vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2023 four separate transactions in the amount of {$1300.00} were made from my account through XXXX that were not authorized by me. I did not receive a notice of fraud or anything. The only reason this was discovered was because I went on my account to check my bank statement. 

I immediately reported the fraudulent charges to Bank of America on XX/XX/2023 and they stated they would look into it. In early XXXX, the {$1300.00} was credited back to my account. On XX/XX/2023 I received a notice in the mail that they were going to take the money out of my account again because they had decided that this activity was consistent with previous activity on my account, which was not true. I have never made a transaction through XXXX of more than {$100.00} and never to either of the two people that the XXXX transactions were sent to. I called Bank of America to again dispute the charges and they reopened the case for reconsideration and said they would make a decision within 2-30 business days. I called on XX/XX/2023, XX/XX/2023 and XX/XX/2023 and spoke to representatives with B of A. I called again on XX/XX/2023 and still no resolution. 

Bank of America then claimed that a text message was received by me on XX/XX/2023 confirming the XXXX transactions. I submitted my phone/text records that showed I did not receive a text on that date regarding that transaction. In fact, I didn't receive a text from anyone on that date. They then moved the goalposts again and stated that it was consistent with previous activity. 

I, again, disputed the charges and stated that it is not consistent with previous activity. They can not prove how they are coming up with this information and I have shown them that it is not consistent. 

I am a XXXX XXXX XXXX XXXX XXXX that had {$1300.00} stolen through XXXX with Bank of America and they are refusing to return the money. There was a known XXXX issue in XXXX- as seen in numerous news articles at that time. Bank of America has not been responsive - I have reached out to them every time. They have never reached out to me to try to resolve this issue.

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 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There have been accounts opened under my identity that I did not allow nor request. I am unaware of any of these accounts with XXXX XXXX XXXX on XX/XX/2021 with Experian. I have been a victim of identity theft. The FTC is already beginning an investigation.

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 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I Have no knowledge of this account, XXXX XXXX ACCOUNT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states NONE of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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 explanation
Consumer complaint received 2023-05-22 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I Have no knowledge of this account, XXXX XXXX XXXX XXXX XXXX XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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 explanation
Consumer complaint received 2023-05-22 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I reported a credit card as lost in XXXXXXXX XXXX XXXX. It is a revolving credit account with XXXX XXXX. The account number I reported lost ends in XXXX. They mailed me a replacement card ending in XXXX. Equifax is reporting I have both accounts active. They are the only credit bureau who is reporting this incorrectly. I have filed disputes on XXXX, XX/XX/XXXX. 
All disputes resulted in them making no changes. They claimed they contacted XXXX XXXX  and confirmed I have 2 accounts, which I dont. I have a letter from XXXX XXXX  stating I have only the one account ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have an account reporting on my all three of my credit reports from XXXX XXXX, I am a victim of identity theft, I disputed the charge with XXXX and the account was reported again as a valid debt, I would like to know what information was used to show that this debt is valid, I want validation of the debt showing that it belongs to me, I never had an account with XXXX, I need the original application and proof that I opened this account. I do intend to file a suit if this information isn't corrected and removed 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 2023-05-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have an account reporting on my all three of my credit reports from XXXX XXXX, I am a victim of identity theft, I disputed the charge with XXXX and the account was reported again as a valid debt, I would like to know what information was used to show that this debt is valid, I want validation of the debt showing that it belongs to me, I never had an account with XXXX, I need the original application and proof that I opened this account. I do intend to file a suit if this information isn't corrected and removed 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 explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Care Credit will not honor a {$3000.00} promotional XXXX XXXX XXXX I was promised. I used it at the hospital for my son and was told it was XXXX. However Care Credit is now saying they swiped it as a XXXX. I could have used any other of my cards for a promo, but this is my HEALTH CREDIT CARD that we have used for over $ XXXX in the past. They are a predatory lender and use misleading information at the hospital and doctors offices. They misappropriate payments when you are on promotional balances. They are bullies and their representatives do not care about their customers

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 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my credit report there's an account listed as " XXXX XXXX '' that is PAID and needs to be removed from my account 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 2023-05-23 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: GA

Complaint narrative:
Please adhere to FCRA 15 U.S. Code 1681c2. Please delete within the next 4 days. See the attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: NY

Complaint narrative:
Someone got a hold of my XXXX XXXX card with moneylion and charged more than {$1000.00} all in one day. Moneylion claims that because he used my PIN, the charges can't be refunded.

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 2023-05-22 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
i reached out to experian as well as XXXX and they told me that a woman i have never hear of in my life put me in her XXXX XXXX  bankruptcy also Experian is saying XXXX is getting there information through pacer I never gave nor do I have an account with XXXX the United  bankruptcy court say they dont give out this information so how does pacer have it this has caused me to be unable to get a home loan, business loans, car loans and much more. i demand this be removed from my credit reports also Experian is saying theyre getting it from the bankruptcy court but then XXXX XXXX are saying there getting from XXXX  thats an accurate 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 2023-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My information was used to apply for a Synchrony/JCPenny credit card without my permission on XX/XX/2021. It then was used to pay XXXX dollar also while I didn't know anything about 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 non-monetary relief
Consumer complaint received 2023-05-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but Transunion, XXXX, and XXXX has been reported as follows : XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$2200.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. 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 an 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 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 2023-05-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My FICO score being reported by Equifax is incorrect. When I log in to their system, the explanation provided online is : " Key Factor ( s ) Affecting Your FICO Score : 1 Serious delinquency FICO Scores consider the presence of a serious delinquency ( very late payment ) on a persons credit report as a powerful predictor of future payment risk. Your score was impacted because your credit report shows one or more serious delinquencies.

2 Too few accounts currently paid as agreed FICO Scores consider the number of accounts that are paid as agreed. Your score was impacted because the number of these accounts is too low, or because you've missed payments recently on some of your accounts. '' I have ordered and reviewed my credit reports from all three bureaus and there are no past due accounts and no delinquencies reported. 

I have called Equifax twice, XX/XX/2023 and XX/XX/2023 to ask specifically what the " Serious Delinquency '' is and which accounts are not paid as agreed. They have told me that there is no negative information in my credit file. They just state that " It is the " algorithm ''. When I ask them why these two items are specifically called out, they have no answer. 

My FICO score has been above XXXX in the past and nothing has changed in my personal circumstances. 

Please help. 

Thank you, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon EQUIFAX, I found that my consumer file is being irresponsibly tampered with. Over the past XXXX months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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: VA

Complaint narrative:
I did not authorize them, and they are causing me a great deal of distress. I urge you to rectify this error as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had an account with XXXX XXXX that went into charge off status in XXXX of XXXX. Due to XXXX nothing was moving accurately in the economy. The company offered me a settlement in XXXX but they were charging interest on a charged off account. I made 2 payments towards the {$600.00} but realized they were not updating my account. I submitted a complaint with CFPB but no action was taken. It is XXXX I have disputed the error with the credit bureaus and now XXXX is reporting the account as closed every few days. Every week I received communication that XXXX has reported my account closed as of XXXX. This account was charged off in XXXX and they are reporting the account as charged off every month with an incorrect amount as to what balance is That is not FCRA legal. I have disputed to company XXXX and credit bureaus of the inaccuracies. They are not properly investigating my disputes with this company. I have sent certified letters to be able to track my communications costing me money and the discrepancy if affecting my livelihood. How can the same account be closed this many times. This company is practicing illegal reporting practices. It has severely lowered my score because it looks as if I just closed an account and I have not the account has been charged off since 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 2023-05-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had an account with XXXX XXXX that went into charge off status in XXXX of XXXX. Due to XXXX nothing was moving accurately in the economy. The company offered me a settlement in XXXX but they were charging interest on a charged off account. I made 2 payments towards the {$600.00} but realized they were not updating my account. I submitted a complaint with CFPB but no action was taken. It is XXXX I have disputed the error with the credit bureaus and now XXXX is reporting the account as closed every few days. Every week I received communication that XXXX has reported my account closed as of XXXX. This account was charged off in XXXX and they are reporting the account as charged off every month with an incorrect amount as to what balance is That is not FCRA legal. I have disputed to company XXXX and credit bureaus of the inaccuracies. They are not properly investigating my disputes with this company. I have sent certified letters to be able to track my communications costing me money and the discrepancy if affecting my livelihood. How can the same account be closed this many times. This company is practicing illegal reporting practices. It has severely lowered my score because it looks as if I just closed an account and I have not the account has been charged off since 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 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have tried several times to have my current address updated and to have the previous addresses removed without success. As per the request of the companies, I submitted copies of my social security card and driver 's license in addition to pay stubs and bank statements. To date the changes have not been made.

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