vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-21 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: TX

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 informationisinaccurate.

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 2024-06-21 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: IL

Complaint narrative:
Collection : XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 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 items of information, other than records of convictions of crimes which antidotes 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 2024-06-21 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: IL

Complaint narrative:
Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 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 items of information, other than records of convictions of crimes which antidotes 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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
There are several inaccuracieson this account that's reporting different account numbers to XXXX XXXX and XXXX XXXXXXXX. There is no last payment reported to XXXX and last date of payment reporting to XXXX is XX/XX/2023, which is inaccurate information. The high balance is reporting {$1000.00} on XXXX and {$1500.00} on XXXX. The last date of activity is also incorrect with XXXX reporting XX/XX/2023 and XXXX reporting XX/XX/2023. I recently found out the account was sold to another agency which is reporting inaccurate information to XXXX. This is causing my credit score to be drop and is affecting my ability to obtain new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: AZ

Complaint narrative:
SinceXX/XX/2024 XXXX XXXX XXXX has made XXXX charges to my Bank of America Visa credit card, totaling {$1100.00}, even though I never heard of the vendor and have not owned a pet in 40 years. The bank has been notified of each fraudulent transaction and has issued four replacement cards over the past XXXX months with assurances that it will solve the problem. They have put stops on XXXX accessing my account but the latest charge came in on XX/XX/XXXX. Bank of America has been good about crediting the charge amount once the investigated but the can not stop the charges. From what I can tell, recent charges may be of the autopay type but the problem is continuing with B of A unwilling to be proactive in problem-solving this issue and sticking to standard procedures. I contaced XXXX XXXX XXXX today at the suggestion of the bank and they showed no record of me in their system. 
This problem is impactful to myself and potentially many others, particularly those who don't keep track of charges. I do not know if the problem is criminal or technical but it needs to be resolved.

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 2024-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXXXXXX, I purchased {$31.00} of groceries with my Bank of America Debit Card. 
Someone stole both the PIN # I entered and my Debit Card without my knowledge. I didn't discover the loss till my wife asked me if I withdrew {$900.00} from our account. I said no and called Bank of America to report an unauthorized transaction on the Debit card. The agent for the bank said we needed to call back Monday and they would credit the account for $ XXXX turned out at least 2 other attempts were made to use the card but those were not successful. The agent I talked with from BOF at XXXX Texas said there would be an investing nation that would take about 30 days. I went to XXXX myself and asked if there might be a video to see who stole my Debit Card but he said only the Police could authorize that. He was not very helpful. I filled out a police report and sent it to BOA for their records.I received a letter denying my claim dated XX/XX/XXXX. It stated : Our research included the information you provided with your claim, your account history, the monthly account statements we sent you, and if available, information from the merchant, such as a signed receipt or contract. We made this decision because : The charge was authorized by you or made by someone who has permission to use the card or account. It goes on to say The credits for {$900.00} that was applied to your account will be removed on XX/XX/XXXX, along with any credits for fees related to this claim- You'll see the adjustments on your monthly statement. They were made aware in my letter to them That Federal Law states that if an unauthorized transaction is reported 2 days after discovery I am only responsible for {$50.00}.

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 monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
My name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX. My email address is : XXXX. Barclays phone number is : XXXX. I wanted to find information about this credit card. I proceeded to contact this Company, Barclays Bank of Delaware, and when the person I was speaking to told me that I would have to pay {$490.00}, a year, I told him that I wasnt interested, because I was retired, and I couldnt afford it. I repeated that twice and then I hung up. A couple of days later, they mailed me the card!! I was in shock. Well, I immediately mailed the card back, and I assumed that was the end of it. Wrong. In my email, I saw that XXXX Credit Report stated that my credit number had gone down. As soon as I saw the name, Barclays Bank of Delaware, and the amount I owed, {$490.00}, with an immediate payment of {$58.00}, I knew I had to do something. I never used the card, I dont even know the number on the credit card. I am writing to you people so that you can clear up this problem. If theyre doing this to me, there are probably others that are dealing with these fraudulent maneuvers, and they need to stop. My credit report needs to be restored to what it was before Barclays Bank of Delaware insidiously involved itself in my personal business, without my knowledge or consent. 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 2024-06-21 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: KS

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 XXXX 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 informationisinaccurate.

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 2024-06-21 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: SC

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 XXXX 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 informationisinaccurate.

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 2024-06-21 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: KS

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 XXXX 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 informationisinaccurate.

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 2024-06-21 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: SC

Complaint narrative:
I spoke with a representative over the phone to address this issue, she was reluctant to assist me. I would like to have unauthorized hard inquires to be removed from my Experian credit report. These creditors didn't have permission to run my credit. I have now placed a lock on 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 2024-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: NJ

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-06-21 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:
Experian is reporting inaccurate information on my consumer report. Account # XXXX I am writing to formally request a thorough reinvestigation into the inaccurate accounts being reported on my consumer credit report. I have identified several false instances and non-compliant information that require your immediate attention. 

Federal regulations mandate the complete, accurate, and compliant reporting of all information, particularly within the Metro 2 data fields. Any deviation from this standard is not only a violation of federal regulations but also a breach of consumer trust. 

I insist on your strict compliance with Metro 2 reporting requirements. You must provide me with irrefutable physical proof of the validity, accuracy, and compliance of the reported information. Specifically, I request : The name and contact information of the individual at the original creditor with whom you communicated to verify these items. 

The method of contact used ( e.g., phone, email, written correspondence ). 
Whether you utilized a Universal Data Form ( UDF ) or an automated dispute verification system. 

A detailed description of the reinvestigation procedure, including the steps taken to verify the disputed items. 

If you can not substantiate the claims made in my report with the requested information, I expect the inaccurate accounts to be removed immediately. Failure to comply with my request will result in my taking legal action, including filing a lawsuit in small claims court for {$1000.00} per violation, pursuant to FCRA 623 ( a ) ( 3 ). 

Please address this matter with the urgency it deserves and provide a written response within the 30-day period as required by the FCRA. I expect a complete and thorough investigation into this matter.

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 2024-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
Various Credit Card Companies ( XXXX : XXXX, American Express ) do not send a statement if you do not make a charge to the account. I think a statement should be sent out out whenever there is ANY activity on the account. They do not send if you only make payments and have a XXXX balance. I think they need to send one whenever there is ANY activity

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have formally disputed inaccurate information and it was re-investigated by TransUnion XXXX and XXXX with account number XXXX, XXXX  and account number XXXX XXXX also account number XXXX XXXX XXXX XXXX and as a result from those disputes the company falsely claim that accounts was verified I received a message from the CFPB with this information as response from company I have provided proof and is asking that these illegally accounts be removed and deleted from my credit profile immediately as it is in violation of the fair credit act it is inaccurate and has effective my credit worthiness please follow the rules and delete this in accurate account

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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have formally disputed inaccurate information and it was re-investigated by XXXX XXXX and Equifax with account number XXXX, XXXX and account number XXXX XXXX  also account number XXXX XXXX XXXX XXXX and as a result from those disputes the company falsely claim that accounts was verified I received a message from the CFPB with this information as response from company I have provided proof and is asking that these illegally accounts be removed and deleted from my credit profile immediately as it is in violation of the fair credit act it is inaccurate and has effective my credit worthiness please follow the rules and delete this in accurate account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: NJ

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief