vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, 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:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 explanation
Consumer complaint received 2022-10-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
I placed two orders from XXXX and XXXX. 
1. I returned two items to XXXX ( {$170.00} and {$78.00} ) and it refund me one of them ( {$170.00} ). But the other refund ( {$78.00} ) had some delay, so I opened a dispute through my Discover credit card. 
However, Discover thought {$78.00} is a part of {$170.00} and denied my dispute. Also, this made XXXX charge me some extra money because they thought they refund me twice. 


2. I placed an order from XXXX. There was a refund of {$52.00} on XX/XX/XXXX, and that was because we removed the oversold item " before shipping out the order. 
And I open a dispute for other items for the {$220.00}, however, Discover thought {$52.00} is a part of the {$220.00} and denied my dispute. This also made XXXX charge me another {$52.00} because they refund me twice. 

I contact both merchants and XXXX, they asked me to talk with Discover. However, Discover refused to reopen the disputes. So I lost {$220.00} + {$52.00} + {$78.00} + {$74.00} ( because I put the wrong number in the first dispute ), and neither Discover nor XXXX solved my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GLA Collection Company, Inc.
State: IL

Complaint narrative:
There are medical debts from GLA Collections Co Inc showing on all of my credit reports such as with XXXX XXXX, XXXX, and XXXX. This medical debt does not belong to me. I have tried in vain to get this corrected with the credit reporting agencies via proper disputes, but no appropriate action was taken. As per the Fair Debt Collection Practices Act ( FDCPA ) and other State and Federal Debt Collection Laws it is in violation of my rights to have inaccurate and medical information appearing on my credit file such as debt that is alleged from a hospital. This is also, in violation of my medical privacy as per the Gramm Leach Bliley Act as this debt is not mine and I have not given consent for any establishment to share medical data pertaining to me. Furthermore, this is a third-party collection that I have no contract or relationship with and is not obligated to them. I seek expeditious removal of these erroneous items from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: WA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXXXXXX XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* US DEPT EDXXXX 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 2022-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I submitted a 3rd letter to Fair Collections and Outsourcing ( FCO ) on XX/XX/XXXX after repeated requests for documentation to validate a debt they claim I owe per FDCPA 15 USC 1692e. Since they can not validate the debt they must remove it from all credit reporting agencies. Which they have failed to do. 

A recent lawsuit against FCO found that the collection agency routinely failed to implement proper policies and procedures to ensure the accuracy of accounts. I'm clearly a victim of the very same practices since a collection was placed on my XX/XX/XXXX. 

I do not recognize this debt and demand that this collection be immediately removed.

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 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX OF XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.

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 2022-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I called Bank of America in regards to my vehicle loan to update my address on record on XX/XX/2022. I spoke to the representative from South Carolina, who stated that I paid of my loan and can cancel the payments. She went on to tell me that the title to the vehicle, payoff letter, and a check for the overpayment. I was not sure if I was hearing her correctly ; so, I asked the representative to speak to my accountant on speakerphone to make sure that we had the same understanding. She continued to tell her that the loan was paid off. My accountant 's son walked in the room and also heard this information. She provided me with a confirmation number for the payoff. I waited for one week to see if I was going to receive this information, but it was not received. I called Bank of America again on XX/XX/2022 to confirm that the information was mailed out. This representative told me that I had a remaining balance on the vehicle loan and was not sure why I was provided this information the previous week. I told him that I was given a confirmation number for the payoff ( which was provided to him ). He did not clearly state if he found anything. I explained to him that I was confused and upset about this misinformation that I was provided. I asked for a letter stating that Bank of America provided wrong information in regards to my loan, which he said might not be possible. He forwarded the call to the team that can expedite this issue. This representative understood that I was very upset about being given false information. He is going to try to forward the information that could possibly help clear things up.

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 2022-10-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since the Month of XXXX, I have sent numerous letter to the credit bureaus asking them to remove my bankruptcy. I have received a letter from the XXXX XXXX clerk verifying that my bankruptcy was not reported to the credit bureaus. I have sent multiple copies of this letter to the credit bureaus and they are refusing to remove the bankruptcy listed on 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 explanation
Consumer complaint received 2022-10-21 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
An accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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 2022-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i have recently obtained a copy of my credit file, and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely and blocked from my credit file. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :

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 2022-10-21 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:
Since the Month of XXXX, I have sent numerous letter to the credit bureaus asking them to remove my bankruptcy. I have received a letter from the XXXX XXXX clerk verifying that my bankruptcy was not reported to the credit bureaus. I have sent multiple copies of this letter to the credit bureaus and they are refusing to remove the bankruptcy listed on 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 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Since the Month of XXXX, I have sent numerous letter to the credit bureaus asking them to remove my bankruptcy. I have received a letter from the XXXX XXXX clerk verifying that my bankruptcy was not reported to the credit bureaus. I have sent multiple copies of this letter to the credit bureaus and they are refusing to remove the bankruptcy listed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I submitted a police report of my identity being stolen and I have disputed all type of accounts opened in my name with my information since, however new stuff keeps popping up with my social. Experian and XXXX are both reporting 2 medical bills that I have never been seen at the hospital for. One of the medical bills is from XXXX North Carolina, a state or city I have never even been to for a XXXX XXXX XXXX XXXX XXXX in the amount of XXXX dollars. This was opened XX/XX/XXXX but I was in XXXX Florida at the time and I have flight itineraries to prove it. Then there is a medical bill for the amount of XXXX dollars with XXXX XXXX XXXX that was opened in XXXX of XXXX, but I moved to XXXX Georgia in XXXX and have not been seen in the hospital for anything, I also have XXXX XXXX so anytime I go to the doctor or hospital they cover the bill in full. I have disputed this bill in particular 3 times and nothing has been done about it, both bills are now seriously effecting my credit and nobody is doing anything to resolve it. I have also paid off a debt in collections in XX/XX/XXXX with Experian for the amount of XXXX to XXXX however they have not removed it from collections and it is still negatively effecting my credit. At this point I am getting very very upset. I spend money to correct things that I actually caused on my credit and it doesn't get resolved and I report things that I had no knowledge of on my credit and that still doesn't get resolved. I am furious!!

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 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is my 4TH endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 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 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX XXXX XXXX XXXXXXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX, has violated my rights. 

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 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 2022-10-21 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX XXXX, Account # XXXX. 

Account name : XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX Account name XXXX XXXX Utility, Account # XXXX Account name XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX Account name XXXX XXXX XXXXXXXX XXXX, Account # XXXX Account name : XXXX XXXX Account # XXXX Has violated my rights. 

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 if 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 2022-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX I applied for a Personal Loan in XXXX. At next day the company called me for an interview, I requested on the call for a person who speaks XXXX, because my XXXX is not fluent. They said that they don't have any person who speaks XXXX, so I spoke with her interviewer. My first disappointment was when she asked me for my XXXX XXXX, when I clearly marked on the Loan Application that I am a XXXX XXXX. They requested by email proof of my income and again proof of my XXXX XXXX. Against my will I sent a copy of my XXXX XXXX. Two hours later I received an email with a deny notice of my loan application, saying that they are " unable to verify information on application '' and " insufficient income and/or assets for loan amount requested ''. My income is more than enough for the personal loan that I requested. 
With this being said, this case seems as a case of XXXX  and XXXX  towards us because we are XXXX. Please I ask to the CFPB to do a certain investigation in this company. ( My credit score is XXXX and I will submit a document showing proof of my credit score ).

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 2022-10-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I'm currently a victim of a scam. 

Here 's the story : On XX/XX/XXXX, I got a phone call from a gentlemen posing as a Bank of America representative, informing me that I was currently a victim of fraudulent activity. 

Because I bank with BOA and the fact that he was able to call my phone, using a number that is linked to BOA, I panicked and began following the instructions he provided. 

He told me that a money transfer for the amun of {$3500.00} was being scheduled through XXXX, from my savings account, to an IP address in XXXX. He then said in order to stop tue transfer from happening, I would have to empty out my savings account, which had a total of {$2300.00}. He said that my funds would be sent to the customer service manager of XXXX ( who was " handling '' my case ), until the investigation concluded. After which point, my funds would then be transferred back to my account. 

Long story short, it turned out to be a scam and my savings was wiped cleaned. I opened a claim with BOA the following day and they said that the contingency on getting my money back, would be based upon whether or not they are able to retrieve the funds from the financial institution, that my funds were sent to. Needless to say, I was very unsatisfied and unsettled with that response and the case is on-going. I have a strong feeling that I will not be getting my money back. 

I understand that this is partially my fault, as I didn't do my due diligence initially, by gathering more information before just handing over my money. However, I feel that there is space for Bank of America to hold accountability as well. The mere fact that someone was able to call my phone using a number that is linked to the financial institution that I Bank with, is a problem. 

I need this incident reported and I'm hoping to receive my money back.

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