vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
BANK OF AMERICA has an amount of {$440.00} ( which they state is " accurate '' on my consumer report but sent a 1099 for XXXX $ which I have no idea what it is for. I have sent a notarized letter, yet no response has been attempted. BANK OF AMERICA has not asked for my permission to place anything on my consumer report and I am aware I am not only to give permission but receive notice of them asking for permission as well as given the option to opt out. 

As a charge off, it becomes income ( certificate of indebtness ) in which a XXXX to file on taxes and is not suppose to be on my consumer report as income.

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 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I filed a complaint with CFPB around XX/XX/XXXX because USAA would not give me an explanation on why they were refusing to do business with me they responded that they were in able to determine my eligibility XX/XX/XXXX I asked them to escalate the matter because I was never informed about the decision ultimately, I became an employed XX/XX/XXXX which one confirms Im eligible for their products yet they still are refusing to unblock my accounts to banking, life and property and casualty products

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I've had 3 accounts, with the same bank. It's a local bank, and they don't release any credit information.

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 2024-03-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: TN

Complaint narrative:
I hadnt logged into my crypto.com account in some time and now that I try it says my device is jailbroken even though it isnt. Ive tried multiple devices, Ive contacted them via XXXX ( XXXX ), email, their support chat and can not get any kind of response or help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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.
State: IN

Complaint narrative:
I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

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 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX, XXXX Account Number : 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 2024-03-18 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:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

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 2024-03-19 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:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible : 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 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 explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/year> I sent Transunion a credit dispute letter to remove incorrect information from my credit report via certified mail. In response on XX/XX/year>, Transunion stated that I didn't not send the correct verification information such as my Driver 's License, Socials Security Card, and a Bill to verify my address. 

This information is incorrect because I sent all of the items stated above. Attached is proof that I sent this information.

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 2024-03-18 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: CA

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAVE A FRAUDULENT ACCOUNT XXXX XXXX XXXX. IN THE AMOUNT OF {$650.00} ON MY REPORT. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. IT IS HURTING MY ABILITY TO OBTAIN CREDIT ALSO I DO NOT RECOGNIZE, NOR DID I GIVE XXXX XXXX XXXX AUTHORIZATION TO CONDUCT A HARD INQUIRY ON MY REPORT DATED XXXX. PLEASE REMOVE THAT AS WELL

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my 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 2024-03-18 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: CA

Complaint narrative:
Theses Account have Affected my credit. # XXXX # XXXX # XXXX  # XXXX  # XXXX  according to the fair credit reporting act ( FCRA ) 605B Its is illegal to report information on my Credit report without my permission please remove these items 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 2024-03-18 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:
Theses Account have Affected my credit. # XXXX # XXXX # XXXX  # XXXX  # XXXX  according to the fair credit reporting act ( FCRA ) 605B Its is illegal to report information on my Credit report without my permission please remove these items from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: M&T BANK CORPORATION
State: NY

Complaint narrative:
I have a line of credit, XXXXcredit card with M & T Bank . I lost my credit card on XX/XX/2024. I called to speak to a customer service representative to report the card lost. I spoke with a representative to review a list of charges before sending me a new card. I lost my card on XX/XX/XXXX. When the representative went to review the summary of charges, they found a transaction for {$5700.00} from XXXX XXXX was charged on my card which I did not authorize on XX/XX/2024. ( XXXX days after it was noted that my card was lost which was XX/XX/2024. I did not receive a fraud alert notification for the transaction of {$5700.00} from XXXX XXXX. I did not receive any fraud alert via email or text about this transaction. Because of this, this fraudulent transaction was allowed to go through without my knowledge. I was not able to reject and deny the transaction because of the lack of alerts. M & T Bank initially went through with my fraud claim. A customer service representative I spoke with over the phone told me that the charge would be reversed and credit would be granted. The fraud claim was later rejected. This was different and opposed to what was originally assured to me. This is my 1st fraud claim with M & T Bank. Transactions like these should have fraud alerts to notify the cardholder. Unfortunately, M & T Bank never gave me one. The charge is unusual and uncharacteristic with the history of charges made on my M & T Bank credit card. I have not ever made CC charges with the XXXX XXXX merchant in the past. The unauthorized fraud charge of {$5700.00} from XXXX XXXX is back and still on my M & T Bank CC account. This unfortunate circumstance is a huge inconvenience to me. If this situation isnt, handled properly I will never bank or do business with M & T Bank again.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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:
XXXX of XXXX bank continue to report incorrect information. In XX/XX/2023 they accepted a payment agreement with XXXX of XXXX. The amount submitted by XXXX or XXXX was {$81.00}, synchrony bank accepted this with a note that they wanted to chnage the amount. 

As per XXXX of XXXX that is the incorrect way to do it as its accepted in the system. XXXX bank should have declined the proposal and submitted a new one. XXXX of XXXX said that XXXX is aware of the correct way to ask for a payment change and the error was on their end as they accepted the proposal. Each month I made payment to XXXX of XXXX and it was made to XXXX bank for the accepted proposal. XXXX bank made the mistake. XXXX of XXXX contacted XXXX bank, they realized what the error was and I was told I didnt need to pay the past due as it was XXXX XXXX XXXXXXXX they were going I fix in their system. XXXX did fix my credit report that month but didnt update their system. 

I have the correspondence between synchrony including proof they accepted the {$81.00} proposal, adding a note of different payment is not the correct way to do it, they had to decline the proposal. If this is not fixed on my credit report I will be contacting a consumer credit lawyer.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
XXXX XXXX XXXX VIA CERTIFIED MAIL XXXX XXXX, CA XXXX Discover : XXXX # XXXX Subject : Urgent Request : Immediate Correction of Credit Reporting Errors To Whom It May Concern, I am writing to urgently request the immediate correction of errors in the reporting of my credit account status by all three major Credit Agencies XXXX This pertains to my credit card account with Discover Card, account number ending XXXX Attached statement. 
The erroneous reporting, particularly regarding late payments, has severely impacted my credit scores. Despite my continuous efforts to manage my finances responsibly, these inaccuracies have tarnished my creditworthiness. 
I have already demonstrated my commitment to rectifying the situation by unconditionally paying off the entire outstanding balance immediately upon realization of the reporting errors WHICH RECIVED BY ATTACHED STATMENT XX/XX/2024. 
Given the time-sensitive nature of this matter, I request that expedite the correction process and update my credit report within the next 10 days. Time is of the essence, as any further delay could have significant implications for my financial future.

I implore Discover Agency Name to prioritize this request and provide confirmation of the correction once completed. 
Your immediate attention to this matter is crucial, and I appreciate your cooperation in resolving this issue swiftly. 
Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have no knowledge of this debt or know knowledge of whom this company is. I have sent out a proof of validation letter on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 

RECEIVABLE MGMT SVCS ( Original Creditor : XXXX ) ACCORDING TO THE FCRA IT IS A VIOLATION. I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.

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 2024-03-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation