vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-04 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: FL

Complaint narrative:
all of these accounts are fraud that i came across i now have a identity iq that was able to help me filter through these unrecognizable accounts These inquiries were not authorized XXXX XXXX XXXX XXXX also same company again XXXX XXXX XXXX  XX/XX/XXXX additional companies of unrecognized transactions are stated here as well XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX 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 2024-05-04 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: FL

Complaint narrative:
all of these accounts are fraud that i came across i now have a identity iq that was able to help me filter through these unrecognizable accounts These inquiries were not authorized XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX also same company again XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX additional companies of unrecognized transactions are stated here as well XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX ACCOUNT opened XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 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: LA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-05-04 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: LA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Citizens bank withdrew {$99.00} from my account for a check I wrote for {$19.00}. I called customer service who pulled up my cancelled check and confirmed the banks error. He stated he could see the check was written for " XXXX dollars and XXXX XXXX and in the upper right amount box I had written " XXXX '', the associate advised I would receive an {$80.00} adjustment within XXXX business days providing me with reference # XXXX. Today I received a form letter denying Citizens will credit the {$80.00} they unlawfully removed from my account. This is fraud & will be taking Citizens to small claims court if this is not corrected in a timely fashion. This is the second time Citizens made an error on my account. About 2 years ago, I made an in person deposit of several XXXX dollars at the XXXX, XXXX  branch on the corner of XXXX and XXXX. I was told they 'accidently " put it into someone else 's account, apologized & credited my account. A friend just advised me Citizens bank is being sued for sending out automatic denial letters. I think they have learned nothing. I will not be appeased or accept condescension. I'm a XXXX XXXX XXXX retiree ; however my former position at XXXX XXXX, was to settle claims & I still maintain contact with several excellent litigators.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
On XX/XX/year> my Bank of America account was hacked and the hacker tried to send a debut card to their address. Once I found out I immediately closed down that account, opened a new account with increased security and new username and passwords, and I transfered half my money to my Merrill XXXX XXXX account. After my Bank of America account was secured, on XX/XX/XXXX I called XXXX XXXX to withdraw my money, but I was told my account was " blocked '' and I had to wait for the " outbound team '' to call me. On XX/XX/XXXX they never called when they said they would. I called and requested the reason for the denial of funds as required by Electronic Funds Transfer Act but they failed to provide that information. I noticed others had made this same complaint on the CFPB website so I decided to file my complaint. When I went into Bank of America on XX/XX/XXXX, I was told this issue would have to be resolved with XXXX XXXX, but whenever you call XXXX XXXX they tell you that the account is being investigated and you have to wait for the outbound team to call you, but they won't give you a date when you will have access to your funds. I feel as if XXXX XXXX took my money and will not give me access even though I was a victim of a criminal trying to do the same thing. As of today, XX/XX/XXXX, I have still not been given access to my money despite requesting it for 4 days now. I just want access to the money that I moved into my XXXX XXXX account because I thought I was protecting my money, but I didn't know that XXXX XXXX would deny my ability to withdrawal or transfer funds. I verified my identity many times in person in Bank of America, and since Bank of America is the only reason I opened the XXXX XXXX  account and their accounts are tied together, I feel they both need to respond to denying me access to transferring my money or withdrawal. I hope the CFPB helps me get my money back from XXXX XXXX. Just because I'm a victim of a crime does not mean I should be denied banking services.

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 2024-05-04 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 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: NC

Complaint narrative:
I finished their credit program. They kept billing me for 3 years after when I wasn't using the card. Now they say it's maxed out. They did not improve my credit score. I don't understand what I've done wrong.

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 2024-05-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NC

Complaint narrative:
As a user of the Cash App platform, I have observed that there are multiple entities involved in this agreement, including Cash App, XXXX XXXX and Block Inc. ( formerly known as Square Inc. ). The agreement encompasses both the Cash App Terms of Service and the Cash App Prepaid Card Program Agreement, with the Cash App Prepaid XXXX Card being provided virtually or physically by XXXX XXXX  as a partner. There are inaccuracies of insured deposit being charged by Cash App Services during purchases on a prepaid card program FDIC insured on the balance with in the Cash App. 
One area of concern is the delineation of responsibilities and liabilities among the involved parties. It is noted in the agreement that XXXX XXXX is not a party to the Cash App Terms of Service and holds no responsibility or liability for the Cash App Services. However, in the event of any inconsistency between the agreements, it is stated that the Cash App Prepaid Card Program Agreement shall govern and control aspects such as the Account, Card usage, and the relationship with the Bank. Cash App balance is FDIC insured through Cash App 's other bank partners. This redundancy raises questions regarding the clarity and coherence of the FDIC insurance coverage provided for Cash App balances. This has been occurring ongoing service fees and penalties since XX/XX/2020 to current XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: AZ

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 2024-05-04 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: AZ

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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item that I am asking you to verify as accurate : 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 2024-05-04 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: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item that I am asking you to verify as accurate : XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I am filing this complaint against Bank of America for their failure to adequately resolve a dispute over a credit card transaction regarding defective products purchased from XXXX on XX/XX/year>, for {$58.00}. My attempts to resolve this issue with both the merchant and Bank of America have been unsuccessful, leading to unwarranted financial implications. 

Summary of the Issue : Initial Communication and Evidence Submission : I notified Bank of America of the defects via fax on XX/XX/year>, providing photographic evidence to support my claim. This evidence was sent from my phone number ( XXXX ) to their designated fax line ( XXXX ). 
Bank 's Inadequate Response : The response from Bank of America lacked substantive feedback and failed to acknowledge my rights under the Fair Credit Billing Act, which mandates a thorough investigation of disputes involving defective merchandise. 

Relevant Bank of America Agreement Terms : Billing Rights Notice : As outlined in their " Billing Rights '' document, I am entitled to dispute charges for goods that were not delivered as agreed and am protected against any collection activities on the disputed amount during the investigation. The document states that the bank must acknowledge my complaint within XXXX  days and resolve it within two billing cycles or XXXX days, whichever comes first. 
XXXX XXXX XXXX : The " Cardholder Benefits Guide '' suggests additional protections for items purchased that turn out to be defective. Although my dispute centers on a defective delivery, the principles of ensuring product integrity as outlined should analogously apply to the transaction dispute process. 

Impact on Me : The unresolved dispute has led to financial losses due to the persistence of the charge and associated costs, despite clear evidence of the merchandises defectiveness.

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 2024-05-04 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: FL

Complaint narrative:
Please see attached file.

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 2024-05-05 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:
To Whom It May Concern : I am writing to inform you that I have been a XXXX XXXX XXXX XXXX  and therefore I am challenging the reporting and compliance of 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 non-monetary relief
Consumer complaint received 2024-05-05 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: LA

Complaint narrative:
To Whom It May Concern : I am writing to inform you that I have been a victim of identity theft and therefore I am challenging the reporting and compliance of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 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. 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 2024-05-05 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: 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.

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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: U.S. BANCORP
State: CA

Complaint narrative:
Exhibit 1 - U.S. Bank Consumer Bureau Dispute handling ( XXXX ) letter dated XX/XX/XXXX, states - " The Vehicle was sold on XX/XX/XXXX. 

Exhibit 2 - XXXX XXXX XXXX declined my ( customer ) loan application XX/XX/XXXX. Charged off balance due {$9500.00} due to the delinquent trade of the XXXX. 

Exhibit 3 - Credit report balance due {$13000.00}, XX/XX/XXXX. 

If US Bank sold the boat on XX/XX/XXXX, How did US Bank report delinquency XX/XX/XXXX? 

Why the delinquent amount is different on XX/XX/XXXX, balance XXXX, today the balance is {$13000.00}?

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 non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am contacting XXXX XXXX and informed them that the information that they are reporting is unlawful. I asked them to remove. It is not my account nothing was done. 
XXXX XXXX XXXX XXXX COLLECTION/CHARGEOFF Personal Loans {$220.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$220.00} Account Details Account Type Secured loan Responsibility Individual Original Loan Amount {$1400.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$220.00} Date of Last Payment XXXX XXXX XXXX Monthly Payment {$0.00} Term 6 Payment Frequency Monthly ( every month ) Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX, VA XXXX XXXX Charged off as bad debt. Dispute resolved ; customer disagrees.

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