vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
1- I am a well established customer of BofA and have several checking accounts.

2- I have a credit card with BofA . For the past 3 months my balance with this Credit Card was negative.

3- I had tried online to transfer the credit to my checking account, but this feature is not available on line.

4-Two days ago I realized that BofA made a transfer of the credit and I was checking to identify which of my accounts was credited with this balance.

5- I couldn't find it and called the Customer Service of BofA .

6- They advised me that they CUT a check and put it in the Mail. It takes 7-10 days to receive the check!

7- My complain is ( a ) why BofA didn't do an electronic transfer to my accounts? The funds would be credited immediately. 
( b ) Instead, by cutting the check and mail it BofA is using the funds for a period of 5-10days until the check is delivered and another 2-3 days after the fuds are available in the deposited account, i for a total of approx 7-13days the bank is using the funds for her own purpose. 
If BofA practices this method of refund, is it legal? 
Are such practices legit and conform with laws? 
The sums are extremely big, considering the amount of customers who expect daily such refunds.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 explanation
Consumer complaint received 2025-01-07 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: MO

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-01-07 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: OH

Complaint narrative:
1. Equifax isthe only agency refusing comply with the Fair Credit report Act : 605B ( 15 U.S.C 168 ) they refuse to issues a BLOCK on fraudulent account : XXXX XXXX XXXX  Original Creditors : XXXX XXXX XXXX XXXX XXXX XXXX account number : XXXX status : in collection listed in my FTC REPORT : XXXX XXXX. Equifax refused to update my credit report and list open account Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account type : XXXX XXXX Date opened : XX/XX/year> Open/closed : OPEN Status : OPEN/NEVER LATE Balance : XXXX $ Original Balance : XXXX $ Paid off : 90 % Monthly payment : XXXX $ Terms : 25 MONTHS Responsible : INDIVIDUAL XXXX. Equifax refuses to provide free copies of my credit report on annualcreditreport.com XXXX. They have refused to comply with FRC These things linger on my credit and contribute to me being homeless and unable to get a high paying job because employers run a credit history, I have been denied loans to further my education. EQUIFAX is causing me to have so much pain and suffering

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: SC

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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 2025-01-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
We opened an account with XXXX XXXX but cancelled it on the same day! They told us to rest assured that the account will be closed and nothing will be charged. They continued to charge us for the next 3 months before we realized. We got on the phone with them, chatted with them multiple times, and they kept saying they would refund those charges ( {$240.00} ), because they agreed we did not get any service from them, not a single day. After multiple calls and chats with XXXX, XXXX refunded us the unlawful amount they charged, on XX/XX/year>, as you can see in the statement screenshot of my XXXX card ( {$65.00}, {$64.00}, {$110.00}, totaling {$240.00} ). We thought the account was closed and everything was taken care of. 

But then on XX/XX/year> they re-added the entire amount for no legitimate reason ( {$5.00}, and {$240.00}, totaling {$240.00} ), then charged us late fees plus other fees totaling {$16.00}, in the XX/XX/year> bill. Then again on the XX/XX/year> bill they charged us a late fee again, of {$5.00}. After this they went ahead and closed our account and sent it to collections without any notification. We only got the letter from the collection agency Credence today for the entire amount ( {$240.00} + {$16.00} + {$5.00} = {$260.00} ). We called XXXX mobile today and nobody could open up the account because it was " closed and sent to collections ''?! So they couldn't do anything? But the collection agency told me XXXX needs to fix it and apply a balance to the collection account to close it out... Please help, this is just outrageously fraudulent...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: MI

Complaint narrative:
I am a victim of a data breach, in which my personal information was exposed. As a result of this breach, I am requesting that any fraudulent inquiries opened in my name be blocked and deleted in accordance with my rights under 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ).

Specifically, I request that Experian block and delete : Inquiries : - XXXX - XXXX XXXX XXXX  - XXXX  - Experian Buisness Credit Card These inquires were created as a result of identity theft or unauthorized use of my personal information. I believe this is a direct consequence of the data breach and should be promptly addressed. 
To support my request, I have enclosed the following documentation : A copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ). A copy of my government-issued identification, Proof of address Any other required documents for verifying my identity and the fraudulent activity. 
Please take the necessary steps to block and delete this fraudulent inquiries associated with identity theft from my credit file. In accordance with the FCRA, I request written confirmation that these actions have been completed and that my credit report has been updated accordingly.

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 2025-01-07 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : HXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I reviewed my credit report and noticed one bankruptcy in my file. This does not belong to me.

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 2025-01-07 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: TX

Complaint narrative:
The ongoing presence of fraudulent inquiries on my consumer report has created a devastating cascade of personal and financial consequences, despite my repeated attempts to resolve this issue. As a confirmed victim of identity theft, these unauthorized inquiries have severely impacted my ability to achieve crucial life goals, most notably preventing me from purchasing my dream home and adequately providing for my family 's needs. The emotional toll of dealing with this identity theft has been immense, particularly as I watch these fraudulent items continue to damage my financial standing despite having no connection to or responsibility for them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
15 U.S Code $ 1681c-2 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, no later than 4 business days after the date of the receipt. It has been 30+ days and they are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN
CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 

XXXX XXXX XXXX- -- -> Account Number : XXXX Charge off/closed account : {$5900.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Charge off/ closed account : {$79000.00} 3. JPMCB CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX ) Collection/charge-off : {$8300.00} Account Number : XXXX XXXX. JPMCB CARD Account number : XXXX Collection/closed account : {$0.00} Did not consent to unauthorized inquiries below, the inquiries were not authorized. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX ) Date of inquiry : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX ( XXXX ) Date of inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX ( XXXX ) Date of inquiry : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX ( XXXX ) Date of inquiry : XX/XX/XXXX Creditor Name : XXXXXXXX XXXX XXXXXXXX ( XXXX ) Date of inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXXXXXX ) Date of inquiry : XX/XX/XXXX Creditor name : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) Date of inquiry : XX/XX/XXXX Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX of inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX ) Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXXXXXX ) Date of inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXXXXXX ) Date of inquiry : XX/XX/XXXX Creditor NamXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Date of Inquiry : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: CCS Financial Services, Inc.
State: AR

Complaint narrative:
I am writing to formally request your assistance regarding inaccurate and potentially unlawful collection accounts that have been reported on my credit report. I am submitting this complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( 5 ) ( A ), which mandates that a credit reporting agency must reinvestigate disputed information and, if it is found to be inaccurate or incomplete, remove or correct the information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: CA

Complaint narrative:
It has come to my attention that my personal information was exposed in a national data breach, compromising my sensitive data. Upon reviewing my credit reports, I identified accounts that I do not recognize or recall opening. I submitted a request to the Consumer Reporting Agencies ( CRAs ) for validation of these accounts ; however, the required documentation has not been provided as mandated under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ). This failure to validate the information and the presence of unverified accounts on my credit report raises significant concerns about the accuracy and security of the data being reported. To address this matter, I have filed an FTC complaint regarding the breach and the unrecognized accounts and attached supporting evidence, including my government-issued ID, a copy of the FTC complaint XXXX the XXXX XXXX XXXX XXXX report XXXX and a prior Validation of Debt letter.

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 2025-01-07 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: IL

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX Il XXXX XXXX Dear XXXX, XXXX XXXX and Equifax This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the accounts listed below. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX AND XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: IL

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX Il XXXX XXXX Dear Experian, XXXX XXXX and XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Experian credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the accounts listed below. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX AND XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: NC

Complaint narrative:
Hunter Warfield is attempting to collect a rental debt of {$6500.00} that I do not recognize. The documentation provided by Hunter Warfield includes a lease agreement containing only initials ( " XXXX '' and " XXXX '' ) rather than my full legal signature. I believe this is insufficient to verify my responsibility for the debt. 

Additionally, the move-out bill they provided lists {$1500.00} in damages, but the total debt they are reporting is {$6500.00}. This significant discrepancy raises concerns about the accuracy of the debt. Specific charges such as trash removal ( {$260.00} ), unauthorized pet XXXX ( {$260.00} ), and cleaning fees ( {$320.00} ) have not been properly justified or supported with documentation. 

I have requested validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). To date, they have failed to provide clear evidence, such as a fully signed lease agreement, a detailed breakdown of charges, or proof of their legal right to collect this debt.

Company response to consumer: Closed with explanation