vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a BofA checking account and had a BofA credit card. Credit card charged off XXXX. A {$150.00} offset was charged to my checking account on XXXX. They claim I called on XXXX to set up monthly auto pay from my checking account to pay credit card. I cancelled auto pay on or about XXXX, via BofA mobile app, I have Direct deposit from XXXX XXXX  ( XXXX HOURS PER MONTH ). I am on fixed income, student, pay rent and car note. I immediately called and got transferred XXXX different depts and refused to refund the {$150.00}. I have attached proof via bank screen shoots

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 2024-07-07 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: PA

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.

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 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I didn't authorise these communications that's 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 2024-07-07 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: GA

Complaint narrative:
This item was paid and has a XXXX balance. It is negatively impacting my ability to obtain credit and employment. Please remove from my report. 

XXXX XXXX XXXX XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This item was paid and has a XXXX balance. It is negatively impacting my ability to obtain credit and employment. Please remove from my report. 

XXXX XXXX XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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'm making a complaint due to unauthorized accounts and inquiries on my report which I don't.t recognized. This is against my consumer rights, and I feel taken advantage of and I'm requesting this information be taken care of immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm making a complaint due to unauthorized accounts and inquiries on my report which XXXX don't.t recognized. This is against my consumer rights, and I feel taken advantage of and I'm requesting this information be taken care of 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 explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown information on my credit report. Over 60 days later I have not received any response yet. I feel as if I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report so they should be removed already since it's been well over 60 days. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. 

Items/ Accou

nts are below 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 XXXXXXXX

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 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown information on my credit report. Over 60 days later I have not received any response yet. I feel as if I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report so they should be removed already since it's been well over 60 days. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person. 

XXXX Accounts are below XXXX 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 XXXX XXXX

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

Complaint narrative:
XXXX XXXX has failed to provide validation information as required by law but has proceeded to report the collection account on my consumer report. This action has deprived me of the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Use of False, Misleading, and Deceptive Means : XXXX XXXX has engaged in false, misleading, misrepresentation, and deceptive practices in their collection attempts, which is a clear violation of consumer rights. 
Failure to Provide Required Disclosures : Portfolio Recovery has furnished accounts to consumer reporting agencies without providing the necessary disclosures as mandated by law, thus violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 
I urge the Consumer Financial Protection Bureau to investigate these violations thoroughly and take appropriate enforcement actions against XXXX XXXX. I also request that any negative reporting related to this disputed debt be removed from my consumer report until a valid verification is provide.15 U.S Code 1692c ( identity theft. They are the original creditor, This is an attempt to collect a debt all illegal. They havent validated anything

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 2024-07-07 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: GA

Complaint narrative:
XX/XX/2024 XXXX XXXX Dear XXXX XXXX XXXXXXXX XXXX I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on an account under an open ed 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 never gave you XXXX XXXX XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. XXXX XXXX XXXX XXXX has caused severe stress and XXXX due to the abusive and unfair practices. 
You XXXX XXXX XXXX XXXX should be ashamed of yourself for assuming this role and position to constantly commit fraud and cause harm to consumers! 
These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 

XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. 
It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, 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 2024-07-07 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:
As you can see the furnished is hurting my profile with late payments and negative items but doesnt show monthly payment doesnt show high balance or even term which is a violation of the FCRA. Its listed as a debt but a debt can only come from a loan or liability and I have neither to this credit group of child support enforcement its obvious this company is a for profit group in which I have no contract or paperwork connecting them with me. They have no payment status and no data listed for the month of XXXX up until now, at this point the lack of following the FDCPA practice and XXXX following the FCRA shows a complete disregard for its consumer and I demand the item be removed for clear violation of the FCRA Equifax is showing late payments for XXXX and its hurting my score tremendously but I have a letter from XXXX stating they removed the account please update immediately.

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

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

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 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

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

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXXXXXX 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

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 2024-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
My previous employer open credit card under his business and put me as co-sign on account, so now he stop pay and credit card American Express chase me for money, i need help for this to be remove from my name and from my ss. 
so they pay from this card for their company needs, so when i resign from this company, they add my bank account to Amex credit card on auto pay, so XXXX months Amex charge my bank account for payment for this card, so i call Amex and they tell me that payments are taken for XXXX XXXX, so i told them that i dont have XXXX XXXX open with them, so since then XX/XX/year> they open investigations and still is on, but they keep telling me that im responsble bcoz im co sign on acc, i told them that previous company they use my informations use my SS and put me as co sign, plus they have my bank XXXX and use my XXXX as auto pay for this car, so they try to XXXX me up maximum as possible, so they dont wan na remove my name from this account bcoz was done XXXX payment from my account, but im telling them they add my bank XXXX as autopay, i did not, plus im telling them to investigate who make first payment from this account, they dont wan na check who did first payment and where money was spend, this is nightmare for me for 18 months, i want this to be over and my name to be clear from this account!

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

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify are accurate : 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 non-monetary relief
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify are accurate : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

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.

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 non-monetary relief
Consumer complaint received 2024-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TomoCredit Inc.
State: MN

Complaint narrative:
In XX/XX/year>, my TOMO credit card was unexpectedly blocked. The credit line for this card is {$1000.00}, and it currently shows a credit balance of - {$1400.00}. This negative balance indicates that there was a refund of {$400.00} from a merchant, which means TOMO Credit owes me this amount. Despite this, I am unable to access or use my card. 
I have made numerous attempts to contact customer service department to resolve this issue, but I have been met with automatic replies that do not address my concerns or provide any solutions. The lack of effective customer service and communication is unacceptable. 
I urgently request the following actions : Immediate unblocking of my TOMO credit card so that I can use it again. 
Confirmation and processing of the {$400.00} refund that is owed to me. 
A direct response from a customer service representative to resolve this issue as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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:
XXXX, TransUnion and XXXX failure to provide me with verifiable proof required to post the accounts listed below proves that it does not exist and is therefore Unverified. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616, Section 617, False derogatory and defamation of character. If the UNVERIFIED items listed below are not deleted within XXXX business days. Copies of this Affidavit of Identity theft report FTC Fraud report, Consumer Financial Protection Bureau complaint and etc letters as well as copies of written letters sent to XXXX, TransUnion and XXXX previously will also become part of a formal complaint to the Federal Trade Commission and also shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. XXXX Delete the fraudulent accounts. Despite all my documents and written requests, the unverified fraudulent items listed below still remain on my credit report in violation of Federal Law. In the results of XXXX, TransUnion and XXXX investigations, XXXX, TransUnion and XXXX stated in writing that you Verified that these items are being reported correctly? Who verified these accounts? How did they verify them? You still have not provided me with the name of the individual, business address, and telephone number of the person or business contacted during the re-investigation. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it. Furthermore, XXXX, TransUnion and XXXX have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - Experian, TransUnion and XXXX are required to ... promptly DELETE all information which can not be verified.

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