vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kinum, Inc., Indianapolis, IN Branch
State: CA

Complaint narrative:
They keeping calling me. I wanted to try debt relief but decided not to and now my debt has been transferred over to a new collector that keeps calling me. I didnt approve this and it was never on my credit report until these actions. I am very upset of the repeated daily calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: SC

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 2 out of 3 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. Please see attached file for these items I am complaining.

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 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.

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 2024-06-14 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 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 2 out of 3 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. Please see attached file for these items I am complaining.

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 2024-06-14 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: SC

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 2 out of 3 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. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
We reported to Bank of America ( BofA ) that transactions made from our account were not done by us. They said that they were done by our Granddaughter ( XXXX XXXX XXXX ). We tried to explain to them that she did not. Her purse and phone were in her car that was stolen. 

The reason we did not report all the thefts immediately ; was due to my health issues and we were not paying as close attention as we usually did. They told us they could only go back on statement cycle. We have since found out they could have gone back one year. We have since sent in paperwork including XXXX police reports ( our theft/stolen identity and XXXXXXXX XXXX XXXXXXXX car/identity ). They have deliberately been obtuse about this and pick and choose which transactions they will look at. 

We have XXXX ( our worker is XXXX XXXX ext XXXX ) coverage ; and have since gotten them involved. She has sent all the transactions and police reports twice for which she has receipts for the documents received by B Of A including the police reports. Their position remains ; that they feel my wife made the request to " XXXX '' and XXXX received the money. We have repeatedly told them she did not and explained the theft of her car/identity. The police in XXXX, Wa feel that it was our granddaughter, in spite of the theft report. The prosecutor here will not prosecute for lack of evidence. 

The other part of why we didn't notice sooner ; is we have overdraft protection ; and until our {$20000.00} XXXX XXXX was reached ; we did not know there was a problem.

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 2024-06-14 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: TX

Complaint narrative:
I am challenging these accounts for being inaccurately reported on my credit file and requesting an investigation. According to the Fair Credit Report Act, I should receive {$1000.00} for each erroneous report. I know FCRA 605B requires us to report any inaccuracies in consumer reports.

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 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2024-06-14 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: 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. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX 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 agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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 file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-06-14 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: CA

Complaint narrative:
My phone which was on payment plan with XXXX XXXX XXXX was damaged. I had been paying for a protection plan for the phone and submit a claim with their insurer. The insurer delivered a new phone and a pre-posted return box. I returned the broken phone. I then cancelled my service with XXXX XXXX XXXX in good standing, paid off the remaining balance on the new phone and ported out my number to XXXX XXXX. Three months later, XXXX XXXX XXXX charged my credit card a " non-return fee '' according to their insurance policy. I checked the USPS tracking number and verified that the phone was returned, delivered, and signed for by their returns department. I contacted XXXX XXXX XXXX about this, but they informed me that since I ported out my number they could not locate my account. I disputed the charge with XXXX XXXX, provided all the documentation including showing that my account was paid in full and that the broken phone was returned. XXXX XXXX XXXX rejected the dispute, so I reopened the dispute with XXXX XXXX. XXXXXXXX XXXX  XXXX failed to provide proof that the charge was valid, so the charge back and credit to my account stayed. XXXX XXXX XXXX then hired a series of collections companies to attempt to make me pay for the fraudulent charge. XXXX XXXX XXXX put a derogatory collections account on my Experian and XXXX credit reports. I started a dispute with Experian and provided them with all the evidence proving that the charge was fraudulent and invalod. The outcome of the dispute with Experian was that XXXX XXXX XXXX maintains that the account is past due. They did not offer any contrary evidence supporting the validity of the charge and did not perform an adequate job of investigating and correctly reporting my accounts. This negatively impacts my credit score and obtain credit and financing on favorable terms. The impact to my credit report was going from a score of approximately XXXX down to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Someone indicated they wanted to purchase a motorcycle we had posted for sale online at XXXX XXXX. The communication with the buyer was done online and per text and phone. He sent us a check via XXXX. We deposited the {$12000.00} check at Bank of America on XX/XX/year>. The bank credited the account the next day of XX/XX/year>. The potential buyer then said they changed their mind and requested the money back on XX/XX/year>, prior to receiving the motorcycle. They said to deduct 10 % due to the inconvenience. Since their check had cleared, we proceeded to send them the money on XX/XX/year>, per a wire transfer and XXXX XXXX  payments from our accounts that we had transferred the money we received to. Then on XX/XX/year> after close of business, Bank of America removed the full {$12000.00} from the account that it was deposited into. They called it a return item chargeback. Our account was left with a significant negative balance. We called the Bank of America on XX/XX/year> and they said that the check was written on a closed account from the XXXX XXXX XXXX XXXX. We immediately contacted the person from XXXX XXXX who purchased the motorcycle and requested our money back. They did not respond. We requested the XXXX  payments be returned from the person we sent XXXX to. We submitted fraud/scam claims to Bank of America and requested their assistance to obtain our money back. The wire transfer was to a BofA account so we felt strongly that they should t least be able to help with that. BofA has now sent us letters indicating that they were unable to retrieve any of our money. So we need some more help. Additionally we contacted the company whose name was on the bad check we received. They indicated that someone the previous week had also used a bad check from their company name to try and purchase something. The company name that was used on the check is XXXX XXXX XXXX XXXX. XXXX XXXX submitted the information to their bank ( XXXXXXXX XXXX XXXX XXXX ) but have not provided us any additional information. XXXX XXXX stated that they didn't have any employees who could have legally issued us that check. We have some names and some phone numbers and account names, copy of the check etc that can be shared with you. The actual money we are out is the check minus the 10 % so it is {$11000.00} plus the {$30.00} wire fee. Thanks for any help you can offer us in obtaining our money back. Please let me know what additional information you need.

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 2024-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Double charged by XXXX XXXX on my Amex card {$130.00} dated XX/XX/year> for flight res XXXX XXXX in where I paid for the bags in advance and then they double charged me again for the bags. This double charge needs to be refunded in full {$130.00} and XXXX XXXX has committed a fraud by untruthfully responding to American Express who has refused to protect my consumer rights. This violation is potentially criminal in nature and against consumer protection laws. 

If I do not receive the full {$130.00} refunded I will continue to pursue complaints with other agencies such as the XXXX, XXXX  Attorney General, and XXXX in addition to local courts. 

I have witnesses that support my claims, even thought I should not need them because XXXX XXXX can see from their baggage manifest that I paid for the bags included with my tickets and they charged me for XXXX extra bags I did not have and then the manifest shows only XXXX bags were loaded, therefore I was charged for XXXX bags with my tickets and then charged for another XXXX bags equaling XXXX bags even though only XXXX bags were loaded into the aircraft. Clearly this is is a double charge and I am entitled to a full refund of the {$130.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-14 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-06-14 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 a Fair Credit Reporting Act the list of accounts below has violated my federally protect the consumer rights to privacy and confidentiality under 15 USC 1681 XXXX ) XXXX XXXX : # XXXX, XXXX ) XXXX XXXX : # XXXX XXXX ) XXXX XXXX XXXX # XXXXXX***********, Has violated my rights. 15 USC 1681 section 602a States I have rights to privacy. 15 USC 1681 section 604 ( a ) Section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years. 15 USC 1681 s-2 ( a ) ( 1 ) a person should 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. 15 USC 6802, i never receive the required opt-out notice at the time the account that is being reported ( they never give me the opt-out notice ) .i have a right to opt-out from any reporting of non-public info.

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 2024-06-14 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 a Fair Credit Reporting Act the list of accounts below has violated my federally protect the consumer rights to privacy and confidentiality under 15 USC 1681 XXXX ) XXXX XXXX : # XXXX, XXXX ) XXXX XXXX : # XXXX XXXX ) XXXX XXXX XXXX # XXXXXX***********, Has violated my rights. 15 USC 1681 section 602a States I have rights to privacy. 15 USC 1681 section 604 ( a ) Section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years. 15 USC 1681 s-2 ( a ) ( 1 ) a person should 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. 15 USC 6802, i never receive the required opt-out notice at the time the account that is being reported ( they never give me the opt-out notice ) .i have a right to opt-out from any reporting of non-public info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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:
Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.

Company response to consumer: Closed with explanation