vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a serious matter regarding my banking history and the inaccurate reporting made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX & XX/XX/XXXX, I became a victim of fraud, where unauthorized transactions were conducted on my account with [ Bank XXXX XXXX XXXX XXXX XXXX XXXX The matter was promptly reported to your institution, and I provided all the necessary documentation and evidence to support my claim. Following the investigation, it was determined that I was wrongfully accused of the fraudulent activities that took place. However, despite the resolution of the fraudulent incident, I have recently discovered that [ XXXX  XXXX XXXX XXXX XXXX XXXX has reported my name to Early Warning XXXX XXXX XXXX XXXX XXXX difficulties in opening a new bank account elsewhere. This has caused me undue stress, financial inconvenience, and the inability to access essential banking services. I kindly request your immediate attention to rectify this matter and ensure that my name is removed from the XXXX XXXX XXXX XXXX XXXX I believe it is essential for your institution to update the inaccurate information provided and issue a formal notification to XXXX XXXX XXXX XXXX requesting the removal of my name from their records. Moreover, I request that you provide me with written confirmation once the necessary actions have been taken to rectify the situation. Additionally, I expect a reasonable timeframe for the resolution of this matter, considering the impact it has had on my financial well-being. I trust that [ XXXX  XXXX XXXX XXXX XXXX XXXX XXXX take immediate action to rectify this situation, ensuring compliance with the Fair Credit Reporting Act ( FCRA ) and restoring my financial reputation. Failure to address this matter promptly may leave me no choice but to exercise my rights under the FCRA, including seeking legal remedies available to me. Thank you for your prompt attention to this matter. I look forward to your prompt response and a resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX XXXX Consumer Financial Protection Bureau Subject : Unauthorized Withdrawal and Account Compromise Dear Sir/Madam, I hope this letter finds its way to the right person.

I am writing to bring to your attention a concerning incident regarding my Bank of America checking account. On [ date ], I discovered that my account was compromised before I received the debit card, and an unauthorized withdrawal of {$10000.00} was made.

The timeline of events leading to the unauthorized withdrawal is as follows : Before I received my EDD Debit card from Bank of America my account was compromised before I could even get the chance to active or even register the card. 

Upon discovering the unauthorized transaction, I immediately contacted Bank of America customer service to report the issue. They initiated an investigation, and I was informed that I would be reimbursed for the fraudulent withdrawal. However, it has been [ state the duration of time since the incident ], and I have not received a resolution or a refund for the stolen amount. 

I have cooperated fully with Bank of America during their investigation, providing all necessary information and documentation. Despite this, the lack of timely response and resolution has caused significant financial distress and inconvenience. 

I kindly request your intervention to ensure a fair and swift resolution to this matter. I believe the situation requires immediate attention to prevent further loss and safeguard the integrity of the banking system. 

Enclosed with this letter are copies of relevant documents, such as my account statements and any communication with Bank of America, which support my claim. 

I appreciate your prompt attention to this matter and look forward to a resolution. Please feel free to contact me if any further information is required. 

Thank you for your time and assistance. 

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 2023-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have a credit card with a Bank of America Gas reward, but even though I use this card a lot pumping my gas I don't receive adequate amount on my 3 % rewards.

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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
I received a copy of my credit report and am writing to dispute the following information that appears on my transunion report. 

The following inquiries are unauthorized, and I ask that you delete them : XXXX XXXX & XXXX auto sales p ( auto ) I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely,

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 2023-07-16 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: NJ

Complaint narrative:
On XX/XX/2022, I received a text from Bank Of America stating someone was attempting to withdraw {$3500.00} out of my account through XXXX. I denied the transaction. Immediately after I received a call from Bank Of America stating, they would help me resolve the problem and get the {$3500.00} back into my account. They walked me through adding myself as a recepient on XXXX. They had all of my information already, just asked me to confirm. 

The next day I went to the bank to show the texts, calls and emails that were sent during the transaction. Everything said Bank Of America and looked legit to the XXXX, even she was shocked. They told me XXXX is it's own entity and it would be their fraud department 's decision. Even though Bank Of America endorsed them and offers their service to their customers. 

Ultimately, the claim was denied. My attempts at reversing the denial and asking for a second look at my case, went unanswered. I called several times over a months period, left messages and noe ever called me back.

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 2023-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
On XXXX XX/XX/2023, my account was frozen without warning. I called USAA not knowing anything to resolve the matter. I was told that it was frozen and under review. They refuse to tell me anything and have treated me with disdain like Ive committed a crime or some sort. I believe it is because I was trying to send money to fund a trading account. I used my known XXXX, XXXX, email address and passwords/codes using the procedures outlined by them in order to facilitate this transfer. They never sent the money, I was never notified of a problem or was asked anything. I feel XXXX being denied due process of law and now they are causing a financial hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
A lender ( XXXX XXXX XXXX ) withdrew a specific amount {$750.00}. From my personal checking account, after they were already paid in full for the loan. I notified the bank, and they still authorized the transaction causing my account to be over drawn - {$750.00}. They are still charging me monthly maintenance fees as well. This is disheartening.

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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX 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 1681XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX have 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. 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. 
9,102. Im exercise in my right.to opt out of having these accounts reported to my consumer report. The line of credit I have with vour companw, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 
List Name of the accounts with high Utilizations and late payment transactions XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subiect to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( Put the Creditor Name here ) Making the report is NOT INCLUEDED on my Consumer report! 
Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ Put creditor name here that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction and experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my utilization to 5 % or below and or delete all XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
On today, XX/XX/2023. I, XXXX XXXX XXXX checked my consumer/credit report and noticed inaccuracies between each of the following three Consumer Reporting Agencies . Experian, 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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 1.Gaurdian credit union 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. 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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, 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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to bring to your attention a concerning issue regarding the accuracy of my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ). I recently conducted an investigation with XXXX, one of the major credit reporting agencies, regarding the hard inquiries on my credit file. I am pleased to inform you that XXXX diligently carried out the investigation and promptly deleted all the hard inquiries that were found to be inaccurate. Under the FCRA, credit reporting agencies are mandated to ensure the accuracy of the information they report. Section 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA states that agencies must follow reasonable procedures to ensure maximum possible accuracy of the information contained in credit reports. Based on the recent deletion of these hard inquiries by XXXX, it is evident that the information currently present on my Experian report is no longer accurate. As such, Experian is in violation of the FCRA by continuing to report inaccurate information. In accordance with my rights under the FCRA, I kindly request that Experian takes immediate action to rectify this situation by deleting the inaccurate hard inquiries from my credit file. Section 1681i ( a ) ( 1 ) ( A ) of the FCRA grants me the right to dispute inaccurate information directly with the credit reporting agency. I trust that as a responsible credit reporting agency, you will comply with the FCRA laws and promptly address this matter to ensure the accuracy of my credit report. Failure to do so may result in further legal action to protect my rights under the FCRA. Thank you for your attention to this issue, and I look forward to receiving written confirmation from Experian once the necessary corrections have been made.

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