vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This item is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 


XXXX XXXX XXXX XXXX Balance {$0.00} XX/XX/2016 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: TX

Complaint narrative:
Debt was the result of ID theft. Company failed to provide my signed agreement for this account, original terms

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is for Bank of America, aka BoA. I am a new customer for BoA credit card. 

I set up auto pay for my credit card before the XXXX due date but still got charged for {$33.00} interest fee and {$29.00} late fee for not making full payment on the due date in the XX/XX/XXXX statement. 

I paid in full on XX/XX/XXXX when I realized that BoA auto pay did not take effect on the XX/XX/XXXX due date. 

I called BoA on XXXX and XX/XX/XXXX and they agreed to revert the late payment fee and interest fee because the autopay pay did not work in XXXX. However, only the {$29.00} late payment fee was reverted. Then I called BoA again on XX/XX/XXXX. They refused to revert the interest fee because that was a valid charge.

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 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, 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:
I sent My first letter to XXXX XX/XX/2022 asking them to investigate accuracy of the national credit system account on my credit report. I did not receive a response. I sent another letter XX/XX/2022 still no response. I sent my last letter XX/XX/2022 and i have yet to receive a response to this day but the disputed account shows updated as of XX/XX/2022. 

Also, on XX/XX/2022 they investigated the collection determined it was inaccurate and deleted it. Two days after XX/XX/2022 it reappeared on my report with no written notice which is a violation of 15 U.S.C. 1681 ( 5 ) ( B ). 

XXXX and Transunion provided me with " verified '' " updated '' results after i received their results i did my own thorough research and found several inaccuracies. 

Transunion and XXXX are reporting the collection as open which is not possible on a collection. They all show different dates for the date as last activity. 

XXXX is reporting a 1-month term when collection accounts does not have terms. 


In accordance with the fair credit reporting act XXXX XXXX XXXX Account has violated my rights. 

15 U.S.C 1681 section 602A states that i have a right to privacy.

15 U.S.C. 1681 Section 604A section 2 states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Subject : Incorrect personal information To Whom It May Concern : I recently reviewed my credit report and noticed you have incorrect personal information in my file. Please use the documents Ive provided to update my correct full name and address. Also, please remove any names that dont match my ID. Please remove any addresses that dont match my current and valid address.

I have included the following information : Copy of my photo ID Proof of current address Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumers file is inaccurate. 


Under the Fair Credit Reporting Act, you have 30 daysto resolve a dispute. If the item can not be verified by the creditor within the time frame, it MUST BE be removed from the report. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Failed to require creditor to provide the original terms of cards/loans, failed to require creditor to provide signature on contract ( please see the attachment ) all items in the dispute results box )

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 2022-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Opened a CareCredit card in 2019. For almost 3 years I have been paying up to {$300.00} in 2 payments to Care Credit a month. My balance increases every month, has went over the limit, and I could not figure out why I wasn't getting anywhere despite not charging anything to that card in almost 3 years. ( Yes, I understand that there is a monthly interest charge but it is under {$130.00} a month ). I noticed an additional monthly charge ranging from XXXX XXXXXXXX which I thought was going towards my bill ( Synchrony on my bank statement ). Upon further investigation this week I found that this is a " XXXX XXXX '' benefit ( in the event I am unable to pay my bill ) that they say I authorized when I signed up for the card. I know that I would not knowingly agree to this amount of an extra payment not going towards my bill. I am younger and have a very stable job as a nurse. While I don't remember the specific small details about that application, as a consumer I feel like this process is deceitful and predatory. 

" XXXX XXXX '' has agreed to refund this money however I am unable to see bills prior to 12 months ago. This additional charge is listed on my CareCredit bill yet CareCredit states they can not help me with these matters because " XXXX XXXX '' is a different department. I am unable to access any payment history for " XXXX XXXX '' through their website but the last 12 payments of " XXXX XXXX XXXX '' shows up on my CareCredit App around the 10th of every month, in addition to the CareCredit payment of XXXX XXXXXXXX I pay on the 2nd every month. All of this is very shady to me as a consumer and I wonder how many other people are unaware of this charge or possibly overwhelmed by the difficulty in getting to the bottom of this " extra charge. '' XXXX XXXXXXXX could be a week of groceries for someone trying to make ends meet.

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 2022-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Block, Inc.
State: TX

Complaint narrative:
I received a card in the mail from Cash App on XX/XX/22. I never opened an account. I tried to contact them, but it is an automated line that says it will call you back. I received a call back and they requested I provide my email address so they could send me information on how to close the account. I did not want to provide any information to them. They would not help me close the account and hung up on me. 

I later received an automated voicemail that said a former employee downloaded cash app investing reports. It went on to say there was no personally identifiable info on those reports. 

I XXXX Cash App and apparently this is a typical scam. Please see the article below or you can XXXX " cash app card in mail scam '' and you will see similar articles. 

XXXX XXXX XXXX  Can you please help resolve this? They should also be held accountable for this scam and have an easier way to close this issue out. 

The company contact info is shown as follows : Customer Service XXXX Cash App XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
All accounts that were charged off and then paid in full or a settlement was reach should be deleted off all my credit reports. The creditors mentioned that after successfully making the payment to reduce the balance to zero, the accounts would be delete from my credit reports.

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 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Subject : Incorrect personal information To Whom It May Concern : I recently reviewed my credit report and noticed you have incorrect personal information in my file. Please use the documents Ive provided to update my correct full name and address. Also, please remove any names that dont match my ID. Please remove any addresses that dont match my current and valid address. 

I have included the following information : Copy of my photo ID Proof of current address Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumers file is inaccurate. 


Under the Fair Credit Reporting Act, you have 30 daysto resolve a dispute. If the item can not be verified by the creditor within the time frame, it MUST BE be removed from the report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Subject : Incorrect personal information To Whom It May Concern : I recently reviewed my credit report and noticed you have incorrect personal information in my file. Please use the documents Ive provided to update my correct full name and address. Also, please remove any names that dont match my ID. Please remove any addresses that dont match my current and valid address.

I have included the following information : Copy of my photo ID Proof of current address Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumers file is inaccurate. 


Under the Fair Credit Reporting Act, you have 30 daysto resolve a dispute. If the item can not be verified by the creditor within the time frame, it MUST BE be removed from the report. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I called and closed my XXXX credit card account last XXXX shortly after I paid the annual fee for 2021. This year they are trying to charge me the fee again and have reported me to the credit bureaus as being 90 days late. How can I be 90 days late on an account that was closed a year ago? 

I dont know my account number due ro the fact the account has been closed for a year and I destroyed the card when the account was closed. All I can get is the first XXXX digits 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 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Failed to require creditor to provide the original terms of cards/loans, failed to require creditor to provide signature on contract ( please see the attachment ) all items in the dispute results box )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
All accounts that were charged off and then paid in full or a settlement was reach should be deleted off all my credit reports. The creditors mentioned that after successfully making the payment to reduce the balance to zero, the accounts would be delete from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
All accounts that were charged off and then paid in full or a settlement was reach should be deleted off all my credit reports. The creditors mentioned that after successfully making the payment to reduce the balance to zero, the accounts would be delete from my credit reports.

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 2022-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX failed to provide proof of debt, failed to provide original contract with my signature, failed to provide original terms of loan, failed to provide any proof the account belongs to 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 explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
Amegy Bank is reporting a credit card opened in my name as charged off. This account was the result of identity theft, I disputed the account with all 3 credit reporting agencies and they verified the account. They FAILED to provide my original signature on the application or contract, they FAILED to provide the original terms of the account, they FAILED to provide proof the account was mine

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 2022-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
It was several bank account that was closed due to fraud activity, that someone stole my information and my identity.Also i had and credit union account with Navy Federal and XXXX XXXX  that was also closed at time i was in XXXX XXXX my account with Navy Federal was hack where someone had my information and despoit a fraud check also with XXXX  where they are saying that i cash the same check with XXXX XXXX and XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
bank of America and Unemployment missing/stolen and fraud already identified with no return or original money or fees associated.

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 2022-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover bank is reporting a charged off account in my name that is the result of identity theft. They recently verified the account as accurate. The FAILED to provide me with proof of the debt, my signature on the original contract, original terms of the account, any proof that the account belongs to me. In addition, the balance reporting on the XXXX 's is not accurate and does not make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My identity was used to open an online account with myEquifax.com, on XX/XX/2022, case # XXXX, on XX/XX/2022, case # XXXX, on XX/XX/2022, case # XXXX, also on XX/XX/2022, case # XXXX, I called Equifax at XXXX, and XXXX, to have the illegal account that was opened with my identity closed due to my identity being used to open an account with myEquifax.com, I have an police report case # XXXX, also on criminal complaint submitted with the state of Michigan, case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
All three credit Bureaus never did a proper INVESTIGATION according to the FCRA The term investigation consumer report means a consumer report or portion thereof in which information on a consumer 's character. General reputation. Personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this : - Also they have violated my rights even more. 

In accordance with the fair credit Reporting everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated but now is that possible if the open and close date, last active, payment and report date is inaccurate, even the 3 credit bureaus have different information about my date of birth, address and employer. This is ground for removal. 

They also violated the law because according to 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 an account without my writtan instructions. 

I did not give anybody writtan 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 non-monetary relief
Consumer complaint received 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX 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 a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation