vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
The balance and dates of payment are reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On the morning of XX/XX/year>, my Bank of America credit card was stolen from my purse, probably when I was visiting with some friends at XXXX in XXXX, Maryland. I did not realize that my card had been stolen, until later in the day, when I checked my phone voice messages, and there was a message from Bank of America. Thinking it might be a scam ( it wasn't ) I looked up the phone number of B of A on my latest bill, and called that number. I learned from that call, that, unknown to me, my credit card had been used at a XXXX. I then checked my purse, and realized that my B of A credit card had, in fact, been stolen. 

Bank of America agreed to send me a new card, with a new account number, and I was left with the understanding that the {$100.00} charged on my stolen card, would be removed. But yesterday, I received a letter in the mail from Bank of America saying that B of A was " unable to approve '' my " recent claim. '' In other words, that {$100.00} charge will remain on my account. 

Once I had learned that my card was stolen, I alerted management at the XXXX where the theft of my card had occurred. I also alerted the XXXX XXXX Police Department, by filing a report, through their non-emergency phone number. 

I have no other problem with Bank of America. They were prompt in sending me the new card. But I want the {$100.00} charge that was incurred after my credit card was stolen, removed from my bill. I always pay my balance in full, but I am not willing to pay for a purchase made with my credit card, after it was stolen. 

I think that the fact that Bank of America called me after the purchase was made at Target, shows that B of A in fact had reason to believe that the purchase made was not by me, but rather on a card that had been stolen from me. I don't know what that reason might have been, but somehow they must have known that this was not a purchase by me, but rather by someone else with my stolen card.

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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian was notified that the account XXXX XXXX is not mine. The only legitimate XXXX account I have is associated with XXXX. It has been over 60 days, and they have failed to remove this from my credit report even though XXXX and XXXX have removed this account. My personal information was compromised in a data breach, which led to this unauthorized account being reported. How are you validating this information? Please send the following information used to validate the validity of this account. I am requesting 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation original contracts used to validate the dispute. 5. Also, the procedures your company have in place to ensure each account is 100 % correct which I doubt. IF YOU CAN'T PROVE IT, YOU MUST REMOVE IT OR PAY XXXX per VIOLATIN YOU ARE COMMITING. If you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance

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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

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 XXXX 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 2024-12-07 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: MD

Complaint narrative:
I am writing to formally request that the following accounts and addresses be blocked and deleted from my credit report. I am a victim of a recent data breach, and as a result, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these accounts and personal information removed from my credit file. 
The following charged-off accounts should be blocked and deleted : XXXX. XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$5600.00} XXXX. XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$16000.00} Additionally, the following addresses are associated with fraudulent activity and should be removed from my credit file : XXXX. XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX AV, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, FL 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 2024-12-07 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: MD

Complaint narrative:
I am writing to formally request that the following accounts and addresses be blocked and deleted from my credit report. I am a victim of a recent data breach, and as a result, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these accounts and personal information removed from my credit file. 
The following charged-off accounts should be blocked and deleted : XXXX. XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$5600.00} XXXX. XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$16000.00} Additionally, the following addresses are associated with fraudulent activity and should be removed from my credit file : XXXX. XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NCB Management Services Inc.
State: HI

Complaint narrative:
I made several attempts to fix this collection on my all my reports for years now with XXXX outcome. NCB Management Service does not understand i was a victim of the last hurricane in XXXX florida which destroyed my home my car and lost everything i filed with the IRS 1099c to forgive all debt not only can XXXX or XXXX XXXX  or NCB Management collect on this debt and it should be removed immediately from all credit bureaus and if they continue the harassment i will be forced to file legal action against them. Not only was XXXX also violating state law by charging ridiculous intrest rates which mand predatory practices which i reside. So if NCB Management does not which to be called in lawsuit i highly suggest they remove this collections from my reports XXXX, a lending service under XXXX XXXX, has been involved in several lawsuits, including those in Florida, due to allegations of unfair and predatory lending practices. Common issues include charging excessive interest rates, misleading borrowers about loan terms, and withdrawing funds from customer accounts without authorization. 

For instance, a borrower in Florida claimed that XXXX misrepresented loan terms, resulting in payments the borrower could not afford. XXXX, which operates XXXX, was recently fined {$15.00} million by the Consumer Financial Protection Bureau ( CFPB ) for violating consumer protection laws, including unauthorized account debits and deceptive communication about loans. 

If you believe youve been impacted by XXXX practices, you might consider consulting a consumer rights attorney or filing a complaint with the CFPB to explore potential legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was involved in several national data breaches ( neglectful Equifax being one. ) As a result my information has been stolen then sold on dark web to the highest bidder ; only then be used fraudulently without my knowledge to open many different accounts. I have been battling these fraudulent charges and accounts for many years and countless hours. XXXX, Equifax and XXXX has made this process extremely difficult and nearly a winless battle. I filed to have these charges removed and blocked using section 605B of the Fair Credit Reporting Act, which requires these above mentioned agencies to remove and block the fraudulent information on my credit report from or as a result of identity theft within XXXX ( XXXX ) business days. If these credit agencies are unable to promptly notifye furnisher ( s ) of the listed information see [ 15 U.S.C. 1681c-2 ] section 611 ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act, and i have also requested these listed agencies send the required notifications to all furnishers of this information on all accounts listed in original complaint ( s ). The above listed organizations have failed to comply in the timely manner set forth by the Fair Credit Reporting Act. I ask for the original reports to be blocked and removed. The time frame is not negotiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: NY

Complaint narrative:
My rights have been violated as I did not provide written permission to the creditor to include any information on my credit profile, in accordance with 15 USC 1681b2. Furthermore, their actions appear to constitute Aggravated Identity Theft under 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used my means of identification without lawful authority, which is a felony punishable by up to XXXX  years of imprisonment, in addition to potential civil liability.

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 2024-12-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kikoff Inc.
State: MI

Complaint narrative:
want to dispute this and remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: MI

Complaint narrative:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As I know the creditor didnt notify me XXXX days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

Account : XXXX XXXX Months and Years of Late Payments : As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
The issue is with Comenity Bank regarding a XXXXXXXX XXXX XXXX purchase. 
I made a purchase back in or around XX/XX/year>. The purchases were : Magnetic Curtain Rods and a floor mat. 
Unfortunately the curtain rods did not work for me so I returned them however I kept the floor mat. 
I returned the curtain rods ( at my expense ) sometime in late XXXX or early XXXX. I called about XXXX weeks later to make sure that they were received. I was told by customer service that XXXX was in the process of installing a new technology system and that they could not access any records. I was told to call back in a few weeks. I called back XXXX or XXXX weeks later. I was informed that they were having issues with the new system that was installed and I should call back. I called back a week or XXXX later. Now I am informed that they have no record of my items being returned. In the meantime I have made XXXX or XXXX payments to more than cover the mat that I kept. 
I have been dealing with this all year. We are getting nowhere. They claim to have looked into this XXXX or XXXX times, and they conclude the same, and that is that I owe them for this merchandise. 
The original order was around {$220.00}. Now they are insisting that I owe over {$400.00} ( this included all types of late fees... etc ). 
Look I am a XXXX year old veteran. I am not trying to swindle XXXX XXXX  out of {$200.00}. I also am not in a financial position to give them money that I DO NOT owe them. 
Obviously either the XXXX XXXX lost the package or XXXX receiving dept misplaced it. Either seranio is not XXXX I feel I should be responsible for. I wish I had sent the packages registered but honestly I just could not afford it. 
I returned the merchandise and paid for the XXXX item I kept. I am sick and tired of going around in circles with them regarding this issue. 
they are destroying my already pathetic credit. 
I want them to take this off my credit in a manner that will not harm it any more. I can not be responsible for what the XXXX XXXX or their receiving dept does. 
I promise to close this account ant to NEVER utilize XXXX  ever again nor will I ever recommend them to a living or deal soul!!! 
Please help me. I am so tired of dealing with this!!!!!!!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

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 XXXX 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 2024-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX Im trying to withdraw my funds {$2900.00} from XXXX. 

XXXX randomly told me that my account is restricted and under review. My account is now locked and has been locked for a week. I wasnt told why. XXXX told me to upload my Drivers License and a picture of my face to verify who I am. I was told by XX/XX/year> my case would be resolved. When I checked today ( XX/XX/XXXX ) Im now being told it will be resolved tomorrow XX/XX/year>. 

All I want to do is withdraw my funds because I NEED THEM! 

I looked online and hundreds of other people are having the same issue with XXXX. 

Their customer service is non existent. The only number they have to call leads to an automated message that hangs up on you. Ive yet to be able to chat with someone through their APP. Its been days and Im still waiting to be connected to an agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
I have a Chime accout and attempted to transfer {$100.00} to my XXXX  XXXX account, The account the funds were sent to ending XXXX were denied by XXXX XXXX as this account was closed years ago. I filed an investigation with chime and included documentation from XXXX XXXX which stated the traansfer was denied and funds returned to chime. Chime gas the {$100.00} but is refussing to credit my account and embezzle the funds. Chime cloed the investigation saying the would not returnn the funds to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-07 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: NY

Complaint narrative:
When it comes to these agencies theyll reporting different inaccurate information I got a email about a breach that people now have my information which is now effecting my credit report. 
XXXX XXXX and trasunion are all report 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 explanation
Consumer complaint received 2024-12-07 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: NY

Complaint narrative:
When it comes to these agencies theyll reporting different inaccurate information I got a email about a breach that people now have my information which is now effecting my credit report. 
XXXX  Equafax and XXXX  are all report wrong information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
XX/XX/year> I recieved email saying I have a " Equifax Data Breach Settlement Additional Pro Rata Payment '' for {$22.00} XX/XX/year> I got email with card info. I activated card. Website said I can only use it on websites. 

I tried to use it at XXXX online. Denied. Tried to use it at XXXX online. Denied. Tried to add to XXXX XXXX. Denied. 

All attempted payments were less than {$20.00}. 

XX/XX/year> called card customer service who told me there is a an automatic blocking of card whenever " bad charges happen ''. I said I used at legitimate sites, asked how to prevent this auto denial? He said " be more intentional entering numbers ''. 

All numbers were entered correctly each time. Intentions make no difference when entering card numbers. 

Customer service said they'll send an unblocked card link in XXXX min. 

It has been over XXXX hrs and no unblocked card link, nor is it in my junk mail folder. 

My friend who has a Equifax Data Breach Settlement Additional XXXX XXXX XXXX card also has their card denied.

Company response to consumer: Closed with explanation