vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Federal Credit Control, Inc.
State: NC

Complaint narrative:
I am writing to file a formal complaint regarding invalid debts that have been erroneously listed on my credit report. Upon reviewing my credit report, I discovered a debt that has been attributed to me by First Fed Credit Control, without any prior communication or knowledge from their end. 

I would like to bring to your attention the following details : *Lack of Account Information : First Fed Credit Control has not provided me with any account number or relevant details regarding the alleged debt. As a result, I am unable to verify the authenticity or accuracy of the debt.

*Absence of Communication : I have not received any correspondence, written or verbal, from First Fed Credit Control regarding the debt in question. This lack of communication raises doubts about the legitimacy of the debt and suggests possible fraudulent activity.

*No Recent Inquiries : To the best of my knowledge, I have not initiated or authorized any recent inquiries or transactions that would lead to the existence of a delinquent account. This further supports the notion that this debt is a result of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Inviolation of the Fair Credit Reporting Act, Bank of America refuses to removed a delinquency int he 3 credit reporting agencies. This was fraud during an account takeover. In spite of the fact I reported the fraud when it occurred on XX/XX/XXXX ( 4 credit cards were involved and the credit card fraud dept had no clue about 3 of them until I reported them. ) They were aware ( see screen shot around XX/XX/XXXX as well as previous response from their regulatory complaints dept dept acknowledging these frauds were reported on XX/XX/XXXX. Email is attached proving this was reported. 3 of the credit card fraud cases were settled but the person handling the card now ending in XXXX did absolutely nothing until XX/XX/XXXX - total ineptitude and no fiduciary responsilbility as well as blatant violation of the Fair Credit Reporting Act. To make matters worse, during the account takeover, the thief fraudulently obtained cash advances, transferred the stolen funds into his Bank of America checking account ( I know this because of the attached police investigation report. ) Instead of going after the thief, knowing his name, address, BOA checking account number and computer IP address, that person insisted on holding me responsible. There was also a violation of the Electronic Funds Transfer Act when the bank should have realized this was a fraud- I did receive a call after the fact ) It wasn't until XX/XX/XXXX when I was finally told to file a claim with the checking account fraud dept. I filed the claim on XXXX XXXX, XXXX. It took checking account fraud until XX/XX/XXXX to realize the violation of EFT and they sent me a letter and the funds for the entire fraud amount ( see attached ). I refused to pay the XXXX account balance which with interest and late fees was {$1900.00} since it was a fraudulent cash advance which I reported. Not my fault there was ineptitude in it not being worked until XXXX XXXX, XXXX. The credit card fraud dept was recalcitrant and refuses to close the case. With the funds from the checking account fraud, I paid the fraudulent card off. ( First,, I paid {$230.00} to bring it up to date. I had just hired an attorney and would have sued BOA.How can Bank of America get away with ignoring bank regulations? Last week I sent an email to XXXX XXXX XXXX and XXXX had called me. She was able to have the additional finance charges refunded to me since it was fraud and the total settlement did not cover the subsequent finance charges. She told me she requested the delinquency be removed but couldn't promise. Obviously, in spite of XXXX requesting the delinquency b removed since the bank was in violation of the Fair Credit Reporting Act, they are adamantly refusing.

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 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Summary : Two Incomm issued XXXX prepaid cards I purchased on XX/XX/XXXX and XX/XX/XXXX were either faulty or tampered with. Incomm had promised resolution of this case within 30 days but has exceeded that deadline, and have not even responded or confirmed that they have received my case documents. 
Incomm Provided Case Number : XXXX On XX/XX/XXXX : I purchased a Visa Gift card from XXXX. 
On XX/XX/XXXX : I purchased a second XXXX gift card from XXXX. I opened both gift cards and noticed signs of damage inside the packaging, including marks on the cards and used sealant glue. I attempted to use these two cards at a store and the magnetic stripes on the cards were not able to be read. I called Incomm customer support at XXXX and filed a case to report the cards as tampered with. I was provided with a case number and asked to email photographs of the cards and receipts to Incomm at XXXX, which I did immediately. Incomm 's customer support representative provided a timeframe of 10-30 days for the case to be resolved and replacement cards to be mailed. 
On XX/XX/XXXX : I had not received a confirmation of receipt of my email or any other contact from Incomm. I called Incomm at XXXX and asked them to confirm that they had received the requested documents from me that I had emailed already on XX/XX/XXXX. The representative said they could not provide confirmation that the documents were received. 
On XX/XX/XXXX : I received an email from Incomm requesting the documents for my case. As stated, I had already emailed the documents on XX/XX/XXXX. 
On XX/XX/XXXX : I resent the documents to the provided email address from Incomm and asked that they respond to the email, so I could confirm that they were receiving them. 
On XX/XX/XXXX : I resent the documents to the provided email address from Incomm and asked that they respond to the email, so I could confirm that they were receiving them. I enabled " read receipt '' of the email and got a notification the email was read. 
No other communication between us happened outside these dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: MD

Complaint narrative:
PNC sucks, they are intentionally delaying my dispute resolution! The details provided, in this instance, were sufficient enough, for an expeditious decision! Ive escalated this XX/XX/XXXX, to the office of the president. In hopes of expeditiously resolving, and STILL my dispute remains pending. Ive complied with all documentation request, and requested a senior level, supervisory review. Yet, theyre prolonging this, for the full 90 days. If I were a wealthy client, working with wealth management, this wouldve been resolved more efficiently! My dispute with the XXXX XXXX XXXX, started sometime end of XXXX, early XX/XX/XXXX. I didnt receive my refund, for an unused loan, the funds were returned to the company XX/XX/XXXX! Per their policy, my refund would be issued via check, in 14business days! Since they failed to follow procedure, I disputed with PNC! Provided proof of the funds being returned, yet PNC is taking the full 90 days, to issue my credit. They also never provided my provisional credit either! I feel, all of this is intentional, since I escalated a complaint. My rep also hasnt been helpful, whatsoever! Our last conversation, was XX/XX/XXXX with no updates!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-18 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: GOLDMAN SACHS BANK USA
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: IN

Complaint narrative:
I changed my legal name in XXXX of XXXX. On XX/XX/XXXX, I realized that my name still had not been changed with this credit bureau, so I started the process by calling them. They told me to submit a copy of by SSN card and driver 's license. I submitted both of them, then they told me they rejected it because I didn't attach a letter requesting my name change. I sent the information again with a letter, then it was rejected because they said that the letter didn't have the right information. I asked very specifically what information needs to be on the letter and copied exactly what they said. I sent it again, and this time it was rejected without giving me a reason as to why. I was told to file online, but, when I attempted to do so, I was given an error that says that I can not dispute this information because there is already a dispute under investigation, despite the fact that every dispute I filed has since been closed according to their website. Because of this, I have been unable to utilize my credit to get a loan, or lease an apartment. I want my name changed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I'm deeply concerned about how my rights as a consumer are being violated due to the unauthorized and inaccurate information being reported on my consumer report by XXXX, XXXX, and Equifax. It's incredibly frustrating to see these credit reporting agencies mishandle my personal data, especially considering their crucial role in assessing my creditworthiness. The fact that unauthorized information has found its way onto my consumer report is a clear breach of my right to privacy. I've always believed that I have control over my personal information, but with this inclusion of accounts I never opened and activities I never engaged in, my privacy is being compromised, leaving me vulnerable to potential identity theft or fraud. What's even more disheartening is the impact of these inaccuracies on my right to fair and accurate credit reporting. I've always strived to maintain a good financial standing, knowing how crucial it is for my future endeavors. However, with XXXX, XXXX, and Equifax reporting inaccurate information, my credit profile is being distorted. This can lead to unfavorable credit decisions, higher interest rates, and even difficulties in securing loans or finding employmentultimately hindering my financial opportunities. The repercussions of these violations extend beyond my immediate concerns. They have the potential to harm my reputation and overall financial well-being. Lenders, landlords, and potential employers often rely on credit reports when making important decisions about my eligibility. With unauthorized and inaccurate information tarnishing my credit profile, I may face loan denials, higher interest rates, housing rejections, or missed job opportunities. It's disheartening to think that these violations can have such long-lasting effects, hindering my ability to achieve my goals and maintain financial stability. In light of these violations, it's crucial for me to take immediate action to rectify the situation and ensure that my consumer rights are protected. I need to assert my rights to privacy, fair credit reporting, and the opportunity to dispute and correct errors. By doing so, I can work towards restoring the integrity of my consumer report and safeguarding my financial future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are mailable addresses that are not accurate on my credit report that I did not give anyone the consent to add information on. 

The address that should be on file is the one that i publicly live at, which is public information so where are you getting your information from? Why is it incorrect on my credit report? 

This is identity theft because not only is this stuff incorrect but you didnt get my consent to put this on my credit report or reach out to see if it was correct that would have been the honarable thing to do.

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 2023-07-18 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: AL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are mailable addresses that are not accurate on my credit report that I did not give anyone the consent to add information on. The address that should be on file is the one that i publicly live at, which is public information so where are you getting your information from? Why is it incorrect on my credit report? This is identity theft because not only is this stuff incorrect but you didnt get my consent to put this on my credit report or reach out to see if it was correct that would have been the honarable thing to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: UHG, LLC
State: MO

Complaint narrative:
I did not receive notification of the debt owed. When I contacted this company they ignored my communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Inquiries that I don't recognize.on my Credit Report. I have Contacted the companies for relief and all 3 Credit Bureaus, I have also attached Identity theft affidavit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Inquiries that I don't recognize.on my Credit Report. I have Contacted the companies for relief and all 3 Credit Bureaus, I have also attached Identity theft affidavit

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 2023-07-18 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: AL

Complaint narrative:
i sent letters to Transunion and XXXX for inaccurate reporting items on my credit report per 15 USC 1681b see attachments below

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 2023-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I complied with a notarized letter to all three credit bureaus so that can report correctly.. 

What is the 15 USC 1635 right to rescind auto loan?

1635, allows obligors a no questions asked right to rescind certain consumer credit transactions within a proscribed time period. Where a lender has provided an obligor with proper disclosure of credit terms, the obligor shall have the right to rescind the transaction until XXXX  of the third business day.

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 2023-07-18 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: IL

Complaint narrative:
I complied with a notarized letter to all three credit bureaus so that can report correctly.. 

What is the 15 USC 1635 right to rescind auto loan?

1635, allows obligors a no questions asked right to rescind certain consumer credit transactions within a proscribed time period. Where a lender has provided an obligor with proper disclosure of credit terms, the obligor shall have the right to rescind the transaction until XXXX  of the third business day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-07-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief