vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-15 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: Bridgecrest Acceptance Corporation
State: WI

Complaint narrative:
15 U.S. Code 1666b - Timing of payments U.S. Code Bridcrest is in violation of my federal rights by reporting late payments.

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, Oct. 28, 1974, 88 Stat. 1514 ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), May 22, 2009, 123 Stat. 1742 ; Pub. L. 11193, 2, Nov. 6, 2009, 123 Stat. 2998. )

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 2023-08-15 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: NY

Complaint narrative:
Hello, hope all is well. 
Please review my compliants. 
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. I told the Equifax to reinvestigate these accounts : Account Name : XXXX XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX XXXX ACCT XXXX XXXX Account Name : XXXX XXXX XXXX ACCT # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. 

Thanks, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am the victim, in an identity fraud, attempted credit card acquisition and hard inquiry scheme that occurred twice, on the dates, of XX/XX/XXXX ( XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX  reporting ). Bank of America XXXXredit cards was the host bank that conducted these fraudulent credit inquiries which was initiated by an unknown person who stole my personal information credentials possibly from a XXXX address as disclosed to me by Bank of America fraud department. However, my conversations with Bank of America fraud department, on XX/XX/XXXX yielded no results, in removal, of the hard inquiry pending conclusion of their investigation. In fact, the violations of my credit files continued with another fraudulent credit inquiry, on XX/XX/XXXX, at which time I spoke to XXXX, a member of Bank of America fraud department who advised me that a letter will be sent out to me, by Bank of America confirming the fraud credit breach which would have allowed me to secure a police complaint report in XXXX XXXX XXXX. There has been no communication from Bank of America since XX/XX/XXXX. The 2 fraud credit inquiries still remain on my credit report, from XXXX and 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 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been trying for several months to get a refund of a credit balance on the account. 

The documentation attached reflects the activity on the account in XXXX, XXXX, and XXXX. XXXX Credit balances appear on the report ( caused by overpayments ). 3 refund checks issued, and 1 was not cashed I have been trying to get reimbursed for the XX/XX/XXXX credit balance and check # XXXX was issued about XX/XX/XXXX but not cashed. 

The company made mistake in their response. Check XXXX XXXX is not reissue of check XXXX XXXXXXXX it is the original credit refund check for the credit balance as of XX/XX/XXXX. 

The credit refund check I am looking for is the credit refund check for credit balance as of XX/XX/XXXX ( check # XXXX ) which I have not received. 
.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-15 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: Volvo Car Financial Services U.S., LLC
State: NY

Complaint narrative:
Returned my XXXX truck back to dealership and they sent me a bill for over {$2000.00} dollars. I have sent them several validation notices as I want to know a breakdown of these monies and what it entails and have no responded. Now they have charged it off and sent it to a collections company negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services
State: PA

Complaint narrative:
Received a phone call XXXX at XXXX at my place of work. They have been instructed not to call me at work. They told me they don't call any of my references or business

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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 non-monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted are listed in the report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete items as soon as possible Fraudulent Inquiries : Inquiry Name : XXXX XXXX Inquiry Open Date : XX/XX/2023 Inquiry Name : XXXX XXXX Open Date : XX/XX/2023

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 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank accessed my credit report on XX/XX/2022. I do not recognize and did not authorize this access to my credit report. 

My credit report has an active fraud alert and is frozen/locked. Access to my credit file requires verbal approval to protect my identity. Additionally, I have opted out of pre-approved promotional offers.

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 2023-08-15 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: IL

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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
Consumer complaint received 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: AP

Complaint narrative:
This is in reference to complain ID XXXX which has been closed without customer satisfaction. Discover credit card stated they would re-open/re-instate my account after I paid personal fund to find a notary while XXXX. I traveled back to Hawaii from XXXX to find a notary to meet Discovers demand for identity verification, after the IRS had already confirmed my identity. This trip costs over a XXXX dollars for me to fly back and find a notary for Discover. I paid a notary to notarize the requested identity verification forms, showing my passport, drivers license, and military ID. Discover verified that they received the form but stated they kept my account closed due to their failure to contact the notary. Their failure is not my fault, yet I am being punished for their failure to contact a civilian notary in the XXXX. The day after notarizing their document and completing their requirement, I returned to XXXX. No one contacted me after that. I remain XXXX at this time and still unable to utilize my Discover card that I am currently paying on time every month. This is a violation of the Servicemembers Civil Relief Act ( SCRA ) as military members do not have access to certain services such as notary services and/or using a phone when XXXX. I was told by Discover that I needed to just find a phone while XXXX. Thats not how it works on XXXX on ship or shore overseas.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2023, an XXXXXXXX XXXX XXXX  checking account with Bank of America was fraudulently opened in my name. I reported the incident with Bank of America XXXXs Fraud Department via telephone on XX/XX/2023 upon receipt of an account statement in the mail. The statement I received via mail on XX/XX/2023 indicated that an account was opened using my name and former address. The Bank of America associate informed me the account was opened online on XX/XX/2023, using my name, date of birth, former address, and social security number. The account was utilized to make an ATM withdrawal for {$10.00} ; to transfer {$770.00} to an individual named XXXX XXXX ; to transfer {$650.00} to an individual named XXXX XXXX ; and to return an item worth {$2400.00}. This resulted in a negative account balance of {$3800.00}. 

The Bank of America associate informed me that the account had been flagged internally for possible fraud prior to my call. He placed an immediate freeze on the account, but indicated the internal investigation will continue to allow them to ascertain more information on the responsible individuals. He also issued me a case number and informed me that the internal investigation will likely lead to the possibility of filing a lawsuit against the perpetrators. Following the associate 's advice, I placed a credit freeze and fraud alert with both XXXX and XXXX. 

Please note I am refraining from uploading the account statement I received in the mail because it contains personally identifying information, including my name, former address, and account number. I can upload this at a later time and redact the information if necessary.

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 2023-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Solutions Inc.
State: MO

Complaint narrative:
I received a letter dated XX/XX/2023 that threatened legal redress if I did not pay on a medical bill. The address of the lawyer is in a state I dont live in and have no history of doing any business in. I called the original doctors office to verify the debt, and learned that the amount listed on the letter has a fee of {$120.00} added on top of the original bill amount. I called the debt collection office and said I wanted to pay but only the original amount ; I dont think I should have to pay fees on medical debt. I spoke to 2 different women and they were very rude. They yelled at me, shamed me for not taking care of my business, refused to let me pay my original bill amount, and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank accessed my credit report four times without my authorization : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XX/XX/XXXX My credit file has an active fraud alert and is currently frozen. Access to my credit file requires verbal verification before access to my credit file is granted. I also blocked my credit file from pre-approved promotional offers.

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 2023-08-15 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

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 XXXX XXXX, have 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 explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

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 XXXX XXXX have 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 explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit card or prepaid 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Throughout the end of last year and this year there has been many purchases made not authorized by me what so ever. This has me very frustrated as it has grown up to around {$4500.00}. Around 1-3 months back I filed many disputes with the credit card company ( Apple Card ) which is run by the Goldman Sachs bank XXXX I waited for over 2 months on the disputes and all of them seemed to be cancelled for whatever reason. I am deeply sad and mad on why this had to happen with me. Through many calls and such they said they would help but roughly just spun all the payments back to me. Please whatever you can do fix the debt that has been made on these unauthorized transactions and fix whatever damage this may have caused from these purchases and payments made and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation