vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-29 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: 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.

has violated my rights. Or 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 2023-08-29 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.

has violated my rights. Or 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 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 2023-08-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Skrill USA, Inc.
State: NV

Complaint narrative:
I will processing with this company called " Paysafe '' they approved me on {$25000.00} when I made my first payment my account instantly went into review. They told the reason why is because your bank account can not be located which is a lie. I get deposits there all the time. This took about 3 days, so my advertisements are off I'm not making no money and they took every $ that my customer sent them. They came up with another excuse they wanted me to change my XXXX to my name and it took paperwork signing no problem once that is done everything is completed, 1 day later my account is canceled due to " bank statements not supportive, delayed delivery timeframe due to products come from XXXX, decline ratio, and forced sales ) '' That is lies my stock is here in america, My statements are 100 % from my bank with my name and all needed information. The decline is due to a AVS system in authorize.net that is not my fault and forced sales? what is that?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Missing information unavailable to fully verify the debt

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 2023-08-29 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: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AN ALLEGED DEBT RECENTLY. PLEASE BE ADVISED THAT I HEREBY DISPUTE THE VALIDITY OF THE ABOVE-LISTED ALLEGED DEBTS IN ITS ENTIRETY. I REQUESTED VERIFICATIONS/VALIDATION OF THE ALLEGED DEBT AND SPECIFICALLY REQUESTED A COPY OF THE ORIGINAL CONTRACT OR AGREEMENT SIGNED BY THE ALLEGED ORIFINAL CREDITOR AND ALL PARTIES TO ANY SUCH CONTRACT PROVIDED. NOTE: A BILLING STATEMENT, NOTICE OR ANY UNSIGNED DOCUMENTS IS NOT VERIFICATION OF THE ALLEGED DEBT. YET YOU SEND A BILL STATEMENT WITH NO CONTRACT OR SIGNITURE PROVING THAT THIS ALLEGED DEBT IS MINE AND LIED ABOUT PROPERLY VERIFYING THESE ACCOUNTS. MAIL WAS RETURED FROM ADDRESS BECAUSE THAT IS NOT MY ADDRESS.

YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TOCOLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTIONS ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES (CRAS). PROVIDING ME THE SPECIFIC VERIFICATION DOCUMENTS ABOVE SHALL BE DEEMED COLLECTIONS ACTIVITY. FURTHER, I REQUEST THAT YOU PROMPTLY DELETE ANY AND ALL PRIOR CONSUMER REPORTING MADE TO ANY CRAS.IF YOU COMPLY WITH MY CEASE COLLECTION & DELETEION REQUESST, THEN YOU ARE EXCUSED FROM VERIFICATION. IF YOU OPT OUT TO PROVIDE VERIFICATION, ALSO PROVIDE PROOF OF THE CHAIN OF TITLE OF OWNERSHIP OF THE DEBT. IF THE ALLEGED DEBT WAS ACQUIRED BY A DEBT BUYER, THEN PROOF OF CHAIN OF TITLE OF THE ALLEGED DEBT MUST BE FROM THE ALLEGED ORIGINAL CREDITO TO THE CURRENT ALLEGED OWNER WITHOUT ANY BREAK IN CHAIN.
NOW, I KNOW THESE ACCOUNTS IS IN VIOLATION OF MY RIGHTS AND I KNOW YOU THINK YOU'RE GETTING OVER BY PLACING DEBTS YOU RANDOMLY GOT FROM YOUR DEBT BUYER ON MY CREDIT REPORT AS A WAY TO TRY AND HURT ME, BUT THIS WONT FLY WITH ME.
YOU HAVE 15 DAYS FROM THE DATE OF THIS LETTER TO SEND EVIDENCE THAT THIS ACCOUNT IS MINE. I WILL NOT ACCEPT ANOTHER BILL ONLY THE ORIGINAL CONTRACT WITH MY SIGNITURE!
I TRUST THAT YOU WILL DO YOUR DUE DILIGENCE AND UPHOLD THE 105 REGULATIONS SET OUT FOR YOU IN THE FDCPA AND FCRA AND YOU WILL BE DELETING THIS ACCOUNT, BUT I ALSO DO WANT YOU TO KNOW THAT I KNOW MY RIGHTS!
THIS LETTER IS EEVIDENCE THAT MAY BE PROVIDED TO THE CONSUMER FINANCIAL PROTECTION BUREAU (CFPB). THE CFPB IS AUTHORIZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I WILL TURN THE MATTER OVER TO A CONSUMER ATTORNEY.
SINCERELY 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: CA

Complaint narrative:
The issue is causing me significant distress and anxiety, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2023-08-29 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: OH

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT

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 2023-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XXXX, XX/XX/24, I received a notification on my phone, from Bank of America, regarding a fraudulent charge to my account. The charge was for {$50.00}. I responded via text that NO, I did not authorize the charge. Right after that, I received MULTIPLE phone calls from the Bank of America phone number XXXX. I was already panicked about the fraudulent charge, at my elementary school where I work, WORKING ... .and with the amount of times that my phone rang DIRECTLY FROM A BANK OF AMERICA LINE... I finally picked up. 

The gentleman on the other end of the phone impersonated a bank employee, listed off a fake employee number, and told me that there was a large XXXX transaction that had been made, fraudulently, and that I needed to put in these codes to " retrieve my money ''. That was a lie. I was already stressed with work, getting my son to school, a fraudulent charge, and so I wanted to remedy the fraudulent XXXX charge as quickly as possible. My mistake, I didn't think that someone could tap into a SECURE LINE with Bank of America to commit fraud. {$2400.00} was stolen from me by someone impersonating a BOA fraud representative from the very same number that is the ACTUAL fraud number for BOA. 

I submitted all information to Bank of America and just received a letter that stated that my fraud claim is being denied. 

Bank of America is not holding itself responsible for someone hacking into their secure line and taking advantage of their customers. The language that they use to warn against fraud is limited. They don't care that someone is literally using their phone number to conduct business. Millions of customers trust BOA with their money, their credit, their savings, and their lives. How can we trust a bank that won't take responsibility for their security shortcomings? They KNOW that this is happening and they are doing nothing. I have been a BOA customer for upwards of XXXX years and I am appalled at their lack of concern.

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 2023-08-29 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: IL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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.

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 informationisinaccurate

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 2023-08-29 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:
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 informationisinaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: VA

Complaint narrative:
Called XXXX XXXX XXXX XXXX XXXX on XX/XX/23 and spoke with XXXX to inquire on account details to include : location of service, date of service and request an itemized bill. I gave her the exact amount showing on credit report {$1100.00}. They were not able to locate a bill with the specific amount that I allegedly owe. 
I would ask that the alleged debt be removed from my credit report immediately as it has prohibited me from getting a credit card. The reason for denial was a collections account on report and that is the only collections account on currently showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history. Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my payments.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-08-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
My name is XXXX XXXX, I open an American express high yield savings account because they have good interest rate so I transfered my funds from XXXX XXXX XXXX  to them. Then I was doing backyard remodel and wanted to pay landacaping company in cash as they gave me good discount to pay in cash. So I tried to withdrew money from American express but they had a max of XXXX daily and I needed XXXX so I initiated a transfer from American express to XXXXXXXX XXXX XXXX as XXXX XXXX XXXX have no daily limit, and I got surprised that American express froze my savings account and then when I called to ask why they told me that my account got closed, and that the " back office '' is handling my account now for security and fraud and that all my funds got frozen in savings account. Then I asked to speak to supervisor then they transfered me to someone who didn't want to give me any info on why my account got closed, I asked ok close the account but what about my funds? He said have XXXX XXXX XXXX recall it, I said but the money at Amex, he said XXXX  can recall it. So I called XXXX and they said they can't recall it and that Amex should transfer money to them. I called Amex again and every time they make me feel I'm doing illegal activity with their tone of voice, for what reason? What did I do? I just withdrew money from my account for home remodel project. Whats fraud in that? I can't access my funds in savings and no one able to help me. Please help me get access to my savings account. I just need my money, they can transfer to my checking account or send me a check or send it to XXXX, or anyone from their side can call me to explain why they froze the account for what reason : ( ( ( ( ( (

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: 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.

has violated my rights. Or 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 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/XXXX I logged into my online checking account to pay some bills. I noticed that there were two transactions that I had not been aware of -- a transfer of {$5000.00} on XX/XX/XXXX and another {$5000.00} transfer on XX/XX/XXXX. It was about XXXX and the bank branch was closed so I immediately called online banking to report the transactions as fraudulent and that I had not requested them. I am always very cautious with my credentials and have never had anything like this happen before. I have called the U.S. Bank Fraud center Ph. XXXX numerous times waiting on the phone line for extended periods of time prior to being connected with a representative. I also went into the Branch at XXXX XXXX XXXX, XXXX XXXX, IL to expedite resolution and open a new checking account since the original on had been closed. On XX/XX/XXXX I received the two attached letters stating that the transitions were posted as requested and that my claim was denied. I called the Fraud center and they said that the claim filed on 8/4 used the wrong from and they refiled both claims on XX/XX/XXXX. The XXXX claim was filed by telephone and I had nothing to do with choosing the form nor did I see the claim. I called the fraud center again today as I do about every day and was told that the claims refiled on XX/XX/XXXX were both denied but I have received nothing from the bank. Additionally, when I was speaking with people about the issue the week of XXXX, I learned my email address for account alerts was XXXX not Comcast.net and because of this I had not received and alerts of account activity. I did not request this change. If the bank had acted on this issued immediately after reported the incident it on XXXX it seems to me that it should have been simple to recover the funds.

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 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been struggling for six months with the chase slate credit card. The staff or employees regarding the chase slate credit card denied multiple attempts to pay the credit card and falsified my information regarding my bank account method used to pay the bill. I have been trying to escape the billing cycle for over six moths with many unreasonable late fees and late fee adjustments that I don't deserve.

Company response to consumer: Closed with non-monetary relief