vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing to seek your assistance regarding an urgent matter involving my Bank of America Business Checking Account. On XX/XX/XXXX, I deposited a check for {$100000.00} from my mother, which was drawn from her XXXX account. Unfortunately, Bank of America flagged this check as counterfeit and subsequently froze the funds. 

As a result, the money has been inaccessible to my business, causing significant financial losses. I have contacted Bank of Americas helpline multiple times, but they have not provided any effective solutions. Their representatives informed me that they can not proceed until the check 's maker verifies the funds. 

To resolve this, my mother traveled from XXXX on XX/XX/XXXX, and we visited several Bank of America branches to verify the funds in person. Despite our efforts, the staff were unhelpful and suggested that my mother recall the funds under fraud from XXXX, despite the fact that there is no indication of fraud. 

This situation has become increasingly distressing, as my business relies heavily on these funds. I would appreciate your guidance and intervention in this matter to help expedite the resolution and restore access to my 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 monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
During XX/XX/year> There was a XXXX XXXX with my Debit Card of XXXX $ that was no authorized by me. I had lost my card I told them that but for some reason they still denied my claim. and under my claim they put I don't remember the transaction when I told them on the call it was fraud. the bank is wells fargo

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 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian, XXXX XXXX XXXX Delete this account for violation and inaccuracy because the date opened is XX/XX/year> for XXXX, date opened XX/XX/year> for Experian, and date opened XX/XX/year> for XXXX. 



XXXX XXXX  XXXX - Delete this account for violation and inaccuracy because the date opened is XX/XX/year> for XXXX, date opened XX/XX/year> for Experian, and date opened XX/XX/year> for XXXX. 



XXXX XXXX XXXXXXXX - Delete this account for violation and inaccuracy because the date opened is XX/XX/year> for XXXX, date opened XX/XX/year> for Experian, and date opened XX/XX/year> for XXXX. 



XXXXXXXX XXXX XXXX XXXXXXXX - Delete this account for violation and inaccuracy because the date opened is XX/XX/year> for XXXX, date opened XX/XX/year> for Experian, and date opened XX/XX/year> for XXXX. 



XXXX XXXX XXXX XXXX XXXX Delete this account for violation and inaccuracy because the date opened is XX/XX/year> for XXXX XXXX date opened XX/XX/year> for Experian, and no date opened reported for XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: Kikoff Inc.
State: FL

Complaint narrative:
So I paid for a credit repair company and paid this guy money to improve my credit and as of now XXXX  I have a delinquent or missed payment for a card I never even received or signed up for. I understand it still represents me but I would like this off my report.I was able to remove it from XXXX and XXXX and I just dont understand the delay for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: NY

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX To Whom It May Concern : TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a federal trade commission report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Sincerely, XXXX XXXX Attachments : -Copy of Government Issued ID -Copy of SSN Card -Copy of Paystub ( Proof of Address ) -Copy of FTC Identity Theft 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 2024-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I am writing to dispute a fraudulent account that is being reported by Midland Credit Management for XXXX XXXX  on my credit report. I have no knowledge of this account, and I did not open or authorize it. I believe this account is the result of identity theft. I request that Midland Credit Management and XXXX XXXX  cease reporting this account and remove it from my credit report as soon as possible. 

There are multiple accounts for XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX There are two accounts listed on my credit for Midland Credit Management XXXX and XXXX I am currently taking steps to protect myself by completing the identity theft report and a police report. Please provide confirmation that this account will be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington , DC XXXX Subject : Complaint Against TransUnion for Violating FCRA Dear CFPB, I am writing to formally file a complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ). My complaint is based on their failure to report accurate information in my consumer report. 

On XX/XX/year>, I mailed my dispute to TransUnion regarding inaccurate reporting of my car loan with XXXX XXXX XXXX ( XXXX  ). As of today, XX/XX/year>, it has been over 30 days, and I have yet to receive a satisfactory resolution. This inaccurate information has been present in my consumer report for over a year. 

I have maintained communication with XXXX  about the status of this account and possess all supporting documentation to substantiate my claims. Additionally, I have a transcript of my conversation with XXXX  confirming that my account was never reported as a charge-off. 

I would like to draw your attention to the following provisions of the FCRA that support my request : - **15 U.S. Code 1681s-2 ( A ) ( 1 ) ( A ) ** states that 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. 
- **15 U.S. Code 1681e** mandates that Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

It is my belief that TransUnion and other credit bureaus are not maintaining reasonable procedures as required by law. 

I kindly request your assistance in ensuring that this inaccurate account is removed from my consumer report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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 explanation
Consumer complaint received 2024-10-19 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-10-19 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: AL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-10-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: IL

Complaint narrative:
Greetings Im the owner of XXXX XXXXXXXX XXXX. 
Ive been a square account holder for almost 4 years, With only 2 disputes from customers.XXXX XX/XX/year> My account was deactivate by square due to potential fraud they said. They asked me for proof of all document and i sent them in, they never granted to keep my account open or release my funds until a 90 day period which leads up to XX/XX/year>. I ask what was the reason for account closer and the rep that emailed me stated that they dont have to explain in further detail it looks fraudulent. Still no dispute or attempt to dispute with that payment method that raised a red flag.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
I am writing to dispute a fraudulent account that is being reported by Eastern Account Syst for XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX on my credit report. I have no knowledge of this account, and I did not open or authorize it. I believe this account is the result of identity theft. I request that XXXXXXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX cease reporting this account and remove it from my credit report as soon as possible. 

I am currently taking steps to protect myself by completing the identity theft report and a police report. Please provide confirmation that this account will be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX  Acct Number XXXX Bal. {$2100.00}

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 2024-10-19 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington , DC XXXX Subject : Complaint Against TransUnion for Violating FCRA Dear CFPB, I am writing to formally file a complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ). My complaint is based on their failure to report accurate information in my consumer report. 

On XX/XX/year>, I mailed my dispute to TransUnion regarding inaccurate reporting of my car loan with XXXX XXXX XXXX ( XXXX  ). As of today, XX/XX/year>, it has been over 30 days, and I have yet to receive a satisfactory resolution. This inaccurate information has been present in my consumer report for over a year. 

I have maintained communication with XXXX  about the status of this account and possess all supporting documentation to substantiate my claims. Additionally, I have a transcript of my conversation with XXXX  confirming that my account was never reported as a charge-off. 

I would like to draw your attention to the following provisions of the FCRA that support my request : - **15 U.S. Code 1681s-2 ( A ) ( 1 ) ( A ) ** states that 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. 
- **15 U.S. Code 1681e** mandates that Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

It is my belief that TransUnion and other credit bureaus are not maintaining reasonable procedures as required by law. 

I kindly request your assistance in ensuring that this inaccurate account is removed from my consumer report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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 explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OPORTUN FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Oportun/webbank XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX ) XXXX Subject : Dispute of Charged-Off XXXX Dear, oportun/webbank and the cfpb I am writing to formally dispute the charged-off account referenced above. I have noticed that this account was charged off on XXXX XXXX XXXXXXXX, and I have not received a Form 1099-C for the discharged debt. 
It is my understanding that, when a debt is charged off and claimed as a loss, the creditor is required to provide a Form 1099-C to the debtor for tax reporting purposes. The absence of this form raises concerns about the accuracy of the reporting of this account and the tax implications related to it.

To resolve this matter, I kindly request the following : Verification of the debt, including details of the original agreement.

A copy of the payment history associated with this account.

An explanation as to why a 1099-C form has not been issued for this charged-off debt.

Under the Fair Credit Reporting Act, I have the right to dispute any inaccuracies in my credit report. Please investigate this matter and respond in writing within 30 days. If you can not verify this debt or provide the necessary documentation, I request that you remove this account from my credit report. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation