vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
A credit card was opened in my name with my social security number, date of birth and address with Bank of America on XX/XX/year>. 

I had no knowledge of this account until Monday, XX/XX/year> when I received a letter from Bank of America due to suspicious activity on my account ( an account I do not have ). I would just throw away such letters thinking it was junk mail but decided to open this one as I thought it was odd. I did not call the number on the letter thinking it was a scam and contacted Bank of America from the number on the website. I was positive I would be told the letter was a fake and was surprised to learn it was a legitimate letter from the bank. 

Someone opened an account with all my information. After getting approval for the credit card that person ( s ) then changed the mailing address to an address in New Jersey and then proceeded to make purchases over {$900.00}. All other purchases have been declined due to suspicious activity. I do not have the dollar amounts for the declined purchases. 

It is not clear how an account was opened in my name with my address and a credit card was received. Although I do NOT always receive my mail, I go sometimes weeks without any getting delivered. I do have Informed Delivery with the USPS and have noticed the last few months that my mail items have not all been getting scanned by the postal service. Which is also odd. It will show I show I should get four pieces of mail and three of the items are not scanned. Then I will NOT recieve anything for a few days or weeks later. Then I will receive a piece or two that should have been previously delivered, sometimes nothing at all. 

I then proceeded to check my credit reports and all three show the Bank of America credit card as a new account in my name. I am in the process of disputing the 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 non-monetary relief
Consumer complaint received 2024-08-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a pay
ment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

CAP ONE AUTO Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-06 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: FL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-08-06 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: TN

Complaint narrative:
Ive been disputing inaccurate information on XXXX for a while and they keep updating information every time I provide information. Which is total opposite of my providing information. Im providing it telling them their information is incorrect to get the account deleted not for them to keep trying to use my information to verify. I also did not give the company consent to share my personal information with any third parties. I couldnt have because the account isnt mine. My information was on the dark web back in XXXX. This company is not following consumer laws. They did not and still does not have my correct information. Ive told them to show me verifiable information. I was sent a discloser and it has an address that Ive never lived and a number that Ive never had. This has been going on for a long time and I demand that they delete/ permanently remove the account off my consumer report for having inaccurate and unverifiable information. And I also emailed XXXX and never got a response. 

Under the FCRA, you are required to ensure the accuracy and completeness of the information in my credit report. The continued presence of incorrect or unverifiable information, as well as the inadequate resolution of my disputes, constitutes a violation of these requirements. 

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. Please remove immediately. 

**Lack of Consent** : According to consumer protection laws, no information should be reported on my credit report or shared with third parties without my consent. The presence of such information on my credit report, especially if it was included without my approval, is contrary to these legal requirements. 

**Unauthorized Disclosure** : There is evidence suggesting that my personal information has been shared with or sold to lenders or other entities without my permission. This is a violation of my privacy rights under the FCRA, which requires that my information be handled with my explicit consent.

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 2024-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
Im unaware of this debt, I didn't have a chance to dispute this debt. If you believe you gave proper notification please send me a certified mail receipt with my signature stating I received notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-08-06 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: OneMain Finance Corporation
State: TX

Complaint narrative:
My credit reported a drop in my credit and when checking, I noticed a bunch of hard inquiries that hit my credit. I did not authorize any of these inquiries therefore I do not know why they were able to hit my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: FL

Complaint narrative:
Information on my transunion consumer report was not properly validated. Trans Union is reporting inaccurate information on my consumer report that needs to be removed.. disc collection has been disputed multiple times on my consumer report and it has not been validated properly. ive took the proper steps to send out a validation letter to the collection agency they still have not responded to the validation I sent through certified mail. They receive the validation letter through certified mail on XXXX XXXX 
They are validated 15 USC code 1692G that states validation of debt within five days after initial communication. The consumer agency is validating the consumer law that was put to protect consumer such as myself against agencies thats doing unfair acts as you see in my attached files I have proof that the company received the validation letter on XX/XX/XXXX and still has not responded to the validation letter, that should be removed off my consumer report or I will take legal 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 non-monetary relief
Consumer complaint received 2024-08-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Billing error 15 USC 1666b 16 car 433.1 and accounting on remittance on interest coupon dividends on my securities certificate of indebtedness Open-End Credit Account : I maintain an open-end credit account with Bank of America, account number Finance Charges and Credit Indebtedness : It has come to my attention that XXXX XXXX has not credited my account with dividends derived from treasury coupons via the ETF Act. These funds, which should have been applied to my account to offset finance charges and reduce overall credit indebtedness, have not been properly credited. 
1099 Forms : Additionally, Bank of America has failed to provide me with all copies of Form 1099 for both past and present transactions. These forms are essential for tax reporting purposes and must be furnished promptly as they are considered income. 
Timely Payment and ETF Act Compliance : Under the Electronic Funds Transfer ( ETF ) Act and the Truth in Lending Act, payments made via treasury coupons should be applied promptly and accurately to my account. The finance charges applied to my account appear to be in violation of these regulations, as they are not required under an open-end credit customer credit plan. 
Certificates of Indebtedness : There has been no transparent communication or presentation of documents regarding the handling of my certificates of indebtedness securities. This lack of disclosure and clarity raises serious concerns about the management and reporting of my financial activities.

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 2024-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-08-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-08-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In XX/XX/XXXX, I purchases a suite of appliances directly from XXXX and took advantage of XXXX XXXX, which was through TD Retail Card Services. 

The appliances arrived broken and the replacement was also broken. Other equipment was not even shipped initially because it, too, was broken. After a number of missed and incorrect deliveries... I had enough and told XXXX and their delivery company, XXXX, to take everything back, which they did. However, this created a prolonged saga because XXXX was not able to take the equipment back in their system, even though XXXX had it, due to either a software bug or human error. 

By XX/XX/XXXX, the glitch was fixed and XXXX issued a number of credits to my account at TD Retail Card Services. In XX/XX/XXXX, XXXX informed me that I would be receiving an additional refund ( after the credits ) of {$450.00}, which was issued by TD Retail Card Services on XX/XX/XXXX. 

As soon as I received the {$450.00} check from TD Retail Card Services... I cashed it and was happy to finally be done with XXXXTD -- or so I thought. 

Unbeknownst to me, someone at TD and/or XXXX decided for unknown reasons to " VOID '' the cashed check after-the-fact, according to an agent I spoke to at TD Retail Card Services. The agent ( XXXX -- Agent # XXXX ) could not find who actually voided the check. 

TD then charged the {$450.00} back to me and started adding late fees and interest to my account. Since my account was paperless and XXXX told me in writing to expect the check... I had no reason to go online to my account. 

By XXXX, TD drew my credit line down and reported me to the credit agencies resulting in a XXXX point drop in my XXXX XXXX  score. My score had been in the XXXX range for decades. 

I'm in the middle of purchasing a home with a $ XXXX deposit down, as well as needing to purchase a new car and obstain a new credit card for purchases I need for my farm. 

Now that I'm in the XXXX XXXX range, my credit reputation and ability to get financing has been destroyed by a bureaucratic mistake by TD and/or XXXX. 

TD Bank has been difficult to reach and relatively unsympathetic to my situation. I've filed a dispute, but it can take up to 90 days and they say they can't expedite it. 

This is horrible and TD should not be able to issue credit if they can't promptly resolve disputes when it is their own internal system at fault.

Company response to consumer: Closed with monetary relief