vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Ensuring timely payments on this account has always been my priority, never allowing them to be overdue. However, I'm unsure why there are reports of late payment remarks on my accounts. This should be rectified as per 15 USC 1666b - Billing Error.

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 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Hello Dear sir or Madam, I received a copy of my credit report to find the following items incorrect. 

I have explained the discrepancies in the numbered entities listed below : Your account name XXXX XXXX XXXX XXXX According to my records the information they are reporting on this account is inaccurate. I demand that this is removed from my credit report immediately. 

By the provisions of Fair Credit Reporting Act of 1970 15 U.S.C 1681 et seq. I demand that these items be reinvestigated and deleted from my credit report. 

Balances outstanding Collection accounts should not be reported as OPEN this is a FTC violation and must be disputed under 15 usc code 1681S-2 and is inaccurate reporting. 

XXXX : {$4600.00} {$3600.00} XXXX XXXX collection charge off BANK OF AMERICA XXXX : {$3300.00} XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX BANK OF AMERICA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I did not authorize those companies to access my credit file. I need proof of authorization or these to be removed immediately.

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 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My payments are always made promptly, of that I am certain. What puzzles me is the occasional late reporting from this company, which shouldn't be the case. Per USC 1666b, any billing error must be rectified promptly and updated to reflect payment as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I'm being harassed by phone and by email

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 2024-05-29 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: NY

Complaint narrative:
I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On Sunday XX/XX/XXXX, while purchasing a mattress at XXXX XXXX I decided to check what credit cards may offer cash back on a XXXXXXXX XXXX purchase. After checking each Banking App that I have, my Capital One Savor Card stated that I could receive 6 % shopping credit ( Earn credits for shopping ). I have screenshots as evidence. After speaking with the cashier and my wife, we all believed that If I used the Savor One card for the purchase, I will receive a 6 % credit ( {$120.00} ). We subsequently purchased the mattress at {$2100.00} On Tuesday XXXX, XXXX, I reviewed my account and did not see any evidence of a credit on the purchase. I called Capital One to explain the situation and I believed it to be misleading advertising. The representative told me that you have had to of clicked on the actual XXXX XXXX link 6 % and purchase the mattress via the store website through the app and that they couldn't give me the {$120.00} credit as any credit given is through the merchant, not Capital One. I asked to speak with the supervisor and we went back and forth while I had my Capital One account open in front of me on the desk top this time. Nowhere on the screen does it state that in order to obtain the shopping credits you need to actually click on the link and make the purchase via the online Portal. I explained to the supervisor that Capital One is unlike other banking institutions with cash back offers such as XXXX that make it clear and easy to understand the cash back/credit rules. The Supervisor agreed that in my case they could understand why I would think this but there is nothing they could do as it is the merchant that offers the credit, not Capital One. After airing my frustrations and asking them to at least credit me, they told me my best option was to return to the store, cancel the order and buy through the app to receive the credit. As a loyal customer I was left disappointed and told them that I will end my business with them the next day. After discussing with my wife, we both agreed that Capital One misleads it's customers by false advertising claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: Experian Information Solutions Inc.

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX APT XXXX XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$XXXX} XXXX XXXX Balance : {$XXXX0} XXXX  XXXX Balance : {$XXXX} XXXX XXXX FIN XXXX Balance : {$XXXX} XXXX  XXXX Balance : {$XXXX} XXXX XXXX Balance : {$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 explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
They let me open a saving account, but when I tried to open a checking account, they rejected the application under the following statement This decision was based on a number of factors, including a report from XXXX XXXX XXXX, a consumer reporting agency. Their report is like a credit report, but looks at your deposit account history rather than your history with loans which makes no sense, since I dont have any other bank account nor credit history. XXXX XXXX  referred me to XXXX XXXX XXXX  and they referred me to XXXX XXXX  again. Nobody is giving a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: WI

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you XXXX have for this request. 

XXXX XXXX XXXX XXXX XX/XX/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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
To whom this may concern, while checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the fair credit reporting act section 1681 ( b ) ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you main under my social security number. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
In XXXX. XXXX i closed XXXX account and paid final balance in full. i got notification in XXXX that i was in collections from credit bureau. I disputed with XXXX and XXXX requesting proof but did not receive any proof. I have no knowledge of this specific company XXXX collection services. This is harming me my credit and consumer rights and I requested it being removed for the lack of proof i requested over a month ago

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
Received a letter from Concora Credit dated XX/XX/year> saying I had applied for a Milestone Master card issued by the XXXX XXXX XXXX but it had been denied. 
I did not apply for this credit card. 
I called Concora Credit. The first thing I was asked to provide was my social security number which I would not provide.

The woman on the call could not tell me how this credit card had been applied for- she would not give me any information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a victim of identity Theft. My information has been exposed in the XXXX XXXXata breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have shown proof of who I was 5 times to XXXX representatives. I was redirected 3 times. I again accused of fraud. I proved to the bank with passport. But again XXXX told I have fraudulent 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 explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian data XX/XX/2024 The credit reporting company Experian shows several incorrect and irrelevant addresses, misspelled names and a phone number that are no longer relevant and/or are not my most recent address. I attempted to have them removed and was told that previous addresses are relevant to my report. The only name, address and phone number should be XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX. 

Please remove ( 1 ) XXXX XXXX XXXX XXXX XXXX pa XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX pa XXXX ( 3 ) XXXX XXXX XXXX XXXX XXXX pa XXXX ( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX fl 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 explanation
Consumer complaint received 2024-05-29 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: PA

Complaint narrative:
FCRA 605B, I believe, mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Several listed accounts are inaccurate in their reporting, including the amounts and dates.

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 2024-05-29 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: National Collection Systems, Inc.
State: MI

Complaint narrative:
The debt collector in question has been involved in prohibited practices outlined by the FDCPA, which include abusive, deceptive, and unfair actions. They provided information about an account I never agreed to or signed any agreement for. A legal contract requires the participation of both parties, but I was not involved. Furthermore, they failed to adhere to the proper five-step validation procedure, which constitutes unfair practices. As stated by the FDCPA, I am entitled to compensation of {$1000.00} per violation, and their actions have evidently violated my rights. Also, XXXX XXXX has the debt, not the National Credit Management

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
My wife and I have been trying to make a payment to our Amazon Store Card via Synchrony Bank. In order to make a payment, Synchrony requests that I set up a phone number to be used in conjunction with our payment, which we did. Now we have a new phone number. We have asked them at least 5 times to update the phone number associated with our account. Once, the phone number was changed. But the next time we wanted to make a payment, Synchrony had changed the phone number back to the old, defunct number. This morning my wife spent 2 hours both on the phone with Synchrony as well as using Amazon 's chat function. No one answers any questions nor provides any advice ; my wife was basically just on hold for 1 hour. The chat function was also useless with regards to our question. Without being able to update our phone number, or reach anyone who can provide advice, we will not be able to make a payment and will be charged interest on our bill ( which we can pay ).

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 2024-05-29 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: TX

Complaint narrative:
Despite my repeated attempts to address this issue, the fraudulent items remain unresolved. The persistence of these unauthorized transactions on my credit file is a serious concern that has yet to be adequately addressed. The presence of these fraudulent items is not only compromising my financial security but also significantly affecting my creditworthiness. The lack of resolution after multiple attempts to rectify this situation is unacceptable and has caused me considerable stress, inconvenience, and potential financial harm. To support my claim, I have attached all relevant documentation once again, including detailed statements highlighting the fraudulent items and any additional information that could aid in the investigation. I expect prompt updates on the progress and actions being taken until this issue is fully resolved. With this, I am asking for your assistance to or remove the fraudulent items : XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$5200.00} XXXX XXXX Balance : {$210.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX  XXXX XXXX : {$5200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3900.00}.

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 2024-05-29 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: TX

Complaint narrative:
Despite my repeated attempts to address this issue, the fraudulent items remain unresolved. The persistence of these unauthorized transactions on my credit file is a serious concern that has yet to be adequately addressed. The presence of these fraudulent items is not only compromising my financial security but also significantly affecting my creditworthiness. The lack of resolution after multiple attempts to rectify this situation is unacceptable and has caused me considerable stress, inconvenience, and potential financial harm. To support my claim, I have attached all relevant documentation once again, including detailed statements highlighting the fraudulent items and any additional information that could aid in the investigation. I expect prompt updates on the progress and actions being taken until this issue is fully resolved. With this, I am asking for your assistance to or remove the fraudulent items : XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX Balance : {$210.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX : {$5200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00}.

Company response to consumer: Closed with non-monetary relief