vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-09 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: PA

Complaint narrative:
XX/XX/2023 I have tried to dispute all of these accounts with XXXX XXXX XXXX Bank and have not had any success. 
They all need to be removed from all XXXX  credit bureaus ASAP I am now coming to you for help Please inform ASAP Thank you In accordance with The Fair Credit Reporting Act pconsumer rights to privacy and confidentiality under 15 USC 1681 Account Names XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX Account number XXXX Amount XXXX 15 USC 1681 section 602a States I have the right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 c 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 XXXX  years 15 USC 1681 s-2a1 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 2023-02-09 00:00:00
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX by comenity Bank. Has billed me for merchandise without sending the merchandise. Because I told them I didn't want it due to the fact, they said it could take 20 days! they have reported the balance to the credit bureaus, and damaged my XXXXredit score... they refused to send the merchandise or remove it from my bill!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN

Complaint narrative:
I was given fraudulent wire instructions for the closing costs on a new home purchase. I submitted the wire transfer request with the bank who did not call me to authorise a $ XXXX wire transfer request. It was sent without them contacting me to verify the details on such a large transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: LEXISNEXIS
State: AZ

Complaint narrative:
XXXX. Lexis Nexis is violating the law for NOT removing the wrongful false entry on my XXXX XXXX report from XXXX XXXX XXXX XXXX ( see attached ) XXXX XXXX XXXX is their insured who broke my ankle. THIS IS NOT MY LOSS. 

FCRA : DELETE IMMEDIATELY, it is not loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
There have been multiple attempts to open XXXX Credit Cards and XXXX Bank Credit Cards in my name. 
Someone successfully opened a Comenity XXXX XXXX XXXX card in my name. 
Someone has done a change of address for me, and I did not receive my mail for several days. 
These 3 issues have been resolved. 
This morning I was alerted to 2 new Comenity Bank Cards opened in my name. Working to close these accounts. 
I have put Fraud Alerts and Credit Freezes on my reports as of Monday. 
These cards all show dates before the freezes and alerts were placed. 
Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I am writing to file a complaint against TrueAccord, a debt collector, for violations of both the Fair Debt Collection Practices Act ( FDCPA ) and the Electronic Communications Privacy Act ( ECPA ). I was initially concerned because, on XXXX XXXX, 2023 at XXXX AM PST. I received an unsolicited email from TrueAccord regarding a debt that I allegedly owe to XXXX XXXX. Upon further review of the contents of the email, I realized that TrueAccord also violated several provisions of the FDCPA. 

Specifically, the email contained the following violations : Unlawful contact by email : The Electronic Communications Privacy Act ( ECPA ) prohibits debt collectors from contacting consumers by email without their prior express consent. I did not provide TrueAccord with my consent to contact me in this manner. 
Threatening to assume the debt is correct if the consumer does not dispute it : The statement " If you do not, we will assume that our information is correct '' could be seen as a threat to assume the validity of the debt without giving the consumer an opportunity to dispute it. This is a violation of my rights under the FDCPA.

Failure to provide validation notice : The FDCPA requires that debt collectors provide consumers with written notice of their rights to dispute a debt within 5 days of the first communication. The email did not contain this information, and I was not informed of my right to dispute the debt in writing.

Threatening to take action that is not legally allowed : The statement " We will use any information you give us to help collect the debt '' could be seen as a threat to take action that is not legally allowed, such as contacting the consumer 's employer or family members. 
Using unclear language : The statement " Call or write to us by XX/XX/2023, to dispute all or part of this debt '' is unclear and could be misinterpreted by the consumer. 

Use of obscene, profane, or other abusive language : The email contained language that was abusive, threatening, or otherwise harassing in nature, which is a violation of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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:
There are multiple accounts on my credit reports that I have been disputing for sometime now, at least for almost a year. I have reached out to all consumer reporting agencies requesting verification of debt, how did they verify the debts well as why are my accounts being re-aged. Out of all of the disputes Ive sent, I have only received a response back from one bureau and it was only in the months of XXXX and XXXX and I have been disputing these accounts since XXXX of 2022. 

XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : Only response was from XXXX. XXXXXXXX XXXX  Transunion failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : Only response was from XXXX. XXXXXXXX XXXX Transunion failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 It is my right as a consumer to dispute inaccurate information from my credit reports and at my request, any consume reporting agency must respond and acknowledge my dispute request as well as complete a proper investigation. All three bureaus, XXXX, Transunion XXXX XXXXXXXX is in violation of the credit laws by ignoring my disputes and I am demanding that these inaccurate accounts are deleted from my reports due t their negligence on following proper consumer regulations.

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 2023-02-09 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: TX

Complaint narrative:
There are multiple accounts on my credit reports that I have been disputing for sometime now, at least for almost a year. I have reached out to all consumer reporting agencies requesting verification of debt, how did they verify the debts well as why are my accounts being re-aged. Out of all of the disputes Ive sent, I have only received a response back from one bureau and it was only in the months of XXXX and XXXX and I have been disputing these accounts since XXXX of 2022. 

XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : Only response was from Equifax. XXXXXXXX XXXX XXXXXXXX failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : Only response was from Equifax. XXXX XXXX XXXXXXXX failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 It is my right as a consumer to dispute inaccurate information from my credit reports and at my request, any consume reporting agency must respond and acknowledge my dispute request as well as complete a proper investigation. All three bureaus, Equifax, XXXX and XXXX is in violation of the credit laws by ignoring my disputes and I am demanding that these inaccurate accounts are deleted from my reports due t their negligence on following proper consumer regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Ive recently submitted disputes to all XXXX of the major credit agencies in hopes of cleaning up errors on my credit report. I own a XXXX company that I literally jumped in and grew with no help, just hard work and determination. Ive recently started having problems with getting better contracts and clearances because of the items being reported on my credit report. With the help of the internet Ive learned how to properly communicate with the credit agencies in order to get these items removed. Experian has notified me that they will no longer work on my disputes because they didnt think it was me writing the letters in spite of me including identifying items like my drivers license and mail with my current address. What is it about me that would make them assume that it was not me? Was it because my photo identifies me as an XXXX American man? Are they suspicious of me because of my hair or the way I look in my photo that Im not intelligent enough to fight for the rights the The Fair Credit Reporting Act gives me as a consumer? Considering they dont know me, what other reason can it be other than XXXX? Whatever the reason, I'm highly offended that by taking action to improve my credit report that they would try to hinder me in this way. The things they report about me are required to be done with great accuracy. Their reporting has a direct impact on how I pay my bills and feed my family. Not investigating my dispute after Ive notified them of errors is a direct violation of The Fair Credit Reporting Act. I have been researching and I know that this violation is a fineable offense and I am not above taking legal action next. Im filing this complaint to put on record as notice to this organization and others of their XXXX tactics designed to stop minorities from improving their credit.

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 2023-02-09 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: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Checkr, Inc
State: IL

Complaint narrative:
This company put outdated information on my report which lead to me being unable to work thru variably violating my rights an ran me thru the mud which is a federal offense

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: NY

Complaint narrative:
I leased a new car through XXXX XXXX XXXX XXXX XXXX and the dealer took the info to have the lease payments automatically debited from my account. I attempted to setup an online account and XXXX had an issue with the account and could not set it up for a number of months. Once they set up the account online, I saw the account was past due. I asked the dealer and they forgot to submit the required forms to remove the lease payments from my account. I remedied the account right away and brought it current. I called XXXX and explained to them how this late payment was their error due to the dealer negligence and their inability to open the online account in a timely manner. I also explained that I have multiple auto loans and mortgages through XXXX and have never been late on a payment. I also let them know that they had my phone and email and never contacted me that the account had gone past due and the only reason I knew was checking once they approved the online account. Despite this, they refuse to remove the late payment from my credit report despite the fact that the error is clearly theirs and I had no way of knowing the account went late due to XXXX having an issue opening my online account access

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 2023-02-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I leased a new car through XXXX  ( XXXX XXXX  ) and the dealer took the info to have the lease payments automatically debited from my account. I attempted to setup an online account and XXXX had an issue with the account and could not set it up for a number of months. Once they set up the account online, I saw the account was past due. I asked the dealer and they forgot to submit the required forms to remove the lease payments from my account. I remedied the account right away and brought it current. I called XXXX and explained to them how this late payment was their error due to the dealer negligence and their inability to open the online account in a timely manner. I also explained that I have multiple auto loans and mortgages through XXXX and have never been late on a payment. I also let them know that they had my phone and email and never contacted me that the account had gone past due and the only reason I knew was checking once they approved the online account. Despite this, they refuse to remove the late payment from my credit report despite the fact that the error is clearly theirs and I had no way of knowing the account went late due to XXXX  having an issue opening my online account access

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I leased a new car through XXXX  ( XXXX  financial ) and the dealer took the info to have the lease payments automatically debited from my account. I attempted to setup an online account and XXXX had an issue with the account and could not set it up for a number of months. Once they set up the account online, I saw the account was past due. I asked the dealer and they forgot to submit the required forms to remove the lease payments from my account. I remedied the account right away and brought it current. I called XXXX and explained to them how this late payment was their error due to the dealer negligence and their inability to open the online account in a timely manner. I also explained that I have multiple auto loans and mortgages through XXXX  and have never been late on a payment. I also let them know that they had my phone and email and never contacted me that the account had gone past due and the only reason I knew was checking once they approved the online account. Despite this, they refuse to remove the late payment from my credit report despite the fact that the error is clearly theirs and I had no way of knowing the account went late due to XXXX having an issue opening my online account access

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 2023-02-09 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: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2023-02-09 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: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Card was stolen while I was away, I have filed a claim with the company and it has been denied and now pending for months. I have sent over several supporting documents to the company as they requested and still havent done anything to fix the situation and havent received any updates or my money back. They have no information or feedback regarding this situation for me. Worst bank ever

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 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I deposit a business check at a bank of america local branch center on the XX/XX/2023 for the amount of {$83000.00} on my business checking acount ending in # XXXX. So the agent " XXXX '' mention that he calls me back saying that he wasn't able to help me deposit this check into my account because that the check was made before the business were opened, I clearly correct his error with proof with this issues and ask him to deposit the check without having me going back since the branch was already CLOSED, and theres no need for me to pick up the check and have him re-deposit which its already deposited. but he told me to come back tomorrow and pick up my check, andways i call many times and this is like him report or adding adding addition issues or problems thats might cause to my acoount, and finally i not to able to login onine banking. this period of time of time im just not able to go to the branch and just like NO options ways to verify me .ridiculous.

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