vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I deposited XXXX XXXX XXXX money orders totally {$2100.00} into a bank of America ATM on XX/XX/2023. They rejected this money order and sent me a letter a few days later indicating they would return my money order. They never returned it so I went to my branch in XXXX XXXX, XXXX, WA to ask for help. 

They gave me a number to call and after a long time on the phone someone told me they would send me the money orders back but they never came. I was getting nervous because I was leaving the country for a month so I filled out some paperwork to allow them to send the money order directly to my bank branch so they could deposit it while I was out of the country. They never sent it back. 

When I returned home I went to my branch and they had received printed copies of the money orders, but not the originals. I called the number again and their representative told me the bank should be able to cash the money orders based on the images they sent. I went back to the bank and they couldn't cash them because the dollar amounts had been blacked out on the photocopies. After multiple frustrating phone calls ( where people around the country assured me they had resolved it ), someone at my branch suggested I have the money orders cancelled. 

The people who gave me the money orders had luckily kept the receipts, but when they went to cancel them, they found they had been cashed on XX/XX/XXXX, while they were in Bank of America 's custody. 

I called the number again and again trying to seek resolution. I asked to file a claim and they refused to put me in contact with the claims department. I found the department using the AI tool on my banking app and filed a claim. Bank of America credited my account with {$2100.00} while they were reviewing it but they rejected my claim and never gave me a reason. I called the claims department and expressed my frustration, asking for an explanation of how the money orders could have been cashed while in their custody. Even though they could have easily called XXXX XXXX and entered the money order numbers to check this themselves I faxed them copies of the receipts with all the relevant dates. After a few days they sent me a letter saying they had rejected my claim, providing no explanation. 

I called the complaints department again yesterday and they purposefully obfuscated. Their representative kept repeating, " We recommend that you cancel the checks '' even after I explained that their institution had cashed them already. 
I've spent many hours on this and it seems very clear : Bank of America stole {$2100.00} from me. My interactions with their representatives have led me to believe that they have an intentional policy not helping their customers.

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 2023-11-23 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: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
On or about XXXX XXXX, I received in response to my inquiry three sheets of paper, each titled " Here 's an update on your disputed charges ''. Transaction Post Date on each was XX/XX/2023. Merchant name on each was AMZN XXXX XXXX ( followed by a different alphanumeric XXXX digit string on each sheet ). Transaction amounts and Dispute amounts were shown as {$140.00}, {$400.00}, and {$580.00}. On XX/XX/2023, I responded that there was no physical description of the items I had allegedly ordered. 
The date XX/XX/XXXX makes no sense since the incident where Amazon began the shipment of XXXX or more items that mysteriously appeared in my shopping cart was on XX/XX/2023, the date XXXX began delivering all of them even though I had not ordered them or even knew what they were. 
In numerous conversations with the Fraud Department of the Chase Bank I made it clear that I did not order these items, and successfully returned all but six of them which lacked return instructions, instructions that Amazon refused to send me, but instead told me over the phone to dispose of the unreturned items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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: NY

Complaint narrative:
There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer. 
Provide accurate information about accounts or other interactions you have with customers.

C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report.

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation. 

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 
XXXX  XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX Charge-off {$710.00} XXXX XXXX Repossessions {$17000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23 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: NY

Complaint narrative:
There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer.

Provide accurate information about accounts or other interactions you have with customers.

C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report.

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation.

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 
XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX Charge-off {$710.00} XXXX XXXX Repossessions {$17000.00}

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 2023-11-23 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states that I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 166b states that a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2023-11-23 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states that I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 166b states that a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/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 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23 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: WA

Complaint narrative:
XXXX XXXX XXXX Has A {$1500.00} Collection That Is Not Mine

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 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: WI

Complaint narrative:
Double reporting issues with a " XXXX '' status on my XXXX credit report. There are XXXX separate " XXXX XXXX XXXX '' reports happening on my XXXX account that are highly inaccurate as the company can only " XXXX '' or XXXX XXXX XXXX  ONCE on an account. You will see on my XXXX credit report as of XX/XX/XXXX that Santander Consumer USA has reported this information XXXX! Once in XX/XX/XXXX and again in XX/XX/XXXX! That can not happen and is in clear violation of the FCRA and a lie to the consumer reporting agencies! The other discrepancy noted on my credit reports is that on my XXXX report, Santander Consumer USA HAS NOT REPORTED A " XXXX '' or XXXX XXXX XXXX in XXXX of XXXX and that it is being reported on XX/XX/XXXX! As well as my XXXX credit report shows that a XXXX XXXX status was put in place in XX/XX/XXXX! With a term duration of only XXXX Months? This account is also inaccurate and is in clear violation of the FCRA as Santander Consumer USA DOES NOT KNOW THIS INFORMATION TO PROPERLY REPORT IT TO THE XXXX MAJOR CREDIT REPORTING AGENCIES!!! This company is potentially making up information as they go when they come under fire for disputes from agencies and the CFPB or XXXX! This account needs to be deleted from all of my credit reports as it is in clear violation! Attached below is my most current reports from XX/XX/XXXX that will prove this information to be inaccurate and false and needs to be removed from all XXXX of my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I have been unable to sign up or use XXXX with TD Bank, their XXXX support sent a report to XXXX whom refused to lift restriction, in which case, a separate complaint filed against XXXX in XXXX ... XXXX replied by stating the number used to sign up for XXXX, XXXX XXXX XXXX, shows no such restriction, advised to sign up again, in which case, same error message, " we've restricted access to this service ".

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I settled my account XXXX XXXX XXXX  XXXX XXXX account with XXXX XXXX XXXX On XX/XX/2023 with the understanding that account will be deleted from my credit report. I have tried to do this with the bureaus but they just don't do 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 2023-11-23 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: NV

Complaint narrative:
I settled my account XXXX XXXXXXXX XXXX XXXXXXXX XXXX account with XXXX XXXX XXXX On XX/XX/2023 with the understanding that account will be deleted from my credit report. I have tried to do this with the bureaus but they just don't do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 2023-11-23 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: MS

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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: PA

Complaint narrative:
I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

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 2023-11-23 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: NV

Complaint narrative:
We purchased a new Car in XX/XX/2022- which I did authorize XXXX XXXX to run my credit but after reviewing it there are a lot of inquiries showing which have nothing to do with my loan from XXXX XXXX XXXX ( XXXX ) XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX this showed up XXXX with XXXX different dates XX/XX/2022 and XX/XX/2022 which i authorized neither XXXX of them

Company response to consumer: Closed with explanation