vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-15 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: MI

Complaint narrative:
I reviewed my consumer reports and noticed that I had payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their abily with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year> Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Someone has obtained my online banking information and XXXX  started money transfers charging my credit cards. The XXXX, on XX/XX/XXXX, was for more than {$19000.00} and the second, on XX/XX/XXXX, was for more than {$21000.00}. XXXX  XXXX XXXX has stopped the transfers. XXXX  XXXX XXXX blocked access to my online banking account. Before then, I changed my password. I called the number XXXX  XXXX XXXX provided for unblocking my account, The bank changed my login ID and I changed my password. Because of the XXXX  fraudulent transfer was cancelled, the bank sent me a new credit card. I received it this morning. I activated the new card and less than XXXX hours later, another transfer was initiated. I called the bank again and after several transfers between fraud departments, the bank blocked access to my online account. They bank representative said I need to go to the XXXX  XXXX XXXX branch where I bank on XXXX  to reinstate my online banking. Also, someone accessed my XXXX account and charged a purchase from XXXX for XXXX laptops XXXX  on XX/XX/XXXX. The XXXX  charge was to my XXXX  XXXX XXXX credit card and the XXXX  was for the same amount to XXXX but opened a XXXX  credit charge. When I filed a dispute saying I did not make these transactions, XXXX denied my claim.

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 2024-06-15 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:
The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX  ( collection account ) I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 

fraudulent account open while in XXXX  sent email to XXXX on XX/XX/year> disputing this debt

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 2024-06-15 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 have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 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: CT

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
I reapplied to open a Robinhood account, submitted the documents they needed, but after a month they continued to ask me for more of my personal, private information, and after I provided it to them, they still didn't open an account for me and tried to continue to ask for my information, and I wanted them to disclose how they were going to use my personal information, but they refused to do so and blocked me from the dialog box. Then agreed for me that the problem had been resolved and refused to give me a customer service number and phone service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I purchased a used car from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX  XX/XX/XXXX. 
At the time they offered credit acceptance as a loan provider. During the sign up with credit acceptance I was at the office for hours, eventually being handed a stack of papers needing to be signed. I was not aware of the interest rates, or other charges outside of the XXXX I had agreed to at the sale, nor that I would not be receiving my only request which was to have a GAP insurance policy for the vehicle in place, which I was told would be. I was led to believe by both the auto sales guy and the creditor that I was signing up in good faith. Few days following the purchase I was calling around to verify coverages XXXX XXXX XXXX, and was told that based on the loan value, I was not given Gap insurance for the vehicle. I left the matter alone, however in XXXX while in XXXX my vehicle was stolen & reported. I did not have comprehensive coverage that covered out of collision damages at the time. Explained the matter to credit acceptance however they were unable to help me, knowing wholeheartedly that I had asked for the XXXX coverage at singing and was denied as well as other misrepresentations. I feel scammed, now I am financially struggling and can not even find adequate housing because of credit acceptance greed, misrepresentation and scam. they also continue to call me XXXX times a day from XXXX numbers although I have informed them several times of the circumstances they have lured me into.

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 2024-06-15 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: TN

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.

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 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 XXXX 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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
XX/XX/XXXX I paid Bank of America in full {$650.00} via their app for my card ending in XXXX. XX/XX/XXXX I received statement balances from Bank of America in the mail showing my XX/XX/XXXX payment was applied to my previously close account ending in XXXX instead of my active account ending in XXXX. I called Bank of America to report this on XX/XX/XXXX. The first Bank of America agent I spoke with on XX/XX/XXXX requested a refund check by mailed to me. The second agent I spoke with on XX/XX/XXXX minutes later stated this was a known Bank of America App issue with their app showing past closed accounts on the consumers end. This second agent reported the first agent should have transferred the payment rather than refunding the payment. I informed the second agent I would have to wait until for the refund check to arrive in the mail14 days later to resubmit my payment. I was then called by Bank of America trying to collect on this debit on XX/XX/XXXX before a job interview at which time I asked not to be contacted again on this matter as it was a known issue I had already reported to them. I explained again to the Bank of America XXXX Collector that I was awaiting their refund check to arrive in the mail before I could pay them again for this known app error. I was contacted again by Bank of America on XX/XX/XXXX trying again to collect on this debit while I was at work as a direct patient facing nurse. I submitted a dispute letter in writing to Bank of America on XX/XX/XXXX. Additionally I received notification on XX/XX/XXXX that Bank of America is now reducing my credit line to {$800.00} due to this current and past delinquency.

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 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
i had applied for a credit card with ( XXXX XXXX ) paid the balance in full and it its still on 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 2024-06-15 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: MI

Complaint narrative:
I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their abily with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/XXXX and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2024-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I reviewed my credit report and found an unpaid debt, that I was unaware of. I did locate a mailed statement, which showed my last name was spelled incorrectly. Emails were sent as well but I did not open them believing they were spam or fishing attempts and deleted them. As a result, I was not aware of this unpaid debt. 

The amount owed is {$360.00}, based on the last notification from XXXX dated XX/XX/XXXX, this appears to have been outstanding since XX/XX/XXXX. I know this was originally from the use of an Old Navy Credit card, which I never received a paper/mailed bill. The Old Navy Credit Card system was paperless, which I never agreed to. 

Below is the communication emailed through the XXXXt " Contact Us '' page. As noted, I did include a copy of my driver 's license showing the misspelling of my last name. 

Attention Correspondence Department : Following up on the phone conversation on XX/XX/XXXX with XXXX. Due to the misspelling of my name, I did not open any messages because I believed that they were spam or fishing attempts. For this reason, I am requesting that this collection be deleted from my credit reports. I will be submitting a complaint to the CFBV. I have attached a copy of my driver 's license for proof of misspelling of my name.

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 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

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 2024-06-15 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have reached out to all three credit bureau companies in regards to wrong information which has effected my ability to obtain credit and asked incorrect information to be removed but I see it wasnt resolved and still showing up on my credit without correction. 
I have asked for leader to provide written document with my full name signature indicating or prove when account year month and date when this account was opened also provide correct and proper living address at the time account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
On XX/XX/year> I was served with a lawsuit to my home from PRA for an alleged debt that they say I owe them. I owe this company nothing and I completely deny this debt. I had absolutely no warning about this suit until I was served at my home by the process server and I do not know who these people are or why they think I owe them this money. 

I filed a complaint here with the CFPB about this action. The company first sent me a letter ( dated XX/XX/year> ), stating that they were interested in providing a permanent hardship whatever to me for dignity and a bunch of other words that they clearly did not mean and were only saying so they'd have something nice to show the CFPB to have them close the first complaint. I filled out this form ( XX/XX/year> ) provided an XXXX statement from the XXXX and waited XXXX and waited. I also pointed out to PRA that they had a suit against me that would have to be withdrawn if they were truly interested in making this right. To date, I have received no response to any of this. 

It is clear that PRA was just providing lip service to CFPB and has no intention of doing any of these things that they said they would do. They have not dropped the suit, they have not answered my request for confirmation that they received my paperwork and they seem to be running down the clock on the lawsuit that they filed in hopes of a default judgment against someone who owes them nothing and lives off of XXXX. Unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
Before I get into this issue, I noticed previously the amount in my accounts didn't add up, the dates & how funds we I didn't make that day would disappear from my account. On XX/XX/year> I Purchased XXXX tickets amounting to {$430.00} USD. The money was in fact taken out of my account on XX/XX/XXXX, before I purchased the tickets, I looked at my account amount & after I purchased the tickets, I checked again for how much I had left. On XX/XX/year> after going to XXXX XXXX & the store for the morning ( XXXX purchases ) I go into the XXXX app to order some food but after I do that I have to unlock my card, I go into my XXXX account & see that I have less that {$700.00} usd in my account. I had over {$1100.00} after I made my XXXX purchases for that day the XXXX, In the XXXX app it said I had XXXX transactions for the day which I did not make for those days besides my stated XXXX purchases. I see that on XX/XX/year>, I was again charged for XXXX tickets & other items I did not make that day. XXXX has taken money off of my card 2 times for the XXXX tickets. I called XXXX directly & they have confirmed via phone that on XX/XX/XXXX my tickets were purchased & a confirmation email for those tickets were sent to my email. XXXX also stated they will send another confirmation via email with XXXX hours of that purchase. Regarding Sofi The dates I make my purchases continually do not match up with the dates I made certain purchases. They in this instance has taken money out of my account twice for these XXXX tickets On XX/XX/year> & XX/XX/year> weather they pending transaction the money HAS BEEN taken off my account. With all that being said my account has had money taken off of it twice for XXXX purchases I made, The dates certain purchases are made are wrong and do not reflect the correct dates, In transaction history the checking amount suggests they are actively taking money out of my account without my knowledge for example on XX/XX/year> in my transaction history on the SoFi app I had {$1600.00} after a XXXX XXXX purchase. I then Put {$700.00} usd into my savings account, leftover in my checking account I had {$900.00} - {$19.00} = {$880.00}. On XX/XX/XXXX remember I said I only made XXXX purchases before I noticed money gone from my account, not account for the purchase I actually made that day I have a charge from XXXX for the XXXX time {$350.00} for the plane tickets & {$78.00} for my seat tickets for that trip, a XXXX money transfer to XXXX for {$62.00}, XXXXXXXX XXXX  for {$58.00}. I DID NOT MAKE THESE PURCHASES the day of XX/XX/year> but in the SoFI history it has it as that.

Company response to consumer: Closed with explanation