vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX my Cash App account was hacked and all my money was transferred out of my account. On XX/XX/XXXX I contacted support and was told that the security break must be on my end suggesting that it was my fault, I then spent the day resetting every security system and password I have from my bank to my email to the app itself. Within 12 hours my account was hacked into again signaling a fault on CashApp 's part. I then called on XX/XX/XXXX and was unable to get through their system so I requested a callback. On XX/XX/XXXX I called again and asked for a response from a manager via email and I received nothing. On XX/XX/XXXX CashApp denied my fraud claim stating that I authorized the payment once again choosing to blame me. I then called again on XX/XX/XXXX and was told I would get a response again, but i received nothing again. After a 44-minute call on XX/XX/XXXX, I was finally able to get to a manager and they had technical difficulties. That manager then stated they would have their supervisor reach out to me, and that supervisor then reached out to me stating that he wasn't able to help even though the only reason I was transferred to them was because they could help. After pointing out the issues in his statement he was magically able to help me. This entire company is fraudulent and can not be trusted with people 's information, let alone their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened a credit card with Bank of America and was supposed to receive XXXX points after spending XXXX in 3 months. I noticed in XXXX that I had not received the XXXX promotional points. I contacted Bank of America at the beginning of XXXX and was told to contact XXXX  XXXX to get the promotional offer. I spent over an hour on hold only to be told that I needed to speak with Bank of America again. Bank of America promised to look into the situation and get back with me. About a week later, I contacted them again on XX/XX/year>. I spoke to customer service, then the customer service manager, XXXX, who said I needed to speak with the customer service dept in sales/promotions. The representative, XXXX, said she could not give me the points and her system would not allow me to receive the XXXX credit card charge if i canceled that card. She told me to call XXXX  XXXX again. I asked to speak with a supervisor and was told that XXXX would call me in 24 hours. 
Bank of America claims that I fell short of the XXXX amount around XXXX because I had a return. I have bank statements that show something different. I have also had problems with their billing and website.I will never do business with them again and won't use XXXX  XXXX again. 
They can keep the XXXX points and refund me the XXXX credit card charge from XX/XX/year>. I canceled the card.

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 2024-07-25 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: CA

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 non-monetary relief
Consumer complaint received 2024-07-25 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: Experian Information Solutions Inc.
State: CA

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 2024-07-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has obtained my nonpublic personal information through fraudulent means and financial identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in unlawful possession of the consumers private financial information and have used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization for the purpose of monetary gain through extortionate means. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has intentionally and knowingly omitted and distorted facts regarding consumers nonpublic financial information in exchange for monetary gain. This misuse of nonpublic financial information for a fraudulent financial action was publicized by Transunion, LLC through a consumer file. In XXXX of XXXX, consumer received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via U.S. mail service to defraud consumer which has caused consumer financial harm and brought injury to the consumer. This unauthorized publication has deprived me of right to privacy, caused significant harm resulting in financial loss, loss of opportunity, defamation of character, subsequent mental anguish, and has exposed me to the risk of further financial identity theft. Here is a list of Tennessee State statutes and United States codes that were violated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and/or Transunion, LLC Tennessee XXXX XXXX ( XXXX ), Tennessee Code XXXX ( XXXX ), ( 18 USC 894 ), 18 USC 1028A ( a ), 15 U.S. Code 6802, ( 18 USC 242 ).

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 2024-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
An Ulta Credit Card was opened XX/XX/2022. I disputed the account and was told not to worry about it. The account was sent to collection, because there was 1 payment given to the card. I explained that I did not open the account and I had never received a credit card. I was informed that the card was mailed to XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and that the email XXXX were used to open the account. I've never lived or been to XXXX, CA or have had the email stated before. The account currently owes {$4600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: AL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-07-25 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: AL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My account with XXXX, XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 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 2024-07-25 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: GA

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to follow up on my previous disputes regarding a late payment reported on my credit report for the account listed below. Despite my earlier communications and the documentation provided, the late payment remarks remain on my credit report. I would like to reiterate that it was never my intention to have a late payment, and I am kindly requesting the removal of this remark. 

I have consistently demonstrated my commitment to maintaining a positive credit history and have a strong record of on-time payments. The late payment in question was an unintentional oversight due to an unexpected financial hardship. Since then, I have taken steps to ensure that this does not happen again. 

As a responsible borrower, I understand the importance of timely payments and have always endeavored to uphold this standard. The presence of this late payment remark is not reflective of my overall payment behavior and is negatively impacting my credit score.

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 2024-07-25 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: NJ

Complaint narrative:
These inquiries was not authorized by me and I did not communicate with this under the specified date

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: VA

Complaint narrative:
They have received the affidavit listing all of the legal violations of the Fair credit report act which are {$1000.00} per violation per their laws. They at this point have chose to default and not adhere to the legal statue and codes refusing me the legal remedy Im entitled to as a consumer Section 604 ( f ) prohibits any person from obtaining a consumer report form a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that he report will not be used for any other purpose.

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 2024-07-25 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Checking my credit report a few months ago, I discovered errors regarding the account of JPMCB CARD ( XXXX ). This is violating my rights. I disputed these errors directly with the three credit bureaus and the creditor itself ; however, I only received generic responses regarding this matter. Therefore, I am filing this complaint based on my research. The company in question is violating the sections of 15 USC : 15 USC 1681 section 604 ( a ) section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information.

15 USC 1681i ( 5 ) : Failure to investigate and correct inaccurate information.

15 USC 1681s ( 602 ) ( a ) : Failure to provide clear and accurate information to consumer reporting agencies.

15 USC 1681s ( 604 ) ( a ) : Failure to permit access to all information about the consumer 's credit file. Reform Act related to accuracy and fairness in credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
An XXXXXXXX XXXX XXXX was opened XX/XX/year>. I disputed the account and was told not to worry about it. The account was sent to collection, because there was 1 payment given to the card. I explained that I did not open the account and I had never received a credit card. I was informed that the card was mailed to XXXX XXXX XXXX, XXXX, CA XXXX and that the email XXXX were used to open the account. I've never lived or been to XXXX, CA or have had the email stated before. The account currently owes {$4600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: MI

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2024-07-25 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: NY

Complaint narrative:
I disputed this with the credit bureaus XXXX XXXX and XXXX I asked them to re investigate the completeness and accuracy of my account on my credit report I got my investigation back and i noticed they didn't update or modify my 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 2024-07-25 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: SC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"

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 2024-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Automated Collection Services, Inc.
State: CA

Complaint narrative:
I have been a victim of identity theft. I did not open a new account with this medial office and a collection agency has informed me and i see this collection agency and/or medical company on my credit report that i did not open or authorize this account. XX/XX/year>2022 Someone stole my drivers license, discover card, and other cards from me. I filed a police report regarding this theft shorty after i was experiencing fraud attempts using my name.

I also suspect this was a previous employee that worked for the same company as me, I only think this because two other co workers i know are experiencing some the same situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: AZ

Complaint narrative:
While making regular payments on a hospital bill, the debt was turned over to a debt collection agency, namely UCB Inc. ( United Collection Bureau incorporated ), they only take payments by check, however the credit union I do my banking with doesn't provide checks only leaving the option for online payments via debit or directly from the account. UCB does not support linking an account number for electronic checks, and they charge a 3.5 % convenience fee for card payment processing. They make it very difficult to " convert '' a transaction to avoid incurring such extra charges and must be done each payment on a case-by_case basis. This is extremely unfair as I feel the debt should not have been turned over to them in the first place.

Company response to consumer: Closed with explanation