vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
All XXXX credit bureau REPORT errors and diferet information they are charging meto monitoring my credot 3 times amont

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 2023-11-09 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: NY

Complaint narrative:
These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached " XXXX XXXX open balance {$750.00} last reported XX/XX/XXXX. Original creditor. ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) " " XXXX XXXX XXXX last reported XX/XX/XXXX '' HARD INQUIRIES " ( XXXX XXXX. XXXX XXXX, XXXX ) ( XXXX XXXX. XXXX XXXX, XXXX ) ( XXXXXXXX XXXX XXXX XXXXXXXX. 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 XXXX XXXX ) ( XXXXXXXX XXXX XXXX, XXXX. XXXX, XXXX ) ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX. XXXX, XXXX ) ( XXXX, XXXX. XXXX, XXXX ) ( XXXX XXXX, XXXX. XXXX, XXXX ) ( XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) ( XXXX XXXX, XXXX XXXX, XXXX ) ( XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX. the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act XXXX XXXXXXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: NY

Complaint narrative:
These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached " XXXX XXXX open balance {$750.00} last reported XX/XX/XXXX. Original creditor. ( XXXX XXXX XXXX XXXX XXXX XXXX ) " " XXXX XXXX XXXX last reported XX/XX/XXXX '' HARD INQUIRIES " ( XXXX XXXX. XXXX XXXX, XXXX ) ( XXXX XXXX. XXXX XXXX, XXXX ) ( XXXX XXXXXXXX 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 XXXX XXXX. XXXX, XXXX ) ( XXXX TN XXXX, XXXX. XXXX, XXXX ) ( XXXX XXXXXXXX XXXX XXXX, XXXX. XXXX, XXXX ) ( SXXXX XXXX. XXXX, XXXX ) ( XXXX XXXX, XXXX. XXXX, XXXX ) ( XXXXXXXX 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 ) ( XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX. the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: FL

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXXXXXX XXXX Balance Owed : {$230.00} XXXX XXXXXXXX Balance Owed : {$2800.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-09 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: FL

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXXXXXX Balance Owed : {$230.00} XXXX XXXXXXXX Balance Owed : {$2800.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 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: NY

Complaint narrative:
These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired TransUnion, who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached " XXXX XXXX open balance {$750.00} last reported XX/XX/XXXX. Original creditor. ( XXXX XXXX XXXX XXXX XXXX  XXXX ) " " XXXX XXXX XXXX last reported XX/XX/XXXX '' HARD INQUIRIES " ( 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 XXXX  XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXXXXXX XXXX XXXX, XXXX. XXXX, XXXX ) ( XXXX XXXX OF XXXX, XXXX. XXXX, XXXX ) ( XXXX XXXX  XXXX, XXXX ) ( XXXX XXXX, XXXX. XXXX, XXXX ) ( XXXXXXXX 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 ) ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant TRANSUNION. the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act XXXX TransUnion has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Block, Inc.
State: NV

Complaint narrative:
On multiple occasions, I have had a hotel place a deposit hold on my account, but even after they finalize the transaction, Cash App continues to hold the funds and demands a letter detailing the transaction, on company letterhead. The falsely insist the merchant is the one holding the funds, when the merchant has blatantly finalized the transaction. In the instance of a merchant legally changing name ( or the XXXX XXXX in XXXX, NV became the XXXX XXXX - very publicly ) Cash App will not accept the letter due to the name difference. 

This is blatantly using excessive holds and misinformation so that Cash App can capitalize on the misheld funds to earn interest from the money it should have released. The expectation that consumers and merchants need to take hours out of their day to kowtow to Cash App 's requirements of a letter that states what has already happened with the transaction, all while lying to customers about who has those funds on hold, is absurd. 

My most recent transaction began XX/XX/ and Cash App is stating that the merchant has not finalized the transaction ( though they have completed the transaction ) and that the funds will be held until XXXX or later. In order to get the funds released at that point, I will again need to initiate a.suolort request and once.more.beg to be given access to my money. If I do not do so, they will hold it indefinitely. 

This is theft of income, as they are keeping the interest they earn from my money in their account, while deflecting the blame onto a merchant that has nothing to do with the hold on my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: TX

Complaint narrative:
I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an accounts opening date on my credit report with Experian And XXXX Credit Bureaus. The incorrect accounts opening date has resulted in inaccurate reporting that has negatively impacted my credit score. I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. Each time, I received a confirmation of the receipt of my dispute but saw no concrete action to rectify the inaccuracies. I believe that a prompt correction of this late-open account is essential to ensure the accuracy of my credit report. I kindly request a thorough and immediate investigation into this matter to correct the reported account opening date. Furthermore, I insist on a written response outlining the steps taken, the results of the investigation, and a clear plan for the correction within the legally required timeframe. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your immediate assistance to correct the accounts immediately : OFFICE OF THE ATTY XXXX XXXX Balance : {$7500.00} ; ATTYGENERL XXXX Balance : {$7300.00}.

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 2023-11-09 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account that needs to be investigated and corrected for erroneous reporting in my file is listed on my credit report XXXX XXXX XXXX XXXX XXXX : {$270.00}.

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 2023-11-09 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: CA

Complaint narrative:
I requested for these companies to show proof of the credit accounts reporting to the Credit Bureaus. They responded back with no proof whatsoever. Which is in violation of my rights with the Fair Credit Reporting Act 611 ( a ) ( 7 ). I do not want to request a reinvestigation. I simply want these items removed, IMMEDIATELY! They have been unable to respond in a timely manner and provide the method of verification. Please remove the following items from my credit report to prevent further damage. Thank you! 

XXXX Bank XXXX Account Number XXXX XXXX XXXX XXXXXXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX - Account Number 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 2023-11-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being 30 days late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. I am writing to formally dispute the information contained in my credit report, specifically regarding XXXX XXXX XXXX XXXXXXXX. Upon noticing inaccuracies in my report, I took it upon myself to reach out to the creditor to request validation of the debt, but to my disappointment, they failed to provide any supporting documentation. I reached out to XXXX XXXX regarding the validity of the debt, but they did not provide any. As I am looking over my credit report, this account is incorrectly being reported as a late payment account. Please provide proof of the account was 30 days late and delete the negative payment status on this account. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.

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 2023-11-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I have around XXXX transactions charged to my Bank of America credit card that are all fraud adding up to over {$1000.00} I have called, emailed submitted fraud claims & been denied. I have screenshots Ive sent as to what charges were mine be what are not. Ive been calling & resubmitting these fraud charges over & over.

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 2023-11-09 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: LA

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-11-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2023 at approximately XXXX XXXX, my Bank of America Savings Account recorded an unauthorized transaction in the amount of {$2500.00}. 
The transaction was a XXXX payment from my Savings Account ( never used for a XXXX transaction in 10 years with this bank ) to the checking account of an unknown individual. 

Immediately upon discovery ( on the very same day of the fraudulent transaction ) I notified Bank of America, requested the bank accounts to be frozen and promptly filed a police report with the XXXX XXXX Police Department, Internet Crime Complaint Center ( IC3 ) and Federal Trade Commission. 

Bank of America was provided with all the documents described above along with a notarized affidavit ( in which I declare that I have not originated, approved or delegated in any way the disputed transaction ) and other documents they requested regarding the cyber-attack ( such as a notice letter from IBM of a data breach involving my sensitive data and screenshots of antivirus detections of malwares on my personal computer on the date of the transaction ). 

Bank of America denied the claim on the basis that I did not provide enough legal evidence of a cyberattack therefore I should be accounted liable of a fraudulent transaction from my " savings '' account to an unknown party. 

The claim was rejected 3 times because they keep arguing that I personally approved the transaction " since I did not provide the right amount of legal evidence of a third party tampering with my devices ''. The type of evidence they are requesting would only be accessible by the instruments of subpoena ( requested by a court of law ) or an expert letter/opinion which would cost by itself more than the disputed transaction. 

I spent hours investigating, filing complaints, waiting on hold over the phone or in one of their financial centers and requesting legal documents to parties which are not interested in cooperating since they do not want liability. 
I was forced by the bank to assume the burden of proof which I believe should not be on the customers ( victims of fraud are not all cybersecurity technicians or a bank investigators ). 
My consumer 's rights have been repetitively violated when I was requested to submit new and different types of evidence which were always difficult to obtain. 

Bank of America should be liable for breach of regulation E and breach of contract when their customers are subject to unauthorized fraudulent transactions. Their fraud departments should investigate the unauthorized transactions instead of asking customers to produce burdensome legal evidence. I am submitting this claim as my last resort before pursuing legal action in a court of 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 monetary relief
Consumer complaint received 2023-11-09 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: FL

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any accounts which is found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, this accounts being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The accounts that they must remove is listed below : XXXX XXXX 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