vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-20 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: KY

Complaint narrative:
On XXXX I sent a dispute for two items from a specific merchant. 1 transaction was for failure to provide the service that I purchased/ Failure to provide advertised refund. The second was an unauthorized transaction from the same merchant. I provided full and adequate information in my dispute for BOA to open and process an investigation with the merchant, On XX/XX/XXXX I received a letter from BOA requesting " additional information '' concerning the case. The majority of the information requested had already been provided in my initial dispute. I sent a full response up by Fax and Postal mail on XX/XX/XXXX. 

On XXXX I received a second letter asking me to sign a form to report the charges as unauthorized and issue a new card. I returned this form on XXXX by Postal Mail. 

On XX/XX/XXXX I received a letter from BOA ( Dated XXXX ) stating that the case had been closed because additional information was not sufficient or received in a timely manner. 

I very promptly replied to BOA 's arguably burdensome inquires. I.e. BOA requested information already provided as well as mailed multiple requests that could have easily been combined into a single inquiry. Additionally BOA asked for information to be returned in a timeline not reasonable by today 's Postal Mail standards. 

I am very concerned based on this experience that customers are being denied their rights to dispute purchases intentionally and/or unintentionally by BOA. The requested response deadlines provided by BOA could not be met by the typical customer.

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 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-09-20 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: MA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX verified an account on my credit report as valid with out the proper documentation and just lie about the status of this account with a balance of {$1700.00}... 

XXXX. I contacted XXXX XXXX and they inform me they sold the account XXXX to Resurgent Acquisitions LLC and they stated clearly that this company has paid the debt in full and I don't longer own XXXX XXXX any sum of money and anything from now and forward need to be handle with Resurgent Acquisitions LLC XXXX. I contacted Resurgent Acquisitions LLC true the phone number ( XXXX ) XXXX and indeed they inform me they had bought the account XXXX from Upstart Loan and had paid the " {$1700.00} '' balance in full and now and forward I need to make any payment to Resurgent Acquisitions LLC .... 

XXXX. I requested the signed bill of this transaction, sold/bought of account XXXX from bout company and also true XXXX and ALL OF THEM HAVE FAIL TO PROVIDE ME WITH THIS DOCUMENTATION XXXX. XXXX JUST LIE ON THE VERIFICATION OF THIS ACCOUNT, THEY DONT HAVE ANY PROPER SIGNED BILL OR DOCUMENTATION FOR THE SOLD AND BOUGHT OF THIS ACCOUNT XXXX XXXX. UPSTART LOAN IS STILL REPORTING ERRONEOUS AND FALSE BALANCE ON THIS ACCOUNT .... THEY WHERE PAID ALREADY IN FULL BY Resurgent Acquisitions LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: NY

Complaint narrative:
I am writing to you in the utmost frustration and disappointment regarding an erroneous account that has been consistently reported on my credit file. I am formally disputing this account, which is clearly a result of fraudulent activity. This situation has caused significant damage to my creditworthiness, and I insist on its immediate removal from my credit report. 
Account Information : XXXX XXXX I have attached supporting documents, including affidavits and evidence, which unequivocally prove that I have been a victim of identity theft and that this account is fraudulent. This matter is of grave concern as it has adversely affected my ability to secure credit, obtain housing, and achieve financial stability. It is crucial that you take immediate action to rectify this situation. 
I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which entitles me to a fair and timely resolution of this dispute. According to the FCRA, you have a maximum of 30 days to investigate and respond to my dispute. Any failure to adhere to this timeframe will be seen as a violation of federal law.

Furthermore, I reserve my right to take legal action if this matter is not promptly and properly addressed. I will not hesitate to seek damages for the harm that has been inflicted upon my financial well-being and reputation.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
Send payment immediately via Certified Funds to : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX Attached are copies of my state ID. Warm Regards. 
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 explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I scammed by my boyfriends advice. I used Coinbase to send my money to scammer website. But Coinbase XXXX help me to recover my amount like XXXX tools. All other cryptocurrency services help their customer. My money is still looking in scammer crypto wallet but they are not helping me. My a friend got back his money because he sent his amount on XXXX. Coinbase is not customer oriented service. Worst crypto service tool in US.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: NJ

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-09-20 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I was scammed by a company sending me mail. That was addressed as final statement, student loan consolidation & payment reduction program. The name of the company was XXXX XXXX. I talked to the man on the phone on XX/XX/2023. He told me after consolidating my loans there was a payment of {$790.00} that I had to pay for that to be final. So on Monday XX/XX/2023 the {$790.00} came out. He told me my monthly payment for my student loans would be {$49.00} a month starting on XX/XX/2023. My aunt knows more about student loan so I went to talk to her about the whole situation because I wasnt quite sure about the whole situation. We found other reports of fraud against this company that people had made online and I instantly locked my bank account on the XXXX of XXXX and went in the bank the next day the XXXX thats when the report of fraud started. I got a letter last week XX/XX/XXXX and Huntington denied my fraud claim and said there wasnt enough for them to know it was fraud. But I had them make copies of the paperwork I brought in which was the first letter I got in the mail and front page of the paper work the company set me by email and wanted me to fill out and mail in to service mailing address : XXXX ( which is a real loan service company but the address that follows is not their actual address that they have listed online ) C/O XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: PA

Complaint narrative:
TrueAccord contacted me via email stating I owed on a credit debt of {$2600.00} from an account in XX/XX/2007. XXXX XXXX  was apparently the original creditor. I do not have this account on my credit history. I am not familiar with this account at all. 
I tried to dispute the account via TrueAccord website and I was forwarded to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lewis, McDonnell & Associates
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: NE

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 2023-09-20 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Contacted company multiple times because card did not work. Keep getting the run-around and am told they are doing something to fix it when in fact they are not.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am requesting removal of a really old debt that is still reporting on all three credit reporting agencies by XXXX XXXX ( XXXX ). This account has reached its statutes of limitations because it is over 7 years old. I want this account removed off all three credit reporting agencies XXXX, TransUnion, and XXXX immediately as it has been having a negative impact on my credit report and stopping me from applying for other extensions of 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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am requesting removal of a really old debt that is still reporting on all three credit reporting agencies by XXXX XXXX ( XXXX ). This account has reached its statutes of limitations because it is over 7 years old. I want this account removed off all three credit reporting agencies XXXX, XXXX, and Equifax immediately as it has been having a negative impact on my credit report and stopping me from applying for other extensions of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am requesting removal of a really old debt that is still reporting on all three credit reporting agencies by XXXX XXXX ( XXXX ). This account has reached its statutes of limitations because it is over 7 years old. I want this account removed off all three credit reporting agencies Experian, XXXX, and XXXX immediately as it has been having a negative impact on my credit report and stopping me from applying for other extensions of 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 2023-09-20 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/2023 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 explanation
Consumer complaint received 2023-09-20 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act, XXXX  Account XXXX for XXXX XXXX has violated my rights.

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 also states that a consumer reporting agency can only furnish an account with my written instructions.

I have enclosed copies of the letters I sent to the credit agencies, the credit agencies ' responses, a full copy of my credit report, and the discrepancies that the different credit agencies show on the Account.

Company response to consumer: Closed with explanation