vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-06 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello, so i have purchased XXXX  from XXXX XXXX XXXX XXXX separate transactions amounts are {$22000.00}, {$22000.00}, {$18000.00} i will attach the letters from American Express, this purchase was for my business it was XXXX XXXX, i ordered the XXXX XXXX and i paid in advance i also have communication letter with the company that i made purchase from, when the time was to be delivered the company contacted me telling me that they have issues with there merchant and bank account and they are not able to refund the money or send me the XXXX XXXX and they recommended me to call my credit card issuer and dispute the transactions, so i had no choice but to dispute it, so i called American Express and explained them what happen and they opened the dispute claim and i already paid off the balance i had with them so they issued me a temporarily credit and after investigation they denied my claim saying that based our review, we believe no goods and/or services were purchased or exchanged in this transaction Hence, we are closing the dispute case. And they have also closed my American Express Business Credit Card. 

I will attach the bank letter and also communication letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-06 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, Account name XXXX XXXX XXXX, Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2024-08-06 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: KS

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I started a BOA XXXX signature account in XX/XX/year> and made some purchased my very first month. I made my first monthly payment of {$35.00} on XX/XX/XXXX and around the same time called BOA to setup an auto payment. I was told by the rep that this would be done. Months later I received a phone call asking to verify my identity and account information, I was suspicious of who was calling and and told them to write to me. Around XXXX of XXXX I find out that BOA has reported my late. When I called BOA to find out what was going on, the rep on the phone told me that payments were over due and auto pay had not been setup. The rep also acknowledged that I was " misled '' by the prior rep into believing that auto pay would be setup, whereas in actuality BOA can not setup auto pays on the phone. The rep also said that because this was BOA 's error, the rep would put in a request to BOA 's internal depts to remove the late payments. Unfortunately some time later, BOA responded back and said I was the person at fault and the late would not be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: ND

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Goal Structured Solutions, LLC
State: AZ

Complaint narrative:
Launch Servicing, LLC sent a delinquent notice of my XXXX XXXX XXXX. 
The payments are deducted autodebit on the first of every month and I confirmed on my bank statement the payment was made XX/XX/2024. 
Launch Servicing, LLC does not answer their phone or return messages. 
XXXX entered bankruptcy and XXXX communication has been provided to consumers regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: FL

Complaint narrative:
Why are these fraudulent accounts coming back as verified? I would like to hear answers soon as possible. 
Not only is my score low but it is not working out well for me

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 2024-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Novo Platform Inc.
State: TN

Complaint narrative:
In XXXX XXXX XXXX I noticed funds disappearing from my business checking account. I notified XXXX XXXX XXXXXXXX of the fraudulent activity and was told they would look into it. Apparently, that never happened. Follow-up calls were just a run around, so I started trying to contact Novo myself XXXX 
Whether email or by phone, we have to have an account number to get started. " they would send a code to " my '' phone. Well, they don't have my phone # because I have never had an account with them. 
I received an email from Novo today ( XXXX ) about collections for my {$25000.00} owed! I replied ( see page 15 ) that I can't call them because I don't have an account #. I also mentioned that because I can't communicate with them that I need to go through the FTC. Strangely the email from Novo went away! 

I have NEVER had an account with Novo! 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I received a summons to court by Cavalry SPV I LLC who made claim to {$6500.00}. XXXX and that they were assigned by XXXX for a this amount. I called Cavalry to try and dispute this allegation because I needed more information and prove because I am told I can request XXXX statements and see all communication made with XXXX on them retaining this information. However I was told on the phone my case with them had been sold to XXXX XXXX XXXX who is another debt collector agency and now the amount is {$6600.00}. Each time its a different person and not the initial person on the summons. This is a motion for no standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax has managed and operated my credit report with negligence since XX/XX/XXXX. Despite my repeated submissions of documentation to facilitate the release and accessibility of my credit report, I have encountered persistent challenges. I have been informed on numerous occasions that the necessary information was received and corrected, and that I would encounter no difficulties in obtaining or accessing my report ; however, this has not been the case. 

On XX/XX/XXXX, I sent comprehensive proof and documentation via certified U.S. mail, which included copies of my birth certificate, valid U.S. passport, employment W-2, state-issued driver 's license, marriage certificate, and bank statements. This was done with the intention of updating my account information to enable access to my credit report. I was assured that these updates had been processed, yet, as of today, XX/XX/XXXX, I still do not have access to my report. Consequently, my mortgage company is unable to obtain the necessary information to complete the closing of my home sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: LA

Complaint narrative:
I contact my insurance company I have a letter from my insurance XXXX part a and b and XXXX I'm sending a picture of the letter I received from my insurance company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: GA

Complaint narrative:
I am writing to follow up on unresolved discrepancies within my credit report. Despite previous communications and a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), these issues remain unaddressed. Immediate attention to these inaccuracies is required as they are causing significant distress and potential financial 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 non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Check Fraud I sent in a check in the amount of {$2400.00} to the XXXX XXXX XXXX XXXX to pay my building 's quarterly property tax. This was sent by USPS and I directly handed the letter to the person at the local post office. I mailed this on XX/XX/year>. Later on in XXXX I got a bill statement from XXXX XXXX. of XXXX saying that I owed them for the previous quarter in addition to the current quarter. I looked at my bank statement and saw that someone had altered the check payee name and deposited the check. I went to a local branch of my bank ( Citizen 's Bank ) and they investigated the matter but refused to reimburse me for the fraud, saying that I did not report the matter within 30 days of its occurrence. I called the bank again to explain that I only receive a bill from the government every 3 months, so I didn't know that anything untoward had happened until 3 months later, but they refused to review it again. So I am hoping that you can help me to get reimbursed for something for which I am not at fault. Thank you. 

I have enclosed a copy of my property bill statement from XXXX and my property bill statement from XXXX. I also made copies of the altered check ( front and back ). Finally I enclosed a copy of the response from Citizen 's Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: TX

Complaint narrative:
I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).

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 2024-08-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to follow up on unresolved discrepancies within my credit report. Despite previous communications and a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), these issues remain unaddressed. Immediate attention to these inaccuracies is required as they are causing significant distress and potential financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: GA

Complaint narrative:
I am writing to follow up on unresolved discrepancies within my credit report. Despite previous communications and a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), these issues remain unaddressed. XXXX attention to these inaccuracies is required as they are causing significant distress and potential financial 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 2024-08-06 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: FL

Complaint narrative:
i recently review a copy of my credit report and i notice i had fraudulent accounts on my report. please remove these accounts from my report, they are hurting 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 2024-08-06 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: IL

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I sent portfolio recovery a certified letter asking them for proof of verification and they did not provide me with the proper documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: GA

Complaint narrative:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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 2024-08-06 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: FL

Complaint narrative:
Incorrect information on my credit reports accounts as well as inquiries please assist I have been going over this over and over again. See attached for more 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 2024-08-06 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: NY

Complaint narrative:
My account with 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.

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 8

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 2024-08-06 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: VA

Complaint narrative:
ITS been 30 days you are in VIOLATION of US 1681C-2 law15 U.S. Code $ 1681c-2 aconsumer reporting agency shall block the reporting of anyinformation in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, DELETE these items 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 non-monetary relief
Consumer complaint received 2024-08-06 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: OH

Complaint narrative:
This letter serves as a follow-up to my previous correspondence regarding the unauthorized inquiries on my credit report. Despite my multiple attempts to resolve this matter, these unauthorized inquiries continue to remain on my report. I am writing again to request the immediate removal of these inquiries, which were made without my permission or authorization. 

As I have previously stated, I did not authorize these inquiries, and they are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, unauthorized inquiries must be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon reviewing my credit report, I noticed a series of inquiries that I do not recognize, for which I have already disputed with the credit bureaus. However, they have not provided me with the information that could validate them, which has led me to file this complaint for their removal, as they are incurring in violations of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.

The disputed inquiries are as follows : XXXXXXXX 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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation