vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX XXXX These are fraudulent accounts About 2.9 billion people may have had their personal financial data compromised, a lawsuit alleges. 
" It's not a matter of if, it's a matter of when '' you may be personally affected by a breach, one expert says.

Experts say there's one best step to take to protect your personal data. Criminals have posted on the dark web a database containing data on 2.9 billion people, offering to sell it for {$3.00} million, according to a lawsuit filed in Florida. And according to the XXXX XXXX XXXX The breach, which includes Social Security numbers and other sensitive data, could power a raft of identity theft, one expert says. ( XXXX XXXX / XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I spoke with a representative at Amex customer support named XXXX on XX/XX/year> to confirm that I would be receiving the {$200.00} statement credit after spending {$1000.00} on my card in the first 90 days as that was what the mailer said that I received when I signed up for the credit card. I spoke to XXXX today on XX/XX/year> who said she is a supervisor and was not assisting me and would not pull the notes from my previous call on XX/XX/year>. I also contacted the customer support center before that to also confirm that this offer I received in the mail was legitimate and they also confirmed several times to me that yes I will receive that statement credit as long I spend the required amount which I did. She confirmed to me that I will see that statement credit on my XX/XX/XXXX statement but I just received my credit card statement today and that credit is not there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: MD

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: MD

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-09-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TomoCredit Inc.
State: IL

Complaint narrative:
Tomo Credit is a credit card/financial services company has been charging {$8.00} a month on my credit card for services that the company claims will assist in improving your credit score. I have not seen any truth to this claim. On XX/XX/XXXX, I sent an email to Tomo requesting to cancel, and asking about instructions on how to do so. I did not receive a reply to this response. Tomo attempted to charge my card again on XX/XX/XXXX, and sent several emails informing me that they have been unsuccessfully attempting to charge my card. Again, I reached out to the company and requested to cancel any existing subscriptions and to refrain from charging my card. I received XXXX follow up emails : one blanket response with claims on how the company can improve your credit score, and asking if I was sure that I wanted to cancel ( I replied and again, told them to cancel and stop charging mt card ), and a second email a week later asking if I was sure that I wanted to cancel. There is no intention on cancelling any services with this company. There is no way to do so online and after several requests, the only response from this company is several emails asking the consumer if they are sure that they want to cancel any subscription after repeatedly requesting to do so. Other consumers need to be warned about the fraudulent practices of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: PA

Complaint narrative:
I filed my XXXX dispute with the TRANSUNION credit bureau reporting agency about a XXXX XXXX credit card, which was charged off in XXXX. XXXX sent me a XXXX in XX/XX/XXXX and forgave the debt ; this was a charged-off credit card from XXXX years ago, and XXXX decided to write off the debt as uncollectible. i have already filed my IRS Tax returns TRANSUNION HAS ALREADY UPDATED THE BALANCE TO {$0.00} A MONTH AGO. THEN, I DISPUTED AND REQUESTED AN EARLY EXCLUSION FOR THE FILE TO BE DELETED, WHICH RESULTED IN RE-AFFIRMING THE ORIGINAL BAL OF {$11000.00} AS OF TODAY 'S CREDIT REPORT. 

I NEED THE BALANCE UPDATED TO {$0.00} BASED ON THE XXXX ISSUED BY XXXX XXXX XXXX XXXX REQUESTING TO BE DELETED. PLEASE NOTE XXXX AND XXXX HAVE ALSO UPDATED THE BALANCE TO {$0.00}

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 non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was approved for a loan by Light Stream. They looked like a legitimate loan company. They claimed they were sending me a loan for {$5000.00}. To pay off some debt but they hacked my account and did a bunch of fake disputes on my account and now I owe {$3400.00}. 
Her name was XXXX she was pretending to be the manager. 
Her XXXX phone # are/were XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: FL

Complaint narrative:
I request the immediate deletion of this unauthorized entry from my credit report, as it is not connected 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 2024-09-18 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: OH

Complaint narrative:
RE : You Violated The United States Code Law 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 instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 


1. Under penalty of perjury I swear this account is false and misleading XXXX XXXX Account Number : XXXX Please remove it from my credit report. 




I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is ILLEGAL, as each dispute and challenge must be addressed INDIVIDUALLY and on its own merits. My letters were created by software thats created for everyone. 

If you dont process my letters, you are VIOLATING 15 U.S. Code 5 1681. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party, may be available. This is NOT a legal exception. 

I am the AUTHOR of any letters you receive with my name on them. Either I or my advisors wrote them with my FULL KNOWLEDGE and CONSENT. I am aware that there is no law that says you need to provide a POWER OF ATTORNEY in order to delay processing letters from a consumer. IF YOU DO NOT PROCESS MY LETTERS IN A TIMELY MANNER, I WILL consider it to be an INTENTIONAL disregard for my rights. 


Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau CC : Attorney General 's Office CC : State Senate CC : Federal Deposit Insurance Corporation CC : Controller of the Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory Agency

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 2024-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My account was closed on XX/XX/XXXX due to suspected fraud of a check. The check was not honored and no money was spent or released from the check in question. I had some pending claim disputes still ongoing during the closure of the account, so I was told after the disputes are cleared that a cashiers check would be sent to my address on file & no deposits or withdrawals would be honored. I was told my estimated closing date is XX/XX/XXXX, allowing enough time for merchant to respond to my claims ( I put these claims in late XXXX ) I received a XXXX XXXX XXXX deposit to the should be closed BOA account on XX/XX/XXXX and instead of returning those funds to the creditor as they told me via letter and phone multiple times earlier in the month that they are not honoring any deposits or withdrawals as of XX/XX/XXXX and that funds would be sent back to originator, it was kept honored and posted to the account. My pending disputes were settled as of XX/XX/XXXX and BOA is still holding my funds for an estimated closing date of XX/XX/XXXX that could change at anytime which was contingent on the disputes being processed and handled, which they are all resolved. I am behind on rent and due to get evicted in a few weeks. I have nothing to tell my landlord besides BOA is holding my money. I didnt owe the bank at the time of account closure I actually had funds inside of the account, now I have over XXXX in the account I have not been able to access in well over a month. The XXXX deposit that was kept should have been returned to the creditor and it wasnt, this alone on top of my other funds sitting inside the account has put me in a bad space mentally and financially. The department I am transferred to treats everyone like a criminal and does not care to offer valid answers. I have asked to go inside of a branch to claim funds and was denied. I am in desperate need of my funds as my livelihood depends on it.

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 2024-09-18 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: NY

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had filed a complaint that this account should not be on my personal credit report because it is a business account, and I had requested from the company to proof otherwise. The company provided an account statement that clearly shows that it is a business account and it had my name on it. I am the owner and the director of the company, and that is why my name is showing on the account. However, the company has no proof whatsoever that I had signed any personal guarantee on the account and that I am personally responsible for the account. I had applied for the card on behalf of the company, and the card was issued to my company as a business credit card and not as a personal credit card. I am requesting a legal document, not just an account statement, stating that I am a personal guarantor on the account and signed by me. 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 explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXXXXXX XXXX 
LAST NAME : XXXX. 
DOB : XX/XX/year> NSS : XXXX SECURITY FREEZE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Athena Bitcoin Inc
State: MI

Complaint narrative:
On or about XX/XX/year> I received an alert in my PC that my financial account was hacked. 
I called the # and they directed me to " XXXX '' which in turn connected my computer and phone to an individual who ran a program that stated I had a {$19000.00} charge on my account to XXXX XXXX. He said to install " XXXX '' in my phone. At the top of the page it read ANTI-FRAUD AGENCY OF FBI. Assuming this was legit I complied. His next request was go to the bank withdraw funds and go to ATHENA ATM machine to deposit funds and that money would be held in a secure account via TRUST WALLET. A total of {$22000.00} was deposited. He also asked me to purchase gift cards from XXXX and XXXX. I also deposited funds into BITCOIN DEPOT. Approx {$17000.00}. Then he wanted me to withdrawal money from my HELOC account. At that time I shut him down blocked his number and uninstalled the XXXX app. 
By this time I had depleted by funds and kicked myself in the fanny.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: MO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/year>, my checking account made XXXX transactions unauthorized by me to another account. The total amount is {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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