vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 a 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 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 a 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 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, 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: MO

Complaint narrative:
Ever since I got an email last year from XXXX saying some of my information was found on the dark web. Random things have popped up on my credit report. Im at work and just got 7 back to back emails about inquiries. I called one of the companies first and the rep said she would have no way of know if someone applied online or in person. I then called XXXX and the guy told me to call companys that received the inquiries. This is ridiculous and unacceptable. Ive worked too hard restoring my credit to allow stuff like this to happen

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 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, 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: MO

Complaint narrative:
Ever since I got an email last year from XXXX saying some of my information was found on the dark web. Random things have popped up on my credit report. Im at work and just got 7 back to back emails about inquiries. I called one of the companies first and the rep said she would have no way of know if someone applied online or in person. I then called XXXX and the guy told me to call companys that received the inquiries. This is ridiculous and unacceptable. Ive worked too hard restoring my credit to allow stuff like this to happen

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I already tried to fix this with the company I dont know who lvnv company is I have no contract with them please show me the wet signature that I signed up with them. If they cant provide that it means I never had a contract. XXXX This is the claim number I already sent in and yall let them state I owe this debt that is not mines this is identity theft because I never signed a contract with them at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
Tower Loan accessed my credit file on XX/XX/2021. I do not recognize this credit file inquiry and did not authorize this access to my credit file. My credit file has an active fraud alert and is currently frozen. I have also unsubscribed and blocked access to my credit report for any pre-approved promotional offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I went to apply for a vehicle and was denied access to the line of credit that was opened in my name. My application was received and they ran my social security, which by that point we had entered a consumer credit transaction where I, The Beneficial Owner, are owed a line of credit in amount equal to the amount I applied for. In denying me, I was discriminated against ; The amount of credit history has no legal impact on the decision nor is it lawful to deny someone based on information from third party affiliates per ; Federal Reserve Act. Sec. 16 " Issuance of notes '' and " application for notes '' and 15 usc 1605. I also gave a tender of payment to give the bank clarity on what to do with my application which I will provide in the following text box along with a photo of my application.

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 2023-08-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am the XXXX  of my late mothers estate and I have been working with the Bank of America estate department to close her savings account and get the proceeds so I can distribute them to the heirs. 

I hired an estate attorney to advise me with the paperwork and mailed it first class certified to the Bank of America Estate Department on XX/XX/2023. The postal service confirmed that the Bank of America received my paperwork on XX/XX/XXXX. 

On XX/XX/2023, I visited a branch of the Bank of America to get help with the lack of a response. The staff person at the branch called the estate department in my presence and was told that they had a response in there files marked do not send. The branch person instructed them to send the correspondence to her digitally and gave it to me. The correspondence from the estate department acknowledged my letter and requested the forms that they had received with the letter on XX/XX/XXXX. 

I resubmitted the forms the estate department requested, taking them to a branch and having the staff there transmit them to the estate department on XX/XX/2023. 

On XX/XX/XXXX I telephoned the estate department to verify that they were processing the matter. They verified that they had the forms and would mail a check. 

On XX/XX/XXXX I telephone the estate department to verify that they had sent the check. They confirmed that they had mailed it and confirmed the address. They asked me to contact them if the check didnt arrive in a few days. 

On XX/XX/XXXX I visited a branch of the Bank of America and worked with staff to research why I had not received the check. The estate department told the branch person that they had not sent the check and would send it via XXXX or XXXX to arrive by XX/XX/XXXX. 

On XX/XX/XXXX I telephoned the estate department to see what happened to the check. The staff at the estate department said they had not sent the check and would send it to arrive in twelve days.

I should note that each time I worked with Bank of America staff on this they confirmed my name and address. 

I have arrived at the conclusion that the Bank of America has no intention of sending the check and I would like to file a complaint against them and request that you compel them to issue and send the check.

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 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One accessed my credit report on XX/XX/XXXX and XX/XX/XXXX. I do not recognize and did not authorize this access to my credit reports. 

My credit report has an active fraud alert and is frozen/locked. Access to my credit file requires verbal approval to protect my identity. Additionally, I have opted out of pre-approved promotional offers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my 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 explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, 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:
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 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX has been reporting XXXX XXXX XXXX XXXX on my credit report : I have not authorized this and the company has not confirmed that I owe them. Based on law this should not be on my report. I do not owe this company or authorized anything with them. Please have XXXX Remove this within 30 days or issue compensation. Based on 15 USC this should not be 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 non-monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX has been reporting XXXX XXXX XXXX XXXX on my credit report : I have not authorized this and the company has not confirmed that I owe them. Based on law this should not be on my report. I do not owe this company or authorized anything with them. Please have XXXX Remove this within 30 days or issue compensation. Based on 15 USC this should not be 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 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have been going in circles with Experian Credit Bureau when it comes to the negative in accurate information being reported. I have filed a identity theft report and sent a copy of it to Experian Credit Bureau per their request in an email i received. I also sent a copy of my id, social number, and a current bill. They keep asking for the same information that i have already sent them more then 3 times via certified mail that shows they received the documents. I am having to re-submit letters over and over and over again before anything is done and when they do open an investigation they are not investigating everything listed on the identity theft report. Which again causes me to have to re-submit letters again for the same things. They continue to report inaccurate addresses, different incorrect spellings and usage of my name, along with unauthorized inquires, and negative accounts.

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 2023-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
citi bank is redlining me. Period. 

This is the third time going to the site and doing this and that and will not open! 

upload my driver license they say they can not identify me ( they know me ) I tried to open there 21 month credit card offer and they will get back to me same thing they said the last time! They I thought maybe I can open checking and savings and again go spend time to fill it all out and that is when they said we can not identify me? There AI is not that 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 2023-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
I was scammed by cash app on XX/XX/2023. I had {$370.00} that I wanted to cash out and send to my checking account but there was a fee involved over {$6.00} so I called the number listed on the app site-XXXX to see if fee could be waived since I waited the 2 day period to be able to use the instant payment option that didnt include a fee. I spoke with a person who identified himself as a cash app service representative who assured me that I shouldnt have to pay a fee if only I updated my cash app account which was lacking my email address. I updated my email address and then was led through a series of motions including sending money to XXXX of my contacts. The person didnt say they were dollar amounts but numbers to verify my checking account so my money could be sent directly to my checking account. I did this 3 times with different amounts totaling {$500.00}. I only had {$300.00} in my checking account at the time so once these amounts were cleared and returned to me I was then instructed to open an app Called - XXXX XXXX  and the representative instructed me to send the money to another pserson who I didnt know and I voiced my concern telling him I didnt want to do this and I was told it was ok so I did it then noticed that my balance on my cash app was now $ XXXX contacted cash app support at a different number from XXXX not number on XXXX because it no longer worked, and an investigation was done but determined that since I authorized the transaction no error was found and my case was closed. My money wasnt refunded and the amount in my checking account was also taken leaving me with no Money but a - {$190.00} balance. I feel cash app is allowing these scammers to rob their customers because the number I initially called came from their app! Once the transaction was completed the call was cut off and when I tried to call back it came to a XXXX number and my fee phone carrier came up. I am on XXXX and could not afford this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
XXXX XXXX XXXX has bought this account without consent from the consumer, it has been deleted from other credit accounts and i have disputed this on several ocassions, they keep updating the account as if it new to be able to hold on to the debt, this has been written off and now bought to collect from a third party which is illegal. the date on this collection is now XXXX XXXX :15 USC 1681 Section 602 State I have the right to privacy 15 USC 1681 Section 604 A Section 2 it states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose

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 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In 2022, my BOA checking account was fraud due to BOAs lack of management. I had to freeze this checking account and open another one. It took my a lot of efforts to update all my other automatic payments to this new checking account. Somehow my BOA credit card automatic payment was not updated with the new checking account. 

BOA did not contact me or call me regarding this issue. They closed my credit card which I had with them for 20 years, by over due {$13.00}. I think this is not a proper way of treating a loyal client who is with you over 20 years. I will appreciate someone contact to alert me.

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 2023-08-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I have been an account holder with TD Bank/Target card services for over 1 year. They offer a service to pay your bill over the phone. I utilized the phone payment service in XXXX, and noticed that the payment had not been deducted within 1-2 business days, which was weird. I called them immediately and confirmed that my account and routing number was correct. A few more days I noticed the payment had not been deducted. I was told it would be deducted that Friday. However, the next day I received a notice from them regarding a returned payment that NEVER hit my bank account. I was sent to collections. I was told that I had to pay the entire amount before I anyone would discuss the oversight. I made the payment and have been calling several times. I was told that my account would be reaged and the late payment would be removed. To date, Target card services has done the contrary. Every time, I call theres a different excuse as to why they havent made the correction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
All bills paid charges were falsely made moved from XXXX XXXXXXXX XXXX Reported on 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 explanation