vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
The XXXX credit Bureau is reporting XXXX different credit scores on my accounts. This is due to misinformation of the XXXX credit Bureau. 

Absolute Resolutions has threaten to sue me twice. We went to court and the judge dismissed the case, yet they are still calling me. 

All other accounts have been paid but still reflecting negative. 
All of my XXXX  loans were forgiven but XXXX credit bureaus reporting it negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I DO NOT RECOGNIZE THESE ACCOUNTS. NEVER USED THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: United PanAm Financial Corp.
State: MA

Complaint narrative:
I DO NOT RECOGNIZE THESE ACCOUNTS. NEVER USED THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: MS

Complaint narrative:
Equifax reported inaccurate inquiry XXXX XXXX XXXX XXXX XXXX according to 
15 U.S. Code  1681 credit agency must remove verified inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block 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 a a person XXXX XXXX XXXX XXXX  opened XXXX XXXX under account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX XXXX account number ( private ), a credit card opened at XXXX XXXX XXXX XXXX account number ( private ), an inquiry from XXXX XXXX, another inquiry from XXXX to XXXX i demand all fraudulent accounts be removed immediately from all 3 of my consumer credit reports pursuant to my rights within the FCRA FDCA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent Items. I do not recoanize the atorementioned accounts. collections. or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the atorementioned accounts. collections. and hard inquiries are the result of identitv theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX for unauthorized and inaccurate reporting on my credit report. Specifically, a charge-off amount of {$4900.00} was reported by XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, which is not only erroneous but also violates several federal laws designed to protect consumer rights. Violations of the Fair Credit Reporting Act and Related Regulations 1. Violation of 15 U.S. Code 1681c-2 : As a victim of identity theft, I have informed the credit bureaus of this issue and requested the removal of the fraudulent information. According to this statute, a consumer reporting agency is required to block the reporting of any information resulting from identity theft no later than 4 business days after receiving such notification. It has now been 30 days since my notification, and this information remains on my report. This delay is a direct violation of my rights under this provision. I demand that these items be deleted from my credit report IMMEDIATELY. 2. Violation of 15 U.S.C. 1681a ( 2 ) ( A ) ( 1 ) : This statute specifies that no income, transactions, or experiences should be reported on consumer credit reports. The entry by XXXX XXXX includes information related to income and transactions that are unauthorized and not permissible under the FCRA. 3. Violation of 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : Under this section, a consumer report may only be furnished under certain specific circumstances, such as in accordance with the written instructions of the consumer. I have never provided written consent to any consumer reporting agency to report the information in question. Reporting without my consent constitutes identity theft and a violation of my rights as a federally protected consumer. 4. Violation of 15 U.S. Code 1602 ( p ) : This provision defines the terms related to credit and associated transactions. The reporting of a charge-off amount does not meet the criteria for reportable information under this statute, and therefore, it should not be included in my consumer credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: LA

Complaint narrative:
Heres a statement detailing how the account with XXXX XXXX XXXX violates specific codes : -- - The account with XXXX XXXX XXXX ( number XXXX ) violates several key regulations : 1. **15 USC 1666b ( Fair Credit Billing Act ) ** : The account, despite being paid and closed, shows a written-off balance of {$5000.00}. This suggests potential inaccuracies in billing records or settlement terms that have not been properly addressed or corrected. 

2. **15 USC 1681 ( Fair Credit Reporting Act ) ** : The reporting of this account as " written off '' could be misleading or inaccurate, impacting my credit report unfairly. The law requires that all information reported to credit bureaus be accurate and up-to-date.

3. **15 USC 1681b ( Permissible Purposes of Consumer Reports ) ** : The continued reporting of this account as written off, despite its paid and closed status, may constitute misuse of credit information. This misreporting could adversely affect my creditworthiness beyond the permissible scope.

4. **15 USC 1601 ( Truth in Lending Act ) ** : The terms and conditions related to the accounts payoff and write-off should have been clearly communicated and accurately reflected. The discrepancies suggest potential violations in providing clear and truthful information about the loan 's terms. 

Given these violations, I request that all negative information related to this account be removed from my credit reports and that any inaccuracies be corrected immediately.Here is a statement addressing how the account, despite being paid, is impacting your ability to obtain a new vehicle and causing discrimination : -- - Although the account with XXXX XXXX XXXX ( number XXXX ) was paid and closed, the continued reporting of a {$5000.00} written-off balance is significantly hindering my ability to secure a new vehicle. This inaccurate reporting is damaging my credit report, resulting in higher interest rates and loan rejections. 

The negative impact of this account is not only affecting my financial stability but is also contributing to a discriminatory situation. As the primary caregiver for my XXXX son, reliable transportation is essential for his medical appointments and daily needs. The incorrect and damaging information on my credit report is preventing me from obtaining the necessary vehicle, which is crucial for managing his care effectively. 

This situation constitutes a severe hardship and discrimination, as the inaccurate reporting of this paid-off account is unjustly obstructing my ability to provide for my family. I urge immediate action to rectify this issue by removing the negative information from my credit reports and ensuring accurate reporting to prevent further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: LA

Complaint narrative:
Heres a statement detailing how the account with XXXX XXXX XXXX violates specific codes : -- - The account with XXXX XXXX XXXX ( number XXXX ) violates several key regulations : 1. **15 USC 1666b ( Fair Credit Billing Act ) ** : The account, despite being paid and closed, shows a written-off balance of {$5000.00}. This suggests potential inaccuracies in billing records or settlement terms that have not been properly addressed or corrected. 

2. **15 USC 1681 ( Fair Credit Reporting Act ) ** : The reporting of this account as " written off '' could be misleading or inaccurate, impacting my credit report unfairly. The law requires that all information reported to credit bureaus be accurate and up-to-date. 

3. **15 USC 1681b ( Permissible Purposes of Consumer Reports ) ** : The continued reporting of this account as written off, despite its paid and closed status, may constitute misuse of credit information. This misreporting could adversely affect my creditworthiness beyond the permissible scope. 

4. **15 USC 1601 ( Truth in Lending Act ) ** : The terms and conditions related to the accounts payoff and write-off should have been clearly communicated and accurately reflected. The discrepancies suggest potential violations in providing clear and truthful information about the loan 's terms. 

Given these violations, I request that all negative information related to this account be removed from my credit reports and that any inaccuracies be corrected immediately.Here is a statement addressing how the account, despite being paid, is impacting your ability to obtain a new vehicle and causing discrimination : -- - Although the account with XXXX XXXX XXXX ( number XXXX ) was paid and closed, the continued reporting of a {$5000.00} written-off balance is significantly hindering my ability to secure a new vehicle. This inaccurate reporting is damaging my credit report, resulting in higher interest rates and loan rejections. 

The negative impact of this account is not only affecting my financial stability but is also contributing to a discriminatory situation. As the primary caregiver for my XXXX son, reliable transportation is essential for his XXXX  appointments and daily needs. The incorrect and damaging information on my credit report is preventing me from obtaining the necessary vehicle, which is crucial for managing his care effectively. 

This situation constitutes a severe hardship and discrimination, as the inaccurate reporting of this paid-off account is unjustly obstructing my ability to provide for my family. I urge immediate action to rectify this issue by removing the negative information from my credit reports and ensuring accurate reporting to prevent further harm.

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 2024-09-14 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: U.S. BANCORP
State: PA

Complaint narrative:
On XX/XX/XXXX I signed up for the US Bank XXXX XXXX XXXX XXXX, which advertised a signup promotion promising " XXXX bonus pts ( worth {$500.00} ) '' if I spend {$2000.00}. On XX/XX/XXXX I met the spend threshold and the XXXX bonus pts went into pending status. On XXXX, US Bank ( USB ) changed the terms of the product and pts redeemed for cash back or statement credits were devalued from {$0.00} to {$0.00}. This means that the {$500.00} bonus promised to me would now only be {$400.00}. I contacted USB regarding the issues on at least 7 occasions between XXXX and XXXX. On the calls prior to XXXX USB reps repeatedly argued with me and denied that pts were being devalued. Tickets were submitted 2 times with promises that I would be contacted by the department that handles these issues. The first two tickets were resolved without anyone contacting me. When I contacted USB again, I was told the tickets had been resolved with a note that I would receive the XXXX XXXX. That was never the issue. On XX/XX/XXXX I spoke to XXXX, a supervisor. She understood the issue and, on a recorded line, stated that she would immediately be issuing me XXXX pts, which are worth {$100.00}. I thought the issue was fully resolved at that time. However, when I logged into my account I discovered that she only issued XXXX pts leaving me XXXX ( {$80.00} ) short of the amount owed to me. I contacted USB again on XX/XX/XXXX and was told reps could only issue XXXX pts at a time. The rep refused to issue me any points and a 3rd ticket was created. I called again on XX/XX/XXXX. This time I was told reps could issue XXXX pts " per issue. '' I reiterated that I was promised XXXX pts ( again, on a recorded line ) and again, but the rep stated that she didn't care and refused to do anything further to assist me. I have multiple screenshots showing the I was promised " XXXX bonus pts ( worth {$500.00} ) '' not only at the time of signup but even today, XX/XX/XXXX. In other words, USB is STILL advertising a cash back value of {$0.00} despite the fact that actual redemption has been reduced to {$0.00}. This holds true for new signups as well. I simply want the {$500.00} cash back bonus I am owed. After the XXXX pt adjustment, I now have XXXX pts worth {$420.00}. I am still owed XXXX pts worth {$80.00} ( or simply an {$80.00} 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 non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I received a text message from Bank of America on XX/XX/year> at XXXX PST that reported a charge was created on my credit card amounting in {$480.00} for XXXX  XXXX XXXX I did not recognize the transaction and immediately called Bank of America 's fraud department. They sent me a new credit card and I believed everything was resolved. Unfortunately, they messaged me that they would not approve my claim on XX/XX/year>. I resubmitted the claim again as someone on Bank of America 's customer service told me I could submit evidence. However, I was unable to submit my evidence as Bank of America never asked for evidence and there is no way to submit evidence without a prompt from Bank of America. They once again denied my claim on XX/XX/year> without doing a thorough job evaluating my claim. 

During all of this, I had been in contact with the vendor as well as XXXX. The vendor was unhelpful and basically told me the item had been shipped and they could do nothing and that I should just return the item once I received it. However, I never even received the item that was fraudulently purchased. I contacted XXXX to let them know their proof of delivery was falsified as my name was incorrect on the document and that my home security system did not detect a delivery truck on the supposed date/time of delivery. XXXX told me to contact the vendor, who told me to contact Bank of America and do a chargeback. 

Out of options, I filed a chargeback against the transaction as I technically did not receive the item. My original attempt as charging it correctly as fraud was denied by Bank of America. I filed a new claim on XX/XX/year> for not receiving the item. I finally received a message from Bank of America on XX/XX/year> asking for copies of evidence. I drafted a letter and included screenshots from my emails with XXXX XXXX XXXX my correspondence with XXXX, captures from my home security footage, a police report, and my complaint against XXXXXXXX XXXX XXXX on the XXXX XXXX XXXX. I did not receive any communication with Bank of America until XX/XX/year> when they asked for the same documents again. I am quite frustrated as I had already included all the documents and 1.5 months had passed without any action. It has been over 3 months since my first initial fraud claim and the charge is still on my credit card statement.

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am unable to request for my free reports online and unfreeze/freeze my credit myself. I will always get the need to contact customer service screen and it takes hours to get connected and the automated answering machine does not recognize me. It should not be such a barrier to get my own data. 

I attempted this XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/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 explanation
Consumer complaint received 2024-09-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
15 USC 1681i : Procedure in case of disputed accuracy PLEASE SEE ATTACHED DOCUMENTS I SENT OVER EVERYTHING XXXX to XXXX WHY ARE THEY USING MY CONSUMER REPORT HOW EVER THEY WANT THE DELETE AND ADDIND ITEMS BACK TO MY REPORT STRESSING ME OUT WITHOUT MY CONSENT CAPITAL ONE HAVE NOT ONCE CALLED OR CONTACTED ME ABOUT THIS FALSE CREDIT CARD INFO I WILL LIKE EVERYTHING PERMANENTLY REMOVED FROM MY REPORT THATS HURTING MY CONSUMER REPORT IF NOT I WILL TAKE LEGAL ACTION ii ) Notice to creditors If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency YOU NEVER CONTACTED ME 5 days prior to any thing A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: MS

Complaint narrative:
I am writing to formally submit a complaint regarding the mishandling of my personal information during the XXXX data breach that occurred in XXXX. My name is XXXX XXXX, and my personal data was compromised as a result of this incident, which has caused me significant distress and concern regarding the security of my financial information. 

Despite being notified of the breach, I feel that XXXX has not done enough to protect my information or to provide adequate support to those affected. I took the necessary steps to protect myself by enrolling in credit monitoring services offered by XXXX, but I remain concerned about the potential long-term impacts on my credit and identity security. 

Furthermore, I believe that the measures offered by XXXX following the breach, including the free credit monitoring and identity theft protection, are insufficient compared to the severity of the incident. As a consumer, I expect stronger accountability and more proactive measures from credit reporting agencies to safeguard personal information and assist those affected by such breaches. 

I urge the CFPB to investigate this matter thoroughly and to hold XXXX accountable for its failure to protect consumers ' sensitive data. Additionally, I recommend that the CFPB advocate for stronger regulations to ensure that credit reporting agencies are required to take more rigorous precautions to prevent future breaches and to provide adequate support to affected individuals.

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: FL

Complaint narrative:
My credit report indicated that my personal information was exposed in the breach. Reference to 15Usc 681 under the FCRA to support. Fair Credit Reporting ACT 15 USC 1681 The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 5 USC 1681. These companies have violated my rights. 
Account name : # 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 I looked at my all three bureau credit report on Date : XXXX XXXX And noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information found the inaccurate or unverifiable information disputed by a consumer, an item of the information is found to be inaccurate.

Company response to consumer: Closed with explanation