vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Recently, I opened a Bank of America 's ( BOA ) Travel Rewards VISA card for my international trips. However, every transactions outside the US instantly locked the card. For example, a {$6.00} usage at XXXX in XXXX, XXXX triggered the lock. 
Every time I have to spend 15+ minutes of waiting time to reach BOA for unlocking the Visa card.

I was told to log into the BOA mobile application locally before using the card but the tip has been proved useless. 
Hence, the Visa card has been locked many times and totally useable abroad. The whole purpose of this card is for overseas traveling.

I have spent days and hours everyday to reach BoA Fraud department to unlock the card. What a waste of time it is for everyone. Not only BoA can't provide a solution, but at the end they ask me to visit a local financial center with two photo IDs to validate myself. I am afraid they will ask me to fly to BoA 's HQ to validate myself. 
This is outrageous as all my domestic use of the card has no issues whatsoever. If BoA dislikes my foreign usage of the Travel Rewards VISA, why do they advertise falsely? BoA 's fraud detection algorithm is a harassment to the customers. 
I have XXXX XXXX XXXX and it works flawlessly. Please prevent BoA from advertising the Travel Rewards VISA falsely. It's only a XXXX XXXX. 
This is not the first time I notice unfriendly practice of BoA credit cards. When my son obtained a college Visa card the past summer. He couldn't use the card for the first month, we had to call many times in vein. And we visited a branch office at the end to make it work. BoA never puts customers ' interests in top priority.

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 2024-01-13 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # 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 Sec 604 Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions

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 2024-01-13 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # 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 Sec 604 Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently received a copy of my 3 credit Bureaus report and I noticed inaccurate information posted on my consumer report. The following are inaccurate items listed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$460.00}, XXXX XXXX XXXX Balance Owed : {$4000.00}, XXXX XX/XX/year>

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 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my 3 credit Bureaus report and I noticed inaccurate information posted on my consumer report. The following are inaccurate items listed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$460.00}, XXXX XXXX XXXX Balance Owed : {$4000.00}, XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-13 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: AZ

Complaint narrative:
The following inquiries are fraudulent and need to be removed from my consumer report. I did not ask for credit at : XXXX ( XX/XX/2023 ) please remove 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 explanation
Consumer complaint received 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-13 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: AZ

Complaint narrative:
The following inquiries are fraudulent and need to be removed from my consumer report. I did not ask for credit at : XXXX ( XX/XX/2023 ) please remove 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 2024-01-13 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: NV

Complaint narrative:
Friday XX/XX/2024 I entered XXXX XXXX to check email in reference to a credit report and found an email from company containing wrong credentials attached to family name in attempt to contact I of family surname. My initials were modified by the staff to include an unsaid name with communication. Also My credit report was modfied to include an unsaid name attached to family name of my said name where as I was given an said name of the XXXX XXXX XXXX and the company adjusted my tax credential. So the report is of the unsaid euro currency name and not of the dollar currency given name where my credit can not be adjusted. I am writing to update company from family name and said name for corporation to correct information and have opportunity participate in market of said given name of XXXX XXXX XXXX  with internal revenue service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX charge off XXXX sold to XXXX XXXX. 

Date of last payment XXXX Have asked for deletion since it over the 7 year mark : Equifax will not. XXXX will not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX. 2 Private loans jointly signed by my spouse and I. 

XXXX. Made 1 full payment each account. 

No payments thereafter. 

Now, 7 years later, the ( 2 ) loans remain on our reports. Both myself and I. 

Calls to XXXX XXXX XXXX XXXX state that the 7years expired but it is up to the 3 bureaus to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX. 2 Private loans jointly signed by my spouse and I. 

XXXX. Made 1 full payment each account. 

No payments thereafter. 

Now, 7 years later, the ( 2 ) loans remain on our reports. Both myself and I. 

Calls to XXXX XXXX XXXX XXXX state that the 7years expired but it is up to the 3 bureaus to remove.

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 2024-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Recovery Solutions, LLC
State: NY

Complaint narrative:
1. **TCPA Violations ( 47 U.S.C. 227 ) : ** XXXX 's claim of " pass-through consent '' must be substantiated with clear evidence that the consent was indeed granted by myself was specific to the type of communication employed. The assertion that XXXX does not use an XXXX XXXX XXXX XXXX ( XXXX ) or prerecorded messages is noted. However, I request proof of the manual dialing processes and policies that ensure compliance with the TCPA to evaluate the veracity of these claims. 

2. **FDCPA Violations ( 15 U.S.C. 1692c ) : ** The FDCPA allows for communication with third parties solely to acquire location information and only under strict conditions that do not involve disclosing the nature of the debt. While XXXX claims no statutes were violated during their contact with a third party, this interaction must still adhere to the provisions of the FDCPA regarding frequency and content of such communications. I request a copy of the recording mentioned to confirm that no inappropriate disclosures were made. 

3. **GLBA Non-Compliance ( 15 U.S.C. 1681 ) : ** Utilizing multiple numbers may not inherently constitute a violation ; however, it can be indicative of an intent to mislead or confuse the recipient, which is contrary to the spirit of consumer protection laws. I require a detailed explanation of how these practices do not constitute deceptive or misleading conduct. Regarding debt validation, while it is true that a notice is required within five days of initial contact, any communication initiated by XXXX is considered contact, and thus, a notice should have been sent. 

XXXX has placed my account in a " Cease and Desist '' status, this does not absolve the company from past alleged violations or potential statutory damages due to me. I expect a prompt and comprehensive response to the points raised herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 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: NV

Complaint narrative:
I would like to advise I am an XXXX XXXX XXXX XXXX and also part of the XXXX XXXX XXXX I intend on pre-arbitration and suing each entity for failure to remove any items and make the necessary changes. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 602 states I have the right to privacy ( 15 USC 1681 ( section 604 and section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose. 

The following accounts listed need to be corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ________________________________________________________________ The following accounts were opened from identity fraud i demand immediate removal and current and all future blocks. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  The following accounts are fraudulent I have never had any business with this company i have submitted the FTC affidavit here before and you failed to remove these accounts with that being said i am prepared to take legal action if these accounts are not removed 1. The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 

2. 1. Validation of the debt-that is the actual accounting. 
3. 
4. Verification of signed Invoice. 
5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
6. Please provide the original document and wet signature if you can't provide these items Delete them. 

I have attached my FTC report for your review.

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 2024-01-13 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: MI

Complaint narrative:
I DID NOT APPLY FOR CREDIT AT THE PLACES BELOW : Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under Section 1681s-2 ( b ) of the FCRA, when a furnisher receives a consumer dispute forwarded by a consumer reporting agency, the furnisher must conduct an investigation to determine whether the disputed information can be verified. If the evidence available to the furnisher is inconclusivei.e., if the investigation is unable to determine whether the disputed information is accurate or notthen the FCRA does not allow a furnisher to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Even if no reasonable investigation could have conclusively determined that the information was false, the fact remains that the information has not been verified and must be handled accordingly. 
In particular, Section 1681s-2 ( b ) ( 1 ) ( E ) provides that when disputed information is found to be inaccurate or incomplete or can not be verified, the furnisher must, as appropriate, delete, modify, or permanently cease reporting the disputed information. The appropriate response is the one that will ensure that the furnisher does not continue to report any of the XXXX XXXX XXXX XXXX XXXX XXXX, Page17 of 35 14 information that the consumer has disputed unless that information is verifiably accurate. Thus, any information that can not be verified should be deleted from the data that the furnisher submits to consumer reporting agencies. Moreover TransUnion still has NOT PROVIDED PROOF. Please remove the above inaccurate 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 2024-01-13 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: NV

Complaint narrative:
I would like to advise I am an XXXX XXXX XXXX XXXX and also part of the XXXX XXXX XXXX I intend on pre-arbitration and suing each entity for failure to remove any items and make the necessary changes. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 602 states I have the right to privacy ( 15 USC 1681 ( section 604 and section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose. 

The following accounts listed need to be corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ________________________________________________________________ The following accounts were opened from identity fraud i demand immediate removal and current and all future blocks. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX The following accounts are fraudulent I have never had any business with this company i have submitted the FTC affidavit here before and you failed to remove these accounts with that being said i am prepared to take legal action if these accounts are not removed 1. The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt-that is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original document and wet signature if you can't provide these items Delete them.

I have attached my FTC report for your review.

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