vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
The first of this year when I was trying to get a house I became aware of this account with CBNAXXXX XXXXXXXX. I disputed with the credit bureaus but it came back verified. I couldn't believe it. I filed a FTC identity theft report because I knew someone used my information without my consent. I called the bank that issued this card and they notated my account and said they would mail a fraud package. This was XXXX months ago. This company continues to report this account even after I submitted my identity theft report and all XXXX  bureaus. Because of this account I'm unable to close on my dream house. They are aware of the fraud and yet continue to report it to the credit bureaus. I do not owe the balance their attempting to collect because the charges were unauthorized by me because of the fraud.This is a violation of my consumer rights and is wilful non compliance of the FCRA 605B, FDCPA, and FCBA. I state this record of the improper handling from this company and request an investigation. Last 4 of SSN 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 2023-07-14 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: MI

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 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: FL

Complaint narrative:
I did requested a thorough investigation done through all credit bureaus ( XXXX, Equifax, and XXXX ) and they did state that it was accurate and I did and double investigation myself and it is inaccurate. I have made several attempt to resolve this issue with the credit reporting agencies. I have been trying to resolve these issues since early 2022 and as of today no avail. 
According to the In accordance to the fair credit reporting act the following accounts has been verified and has violated my rights. 
XXXX XXXX - no account number available Amount : {$720.00} XXXX XXXX - Account number XXXX Amount - {$5900.00} XXXX XXXX XXXX, XXXX XXXX XXXX Amount : {$580.00} XXXX XXXX XXXX XXXXXXXX XXXX Amount- {$580.00} 15 U.S.C 1681 Section 602A states I have the right to privacy 15 USC 1681 Section 604 Section 2 Agency can report anything on your credit report without have written instructions from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: FL

Complaint narrative:
I did requested a thorough investigation done through all credit bureaus ( XXXX, XXXX, and Experian ) and they did state that it was accurate and I did and double investigation myself and it is inaccurate. I have made several attempt to resolve this issue with the credit reporting agencies. I have been trying to resolve these issues since early 2022 and as of today no avail. 
According to the In accordance to the fair credit reporting act the following accounts has been verified and has violated my rights. 
XXXX XXXX - no account number available Amount : {$720.00} XXXX XXXX - Account number XXXX Amount - {$5900.00} XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Amount : {$580.00} XXXX XXXX XXXX XXXXXXXX XXXX  Amount- {$580.00} 15 U.S.C 1681 Section 602A states I have the right to privacy 15 USC 1681 Section 604 Section 2 Agency can report anything on your credit report without have written instructions from me.

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: CA

Complaint narrative:
I am very disappointed with these credit bureaus, XXXX, XXXX, and Transunion. I sent them dispute letters for several times concerning the inaccurate information on my credit report. However, XXXX, XXXX, and Transunion have ignored my previous request and failed to maintain reasonable procedures in their procedures to assure the maximum possible accuracy in the credit reports they publish. I never received a response nor investigated the inaccuracy 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 2023-07-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am very disappointed with these credit bureaus, Experian, XXXX, and XXXX. I sent them dispute letters for several times concerning the inaccurate information on my credit report. However, Experian, XXXX, and XXXX have ignored my previous request and failed to maintain reasonable procedures in their procedures to assure the maximum possible accuracy in the credit reports they publish. I never received a response nor investigated the inaccuracy 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 2023-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX Delete this account. 


XXXX. XXXX Account XXXX XXXX Account XXXX : XXXX Delete this account. 


XXXX. This account was never late XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Delete this account. 

XXXX. I was never 30 days late in this account. 
XXXX Account XXXX : XXXX please update all payment, all payment was made on time XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 



XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. The inquiry was not authorized VETERANS UNI Date of inquiry : XX/XX/2023 XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2023

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 2023-07-14 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: CA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I went to atm on XX/XX/2023 and made a cash deposit of XXXX dollars for up coming XXXX. The atm went blank after I made my deposit. I called the number on the atm to report the problem needless to say that they were closed due to the holiday. 
The next day I immediately filed a claim and complaint. I expressed how important my up coming XXXX was. I asked several times for the third party to go our and service the atm but all I got was the same script its a waiting period. I have been banking with Bank of America for over at least 10 years! I never expected such rude uncaring results! I will definitely be closing my account after this issue is resolved and take further actions.

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 2023-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Professional Collectors Corp.
State: GA

Complaint narrative:
XXXX  XXXX XXXX Amount {$1400.00} XXXX XXXX XXXX Amount {$1700.00} Both are medical bills and have been pass to 3rd party collectors that I didn't authorize them to obtain my information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: MI

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 non-monetary relief
Consumer complaint received 2023-07-14 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: AR

Complaint narrative:
On XX/XX/2023 we found a compact tractor for sale on the internet at XXXX XXXX XXXX. We messaged the business for information about the tractor. Sales Mgr. XXXX XXXX responded. 
On XX/XX/XXXX we ended up making a deal for {$9000.00}, {$8200.00} for the tractor and {$800.00} for shipping. 

On XX/XX/XXXX, we went to our bank and wired the money. He emailed us a bill of sale and payment invoice later that day. 
On XX/XX/XXXX he said we would have our tractor on Thursday XX/XX/XXXX between XXXX. 

On XX/XX/XXXX at XXXX we emailed asking if everything was still good for this evening. We received an email stating delivery has been delayed due to trailer mechanical problems and the new delivery date was Monday XX/XX/XXXX. At this point XXXX told him he was starting to think he's been scammed. They told us they would refund the shipping fees in cash at delivery. XXXX asked him why the tractor we bought was still for sale on the internet. 

On XX/XX/XXXX XXXX We got another email saying the trailer is still being serviced and the new delivery date will be XX/XX/XXXX between XXXX. 
XXXX We got an email stating the refund request has been sent to the payment department. 
XXXX XXXX XXXX emailed It's coming but it looks like we understood wrong, that you wanted a refund ETA still XX/XX/XXXX between XXXX. 
XXXX XXXX didn't check his email and asked when the tractor will be here. 
XXXX Then XXXX checked his email and then told them IF it's not here early on XX/XX/XXXX he wanted a full refund. 
XXXX XXXX emailed so it's not coming on the XXXX? 

On XX/XX/XXXX XXXX messaged them please have someone contact me about this sale or refund. 
We got back an email asking for the stock number of the machine we were interested in from Sales Mgr. XXXX XXXX. 
We sent an email telling them we were deeply concerned about this transaction and to reverse the payment we made back to our account. They emailed us saying the refund was approved. When can we expect it? By the end of the week. Then we called our bank asking what we could do. I want to know why Bank of America, Branch address : XXXX XXXX XXXX XXXX, XXXX, NM XXXX Has never returned a call to my bank when my bank asked for my money back. And don't look like my bank is investigating it. So people get scammed and no one is trying to help. Someone at bank of America surely should know how to find out who had the receiving end of this transaction. I would like an explanation by someone on how a transaction like this is ignored. I'm out XXXX. I'm on XXXX yrs old. XXXX is a lot of money for me. It took several years to save that money on what I get. I wish someone would do something. Thank you for your time.

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 2023-07-14 00:00:00
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My XXXX account was compromised and a transaction was made to someone I don't recognize. I disputed the transaction with Synchrony who then opened a fraud case, closed my credit card, and issued a new one. Since then they did not issue any sort of temporary credit for the charge. I called them and they stated they would issue temporary credit and waive any fees and interest charges, but instead added more charges under the label " Convenience Check '' ( 3 times ) for the amount of the fraudulent charge and have not refunded any of the fees or interest. Now all of these extra charges applied by Synchrony are gathering interest daily because they are flagged as cash advances but this should be a credit and not a debit to my account.

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 2023-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. I was checking for a car and the dealership went to different companies and for different cars I didn't approve of. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission. According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on. The credit bureaus have no respect for the laws. 

These are the inquires. 
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  Thank You,

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 2023-07-14 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: GA

Complaint narrative:
Hello, The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. I was checking for a car and the dealership went to different companies and for different cars I didn't approve of.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission. According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on. The credit bureaus have no respect for the laws. 

These are the inquires. 
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 Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: GA

Complaint narrative:
Hello, The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. I was checking for a car and the dealership went to different companies and for different cars I didn't approve of. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission. According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on. The credit bureaus have no respect for the laws.

These are the inquires. 
XXXXXXXX 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 Thank You,

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