vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> ( and processed on XX/XX/year> ), I sent a XXXX payment of {$390.00} from my Bank of America account to an individual named XXXX XXXX at phone number XXXX ( alternate number XXXX ), believing I was making a legitimate purchase of XXXX XXXXXXXX XXXX XXXX XXXX ticket for row XXXX XXXX XXXX. This individual assured me that I would receive the ticket, but after the payment was made and processed, they claimed that the payment had never reached them. They then claimed that they had refunded me the {$390.00}, without providing any credible evidence. When I simply requested an update on the situation, this individual accused me of scamming and proceeded to stop all communication since XX/XX/year>, despite various attempts at phone calls and messages. Furthermore, despite claiming that the phone number XXXX was no longer available except for XXXX purpose only, this individual somehow managed to use this number to text messages with unclear meanings until XX/XX/year>, before stopping this communication as well. Before stopping the communication, this individual assured that the refund would be resolved by " this week '', meaning by XX/XX/year>. I have eventually sent a clear message to the individual via XXXX  chat and the two phone numbers above requesting to respond to the choice of either delivering the promised product or a refund of my payment by XX/XX/year>, XXXX XXXX  XXXX. Please note that this individual has been very active and responsive but became inactive once the payment was fully processed. I have not received any response. It has been two weeks since I have made the payment ( not when the payment was processed ) and this individual ultimately did not provide the promised item nor refund my payment. 
It became clear that this was a fraudulent transaction, and I was deceived into authorizing the payment under false pretenses. I authorized the transaction based on the belief that I was conducting a legitimate transaction. However, I would not have authorized it had I known it was part of a scam. While I authorized the transaction, I didnt authorize fraudulent use of the funds.

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 2024-10-28 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: CA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. The items in dispute are as follows : Personal Infomrmation : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX # XXXX XXXXXXXX XXXX  XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX XXXX : XXXX XXXX  Employers : XXXX Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I am writing to formally dispute certain inaccurate and fraudulent information that appears on my credit report, as these items are the result of identity theft.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I am writing to formally dispute certain inaccurate and fraudulent information that appears on my credit report, as these items are the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I am writing to formally dispute certain inaccurate and fraudulent information that appears on my credit report, as these items are the result of identity theft.

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 2024-10-28 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: TX

Complaint narrative:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct those accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland credit Management located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company needs to be banned from the US I reported 4 days ago they updated my credit report today the XXXX and lied and said that the debt was severely pass due that the card was open in XXXX They put debt is severely passed due assigned to a lawyer attorney collection agency credit card internal collection department all of these things that they left on my credit report and they just updated it today the XXXX because it showed up is a bald-faced lie They did this because I put the complaint in with you guys ( CFPB ) IT'S COMPLETE RETALIATION AND THAT'S ILLEGAL AND IT VIOLATES THE FAIR CREDITING ACT AND IT IS ILLEGAL TO IMPERSONATE A LAWYER WHICH IS WHAT THEY DID... I sent in the documents to show that this account is more than 15 years old - I sent them a cease and desist They continue to violate the fair crediting act at what point does THE CFPB government stop this company from doing this all together I want this and all of their 86 AND NEGATIVE!!!! remarks removed from my credit report completely not close but deleted off of my report completely I want Midland completely removed within three business days This is illegal now because they updated this and put this on my credit report and these are all lies My account was never assigned to an attorney that is a bald-faced lie They have no proof of that no evidence and XXXX XXXX the original credit or refuses to even talk to these people XXXX  XXXX told me that these people are crooks that they never use this company for this very reason that XXXX XXXX  has been sued multiple times because of this company My credit score is now XXXX I have never had that law of a credit score My credit score before they did this to me was XXXX This company continues to attack me because I reported them and because there's a XXXX group about them please make them remove this you guys are supposed to protect us the consumer They need to be deleted from my credit report now completely This is a lie This account is from XXXX XXXX we are in XXXX there's no way that they can even be listed as a closed account It needs to be deleted now This company is a fraud!!!! And now they're impersonating a lawyer This is illegal and my debt it never was my debt from the get-go That's why XXXX XXXX let it go because it wasn't mine I was an authorized user on this account and never used anything I don't want the account closed on my credit report I wanted deleted completely and I want all of their negative remarks all 86 negative remarks deleted now!!!!! This account is more than 15 years old It was never assigned to a lawyer that is a lie and they knew what they were doing and they knew it would drop my credit report and it would harm me at this point is harming me and my business This is not okay!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: IL

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 non-monetary relief
Consumer complaint received 2024-10-28 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. These accounts are also inaccurate. 

XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-10-28 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-10-28 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: VA

Complaint narrative:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct those accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: NC

Complaint narrative:
This has been an ongoing issue. This account has been removed off my credit report now its back on my Equifax report. I am a victim of identity theft and has sent this company all the necessary documents to remove this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BYL Collection Services
State: DE

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally report a violation of my rights by BYL Services XXXX concerning the Fair Debt Collection Practices Act ( FDCPA ) and the Health Insurance Portability and Accountability Act ( HIPAA ). 

In addition to my previous concerns, I want to inform you that my bank account and Social Security Number ( SSN ) have been compromised in a data breach over the last five years. This breach has resulted in unauthorized access to my personal and financial information, making it even more critical for me to protect my rights and ensure that no further unauthorized actions are taken against me. 

I have not authorized BYL Services XXXX to contact me regarding any alleged debts, nor have I provided any information that would permit them to discuss my personal health information. Despite this, I have been subjected to persistent harassment from their representatives. This behavior is not only distressing but also a clear infringement of my rights under the aforementioned laws. 

To resolve this situation, I kindly request the following actions : 1. Validation of Debt : Please provide me with documentation proving that I owe any debt to BYL Services XXXX. This should include a copy of any agreement or payment obligation signed with my wet ink signature. This step is crucial for verifying the legitimacy of their claims. 

2. Cease Communication : Until this matter is resolved, I request that all communication from BYL Services XXXX is halted immediately. Under the FDCPA, I have the right to request that a debt collector stop contacting me. 

3. Investigation of Harassment : I would appreciate your assistance in investigating the nature of the communications I have received from BYL Services XXXX to ensure they comply with the law. 

4. Formal Complaint : If necessary, I would like to file a formal complaint against BYL Services XXXX for their harassment and potential violation of my rights. Please provide guidance on how to proceed with this complaint. 

I appreciate your attention to this matter and look forward to your prompt response. If you require any additional information from me to assist in resolving this issue, please do not hesitate to reach out. 

Thank you for your support. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MoneyLion Inc.
State: IL

Complaint narrative:
In Money Lion ( XXXX XXXX ) advertisements, when an account was opened and at least two direct deposits of 100 dollars were made separately, they were supposed to give a total of 55 dollars for opening an account under the name of 5 dollars referral bonus for 50 dollars direct deposit. However, only 5 dollars was paid to me under the name of referral bonus. My {$50.00} bonus payment did not materialize. The proof that I registered for this program with a referral code is the {$5.00} bonus payment made to me. 

My direct deposit dates : XX/XX/year> {$100.00} XX/XX/year> XXXX dollars

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I am submitting a complaint regarding XXXX XXXX and Portfolio Recovery Associates , LLC for inaccurately reporting a fraudulent debt on my credit report. This account was opened without my authorization, as my personal information was compromised in the XXXX data breach. I respectfully request that the CFPB assist in ensuring that this fraudulent account and related collections are promptly removed from my credit reports with XXXX, XXXX, and XXXX. 

Account Details : Original Creditor : XXXX XXXX XXXX XXXX : Portfolio Recovery Associates , LLC Reported Balance : {$400.00} Reported Delinquency : XX/XX/year> Issue Summary : 1. Fraudulent Account Creation : This account with XXXXXXXX XXXX was opened fraudulently due to the XXXX data breach, during which my personal information was compromised and used without my consent. 


2. Collection Activity by Portfolio Recovery Associates , LLC : Despite this account being unauthorized and fraudulently created, Portfolio Recovery Associates , LLC is reporting a balance of {$400.00} and listing the account as delinquent as of XX/XX/year>. Their continued reporting of this fraudulent debt is damaging to my credit and personal financial standing.

3. Previous Reports of Identity Theft : I have previously reported this fraudulent activity to the Federal Trade Commission ( FTC ) and notified both XXXX and XXXX XXXX of the unauthorized account. However, Portfolio Recovery Associates , LLC continues to report the account as a valid collection, ignoring the documented evidence of fraud and identity theft.

Please be advised that this letter is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing this claim and requesting immediate validation. Due to the inaccuracies and the fraudulent nature of the charges, I am requesting immediate removal of this account from my credit report across all three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-10-28 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:
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