vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The companies involve are below : 1. Bank of America ( I have my saving account ) 2. XXXX ( I dont have any association with this company. I dont know anything about this company or anyone associated with them. ) Please find more details below : I have a saving account with Bank Of America. I have not shared my account details with anyone. I have not authorised any trasanctions in my saving accounts for below amounts. 

I have noticed following suspicious trasanction in my Saving account : XX/XX/XXXX : Deposits of {$0.00} and {$0.00}, XX/XX/XXXX : Withdrawal of {$0.00} and {$0.00}, XX/XX/XXXX : Withdrawal of {$2400.00} These trasanction are completely unauthorised and without my knowledge. In transanction details the company XXXX and person XXXX XXXX is mentioned. I dont know about any of them.

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 2023-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
A payment was made on the account on XX/XX/XXXX and XX/XX/XXXX by mistake from the credit union we use. We called on XX/XX/XXXX to request a refund and were told that we had to wait 15 days for the refund. At that point, we didnt move forward for the refund because the next payment would be due on XX/XX/XXXX. The XXXX statement was mailed to us and it said we owed nothing for the month of XXXX because of the double payment. Then we started getting calls and texts non-stop saying we had missed our payment and were behind. However the website still said we owed nothing. I called several times and spoke to several reps over the course of 43 days to try and either get the money refunded or get the extra payment added to our account. They refused to do either for over a month. All the while calling and harassing me for a payment they already had. Finally we decided to sell the car to another dealership and end the Ally financing. The XXXX XXXX  called Ally to get the pay-off on XX/XX/XXXX and sent payment to them shortly after. Ally has continued to call and harass me for the payment and has now turned in a delinquent notice to the credit bureau. They have been unethical in keeping money that didn't belong to them, billing us for payments they already had in their possession for well over 40 days and by not using the funds from the dealership to pay off the loan and keep our credit in good standing. They have repeatedly called and texts even after the situation had been explained and payments had been made. They unethical business/loan practice has now caused my credit score to drop dramatically while once again they hold on to money that was paid, but unreported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: TX

Complaint narrative:
Several complaints have been filed with CFPB against Equifax for reporting inaccurate information on my credit profile which is a result of identity theft. 

First complaint was filed on XXXX XXXX XXXX XXXXXXXX. Followed by 2 other complaints for the same reason on XX/XX/23, Complaint # XXXX and XX/XX/23, Compliant # XXXX. 

Equifax has failed to remove or block inaccurate information that they are reporting which is a result of Identity theft. FTC Report, Police Report and Identification was provided several times to Equifax through Certified Mail and also through Equifax Online Portal. Equifax has failed to remove or block the inaccurate information ; Equifax provided false information to CFPB stating that they have completed the investigation and removed the inaccurate information.

Equifax also closed several of my disputes submitted through Equifax Online Portal but declined to block the inaccurate information. The inaccurate information that is still remaining on the credit profile are XXXX. XXXX XXXX - XXXX : XXXX XXXX. XXXX XXXX - XXXX : XXXX I am also attaching the letters sent to Equifax, the same information as also submitted through Equifax Online Portal for Disputes, yet Equifax failed to take any action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
Please help us! Lakeview loan servicing/XXXX  will not allow us access to our records. They have been stealing my money. Now I am unable to make a mortgage payment because when I call, Im only told that the company can not access my records either. My husband & I, are first time homebuyers. We have never been late even one time However, the company appears to be keeping our money and/or not distributing our money where it is suppose to go. Now I am unable to make any payment at all, because the company ; lakeviewloanservicingXXXX has experienced a security breach and claims that they are unable to access our account also. Please help! How do we pay our mortgage payment?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: PA

Complaint narrative:
EXPERIAN HAS A FRAUD LISTED ON MY CREDIT REPORT XXXX {$350.00}

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 2023-11-25 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} collection bureau of a 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 2023-11-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax please remove all credit inquiries on my credit report they are fraudulent, I did not authorize these inquiries, my information was used and someone committed fraud against me, my information was leaked on the dark web, there have been data breaches, Im going to attach the screen shots of my report with all these credit inquiries, I want these removed immediately, I have a credit freeze on my report, I do not want a fraud alert.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 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: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Capital one credit card and XXXX XXXX XXXX 
In accordance with the fair credit reporting act these creditors have violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC1681 section 604a section 2 ) also states a consumer reporting agency can not furnish an account without written instructions under 15 USCS 1666b a creditor may. It treat a payment on a credit card account under an open end consumer credit plan as late for any payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: CT

Complaint narrative:
This account is not mine. Please remove the fraudulent card/account of my credit report. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 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: CT

Complaint narrative:
This account is not mine. Please remove the fraudulent card/account of my credit report. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been a customer with chase bank for over 20 years and more you bank with them their customer is getting worst and worst under the leadership XXXX XXXX and so-called XXXX  customer care team. XXXX customer care service is lousy and XXXX of the worst experiences ever. 
Chase bank doesnt let customers dispute charges made on XXXX XXXX  credit cards. Once you log on to the online banking there is an option called dispute a charge. Once you try to dispute a charge, they asked you to call customer care number. Once you call the customer care, they will send you a text to the phone to dispute charges. Once you click on the link and try to dispute the charge, they will ask you to call customer service number. It is a ping pong game and no body from customer service team dont pick up the phone to make it extremely harder to dispute a charge. 
I rented the car from budget and the sales pressure was high to purchase a XXXX XXXX XXXX  and I told the rep at the counter that I am staying close to XXXX and asked how many XXXX XXXX  that I had to go through in order to get to my hotel and the answer was many and I ended up buying the XXXX  XXXX  for 7 days and on the way to the hotel I realize there are no XXXX  XXXX  on the way. I called the budget customer support following day to cancel XXXX XXXX purchase since there are 7 days left and to my dismay, they told me that I must return the car to cancel the XXXX XXXX XXXX  purchase. Not sure why you need to return the car since there is an alternative option to pay only if I go through a tXXXX XXXX and under the heavy traffic in XXXX, I didnt want to go to the XXXX to return the car to waste my precious time. 
Rep at the counter was not honest with me and they didnt cancel the purchase following day asking me to return the car.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-25 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: Taggart Motor Co
State: TX

Complaint narrative:
On XXXX, I filed an online application with the Taggart Motor Company to enter into a consumer credit transaction for the purchase of an automobile. I provided my non-public personal information in good faith and I was denied my right to extend credit based on there inability to pre authorize the sale of our contract to a non affiliated third party company. I spoke with the finance manager and the store manager about this issue. They denied any liability in connection with the contract that was filed online and placed liability on the non affiliated third party banks. Do to the fact that they couldn't get a bank to agree to the terms offered by Taggart Motor Company, to enter into a separate contract between Taggart Motor Company and non affiliated banks. 

Due to the codes set forth to protect me as a consumer from unfair practices, I have a right to personal extend credit in connection with the purchase for personal, family or household use. I request that this matter be addressed in accordance to the US Codes that govern these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: FL

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 XXXXXXXX XXXX, 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 an 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 2023-11-25 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: GA

Complaint narrative:
XXXX please remove all credit inquiries on my credit report they are fraudulent, I did not authorize these inquiries, my information was used and someone committed fraud against me, my information was leaked on the dark web, there have been data breaches, Im going to attach the screen shots of my report with all these credit inquiries, I want these removed immediately, I have a credit freeze on my report, I do not want a fraud alert.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 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: GA

Complaint narrative:
XXXX please remove all credit inquiries on my credit report they are fraudulent, I did not authorize these inquiries, my information was used and someone committed fraud against me, my information was leaked on the dark web, there have been data breaches, Im going to attach the screen shots of my report with all these credit inquiries, I want these removed immediately, I have a credit freeze on my report, I do not want a fraud alert.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type Balance Date Opened Collection {$380.00} collection bureau of a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type Balance Date Opened Collection {$380.00} collection bureau of a 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 2023-11-25 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: PA

Complaint narrative:
MY NAME IN PERSONAL INFORMATION IN NOT CORRECT REMOVE XXXX XXXX  XXXX AND 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 2023-11-25 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: PA

Complaint narrative:
PERSONAL INFORMATION NOT CORRECT PLEASE REMOVE XXXXXXXX XXXX XXXXXXXX

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