vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Hi my name is XXXX XXXX I recently filed a dispute with my Bank of America account ending in XXXX on XX/XX/2024 for 2 unauthorized transactions from XXXX XXXX. The first transaction was for {$5000.00} on XX/XX/2024 and the other was for {$4800.00} on XX/XX/2024. My information was stolen and I filed a dispute with Bank of America. I was given a provisional credit on XX/XX/2024 and Bank of America said that the dispute was in my favor and I won the dispute. I am contacting CFPB today to get more answers because my account was debited {$9800.00} again from the same merchant on XX/XX/2024 and now my Bank account is on hold. I want to know when will I get my money back. Please help.

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 2024-03-06 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: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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:
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 XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX  XXXX # 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction 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 2024-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Back in XXXX of 2023 I received a call from someone claiming to be with Wells Fargo Bank wanting to know if I was traveling abroad because I had some unusual charges on my account that were out of my state. They sent me a text message with a XXXX digit number that they wanted me to read back to them for verification of who I was. Later that day I received an email from Wells Fargo stating that I had signed up for online wire transfers ( I did not ). Also received an email stating that an online wire transfer had been initiated out of my account. I immediately called Wells Fargo and spoke with an associate, I informed her that I did not sign for such service nor did I initiate a wire transfer. She informed that my money would be back in my account in XXXX to XXXX hours. To this date I have not received my money back. I have reported this to my local Sherriff Dept. and a warrant has been issued. I will attach screen shots of emails from Wells Fargo. I did not authorize any wire transfer, someone had hacked my account and even my phone. I took my phone in and had it looked at because I wasn't receiving any calls, all calls were being forwarded to an unknown number. XXXX XXXX stated that that it was hacked and they had to reset phone and change my account number.

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 2024-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have Fraudulent inquiries on my credit profile that I did not authorize

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 2024-03-06 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: TX

Complaint narrative:
I am writing to request the removal of an unauthorized hard inquiry 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 non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX contacted me in XX/XX/XXXX that I had an outstanding debt with them. I filed a XXXX dispute report and XXXX cleared off my credit report as a debt that was indeed not mine. 

I also called XXXX XXXX XXXX and spoke with them, XXXX XXXX XXXX does NOT have record of me having a direct account with them at any address or phone number I've EVER had my entire life, or any outstanding bills with them. 

And then XXXX obviously sold this bad fraudulent debt to another company, Radius Global Solutions, who now recently has been calling me constantly again, asking for my personal info like my SSN which I refused to give them as it didn't feel legit. 

The only XXXX XXXX XXXX " account '' I ever had was at a large apartment building I lived at - where the XXXX XXXX XXXX bill was paid by the apartment building leasing company. The apartment building paid the entire apartment buildings XXXX & XXXX bill each month, and the leasing office then just billed a flat rate to tenants every month to cover those cable & internet expenses. I've NEVER had a personal account with XXXX XXXX XXXX. 

Radius notified me that service started on XX/XX/XXXX and service was considered delinquent only a few weeks later on XX/XX/XXXX! And the amount was {$7300.00} during that time... completely suspicious! 

This is very clearly a scam/they bought bad debt with incorrect info. I've researched Radius on XXXX and do NOT feel comfortable giving them my personal information.

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 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Saturday, XX/XX/XXXX, I deposited a personal injury settlement check in-person at a Chase Bank branch . I was told that the check processing would begin on the next business day, XX/XX/XXXX, and I was given a number to call to ask to have my check hold released. I called the number on XX/XX/XXXX and was told that it was too early to have the check hold released, and was told to call back the next morning if I did not yet have access to my funds. On the morning of XX/XX/XXXX, I did not yet have my funds, so I called the phone number once again to inquire about having my check hold released. I was told that the issuing bank ( XXXX XXXX ) had put an alert on the check, causing the hold to remain until XX/XX/XXXX, and that Chase could not override the alert. However, the representative advised me to contact my attorney 's firm to see if someone there could contact XXXX XXXX  directly to have the alert removed. I did just that, and XXXX XXXX  released the funds to Chase that same morning. Once my attorney told me that the funds were released, I called Chase back to ask again about having the check hold removed. After being told the hold could be removed by XXXX representative on XX/XX/XXXX, and again by another representative on XX/XX/XXXX, this time I was told the hold would remain until XX/XX/XXXX. I asked if the hold was going to remain even once Chase received the funds, and the Chase representative said yes. This made no sense to me as the check was a cashier 's check and the funds were coming from a client trust account. I also asked for more information regarding how Chase verifies check funds that are sent to them, and the representative said she could not tell me that information. Lastly, I asked if part of the funds could be released while I waited for the hold to be removed, and my request was denied. Overall, it's been a very frustrating few days as I was told by XXXX Chase representatives that the hold could be released once the funds were verified and received, but then I was later told that the hold was not going to be released. Now I have to wait until XX/XX/XXXX to receive my long awaited settlement funds, even though Chase has already received the funds on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NJ

Complaint narrative:
I received a letter in the mail in XXXX of 2023 that stated that my loans were forgiven and that I had over paid by XXXX payments. I called Mohela to confirm this and was told that my loans were forgiven and that I would be getting a check for the overpayment. I then heard nothing and have not received a check. I called multiple times. I have been hung up on XXXX. The XXXX  time in XXXX I spoke with someone who told me that they didn't give refunds anymore. I told her this is from last year and she said that I should receive a check. I don't believe any of it and would just like my money refunded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
I have several hard inquiries on my credit report that I'd like to categorize as fraud and completely inaccurate. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 I am within my right to report this information on my credit report as inaccurate and would like said inquiries removed. 

Companies Listed : - 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have several hard inquiries on my credit report that I'd like to categorize as fraud and completely inaccurate. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 I am within my right to report this information on my credit report as inaccurate and would like said inquiries removed. 

Companies Listed : - 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: CA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. lam attaching proof that Equifax has admitted that'l was in fact a victim of this data breach and Equitax has done nothing.Please help me delete these illegal accounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting an account as in collections. This account was paid in full to the creditor. The status from the creditor states paid, closed, never late. XXXX XXXXXXXX acct # XXXX has been paid and should not be reporting as a collection on 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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have been trying to get the Experian account shut down since XXXX of last year. I was guaranteed that the email address on file and phone number was removed. Both of them being my XXXX XXXX email, because he is the one using my social. I have called already XXXX times this morning with no success of changing any information. I was tossed around to several different employees and eventually hung up on after verifying my stolen identity information. I am not able to verify anything they have on file since my XXXX  is the XXXX most likely to have changed everything. I have concerns about providing an updated address, because he is my XXXX  and I don't want him knowing where I live. I expressed this multiple times to anyone that would listen with a response of " let me send you to someone else '' only to get hung up on! How the XXXX does it make any sense to provide updated information that my XXXX  with have access to either way?! What the XXXX are the bureau 's doing to protect XXXX XXXX XXXX so that there XXXX  doesn't find them by providing an address? Nothing has been resolved with Experian. 

I had a credit report ran on me middle of XXXX by a hospital I visited which also put me on the radar for him knowing where I am! 

XXXX are you guys doing to protect 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 2024-03-06 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-03-06 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: KY

Complaint narrative:
After I tried several times to dispute the XXXX and XXXX account you keep telling me that they are correct. They are not correct. I only use VA hospitals as Im XXXXpct Va XXXX. Ive never been in an ambulance. If XXXX is telling you differently, they are deliberately lying to you. I cant show you papers or contracts from a hospital and ambulance Ive never used. Here is my VA info for whom I only use.

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 2024-03-06 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: KY

Complaint narrative:
After I tried several times to dispute the XXXX and XXXX account you keep telling me that they are correct. They are not correct. I only use VA hospitals as Im XXXXpct Va XXXX. Ive never been in an ambulance. If XXXX is telling you differently, they are deliberately lying to you. I cant show you papers or contracts from a hospital and ambulance Ive never used. Here is my VA info for whom I only use.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-03-06 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:
I am writing to request the removal of an unauthorized hard inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am the Beneficiary and Surety with equitable interest in the XXXX XXXX XXXX XXXX consumer report that is being illegally and unlawfully furnished by XXXX, TRANSUNION and XXXX ( CRAs. Thirty days ago, we contacted the CRAs requesting a copy of the written instructions authorizing them to furnish this consumer report as we as a copy of the full credit file disclosing sources from which this information was procured. The CRAs failed to provide us with this information and continue to report private information without the express written authorization of the Surety. The actions and/or inactions of the CRAs have caused serious harm and this is our NOTICE OF INTENT TO SUE to seek equitable remedy for our injury.

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