vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I used my XXXX account to wire money to XXXX for a downpayment on a vehicle. The amount was {$9400.00}. The wire instructions were give, I put in all the information as shared the intermediary was Bank of America for further credit to XXXX Account XXXX. The money was pulled out and sent, then it came back to my account minus {$45.00} with no explanation of why it was sent back. 

I tried to contact bank of america by calling their wire dispute online but it is set up only for their customers : https : //www.bankofamerica.com/help/how-to-dispute-a-charge/ I tried to see if this is a common problem and it seems like Bank of America has been doing this to people for years. https : //www.bogleheads.org/forum/viewtopic.php? XXXX I then called Bank of America 's number to speak to someone : XXXX And again unless you have an account number or phone pin ( basically you have to be a customer ), the phone hangs up with no option to speak to anyone. 

So I got this fee taken from my money that I was not aware of nor did I agree to and I can not speak to Bank of America unless I am a customer. This is a blatant way to take advantage of people. I would like help getting my money back. {$45.00} is not a lot today but the principal that they took my money with out any notice, I still do not know why they sent back and now I am short on my down payment b/c I liquidated investments specifically for the down payments. I have also spent hours trying to get resolved. 

Info for the Wire to XXXX, XXXX : XXXX Acct # XXXX Bank of America, NA Acct : XXXX Routing : XXXX Sent : {$9400.00} Got back : {$9400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: TX

Complaint narrative:
On XX/XX/XXXX, I requested proof of the previous investigation of a 30 day late reported on XX/XX/XXXX on account # XXXX XXXX. I requested that the method of investigation, along 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. investigations were completed and none of this was provided. I demand that the 30 days late for the month of XX/XX/XXXX be removed and updated to XXXX. The account is # XXXX XXXX The dispute was made, and the data furnisher failed to comply with the request. It is the data suppliers ' job to report accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: TX

Complaint narrative:
On XX/XX/XXXX, I requested proof of the previous investigation of a 30 day late reported on XX/XX/XXXX on account # XXXX XXXX. I requested that the method of investigation, along 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. investigations were completed and none of this was provided. I demand that the 30 days late for the month of XX/XX/XXXX be removed and updated to XXXX. The account is # XXXX XXXX. The dispute was made, and the data furnisher failed to comply with the request. It is the data suppliers ' job to report accurately

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 2024-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: VA

Complaint narrative:
In XX/XX/year> I became a member of Chime and selected them to do my banking with. I had 3 checks from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX VA XXXX in {$980.00} each totaling {$2900.00} deposited in my account at Chime. When I opened the account I never received a debit card and all they did when I called to inquire about it was tell me it had been mailed to me. I never got the debit card. I tried to close the account and transfer the funds but they told me the account had been closed and that I would have to get another debit card before I could withdraw the funds. They still have my money and I have never received a refund for the total Amount of my checks they have. The account number is XXXX and the routing number is XXXX. I want my money returned to me as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX an account with XXXX XXXX was opened in my name. On XX/XX/XXXX of the same year payment was due that was not given. I never received any notice of this bill since the fraud did not use my actual address or any of my actual personal information other than apparently my name and social security number. I.C. Systems Inc, a debt collection service, sent me a letter to my correct mailing address dated on XX/XX/XXXX of XXXX stating that I owed {$920.00}. The collection was due XX/XX/XXXX of XXXX. I was out of country when the letter came to my address, and I didn't return until the end of XXXX, which was past the due date. I contacted IC Systems, and they said that they had already sent the missed collections payment to my credit report. They said that they had marked the claim as fraudulent, and that I had to talk to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX, and I wanted to verify that this account was truly opened in my name. They were not willing and/or able to verify this since they said that I needed the password to the account to open it. They said that the only way I could do this was to go to an XXXX XXXX XXXX store. I went to the store they told me to go to, but the sale person there said that she is only an authorized retail sales person, and she doesn't have authority to open the account since it is closed and has gone to debt collection. The XXXX XXXX XXXX store sales person and the representatives I spoke to on the phone said that I should file an identity theft claim, which required a police report. The police have been leery of the debt collection letter itself being scam, but they are currently investigating this for me before they give me a police report. I did verify that this debt collection was reported to XXXX and 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 2024-05-30 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Reference my XX/XX/XXXX statement for XXXX XXXX XXXX ( Barclays Bank ) ; I was charged with a Balance Transfer ( XXXX XX/XX/XXXX ) by XXXX XXXX XXXX for {$5000.00} and a Balance Transfer Fee of {$250.00}. On XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, I called XXXX to dispute the charges as FRAUDULENT. Finally, the Fraudulent Security Team ( XXXX ) to me that they would have the account corrected and issue me a new card. I did receive a new card in the mail and a new statement with $ XXXX balance. On XXXX XX/XX/XXXX, I received a letter from Barclays stating that my account was closed due to suspicious activity and that I would not held responsible for any activity confirmed fraudulent. With my new card, I received a statement balance of {$4900.00} dated XXXX XX/XX/XXXX and a Balance Transfer fee of {$190.00} for new charge on XXXX XXXX XXXX. I forwarded a dispute letter by Certified Mail on XXXX 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 explanation
Consumer complaint received 2024-05-30 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: 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. 

Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2024-05-30 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: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: VA

Complaint narrative:
Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: FL

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. this is hurting my ability to get credit. it is my understanding that you will investigate these items for me to make sure that everything is accurate. 

here is the item i am asking you to verify as accurate : XXXX XXXX Account number 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 2024-05-30 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: FL

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. this is hurting my ability to get credit. it is my understanding that you will investigate these items for me to make sure that everything is accurate. 

here is the item i am asking you to verify as accurate : XXXX XXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: NV

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 XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : UNKNOWN : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-05-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WSFS FINANCIAL CORPORATION
State: NJ

Complaint narrative:
We purchased our lease from XXXX with a loan from WSFS bank on XX/XX/XXXX. We paid about XXXX in cash and financed XXXX with WSFS bank. Since this time the bank has failed to provide us with proper title, tags, and registration. We were told XX/XX/XXXX to register the vehicle using our old XXXX registration. The bank said that was acceptable. The bank said they never received the title. XXXX stated they sent it. In XXXX we followed up with emails and calls. They stated they were working on it and they would contact us when it was settled. We contacted them XX/XX/XXXX after not getting any information and told there was nothing done on the case. We were then told to contact XXXX for " sticker '' that should have been sent to us. We called XXXX and they nknew nothing about stickers and the bank never contacted them.nMay XXXX we were sent an email sending us to XXXX with copies of POA from XXXX. This is not acceptable per XXXX. We called XXXX again and they stated the bank has to request a duplicate which was never done. The bank has done nothing to rectify this issue. We are paying them for a service and they claim they can't do anything. They are the lien holder of the vehicle.

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 2024-05-30 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: 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 Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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 explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I communicated with XXXX XXXX XXXX to arrange the pickup of the vehicle, as I observed a violation of the Truth in Lending Act by the dealership based on the agreement. After the vehicle was sold, I received a call from a representative who informed me that if I paid a balance of {$640.00}, the account would be reported on my credit as satisfactory without any delinquent remarks. I disputed this claim, but she assured me it would be the case. However, she subsequently sent a fax stating otherwise. This conversation, which took place on XX/XX/year>, is recorded, and XXXX has the recordings. Despite this, my credit report still shows a charge-off with open balances. I request that this account be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: DSR HOLDINGS GROUP, LLC
State: UT

Complaint narrative:
This claim for for my XXXX XXXX. My XXXX XXXX XXXX XXXX XXXX XXXXr have all come and reported to me on multiple occasions about these spam calls they keep getting from me. What we are confused about the most is that due to my XXXX profession no one should have his contact information anyway. Also each voicemail left by the spam caller says theyve been trying for months to reach me but I have not gotten any calls, texts, or emails from any of the companies that are supposedly calling my XXXX. My XXXX has just been blocking every number that calls them but they continue to make new ones and bug them. Ive never even heard of the companies that have been used during the calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: GA

Complaint narrative:
THIS IS A NOTICE OF DISPUTE. RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THIS ACCOUNT TO ENSURE ACCURACY. 

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 non-monetary relief
Consumer complaint received 2024-05-30 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:
THIS IS A NOTICE OF DISPUTE. RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THIS ACCOUNT TO ENSURE ACCURACY. 

XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief