vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
On XX/XX/year> @ XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), I received a call from XXXX # XXXX from Bank of America. XXXX works in the fraud department and asked me about a check and wanted to know if I wrote it. I said no and said he would stop payment on this and he transferred me to another fraud specialist named XXXX # XXXX. She asked me for my social security number and I gave it to her and realized that was not a good idea and I told her I would call her back to get information and she HUNG up on me. I immediately called the bank back to inform the bank I had scammers calling me pretending to be the bank because the number XXXX called from was XXXX XXXX number and not the bank. The bank made me feel better because XXXX and XXXX do work for the bank. And the representative of the bank said that I did approve the check. She changed the check to fraud. I told the bank to listen to the recordings so the bank could listen to me saying no. The bank said the check was not cashed and I would get my money back in two days. I went into my account and looked at the check and it was cashed # XXXX {$4500.00} to a XXXX XXXX XXXX. I reached out to the XXXX XXXX where the check was cashed XXXX XXXX XXXX. I spoke to the CEO and he said the check was approved by the BOA and he was concerned as to why BOA never contacted him about this matter. I spent 3 days working on this ... one BOA employee said that XXXX is a really nice guy and would never do this on purpose and that they will be retraining him. If you would like to see the check that XXXX approved let me know. I am so glad that I called the bank back after talking to XXXX after she hung up on me. If I had not called back, XXXX would have changed the check as fraud after XXXX approved it without my consent. And I never would have known. I filled out a report to the Federal Trade Commission. I went to the Police Department and they said, we are short staffed, filing reports takes a long time and as always people filing the reports never get justice. I am not able to get the recordings or my notes entered from BOA. I believe that I found a fraud glitch in the BOA system. I asked BOA why XXXX called me from a State of California XXXX # and they said BOA uses their number. I believe I have my money back. I am not closing my account because if I do I won't be able to contact them about this situation if I have more questions.

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 2024-02-10 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: LA

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 non-monetary relief
Consumer complaint received 2024-02-10 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: LA

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 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 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: PA

Complaint narrative:
My name is XXXX XXXX and I would like to inquire about my consumer report with LexisNexis. On XX/XX/XXXX I spoke with one of the LexisNexis representatives named XXXX ( Case Reference Number : XXXX ) and she informed me of the 4 accidents I had on my record. The first 3 were under XXXX XXXX, with dates XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The last one was with XXXX XXXX on XX/XX/XXXX. XXXX told me that all of these accidents were listed as under my fault, and when insurance companies went to LexisNexis to get this information, that is what they reported to me, and therefore charged me higher quotes. I understand that LexisNexis does not have a hand in the quotes or policies of these insurance companies, but it is reporting the incorrect information. 

I recently filed a report with the CFPB ( Case # XXXX ) with LexisNexis for incorrectly reporting the fault of these accidents. CFPB opened up a claim with LexisNexis and you recently responded to me. In the letter, they only spoke about 2 accidents, the ones on XX/XX/XXXX with XXXX and XX/XX/XXXX with XXXX. LexisNexis finally talked with XXXX and removed the claim that the accident on XX/XX/XXXX was my fault, correctly so. However, when discussing the claim with XXXX, they said that their information was " accurately reported '', even though I have evidence that XXXX claims that this accident was not my fault ( this will be attached below ). Apparently this accident was not removed from my file when it should have also been. 

Lastly, the other 2 accidents I talked to XXXX about have not been reviewed or disputed at all, which are the accidents that occurred on XX/XX/XXXXXXXX  and XX/XX/XXXX. I have evidence that both of these accidents were not my fault. This can easily be verified if LexisNexis opens up a claim with XXXX and talks with them. I will attach my evidence below for these 2 accidents as well, showing that XXXX states these were not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: CA

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 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 2024-02-10 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: IA

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 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 2024-02-10 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: CA

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 non-monetary relief
Consumer complaint received 2024-02-10 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: AR

Complaint narrative:
i am a natural person, i am a livng human being. i have right under 15 usc 1681 experian is goven by 15 usc 1681. and they violated my right numerous of times. i demand the accounts listed below be removed because According to 15 USC 1681 i have the right to privacy I did not give XXXX written permission to furnish these accounts Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo Mediation Program Administrator XXXX XXXX XXXX XXXX, OR XXXX Attn : XXXX XXXX /Claim Representative Dear sir, I have received a notice from the claim representative, XXXX XXXX, from your company, Wells Fargo. The letter was addressed to my business, the XXXX XXXX. I remember I used to have an credit account and credit card with your company, which account name were the XXXX XXXX. However, due to the Pandemic, I remember I closed both accounts eventually. At this moment, I do not have any account in the name of the XXXX  XXXX, especially, after the disappearance of my business website and email address, and possible legal action in near future, I do not feel to open any personal and business account until all matters, which might connect with illegal activities will be solved ; therefore, I can not understand at all why you can mention as We have been unsuccessful contacting you by telephone to discuss the specifics of your mediation claim and the possibility of solving your claim. I admit I have mental condition not to answer any unfamiliar telephone calls due to the many unwanted calls and hacking. However, I do not know the reason why we need to discuss the specifics of my mediation claim, which I do not know at all and I legally have the right to ask you what this specifics means. I request you to explain what kind of mediation claim has been submitted to you and your office of Wells Fargo. Also, I can not understand with same reason why you feel the possibility of solving my claim, which I do not know at all. I beseech you to explain what king of claim you have received in the name of my business name, which has been registered by my name, XXXX XXXX. 

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 2024-02-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was checking my Experian credit report as of XX/XX/XXXX when I noticed that were was a hard inquiry made on XX/XX/XXXX regarding a new loan installment or bank account at XXXX XXXX XXXX. I have never been a customer at XXXX XXXX XXXX  before and I don't recognize this inquiry. I have reported already to the Federal Trade Commission regarding fraud. I would like to report fraud and identity theft directly to XXXX XXXX XXXX, and to request the bank investigate this matter and reverse the hard inquiry.

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 2024-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: TN

Complaint narrative:
I rented a vehicle from XXXXXXXX XXXX XXXX XXXX on XXXX I returned the vehicle on XX/XX/. 
XXXX billed me for 8 days instead of the ,5. I have since fixed the issue, XXXX even credited my account but Aspire closed my account stating that I sent over my credit limit, explaining that it was no fault of my own, they refused to reopen my account. 

I had a {$500.00} limit. My credit balance is {$340.00} The card is through Aspire XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding the conduct of Equifax, a major credit reporting agency. I believe Equifax has violated the Fair Credit Reporting Act ( FCRA ) by not following proper procedures in verifying account information and reporting bankruptcy data. 
Upon reviewing my credit report obtained from Equifax on XX/XX/year>, I discovered inaccuracies related to a bankruptcy filing. It has come to my attention that Equifax did not directly contact the furnisher of the account, as mandated by law. Instead, they relied on third-party verification processes, such as PACER ( Public Access to Court Electronic Records ) and XXXX, which are not adequate verification sources according to the FCRA. 

This violation has had a detrimental impact on my creditworthiness and overall financial standing. As a result of the inaccurate reporting of bankruptcy, I have faced [ describe any specific negative consequences, such as denial of credit or higher interest rates ]. 

Although I have initiated the dispute process with Equifax to rectify the inaccuracies, I am deeply concerned about the broader implications of their failure to comply with the FCRA. It is crucial that credit reporting agencies adhere to the law to uphold the integrity of consumer credit reports and protect consumers ' rights. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Equifax for their non-compliance with the FCRA. Additionally, I seek assistance in resolving the inaccuracies on my credit report and ensuring that my rights as a consumer are safeguarded. 

Thank you for your attention to this matter. I anticipate a prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: DE

Complaint narrative:
Hello I sent in a report and haven't heard from the two credit companies as of yet and it's about a month. Experian XXXX and XXXX XXXX. If they haven't found out the truth then they must remove the items 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 explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
A collections showed up on my credit report for {$1600.00} from XXXX . Ive never had a XXXX account. Ive had the same cell service for 15 years and never change numbers. I called and they say they cant give me any information about the account because I dont have my pin. I let them know this was a fact fraudulent account, and I dont have a pin created, nor a way to access for one. They said to go to a store verify with my license and they could give me an account information. I did that all they could tell me was that there was an account opened up for two different phone lines in my name and no other account information unable to give me a date or location where in account was opened. I repeatedly told him this is not my account and ask for the fraud department, and they were unable to provide any info to me or the project apartment number or anything to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To whom it may concern, I received my free credit report and have noticed discrepancies on a reported charge off account that violates my FCRA rights ( Fair Credit Reporting Act ) I have highlighted my concerns in the .pdf attached and ask that due diligence is done to confirm the validation of this debt. I have previously requested information from this collection agency and have in return received repetitive robot-like replies basically saying " take my word for it. '' I have not received real credible evidence including but not limited to : a signed contract, and the I.D provided at the time of contract signing. I've been made uneasy by the sloppy account keeping. I have provided FTC identity theft reports to this agency as well, per their request. They did not care and proceeded to ignore my request for deletion. I have spent months now attempting to work alongside the collection agency and have gotten nowhere. They refuse to provide me with valid information confirming the accuracy of the reported account. I am requesting that Experian take control of the situation and determine the credibility and legality of this account by validating this debt. Across all three bureaus are inaccurate and contradictory reporting such as payment history, and account status. I would imagine that payment history and account status are the two most important attributes of an account on a credit report. Assuming that is the case, why are my accounts being reported this way? How can a person pay 94 % of payments on time while simultaneously reporting 0 % payments made ( all payments missed )? This is not ok, this is not legal, and should be fixed ( deleted from my account. ) XXXX reports 94 % of payments made on time whereas Experian reports 0 % of payments made on time. XXXX 's payment history is void yet reporting as open, the same as the XXXX report which has the 94 % payment history. All of this will be highlighted in the attached .pdf document for easy viewing. It is my understanding that accounts that are not accurately and consistently reported are in violation of my FCRA rights and if this debt can not be validated. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I asked PayPal to close my account, which is under the name of my company, and they said that they could not close it because it was blocked. I tried to unblock it, but they told me they could not. I asked who could do it in the company and I was told no one could. I asked then to remove my personal information from the account, and they told me they couldn't because it was blocked. I was able, after complaining, to have them take my bank information out, but that was the only thing I could make them do. All my personal information is there and they refuse to delete it.

Company response to consumer: Closed with explanation