vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 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: DISCOVER BANK
State: IL

Complaint narrative:
I sent in the tracking information to the return for pottery barn. Im still not able to call discover as it says my call cant be serviced. The only place that I cant call even though I have a credit card with them. Why is this my only way of communication with a bank Im with. For reference the tracking number is XXXX. Hopefully you all received the tracking number for XXXX as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I saw that I have an unauthorized credit inquiry

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 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On the month of XXXX of XXXX, I received an alert on my phone that my card was being utilized at a Best Buy. I immediately called the bank and stated that it was an unauthorized transaction. They informed me they will dispute the charge and later stated there were multiple charges in my account that I had no knowledge of. They cancelled the card and allegedly issued a new card which I never received. There were more purchases made with that card to which I disputed again and requested to immediately cancel the account. They instructed me that the mailing address they had wasnt the one I was providing the with. I asked which address is the one they had they refused to provide me with an address. They advised me that they will update the address again in the system and issued a new card. I called today XX/XX/XXXX to inquire on the status of the dispute to only be told that there were more purchases made with a card. I advised them that is impossible cause I havent received any cards in the mail yet. Once again they said they had a different address that where I reside. I requested for the 3rd time to cancel the account and dispute all these charges since XX/XX/XXXX. They have not been able to close this account and still accruing charges. I need to dispute all these charges and close the account immediately. All these transactions are not authorized by me and they failed to close the account to prevent any further transactions. I need to have a resolution on this matter closed any contact with this terrible company and have those charges reversed.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I saw that I have an unauthorized credit inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America XX/XX/XXXX submitted a fee for a closed account that I closed with no dues in fraud or in any money owed. This account is sending info to XXXX XXXX  XX/XX/XXXX to another charge and I was not at the address on files or had the account to either or fraud on them. This is FDIC issue that the Banks are recovering fees to my inability to live at the property they have on their systems and not my account to ownership due to closed. Fraud occurred prior to there repairs or reporting and they didn't contact me but I informed them I moved and my house was in control by my x spouse. He has no Bank letter 's for their abuse report to block me from XXXX to open a account or fix my fraudulent security for anyone else. I was told to get a police report to report that I moved and. The next address is not a XXXX XXXX XXXX and falsely used by XXXX XXXX and Bank of America is not removing the abuse. I had closed that account without them reporting to me any fraud prior to XX/XX/XXXX. I am no sure who to call to police report the Bank is using a wrong land lot and I didn't talk to them and both accounts were not in My ownership at times of XXXX reporting I have money abuse to FDIC for years prior. I need the Court info on B of A lawsuit currently for using XXXX and XXXX XXXX to FDIC blocks please

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 2024-04-10 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: FL

Complaint narrative:
TO WHOM IT MAY CONCERN, I AM A VICTIM OF ID THEFT ; THOSE ACCOUNTS ARE NOT MINE. ( XXXX XXXX XXXX XXXX  FOR {$5300.00} OPENED XX/XX/XXXX ) ( XXXX XXXX FOR {$130.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$710.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$810.00} OPENED XX/XX/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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN, I AM A VICTIM OF ID THEFT ; THOSE ACCOUNTS ARE NOT MINE. ( XXXX XXXX XXXX XXXX  FOR {$5300.00} OPENED XX/XX/XXXX ) ( XXXXXXXX XXXX  FOR {$130.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$710.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$810.00} OPENED XX/XX/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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding CAPITAL ONE, account number XXXX. 

Despite the clarity and detail provided in the Credit Bureau XXXX, the Account continued to appear on my consumer report with inaccurate information. 

Upon information and belief, the credit bureaus forwarded my Dispute to CAPITAL ONE. 

Upon information and belief, CAPITAL ONE received notification of my credit bureau dispute. CAPITAL ONE did not conduct an investigation, contact myself, contact third parties, or review underlying Account Information with respect to the disputed information and the accuracy of the CAPITAL ONE Account. 

Upon information and belief, CAPITAL ONE failed to instruct the credit bureaus to remove the false information regarding the CAPITAL ONE Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the CAPITAL ONE Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute. 

At no point after receiving the Credit Bureau Disputes did CAPITAL ONE and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes.

The credit bureaus relied on its own judgment and the information provided to them by CAPITAL ONE rather than grant credence to the information provided by myself.

The credit bureaus published the false information regarding the CAPITAL ONE Accounts to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding BANK OF AMERICA, account number XXXX. 

Despite the clarity and detail provided in the Credit Bureau Dispute, the Account continued to appear on my consumer report with inaccurate information. 

Upon information and belief, the credit bureaus forwarded my Dispute to BANK OF AMERICA. 

Upon information and belief, BANK OF AMERICA received notification of my credit bureau dispute. BANK OF AMERICA did not conduct an investigation, contact myself, contact third parties, or review underlying Account Information with respect to the disputed information and the accuracy of the BANK OF AMERICA Account. 

Upon information and belief, BANK OF AMERICA failed to instruct the credit bureaus to remove the false information regarding the BANK OF AMERICA Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the BANK OF AMERICA Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute. 

At no point after receiving the Credit Bureau Disputes did BANK OF AMERICA and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes. 

The credit bureaus relied on its own judgment and the information provided to them by BANK OF AMERICA rather than grant credence to the information provided by myself. 

The credit bureaus published the false information regarding the BANK OF AMERICA Accounts to third parties.

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 2024-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Do not owe, tried disputing amount last shown as I have a receipt for a return with tracking number. Merchant received the return over 3 months ago and never refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.

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 2024-04-10 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: LA

Complaint narrative:
In accordance with the Metro 2 reporting standard, I am writing to formally inform you of the need for ensuring that any claims are reported in a factual and accurate manner. I'd like to request that you provide me with tangible, verifiable evidence demonstrating the existence of this account and its legality. If I am not provided with this evidence, I shall insist that the account be removed from my credit file. 
I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments

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 2024-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am filing a formal complaint with the Consumer Financial Protection Bureau regarding Experian 's failure to remove unverifiable items from my credit report, as required by the Fair Credit Reporting Act ( FCRA ) Section 609. 
I have been attempting to dispute these items with Experian since XX/XX/2022, and have written over six letters requesting that Experian remove the items from my credit report. However, Experian has failed to take any action and has not provided any evidence to support the accuracy of the disputed items. 
Under FCRA Section 609, consumers have the right to request that credit reporting agencies provide evidence to support the accuracy of the information reported on their credit reports. If the credit reporting agency can not provide such evidence, then the information must be removed from the report. 
Despite my requests, Experian has failed to provide any evidence to support the accuracy of the disputed items. As a result, I believe that Experian is in violation of FCRA Section 609 and is causing significant harm to my creditworthiness.

I request that the Consumer Financial Protection Bureau take immediate action to investigate this matter and hold Experian accountable for its failure to comply with FCRA Section 609. Additionally, I request that Experian remove the unverifiable items from my credit report and provide me with a written confirmation of its actions. 

As of today, I filed two fraud reports with Experian and was advised to submit an addition to my reports the report that I am filing with you.

Unfortunately, Im unable to log into my previous account. Therefore, I created this new account today and Im submitting a brand new report.

Thank you for your attention to this matter. 
Sincerely, 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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my second notice of this fraudulent account on my credit report. I never benefited from any of these transactions from this account. Per the FCRA, this fraudulent item has to be blocked and deleted from my 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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Hello on XX/XX/24 I submitted a request to equifax to provide information about some collection accounts listed on my account and until this day they have yet to respond to my request to fix this. To my understanding they have 30 days but have yet to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
GENESIS CREDIT MANAGEMENT , LLC is Reporting on my credit report without my consent 16 CFR 433.1 - Definitions. 

of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I a not responsible with like to be removed evidence submit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation