vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have several charges which I would like to have disputed, however the customer support representatives keep lying to me to prevent me from initiating these disputes. 
On XXXX, I called Bank of America to initiate disputes. I was initially lied to by the support representative, who told me that I could initiate these disputes from my Bank of America app or online. However, when I try to do so I am not able to because the app tells me to contact support and does not initiate the dispute. After explaining this to the support representative, they told me that they would initiate all of the disputes and they would be resolved within 2 months. It has been 2 months, and the disputes haven't even been initiated. 
I later called Bank of America again to try and initiate the disputes. I was lied to again, being told that I should use the App to initiate the disputes. After explaining that that would not work, I asked for an alternative method to submit disputes since I could not do it through the app, online, or over the phone. The support representative told me that I could send mail or fax to initiate the disputes. I sent mail and a fax, following the instructions from the support representative. However, the support representative clearly lied to me, since no action has been taken on the mail or fax that I've sent.

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 2024-11-24 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: ENOVA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
On Sunday, XX/XX/year>, at XXXX XXXX XXXX I received an email from NetCredit stating that I applied for a NetCredit product through XXXX XXXX, submitted to XXXXXXXX XXXX XXXX XXXX XXXX XXXX My credit is frozen with all three bureaus ( XXXX XXXX and I did not initiate a credit inquiry with this company. 

Additional information included in the email communication states : The Federal Agency that administers compliance with this law concerning this creditor is : Division of Depositor and Consumer Protection, National Center for Consumer and Depositor Assistance, Federal Deposit Insurance Corporation, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX, MO XXXX. 

I am reporting possible fraud from this company & would greatly appreciate an investigation into the matter. Contact information for NetCredit included in the email is listed below : NetCredit XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX XXXX ( XXXX ) XXXX Thank you for any assistance you can provide in this matter. I can be reached at mobile : XXXX ; email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
On XX/XX/year>, I authorized XXXX to pay {$210.00} to Goldman Sachs for my Apple card. On XX/XX/year>, I authorized XXXX to pay {$92.00}. Goldman Sachs claims they never received the payment. I requested proof from my bank and I sent that proof to Goldman Sachs. I sent a copy of the check ( front and back ) that they cashed. They received the check for {$92.00} but have not cashed it. I preferred to not send another payment until they admitted they had cashed the first check. I've filed several grievances/disputes with them to no avail. They continue to say they never received the payment. I've spoken to many agents since and now they say that if I don't pay them they'll charge off my account which I don't want. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
I am writing to further dispute the information contained in my consumer file with Early Warning Services, specifically the accounts associated with XXXX XXXX XXXXXXXX and referenced in Case XXXX XXXX and XXXX. Despite your claim that the reinvestigation confirms the accuracy and completeness of the information, I contest this conclusion for the following reasons : Grounds for Further Dispute 1. XXXX XXXX XXXX, Reference # : XXXX Issue : This account has been inaccurately reported as accurate and complete, despite unresolved discrepancies regarding its closure status, transaction history, and alleged Account Abuse. 
Violation : The supporting documentation provided by XXXX XXXXXXXX XXXX does not conclusively demonstrate the accuracy or verifiability of this information, which violates the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX  XXXX, Reference # : XXXX Issue : This account was previously removed due to unverifiability and should not have been reinserted into my consumer file without substantial evidence. The alleged Suspected Fraud Act claim is not supported by any clear documentation. 
Violation : The reinsertion of this account fails to meet the requirements of FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates certification of accuracy and proper notification of reinsertion. 
Request for Permanent Deletion I demand that both accounts be permanently deleted from my file based on the following : The reinvestigation failed to provide conclusive and verifiable evidence of accuracy and completeness. 
The documentation provided is insufficient to justify continued reporting of these accounts. 
The reinserted account violates FCRA requirements for certification and notification. 
Notice of Legal Action If Early Warning Services does not delete the disputed information from my consumer file, I will take legal action under 15 U.S.C. 1681, seeking damages for the inaccurate reporting and improper reinsertion of unverifiable data. 
Next Steps I request written confirmation of the permanent deletion of these accounts within 15 days of receiving this letter. Please also provide : 1. Copies of all documentation and communications used to verify the disputed information during the reinvestigation. 
2. A detailed explanation of how the reinvestigation was conducted.

3. The identity and contact information of all parties involved in verifying the disputed information. 
Thank you for your prompt attention to this matter. I expect your full compliance with FCRA guidelines to ensure the accuracy and integrity of my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: SC

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-11-24 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:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
The following information is inaccurate or incomplete and needs to be removed immediately : Syncb/care credit I recently seen my credit report and I have a charge of account written off 15 USC 1692k . The information was sent over to a collection agency. Also I didnt receive a 1099C form. according to the fair credit reporting at you have violated my rights with fraudulent action. In addition 18USC 1028 aggravated identity theft 15USC 1681b permissible purpose FCRA section 605b 605c and I did make a complaint with the FTC

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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am writing in response to your communication regarding the accounts ending in XXXX, XXXX, and XXXX. While you have confirmed that these accounts are closed and purged and asserted compliance with regulations, I am seeking further clarification and resolution to ensure the accuracy and proper handling of my information. 
Points of Concern 1. Persistence of Closed Accounts : Although you have stated that these accounts are closed and purged, they continue to impact my record through reporting to XXXX XXXX XXXX XXXX XXXX XXXX. This reporting creates unnecessary barriers for me, despite the accounts having no outstanding issues. 
XXXX. Deposit Account Agreement ( DAA ) and Privacy Notice : You referenced the DAA and Privacy Notice, stating that federal law permits the reporting of account activity. However, federal law also mandates that reporting must be accurate and not cause undue harm. Given the accounts closed status, I question the relevance of their continued reporting. 
XXXX. XXXX XXXX : Your assertion that XXXX  and other consumer reporting agencies determine the retention of account information does not absolve Chase Bank of its obligation to ensure accuracy and fairness in its reporting practices. The presence of these accounts reflects negatively on my record, impacting my ability to access financial services. 
Actions Requested I request the following actions from Chase Bank : 1. Detailed Documentation : Please provide copies of all documentation related to the accounts ending in XXXX, XXXX, and XXXX, including : Account closure and purge dates. 
Records of reporting to XXXX and any other consumer reporting agencies. 
Evidence of compliance with the FCRA in the reporting of these accounts. 
2. Clarification on Reporting Practices : Explain why closed and purged accounts remain reportable and the criteria used to determine their continued presence in consumer reporting systems. 
XXXX. Assistance with Removal : Work with XXXX  to ensure that irrelevant or outdated information is removed from my consumer report. 
Consequences of Inaction If this matter is not resolved promptly, I will escalate my concerns through : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Pursuing legal action for damages caused by improper reporting. 
Including a rebuttal in my consumer file to contest the continued presence of these accounts. 
The ongoing harm caused by these accounts includes denial of financial opportunities and damage to my financial reputation. I request that you treat this matter as a priority and provide a written response within 15 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
Allstate credit bureau is not the original creditor of this account. This account is old, and they refused to provide more information. This is not correct. They updated because they had the wrong amount the first time and then got the documentation from the ORIGINAL CREDITOR, which is the credit union. I request that it be moved at once. I report them to the IRS for fraud and file a lawsuit for defamation of character. I did NOT open anything with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute a collection on my credit report associated with account number XXXX which was reported by XXXX XXXX XXXX to XXXX XXXXXXXX XXXX This account appears on my credit report ( Equifax XXXX XXXX ) inaccurately, and I believe it has been mistakenly placed with your agency without proper evidence or authorization. I have no knowledge of any outstanding debt owed to XXXX XXXX XXXX and have not been provided with any documentation or proof to substantiate this alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to verification and proof of the alleged debt, including evidence that the amount claimed is accurate and valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I recently checked my credit report & saw accounts reporting that I do not recognize

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: MD

Complaint narrative:
Formal Dispute of Inaccurate Information on Credit Report. XXXX account XXXX This inaccuracy across Transunion, XXXX and XXXX falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. They have failed to investigate this account properly after I repeatedly asked to have the account re-investigated, your neglect has once again violated my consumer rights. Accordingly to this law they are suppose to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure. Attached is proof of Inaccuracies. All the bureaus get information from same Data Furnisher, yet XXXX and XXXX show as charged off, Transunion has 60 days late.Date last active has Transunion XX/XX/year>, XXXX XX/XX/year> and XXXX XX/XX/year>. Attached is proof of all inaccurate information of this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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:
The following information is inaccurate or incomplete and needs to be removed immediately : XXXXXXXX XXXX I recently seen my credit report and I have a charge of account written off 15 USC 1692k . The information was sent over to a collection agency. Also I didnt receive a 1099C form. according to the fair credit reporting at you have violated my rights with fraudulent action. In addition 18USC 1028 aggravated identity theft 15USC 1681b permissible purpose FCRA section 605b 605c and I did make a complaint with the FTC

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 2024-11-24 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: CITIBANK, N.A.
State: ND

Complaint narrative:
I am filing a formal complaint regarding unauthorized charges on my Best Buy credit card, issued by Citibank NA. Nearly {$1000.00} in fraudulent transactions were made to a scam website, XXXX, reportedly based in XXXX and known for fraudulent activity. These unauthorized charges pushed my account over the credit limit. 

I promptly disputed these charges, explaining that I believe someone gained unauthorized access to my personal laptop, which contains my email and credit card information. Despite my explanation, Citibank denied my dispute, claiming that the account on the scam website was linked to an email address I may have owned. This, however, does not prove that I made these purchases, especially since I explicitly stated in my dispute that this access was unauthorized. Under U.S. law, I can not be held liable for charges I did not authorize. Despite multiple attempts to resolve this issue with Citibank, they hav
e refused to reverse these charges or offer any assistance. I can not reasonably be expected to pay for transactions I did not make.

I respectfully request that the CFPB investigate this matter and ensure that Citibank complies with federal consumer protection laws.

Desired Resolution : 1. Reverse all unauthorized charges made to my account.

2. Remove any over-limit fees or penalties caused by these fraudulent charges. 

Sincerely, XXXX 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 monetary relief
Consumer complaint received 2024-11-24 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: IL

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: NY

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I am requesting claims and defenses under Federal law ( 15 USC 1666i ). This section specifies the cardholder 's liability is limited to the outstanding balance minus the value of the fraudulent transactions when the issuer is notified. I do not consent to any past or future payments being applied for the fraudulent charge. I hereby inform the card issuer and representative investigating the case, that I am withholding payment on the fraudulent charges. However, to be a loyal consumer I will continue the minimum payments under duress and fear that withheld payments will negatively impact my credit report and reputation. According to California Financial Code Section 2102, 17000 and Federal law principles. I reserve the right to refund. Consumers should be protected from financial loss from fraudulent transactions. The Fair Credit Billing Act safeguards consumers from fraudulent transactions on their credit card accounts.

American Express Case XXXX FTC Report number XXXX FTC Identity Theft Report XXXX XXXX  Complaint ID : XXXXXXXX XXXXXXXX report ID XXXX XXXX report ID XXXX

Company response to consumer: Closed with monetary relief