vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-12 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: CO

Complaint narrative:
On XX/XX/2023 I had made a purchase for airline tickets that was blocked by the fraud department of my Bank of America Credit Card. The message sent to me said that the charge was declined and asked if I had made the charge. My account was frozen until a response from me was made. I confirmed that I did the charge but their next message said that if the charge was declined that I would have to contact the merchant and request that the charge be reprocessed, otherwise I did not have to do anything. I was told this charge was declined and would remain declined. However the merchant continued to send authorizations until the charge went through. I did not authorize them to continue billing my account. The charge was declined and shoule have remained declined. I called Bank of America when the charge posted to my account and told them what had happened. They refused to stop the merchant from billing my account after it was declined and then they refused to acknowledge their own messages to be accountable for the charge posting. Every time I called in they made the excuse that they did not have the message in front of them and could not reference it. I offered to send the text correspondence to them, they refused to consider it. They said the charge was allowed and I have to pay it, against what the text message instructed. When the charge was declined, I made other arrangements and did not want this flight... .I did not use the ticket and now am having to pay for something that I did not use and they allowed to go through on my account that should not have processed after they declined it. I did not go back to the merchant and authorize the charge a second time. I want my card balance with any late fees and interest to be refunded. I have closed this account as I do not want to do business with this company. They caused this problem. If the fraud department wanted to flag something they could have called me and take care of things directly, but that is not the level of customer service they provide.

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 2024-01-12 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 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 may have for this request. 
XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: TX

Complaint narrative:
i reviewed my consumer reports and noticed i had a late payment on an account that was never late for. the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included in the screen shot in side this compliant in on the dates of XXXX XXXX XXXX please investigate and provide proof with statements showing that these payments were late. if proof cant be provided i demand theses payments be updated to paid as agreed on time as they should due to the fact i was never late thanks! please see screen shots attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I have been trying for several weeks to get my credit report. I even uploaded my Social Security card, drivers license and proof of residence 3 times and have yet to hear back! I even contacted XXXX through the membership email and they commented back once and then now they wont respond at all

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 2024-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I wrote a personal check to a XXXX XXXX XXXX XXXX XXXX XXXX for the company she worked fo. The amount was {$48000.00} on XXXX XXXX  by depositing in their XXXX XXXX account. Once it went through the banks system XXXX XXXX refused to honor the check I wrote the company. I have and will attached those documents. The reason being " irregular '' endorsement of mine and XXXX XXXX would not honor the check. and would be returned to the maker, which was me. The attached letter was sent to the company the check was written to. They in turn was very upset and sent me a copy of the letter XXXX XXXX refused to honor. The letter was dated XX/XX/. I was so discouraged I nearly had a breakdown. The Managers from XXXX XXXX and Citibank were not very helpful except ran an account report. One said from Citibank said he has seen this kind of letter and it was not worth the paper it was written on and the scammers do that all the time. I want my money returned to me as it has been so long. I have been waiting way to long without the bank ( s ) real assistance. My XXXX XXXX XXXX XXXX has been impacted by this terrible situation.

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 2024-01-12 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: NJ

Complaint narrative:
All the accounts listed on the Identity Theft report are on my credit profile without my permission. Pursuant of 15 USC 1681b anything reporting on my credit report must have my consent, to do so without my permission is a violation

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 2024-01-12 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:
I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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 explanation
Consumer complaint received 2024-01-12 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. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to bring to your immediate attention a serious matter regarding the inaccurate information present on my credit report. After a thorough review of my credit report, I have identified an error that demands your urgent attention and correction. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
Upon reviewing my credit report, I discovered that there is an identity-related entry that does not belong to me. This discrepancy is causing severe harm to my creditworthiness and financial standing. The inaccurate information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to emphasize the urgency of this matter and request that you promptly investigate and rectify this error. This erroneous information is not only damaging my credit score but also poses a significant risk to my financial well-being. 
I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which grants me the right to dispute inaccurate information on my credit report. I am exercising this right and demanding the immediate removal of the incorrect identity information mentioned above. 
I expect you to conduct a thorough and expedited investigation into this matter and ensure that my credit report accurately reflects my identity. Failure to address this issue promptly will leave me with no choice but to pursue legal action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to bring to your immediate attention a serious matter regarding the inaccurate information present on my credit report. After a thorough review of my credit report, I have identified an error that demands your urgent attention and correction. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
Upon reviewing my credit report, I discovered that there is an identity-related entry that does not belong to me. This discrepancy is causing severe harm to my creditworthiness and financial standing. The inaccurate information is as follows : 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 I would like to emphasize the urgency of this matter and request that you promptly investigate and rectify this error. This erroneous information is not only damaging my credit score but also poses a significant risk to my financial well-being. 
I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which grants me the right to dispute inaccurate information on my credit report. I am exercising this right and demanding the immediate removal of the incorrect identity information mentioned above. 
I expect you to conduct a thorough and expedited investigation into this matter and ensure that my credit report accurately reflects my identity. Failure to address this issue promptly will leave me with no choice but to pursue legal action to protect my rights.

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 2024-01-12 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: 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.

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 2024-01-12 00:00:00
Product: Credit card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello -- On XXXX I made a purchase on my capital one credit card ending in XXXX with Walmart for the amount of XXXX. Subsequently several items were not in stock and not delivered, some items Walmart claimed to deliver but didn't, and a bunch of items were bad quaity. I provided aboundant documentaiton verbally and electronically to Capital one to help ajudicate the dispute in my favor, yet they declined it twice. I am asking you to step in and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
I was trying to do a modification through this mortgage company.. appear and they may be doing a long way over almost 6 months. A modification and I still get it they gave me a modification to lower my payment but I found out that they sold part of my loan to another company.. that put a link on my house that I didn't know anything about until I try to get. A home equity loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 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 2024-01-12 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2024-01-12 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
Hello, I am leaving this review about the company because they've harassed me by call me between the hours of XXXX as stated by Washington state law ( code : Wash. Rev. Code 19.16.250 ) that they can't do. Also, they have stated that a confirmation email provided by the company says that I did pay XXXX of the alleged XXXX isn't enough sufficient evidence. They also keep calling me and emailing after I've asked them to stop. Also, they added {$6.00} as interest from them from the initial {$320.00} that they allege that I owe ( which I don't think they're allowed to do ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I need to assure that these accounts being reported have been fully verified by this agency. I do not want items reported which are not 100 % accurate.

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 2024-01-12 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: NJ

Complaint narrative:
All the accounts listed on the Identity Theft report are on my credit profile without my permission. Pursuant of 15 USC 1681b anything reporting on my credit report must have my consent, to do so without my permission is a violation

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 2024-01-12 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: NJ

Complaint narrative:
All the accounts listed on the Identity Theft report are on my credit profile without my permission. Pursuant of 15 USC 1681b anything reporting on my credit report must have my consent, to do so without my permission is a violation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft, and I have reported this matter to the authorities. It is perplexing that while other credit bureaus have promptly recognized and removed these fraudulent accounts, TransUnion appears to be ignoring my legitimate requests. 
List of Fraudulent Accounts : XXXX XXXXXXXX PLEASE DELETE!!! XXXX have already removed this account from their records.. 
XXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXX XXXXXXXXFRAUD, PLEASE DELETE!!! 
The Fair Credit Reporting Act ( FCRA ) grants consumers the right to accurate and fair reporting of their credit history. I demand an immediate and thorough investigation into these matters, with the removal of the fraudulent accounts 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 2024-01-12 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: Self Financial Inc.
State: LA

Complaint narrative:
I recently reviewed my Consumer Report where I discovered that ( SELF/XXXX XXXX XXXX ) reported what was notated as a ( LATE PAYMENT ) ( Date- type of contract ) on my credit report. In pursuant to title 15 U.S.C. 1666b, No creditor should treat a payment under an open-end consumer credit plan as a late payment. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my consumer report should be based in accordance with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: PA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
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 explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: TX

Complaint narrative:
Constantly texting my phone about a debt that is not mine, reported on my credit

Company response to consumer: Closed with non-monetary relief