vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-01 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: CA

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. 

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, ( Original Creditor : XXXXXXXX XXXX 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 an 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 2024-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
The last complaint I filed against Huntington Bank was not a duplicate complaint so now they lie to avoid take responsibility for wrongness of XXXX XXXX. As telecheck has accused me of having an account with Huntington Bank I NEVER HAVE. If you are serious about resolving this problem then you contact telecheck just the simple and you turn this over to your experts THE FRAUD DEPARTMENT. Then I will take Huntington Bank seriously about what happened to me by XXXX XXXX using XXXX fake SSN numbers XXXX and XXXX at XXXX XXXX XXXX XXXX MI XXXX XXXX involved XXXX and XXXX and XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX 

Identity theft fraud chase claim no. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: CA

Complaint narrative:
XXXX XXXX Account Number- XXXX I am now requesting proof of the previous investigation. I m asking that you send your method of investigation, a long with all records of who you spoke with, their business address, name and phone number as well as documentation that proves this account was late, If you can not provide me with this information In 15 days update the account to Paid/never late and send me a copy of my updated credit report thank you

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 2024-06-01 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: CA

Complaint narrative:
XXXX XXXX Account Number- XXXX I am now requesting proof of the previous investigation. I m asking that you send your method of investigation, a long with all records of who you spoke with, their business address, name and phone number as well as documentation that proves this account was late, If you can not provide me with this information In 15 days update the account to Paid/never late and send me a copy of my updated credit report thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have contacted the bank on multiple occasions last on XX/XX/year> at approximately XXXX hrs for 34 minutes regarding my claims that have been denied and or are still in review and as always, the conversations were unproductive as Bank Of America has cut off my access to statements and relevant documents online due to them, not doing business with the California XXXX XXXX XXXX  anymore. This is hindered my ability to see transactions relating to my account, in addition to being able to claim the transactions that are fraudulent on my account and thats is the reason for denying my claims as there is misinformation that I am not privy to anymore that I cant seem to get access to that may or may not enlighten them as to why they think the claim should be denied. After several conversations about this over the last month, I have become convinced that Bank Of Americas ability to make an accurate determination, on the following claims - Claim # XXXX - Claim # XXXX - Claim # XXXX - Claim # XXXX - Claim # XXXX To be unlikely at best and am requesting oversight from the consumer financial protection bureau to assist in anyway possible to ensure a competent and fair resolution in my claims with Bank of America

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 2024-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX I received a notice of rent payment due. This was an error as my lease ended XX/XX/XXXX. 

I called my landlord immediately, he said he could not do anything about it and I had to call my bank. 

I call Bank of America and told them to reject any request or authorization for fund. I expressly stated I knew it was for rent and that it was fraudulent. 

On XX/XX/XXXX I went to do banking and noticed {$2700.00} has been sent by Bank of America. I called to ask why they sent the money. 

They can see how I called and declined the charge on XX/XX/XXXX. They are refusing to return the money to my account. 

I now have had to move money to pay bills and they refuse to explain why they did the wrong thing by sending the money. There is no reason they did not credit my account for {$2700.00} immediately on XX/XX/XXXX. 

It is now XXXX. I want to file federal charges for fraudulent banking practices against Bank of America.

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 2024-06-01 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: VA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-06-01 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: VA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: MD

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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : XXXX, Account name : 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 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. 16815-2 ( 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 2024-06-01 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: CA

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. 

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, ( Original Creditor : XXXX XXXX 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 an 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 2024-06-01 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: CA

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. 

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, ( Original Creditor : XXXX XXXX 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 an 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 2024-06-01 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: CA

Complaint narrative:
Dispute of Inaccurate Information on My Credit Report Dear CFPB, I am writing to dispute inaccurate information on my credit report related to the following accounts with XXXX XXXX : - Account : XXXX - Account : XXXX Despite my efforts to resolve this issue with both the creditor and Experian, the inaccurate information remains. I have contacted XXXX twice and requested to speak with a supervisor. Each time, I was either redirected to another representative or offered unrelated services. This has not led to any resolution. 

The problem began when XXXX claimed an issue with my card on file, which I promptly addressed on the same day. However, they failed to update their records correctly. This error has caused significant hardship, including a drastic drop in my credit score from the high XXXX to the low XXXX, resulting in the rejection of my apartment application. I am now facing the possibility of homelessness with my daughter. 

According to 15 U.S.C. 1681a ( i ) Exclusions, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Since this situation falls under this provision, this information should not be included in my consumer report. 

I respectfully request that you investigate this matter and ensure the removal of these inaccurate entries from my credit report, please. 

For further correspondence or legal inquiries, please contact my attorney : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX Phone : XXXX Thank you for your attention to this urgent matter. 

Sincerely, 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 2024-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: NC

Complaint narrative:
Wakefield & Associates did not apply a payment. The company sent a statement # XXXX dated XX/XX/XXXX for {$35.00}. It was for services received on XX/XX/XXXX. A check dated XX/XX/XXXX for {$35.00}, along with the statement remittance stub, was sent to Wakefield & Associates.The statement number to which to apply the payment was written clearly on the check face and the amount was noted on the remittance stub. Wakefield & Associates has not yet reflected the debt as paid after phone and several email contacts! They have been uncooperative and do not have incentive to be so.! 

A statement to collect the paid debt was received in XX/XX/XXXX from XXXX. I notified them to debt was paid to Wakefield & Associates. A copy of the canceled check was sent to XXXX and Wakefield & Associates in an email. No further contact was received from XXXX. XXXX said uncollected debt passes from one company to another. A statement to collect the paid debt was received from XXXX XXXX XXXX in XX/XX/XXXX. A copy of the canceled check payable to Wakefield & Associates was sent to XXXX. We have not received further contact from XXXX. 

It seems it will be necessary to notified succeeding debt collection companies the debt was paid to Wakefield & Associates in perpetuity until they show the debt as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: VA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-06-01 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: IL

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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