant barriers due to the negligence and noncompliance of your organization with federal consumer protection laws. Despite my diligent efforts and the clear provisions of the Fair Credit Reporting Act ( FCRA ) Section 605B, the fraudulent accounts opened in my name have not been addressed appropriately, causing substantial harm, including the inability to secure housing for my XXXX  daughter and me. 
As previously communicated in my letters sent to your company dated XX/XX/2022, accompanied by a comprehensive identity theft report, a detailed list of the fraudulent accounts, and a signed affidavit verifying that these accounts were opened without my authorization. 

The documentation provided should have sufficed to initiate an immediate investigation and removal of these erroneous entries from my credit reports as mandated by the FCRA. 

However, it has been nearly a year since my initial report, and the lack of action from your side is not only disappointing but also in direct violation of consumer protection statutes. The persistent inaccuracy in my credit reports has unjustly tarnished my financial reputation, causing undue stress, barriers to essential services such as housing, and jeopardizing the well-being of my family. 
Therefore, I demand the following actions be taken immediately : 1. Investigation and Removal of Fraudulent Accounts : Conduct a thorough investigation into all disputed accounts and remove any fraudulent or inaccurately reported information from my credit file promptly.

2. Confirmation of Actions Taken : Provide written confirmation of the investigation and the steps taken to rectify my credit report. This confirmation should include a detailed account of the fraudulent entries that have been removed. 
3. Consumer Law Compliance Review : Initiate an internal review of your organizations practices concerning consumer rights and the FCRA compliance to prevent such negligent incidents in the future. 

Please take this matter with the utmost seriousness it demands. The wellbeing of my family is at stake, and your immediate action is crucial in rectifying the wrongs that have been done. 
I expect a prompt response, acknowledging the receipt of this letter and outlining the steps you will take to resolve this matter urgently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I made a claim with you all so bank of America reopened my claim for the XXXX fraud after I reported it to you. Now they say they couldn't recover the funds from the bank. I called that bank the first day it was open and they hadn't received anything from Bank of America. Had they actually tried when alerted or stoped the transfer when I called the first time this could have been prevented. They failed to act in a reasonable time and now will not refund my money due to their own inaction. I want my money back and I want them held accountable for not stopping it when they had enough time and not trying to recover in enough time.

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 2024-01-23 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: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
It is entirely unjust to discover late payments on my account, considering my consistent track record of timely payments. I insist on the swift correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account reflects my history of on-time payments accurately.

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 2024-01-23 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:
I hope this letter finds you well. I am writing to bring to your attention the severe discrepancies I have recently uncovered in my credit report, which have not only caused significant distress but also raised serious concerns about the accuracy and compliance of the information being reported by your agency. 

Upon conducting a thorough investigation of my credit report, I discovered numerous unverifiable, invalidated, inaccurate, and questionable items. These discrepancies not only hinder my financial well-being but also violate the standards set forth by the Fair Credit Reporting Act ( FCRA ). 

As stipulated under the Fair Credit Reporting Act, it is imperative that all information reported on my credit file is 100 % accurate. Sections 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) explicitly state that consumer reporting agencies are obliged to ensure the accuracy of the information they report. Unfortunately, it appears that these obligations have not been met in my case. 

Enclosed with this letter, you will find copies of all correspondence sent to your agency regarding these discrepancies. It is my expectation that you will promptly initiate an investigation into these matters and rectify the inaccuracies on my credit report in accordance with the FCRA. 

I understand that errors may occur, but it is crucial that your agency complies with federal regulations to ensure the fair and accurate reporting of consumer credit information. I believe that by addressing and rectifying these discrepancies, we can collectively uphold the integrity of the credit reporting system. 

I kindly request that you acknowledge receipt of this letter within [ reasonable timeframe ] and provide a detailed plan of action for the investigation and resolution of the issues outlined herein. Failure to do so may compel me to pursue legal remedies available to me under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the restoration of accuracy to 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 2024-01-23 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:
I hope this letter finds you well. I am writing to bring to your attention the severe discrepancies I have recently uncovered in my credit report, which have not only caused significant distress but also raised serious concerns about the accuracy and compliance of the information being reported by your agency. 

Upon conducting a thorough investigation of my credit report, I discovered numerous unverifiable, invalidated, inaccurate, and questionable items. These discrepancies not only hinder my financial well-being but also violate the standards set forth by the Fair Credit Reporting Act ( FCRA ). 

As stipulated under the Fair Credit Reporting Act, it is imperative that all information reported on my credit file is 100 % accurate. Sections 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) explicitly state that consumer reporting agencies are obliged to ensure the accuracy of the information they report. Unfortunately, it appears that these obligations have not been met in my case. 

Enclosed with this letter, you will find copies of all correspondence sent to your agency regarding these discrepancies. It is my expectation that you will promptly initiate an investigation into these matters and rectify the inaccuracies on my credit report in accordance with the FCRA. 

I understand that errors may occur, but it is crucial that your agency complies with federal regulations to ensure the fair and accurate reporting of consumer credit information. I believe that by addressing and rectifying these discrepancies, we can collectively uphold the integrity of the credit reporting system. 

I kindly request that you acknowledge receipt of this letter within [ reasonable timeframe ] and provide a detailed plan of action for the investigation and resolution of the issues outlined herein. Failure to do so may compel me to pursue legal remedies available to me under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the restoration of accuracy to 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 2024-01-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Issuer is Synchrony Financial. 

My account was charged an outrageous late fee for a payment that was one day late. I paid for the purchases in full on XX/XX/2023 and closed the account over their automated system since it is near impossible to get a live agent. They continue to add late fees on top of their late fees. Issuer is Synchrony Financial. Balance is XXXX now for the late fees and interest on late fees.

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I request the removal of this account from my credit report as it has been over 7 years. The date on my credit report is inaccurate, and it states XXXX as the year. The charges were a result of the natural disaster Harvey, which affected me and forced me out of my home during the period when the charges were made. ( {$750.00} Despite my attempts to explain the situation to the company in XXXX, they continued to charge me without understanding. I can provide documents as proof that I was affected by XXXX at the time. The account is set to be removed from my credit report next year XXXX, however, it should be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: WI

Complaint narrative:
I submitted a complaint through the consumer financial protection bureau on XX/XX/2023. Because TransUnion credit reporting agency is reporting a derogatory account on my consumer report inaccurately and incomplete. My complaint number is XXXX to the report I filed previously with their agency along with my supporting documentation. Showing the following errors listed under this account on my consumer 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 2024-01-23 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: PNC Bank N.A.
State: IL

Complaint narrative:
PNC charged my account XXXX without.my authorization or prior notification in the attempt to collect debt. 
My cresit account is 120 days past due and they tried the sneaky way of taking money out of my checking account without notifying me or asking for my permission.

Company response to consumer: Closed with explanation