vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing to express my extreme dissatisfaction with Bank of America 's handling of repeated unauthorized charges to my account [ Account Number ]. Despite canceling recurring payments with XXXX XXXX, XXXX, and XXXX over a year ago through both Bank of America and the companies themselves, these charges have persisted. This has resulted in a total loss of approximately {$720.00} over XXXX years, exceeding the original agreed-upon amounts. 

In XX/XX/year>, I contacted Bank of America to address this issue and cancel the recurring payments. While I received confirmation of cancellation, the charges continued. Upon contacting the bank again, I was assured a supervisor would call me back within XXXX hours to resolve the issue, which never happened. Instead, I received a partial refund for only XXXX months of service for XXXX out of the XXXX companies. 

This lack of action and accountability is unacceptable. Bank of America 's failure to prevent these unauthorized charges constitutes a breach of contract and demonstrates a blatant disregard for my financial well-being. Not only has this caused me financial harm, but it has also resulted in significant stress and inconvenience. 

I demand the following immediate actions : Full Refund : A complete refund of the entire {$720.00} in unauthorized charges, including any associated fees or overcharges. 
Compensation : {$10000.00} in compensation for the financial harm, emotional distress, inconvenience, and potential damage to my credit caused by Bank of America 's negligence and failure to protect my account. 
Formal Apology : A written apology from Bank of America acknowledging their error and outlining steps taken to prevent similar occurrences in the future. 
I am prepared to escalate this matter further, including legal action and public exposure, if my demands are not met within a reasonable timeframe. Bank of America 's failure to act decisively will only solidify my belief that they are not committed to protecting their customers ' interests. 

I trust that Bank of America will take this complaint seriously and prioritize a swift and satisfactory resolution.

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 2024-07-29 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: LA

Complaint narrative:
Equifax has allowed my information to be accessed by companies i never authorized or give permission to access my credit report or personal information i have had file two different identity report s and also CFPB complaints Equifax have yet to correct my information after i have notified them of this issues the have listed on my report over 9 different addresses and 15 inquiries that are not mine i have reported it to them in watering, by internet, and by phone I am not able to get the issue resolved i need assistance Equifax has had several data breaches ad i was a part of doses breaches i feel they are allowing my information to be compromised still and not properly removing inaccurate information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: IL

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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 payment 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.

This company 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 2024-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Credit Control
State: CA

Complaint narrative:
On XX/XX/XXXX I had some medical studies done. I had my insurance and after 1 year I started receiving statements from this bill company claiming payment that insurance hadnt paid. Since I received the first statement Ive been back and forth with the company trying to resolve and make the insurance pay for my medical costs. The bill company is XXXX XXXX XXXX XXXX. Red net XXXX XXXX. XXXX XXXX XXXX XXXX Ca XXXX with phone number XXXX. 
By being back and forth with them, they told me insurance already covered XXXX of the XXXX services I got from them. But I still owned the XXXX service of {$270.00}, well we started again trying to make my insurance pay the bill and still I was back and forth with the bill company. Until XX/XX/XXXX, I received ( again ) my statement were I owed them {$270.00}, and in XX/XX/XXXX I received a letter from this same bill company were they tell me they received my request regarding the status of my claim and they were going to send it back to the insurance For reconsideration, giving me XXXX days for my insurance claim to be processed. 
Well, they didnt wait those days because like 20 days later on XXXX I called them again and they told me they sent me to a collection company. I told them it wasnt fair that they didnt respect their words in the letter and that I was back and forth trying to resolve this without being sent to a collection company. So they told me they were going to talk to the collection company to have the claim back to them and they told me again to wait for XXXX days for a response, well nothing, no calls no mail nothing.. I havent received any letters from the collection company either thats why I thought they were working on it. So today XX/XX/XXXX I called again the bill company to get an update and they told me theres nothing they can do. I think is unfair they did this to me when I was trying to resolve and get the service paid. Their communication skills failed me and now Im in collection company, where my credit can be impacted for the errors of this bill company. The only thing I have received is a text message on XX/XX/XXXX and is the next Hi ( my name ) We are trying to reach you about XXXX XXXX XXXX. Please visit ( email ) to pay or call us at XXXX for help. 

This communication is from Continental Credit Control, a debt collector. 
CA License # XXXX To stop future texts, reply STOP to this message. 
Please help me get this resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: TX

Complaint narrative:
I am writing to formally dispute the accuracy of certain information reported on my credit report. Under the authority of the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, I am asserting my right to opt out of the sharing of my personal information and request that you correct the inaccuracies on my credit report. The specific account ( s ) and personal information in question are : XXXX. Account XXXX XXXX XXXX, XXXX XXXX, XXXX. Name XXXX XXXX XXXX, XXXX. Name XXXX XXXX XXXX, XXXX. Name XXXX XXXX XXXX. The information being reported is incorrect because the payment history on this account is absolutely inaccurate and you are reporting other names that are not associated with my identity. In accordance with 15 U.S.C. 6802, I am requesting that you : Verify the accuracy of the information being reported. If the information can not be verified, it must be promptly deleted from my credit report. Cease sharing my personal information with third parties without my explicit consent, as per the opt-out provisions of the GLBA. 
Provide me with a confirmation that these steps have been taken and that my credit report has been corrected accordingly. Enclosed with this letter are copies of relevant documents supporting my dispute. These documents should be used to substantiate my claim and facilitate a swift resolution to this matter.

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts 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 to be removed/updated.

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 payment 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.

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!

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 2024-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I opened a XXXX Rewards credit card in XXXX XXXX, issued by Comenity Bank XXXX XXXX XXXX. After trouble accessing account information and poor customer service, I closed the account and paid the only statement that I received. Since that time I have received many collection calls, sometimes daily, demanding payment for an alleged debt of {$44.00}. I requested a copy of my statement showing what I owed. I was told it could not be provided. After several requests, including calling customer service, I could not determine what the charges were for. 

Since this time a derogatory rating has been placed on my credit report. Despite multiple attempts to validate the debt, no proof has been provided. Attempting to contact customer service for this issue has resulted in " we can't do that '' and " it's out of our hands '' and no other remedy has been provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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 payment 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.

This company 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 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 2024-07-29 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 sending my identity theft report for fraudulent accounts still being reported on my credit. I have already notified Transunion that these are from fraud.

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 2024-07-29 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: CA

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX for that because my cards will just get declined due to my credit score being low with all these wrong information.

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 2024-07-29 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: GA

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: AL

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

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 2024-07-29 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: AZ

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 
4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Delete this 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 explanation