vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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: NV

Complaint narrative:
1. Claim Number : XXXX Transaction Date : XX/XX/2024 Reference Number : XXXX Original Transaction Amount : {$180.00} Disputed Amount : {$130.00} I placed an order consisting of four clothing items, of which I kept one ( Ref : XXXX ) and returned the remaining XXXX using XXXX prepaid return label. Despite my providing tracking confirmation that XXXX warehouse received the return package, they have refused to issue a refund of {$130.00}, claiming the items were not received. 

2. Claim Number : XXXX Transaction Date : XX/XX/2024 Reference Number : XXXX Original Transaction Amount : {$460.00} Disputed Amount : {$380.00} This order included eleven clothing items, of which I kept two ( Refs : XXXX and XXXX ) valued at {$77.00} after tax. I returned the remaining XXXX items using XXXX prepaid return label. Despite tracking confirmation that XXXX warehouse received the package, they have declined to refund {$380.00} for the returned items, asserting the items were not received. 

I have been contacting Bank of America regarding these two disputes for five months, repeatedly calling customer service and the dispute team to address the issue. I have reopened my cases three times and provided all requested documentation and evidence, including order breakdowns clearly identifying the returned items, tracking receipts confirming the return packages were delivered to XXXX warehouse, and correspondence with XXXX customer service. These documents were submitted by uploading them through the online portal and sending physical copies via mail. Despite these efforts, the matter remains unresolved, and I have not received my refund.

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 2024-12-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On XX/XX/year> approximately XXXXXXXX XXXX. I put in a call to Synchrony in regards to a late fee on my credit card account. I informed the employee that I had a {$40.00} late fee on my bill and according to the CFPB late fees are no longer supposed to be more than {$8.00} as of XXXX of 2024. She placed me on a brief hold to look into it and came back to tell me that my late fee would be {$40.00}. I said alright, I will just report you all to the CFPB.

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 2024-12-02 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: IL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: IL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2024-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DailyPay, Inc
State: AR

Complaint narrative:
My employer XXXX XXXX  sent a pay check of mine to daily pay which was not authorized by me. Upon finding out I didn't get paid they said I must deal with daily pay. Upon contacting daily pay they are claiming that I made requests for money early on XX/XX/XXXX and on XX/XX/XXXX and I did not make those requests then on approximately XX/XX/XXXX daily pay deposited the remainder of the funds into Old account information that they had. I have not used daily pay for any type of payment since XXXX of XXXX the account should have been inactive. I received my previous paycheck from XXXX correctly I am not sure why they sent that to daily pay and when I contact daily pay they are wanting the old information that I no longer have access to when I have finally gotten somebody to move forward they tell me I just must wait they're not understanding it daily pay why I am trying to get this money when I asked to speak to an American representative they tell me that they can not do that when I have asked to speak to somebody who speaks better English because I feel like things are Lost in translation they refuse they just keep telling me I've gotten the money and I need to wait but the fact of the matter is I have not gotten any money I have not been paid. My employer at XXXX XXXX XXXX says there's nothing that they can do about it. They did not change my direct deposit information back to what I gave them when I started employment in XXXX of XXXX to the correct information until today and now they're telling me that they were able to delete the daily pay account I had with them on their end. I'm not sure why they didn't do that originally when I began working for them again in XXXX of this year and they went ahead and sent my check to daily pay which is a part of XXXX XXXXXXXX XXXX. Now I am in a limbo of not having that money from my employer due to daily pays lack of communication or my inability to speak to someone they had requested a paycheck stub for the check in question and a copy of my driver 's license I gave that to them on XX/XX/XXXX via email and I just keep being told I have to wait, the only response I'm getting from them is I will be contacted by them eventually when I first started this process two weeks ago on XX/XX/XXXX I was told that this would be resolved in one two three business days and nothing has been resolved yet. Daily pay has been unwilling to help there's been no communication because they do not speak XXXX well enough for us to communicate what the actual problem is and my employer came back is not willing to do anything to bridge that Gap with this third party entity that they advertise for their employees to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: CO

Complaint narrative:
To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED MANDATED UNDER THE FCRA IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE IMMEDIATELY SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE ( XXXXXXXX XXXX  XXXX ) ( XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the payment history. I have asked to have them updated to paid as agreed, paid on time, never late in the payment history. THIS IS A VIOLATION OF THE FCRA. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL UPDATE EACH DATE FOR EACH ACCOUNT IN THE PAYMENT HISTORY TO PAID AS AGREED, PAID ON TIME, NEVER LATE. YOU HAVE 15 DAYS TO UPDATE THESE ACCOUNTS OR I WILL BE IMMEDIATELY SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. UPDATE TO PAID AS AGREED, PAID ON TIME, NEVER LATE. ( DEPT OF ED ) ( DEPT OF ED )

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 2024-12-02 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 having issues with the credit bureaus lack of investigation and failure to respond in 30 days. I contacted them due to errors on my reports that I noticed while looking to apply for a car for my son. I noticed several inaccuracies and reporting that needed to be corrected or deleted. I have provided them with more than enough of my personal information and documentation for them to validate my concern. I also contacted the creditors and they have not conducted an investigation either. I recently filed complaints with the XXXX  and FTC and will continue to shine light on their lack of attention to detail and treating consumers concerns like we don't matter. It is urgent that this gets resolved as soon as possible.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Self Financial Inc.
State: CA

Complaint narrative:
I closed my secure credit card on XX/XX/XXXX it was paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: MD

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: FL

Complaint narrative:
I am writing to formally dispute the reporting of the XXXX XXXX account ( ending in XXXX ) on my credit report. After carefully reviewing this entry, I have identified several inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in credit reporting. 
Issues with the XXXX XXXX Account Reporting 1. Dual Classification of Charge-Off and Collection : o The account alternates between being listed as a " Charge-Off ( CO ) '' and a " Collection ( COL ) '' in the payment history. 
o These statuses are mutually exclusive. An account can not simultaneously be a charge-off and a collection. This inconsistency creates confusion and misrepresents the true status of the account. 
2. Balance Discrepancy : o The original balance is reported as {$1800.00}, but the current balance is {$2000.00}, with no explanation provided for the additional {$200.00}. 
o I request a breakdown of this balance, including any fees, penalties, or interest, and clarification of whether these additions are authorized by the original credit agreement. 
3. Missing Data in Payment History : o Several months in the payment history are marked as " ND '' ( No Data ), making it impossible to verify the accuracy of the account 's progression. 
o Example : XX/XX/year> and other months lack complete payment data. 
4. Charge-Off and Past Due Amount Discrepancy : o The account is reported as having a charge-off amount of {$610.00}, but the past-due balance is listed as {$2000.00}. 
o There is no clear reconciliation of these figures, raising questions about their accuracy. 
5. Failure to Resolve Prior Dispute : o The comment section states : " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' o Despite this acknowledgment, the inaccuracies outlined above remain unresolved, and no documentation or clarification has been provided to substantiate the reported information.

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 2024-12-02 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: FL

Complaint narrative:
When I went to check my profile I came across some inquiries that were not mine.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-02 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: NJ

Complaint narrative:
Dear CFPB Team, I am writing to seek assistance with a tax reporting matter involving these charged-off accounts ( XXXXXXXX XXXX XXXX  XXXX XXXX ( XXXX  XXXX XXXX ) ( XXXX XXXX ) ( XXXX  XXXX XXXX ) ( XXXX XXXX - XXXX ) for which I have not received a Form 1099-C. This form is necessary to properly notify the Internal Revenue Service ( IRS ) about the cancellation of debt, as required by federal tax law. The account in question was charged off by XXXX XXXX XXXX  on approximately XX/XX/year>, XXXX  XXXX XX/XX/year>, XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/year> ; XXXX XX/XX/year> ; I have made multiple attempts to contact the creditor and request the Form 1099-C, which is required for accurate tax reporting. However, to date, they have not provided the form, nor have they indicated when it might be issued. As a taxpayer, I am committed to fulfilling all reporting requirements accurately and timely. The lack of Form 1099-C, however, has created uncertainty regarding my tax obligations for the period in question. I am concerned about potential IRS penalties or issues that may arise due to the absence of this documentation. I would appreciate any assistance the CFPB can provide in helping to resolve this matter. If necessary, please feel free to contact me at the information provided above for any additional details. Thank you very much for your attention to this issue. 15 USC 1681 15 USC 1681 s 602 15 USC 1666B ; 15USC 1681b ( 2 ) Never gave written consent to have them reported. Civil Liability for willful noncompliance.

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