vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-25 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To whom it may concern, The reason that I am writing this letter is that the BOA denied my dispute. I bought a ticket on XX/XX/22. After almost 10 days, I tried to call the agency, however, there was not any customer service even mentioned on the website that 24 hrs. I also sent several emails, but I received only auto reply email. I called my Bank to ask dispute. After almost 2 months without any notices, BOA recharged me for this ticket. I called BOA 3 times to let them know that there was not any customer service for that agency, but the rep told my I have to call agency and if I disagree for the result of dispute, called court to follow the case!!! I asked for appeal and Rep told me that there is not any this facility. I sent several emails but all responses are auto reply and I also tried several times to call customer service, but unable to connect it. On website, this agency has full information, however they do not have any customer support. On the other hand, my XXXX returned and I have some treatment and my doctor recommended me not to travel till I am better. I am unable to connect to customer service, because there is not have any human there. In this case, how can I talk to them even the websites are perfect. I am really disappointed. Please help me. 
Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: TX

Complaint narrative:
Hello. I contacted Seed Fi to inform them my hours have been reduced at work and I am facing a possible XXXX with the XXXX XXXX XXXX. I have to start getting my affairs in order if I am XXXX. I have asked four times for a payment modification to assist me during this time so my security clearance is not put at risk due to late payments. My payment record is perfect, I just need assistance for a short period of time, but Seed Fi says no over and over even when I disclose I am a service member. I need to reduce my payments from {$200.00} per month to maximum {$100.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: TexCap Financial, LLC
State: FL

Complaint narrative:
Account opened with TexCap Financial , LLC on XXXX XXXX XXXX, and credit loan never applied to my report. Called them in XX/XX/XXXX, they assured me at the end of XX/XX/XXXX it would be sent to major credit bureaus. We are now at the end of XX/XX/XXXX and still nothing reported. Called XX/XX/XXXX and they said it was reported at the end of XXXX, which it is not. Please help resolve this issue. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: FL

Complaint narrative:
I have submitted a wriiten letter requesting on XX/XX/2022 to remove this item off of my credit report. XXXX XXXX loan and to no avail. It has been well over 30 days and there is no response.

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 2022-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: VA

Complaint narrative:
I found out I am a victim of identity theft, I contacted the company but they have yet to fix this fraud that has hurt me. Please see attachments. My ssn and dob are XXXX and XX/XX/1995.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: EQUIFAX, 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. 
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, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: 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. 
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 XXXXXXXX, XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-04-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.

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 2022-04-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.

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 2022-04-25 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: MI

Complaint narrative:
In accordance to with the Fair Credit Reporting Act, the follow companies have violated my rights : XXXX XXXX XXXX Account Account # XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX, XXXX 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 2022-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OK

Complaint narrative:
I have a checking account with Chime bank. On XX/XX/22, between XXXX XXXX I noticed XXXX unauthorized charges on my account at a XXXX XXXX gas station in XXXX, XXXX. The charges were as follows : {$120.00} at XXXX for diesel fuel, {$86.00} at XXXX XXXX for premium fuel, and {$120.00} for diesel fuel. I called Chime to dispute the charges immediately, using their 24/7 call center. I was told they would launch an investigation into the disputed charges. They informed me it could take up to 90 days to complete the investigation but discretionary funds ( totaled in the amount being disputed ) may be issued after 30 days if the investigation was not completed. 

Less than 24 hours later I received an email from Chime stating they had concluded their investigation and determined no error had occurred. When I challenged their ruling, they said I could submit supporting documents to rebut their decision. So I went to the XXXX in question to speak to XXXX XXXX. and obtained the XXXX receipts for these fraudulent charges. The XXXX  showed me a screen shot of the security footage to see if I recognized the people using my card info and I did not. I then went to the XXXX police department and filed a police report. I then forwarded the XXXX receipts and the police officers business card with the case number written on it to Chime as supporting documents on XX/XX/22. One day later, on XX/XX/22, they emailed me stating that my documents are insufficient and they stand by their original decision, then they closed the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Money was fraudulently withdrawn from my Bank of America checking account using the online service XXXX. This happened on XX/XX/2021. XXXX fraudulent withdraws happened that day for a total amount of {$3300.00}. 

That happened around XXXX XXXX that XX/XX/XXXX. I noticed that my phone lost all service for about 30 min. Just after I got my phone service back, I also received an email alert saying I successfully sent money twice through XXXX. 
I immediately called my bank to raise the issue. They froze the account right the way, which prevented third attempt from the same hacker. 
I filled a claim. But bank of America refused to refund my money, stating that the money was regularly transferred using a One Time Code Sent to my phone. This is not true since I did not have the One-Time code set for my account at that time. 
When I contacted my phone service, they confirmed that suspicious activities happened on my phone account on that day and around that time and they provided me with my phone records that show intrusive device using my phone number on that day. 
Despite those evidence I forwarded to Bank of America ; the bank still concluded they will not refund my money. 
I applied all security measured the bank recommended, and still XXXX subsequent hacking happened on my account, for what I called the bank who intervened to stop fraudulent money withdraw. I eventually decided to close my account with the bank. 
I attached to this claim : - My phone records on that date - Bank of America resolution letter XXXX Bank of America Supporting documents.

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 2022-04-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: AZ

Complaint narrative:
This was not sent in error XXXX XXXX XXXX  consumer by law at XXXX XXXX XXXX XXXX XXXX  misused at XXXX  I have some false at not 100 % accurate XXXX XXXX XXXX Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
This was not sent in error XXXX XXXX XXXX consumer by law at XXXX XXXX XXXX XXXX XXXX misused at XXXX I have some false at not 100 % accurate XXXX XXXX XXXX. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.

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 2022-04-25 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 item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/2021 -XXXX XX/XX/2021 -XXXX XXXX XX/XX/2021 -XXXX XXXX  XX/XX/2021 -XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 NEGATIVE ACCOUNTS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-25 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 -XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 -XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 NEGATIVE ACCOUNTS 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There is an internal block on my credit file. I have called every week to resolve this issue for 2 years. They are not trying to solve this problem. I have sent certified documents of identification to this company. They were signed for by the company on XX/XX/2022. The agent said that they have 5 days process from the back office. Its been 20 days and the agent today ( XX/XX/2022 ), says that there is documents updated to my file. Supervisor XXXX said there was an internal block on XX/XX/2022. The agent today XX/XX/2022 says there is no block. Agent stated that lenders or anyone trying to access my file has to use the number XXXX for the suffix in my name. We have tried this and it does not work. Please help me fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: NJ

Complaint narrative:
There is a XXXX XXXX Bankruptcy from XX/XX/2018 reporting on my Credit report which is fraud ; because I have an letter from the United states Bankruptcy Court stating that they do not provide information regarding case filings or disposition to the credit reporting agencies. Also the United States Bankruptcy court states in the letter that it does not have a relationship with the credit reporting agencies. Also you can contact the United states bankruptcy court at ( XXXX ) XXXX. The United States Bankruptcy Court 's information is in the letter that i provided. 


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 acount 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 2022-04-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXXXX/XX/XXXX -XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX NEGATIVE ACCOUNTS : -XXXX  XXXX XXXX -T ED/XXXX XXXXXXXX -DPT ED/XXXX XXXXXXXX -DPT ED/XXXX XXXXXXXX -DPT ED/XXXX XXXXXXXX -DPT ED/XXXX  XXXX -DPT ED/XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
Citizens Bank is attempting to collect a debt that is not mine. It is for a security system at an address that I do not own, rent. or have any interest. I have lived in my home for 43 years. I have never had dealings with Citizens Bank/ Received notice of collection from XXXX XXXX on XX/XX/XXXX regarding debt to Citizens Bank in the Amount of XXXX. Research revealed that Citizens Bank financed a security system for a home at XXXX XXXX XXXXXXXX XXXX, TX XXXX on XX/XX/XXXX. Citizens bank REF # XXXX A security system was installed by XXXX XXXX, Acct XXXX XXXX I have never lived/ nor rented or had any connection with Citizens Bank, XXXX XXXX or the address at XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX has duplicated my old debts on all of credit reports changed the amount by a dollar. So it looks like I owe double for each account in collections. Original creditor AND collection company both on my credit reports killing my score. XXXX and XXXX both have done this punishing me for example a XXXX debt now I owe XXXX companies which Experian Said is two different companies for two different amounts-and dates! Original creditor needs to delete it off of my credit when they sell it to a collection agency. I have been dealing with this for years every single account!!!! Costing me XXXX in points, money and debt to income ratio. How much longer do I have to suffer???????

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