vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/1967 I purchased a Certificate of Deposit for {$10000.00} from XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, with an interest rate of XXXX % per year, automatically renewable. I discovered that XXXXXXXX XXXX  was acquired by Bank of America. When I took the CD to BoA to cash it in, I was told that there is no record of it. I contacted BoA main office and received a letter from them stating in summary that they don't have a record of it and to check with the state XXXX XXXX XXXX. I did check with them and they don't have a record of my money being sent to them. I have been passed around to various federal government agencies with no resolution to the problem, such as FDIC, OCC, and OFR.

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 2024-03-29 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: TX

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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: TX

Complaint narrative:
Upon conducting a thorough investigation into my credit report, I discovered numerous unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported accurately. This negligence has caused severe emotional distress. 

Under the Fair Credit Reporting Act, it is imperative that all information on my credit report be reported with XXXX % accuracy. However, your agency 's failure to uphold this standard is unacceptable. 

I demand immediate action to rectify these errors and expect full compliance with federal regulations. Failure to do so will result in further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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: WA

Complaint narrative:
On XX/XX/XXXX I was the victim of identity theft. Fraudsters applied for XXXX and XXXX XXXX credit cards and the XXXX XXXX / XXXX inquiry was placed on my Equifax report. 

I contact XXXX XXXX XXXX XXXX and they declined the application as fraudulent. I additionally filed a report with XXXX and submitted this report to Equifax in an attempt to have the fraudulent inquiry removed. 

Equifax refused to process my dispute stating that " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY ''. 

Even with my XXXX report and XXXX XXXX XXXX XXXX being aware, they refuse to take action. I am now appealing to CFPB. I have attached a copy of the Equifax XXXX XXXX, The Identity Theft Report, and my passport.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
EQUIFAX Report # XXXX XXXX XXXX XXXX XXXX XXXX, is listing A Account with negative and derogatory information on my credit report, I am requesting the below listed account be deleted immediately! And removed from my credit report. And opt-out all together from reporting. 
Account ending in XXXX ACCORDING TO 15 USC 1666 and its entirety IT IS UNLAWFUL TO REPORT LATE PAYMENTS The Fair Credit Reporting Act or 15 USC 1681 section 602 states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Finally, 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Upon reviewing my credit report, I noticed that the listed accounts contain inaccuracies and appear to be fraudulent. I am displeased with this discovery and insist on the prompt removal of these inaccurate accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: MD

Complaint narrative:
XXXX XXXXXXXX XXXX {$1000.00} XXXX XXXXXXXX XXXX {$31000.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last XXXX of SSN- [ XXXX ] XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Regarding Experian s Violation of 15 U.S. Code 1681c-2 ; 15 U.S Code 1681b Complaint Regarding Experian Intentional and Malicious Violation of 15 U.S. Code 1681c-2 FTC Report # XXXX ; FTC File Number XXXX and Demand for Monetary Damages from Experian for Willful Violation of the FTC Act Federal Form XXXX XXXX will Commence Report Number XXXX VIOLATIONS - {$4000.00} Per 15 U.S. Code $ 1681c-2, a consumer reporting agency shall block the reporting of any information in a consumer 's file that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

It has been XXXX  days, and you are in
VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Experian File dated XX/XX/2024, are listed as accounts with Adverse Information. This, again, is INCORRECT Experian is accused of violating 15 U.S. Code 1681c-2, which states that a consumer reporting agency shall block the reporting of any information in a consumer 's file that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

Experian 's consumer reporting agency violated 15 U.S. Code 1681b by reporting information on the consumer 's report without written instruction from the consumer. This is stated in the document, where the consumer explicitly states that they never gave any consumer reporting agency written consent to report anything on their consumer report.

Under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I demand the deletion of the accounts listed immediately!

Best, By : SIGNATURE AUTHENTICATED Agent for XXXX XXXX Principal By Accommodations Without Recourse

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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Personal information is incorrect and needs to be updated.

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 2024-03-29 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:
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 Account Name Account Number 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 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 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 USC 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 2024-03-29 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: TX

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 2024-03-29 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: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
I have a Goldman Sachs Apple Credit card account. XXXX of my family members each have credit cards that are associated with my account. Each credit card number is different, but they are all linked to my account. 

On XX/XX/year>, fraudulent credit card transactions were attempted with the credit card number of a family member ( my son ). There were XXXX fraudulent attempts in total. Most of the transactions were flagged by Goldman Sachs as fraudulent ; however, XXXX were permitted. When I received an alert from Goldman Sachs of these attempts, I told Goldman Sachs that the charges were fraudulent. Goldman Sachs then closed my son 's credit card and issued him a new credit card under my account. 

The XXXX permitted charges were to Goldman Sachs 's affiliate, XXXX XXXX, and its XXXX XXXX, so I disputed those charges. 

The following month, Goldman Sachs rejected my credit card dispute, claiming that I made the XXXX XXXX charges. Goldman Sachs asserted that I purchased an XXXX from the XXXX online store and that the XXXX was shipped to me to a location in Florida. 

I do not live in Florida, and I did not order the XXXX. Further, the name of the purchaser was my name, but the credit card used was my son 's Apple Card credit card number. This should have caused a credit card mismatch, but Goldman Sachs allowed the transaction to process regardless. 

The XXXX  was also activated by someone other than me. XXXX XXXX knows who this person is. This person attempted to purchase an XXXX XXXX XXXX phone plan with my son 's Apple card in my name ; however, XXXX XXXX XXXX reversed this fraudulent charge. Goldman Sachs refuses to acknowledge this as proof that the XXXX purchase was fraudulent as well. 

Goldman Sachs also claims that I accepted the XXXX XXXX XXXX  " Terms of Service '' when I purchased the XXXX, which they assert is proof that I purchased it. However, I did not accept the Terms of Service, because I didn't purchase the XXXX. Goldman Sachs has provided no proof that I accepted these terms ( an XXXX  address, phone recording, etc. ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-29 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: GA

Complaint narrative:
Back in XXXX of 2023, I tried to rent an apartment, but my application was rejected, and they told me that I have some issues with my credit report. I registered myself on the website called XXXX and I found out that I have multiple unrecognized accounts and inquiries. Because I didn't apply for anything in last few years, I should not have any inquiries or credit cards. Only credit cards that I have is from XXXX XXXX. But I saw XXXX fraud accounts from XXXX XXXX XXXX , and XXXX . I called creditors and credit bureaus about these fraud accounts. Creditors told me they will start investigation on their side, and meanwhile, I need to contact my credit bureaus to dispute these accounts on my side as well which I did. However, since XXXX of 2023, I submitted about XXXX dispute request letter with FTC report, I noticed these fraud accounts come back to my credit report after removal. Every time I request dispute case, I receive letters from creditors and credit bureaus saying that these accounts turn out to be factual or correct account. I called creditors to explain that I have never applied for these accounts and credit bureaus to request proper investigation, results were same : they are all correct information. I attached FTC report, my ID, my social security card, and utility bill to prove myself. I also requested these creditors to send me a copy of application and other documents someone submitted during the application process, but they said no because of privacy issue. If they believe that this is correct account, why don't they send me a copy of documents? I also asked credit bureaus to send me a proof they received from credit companies, but they just told me " I will receive a explanation letter in XXXX business days about my dispute case. '' The letter did not contain any proof except for just regular letter saying my dispute case has been closed and concluded that these are " factual '' accounts. Again, if they have strong proof that these are my accounts, why don't they send me a copy of documents? It's getting almost a year, and I did everything I can to solve my fraud issue by myself. I can't see how to solve this problem anymore. Please help me with protecting and fixing fraud errors in my credit reports. Every time I call credit card companies and credit bureaus, all I receive is just standard and regular letters saying " this is factual account, '' but I see no proof of documents attached. Obviously these credit bureaus are not doing their job correctly. As a credit bureaus, they should do their investigations carefully and make sure send me what creditors sent them, so I can see what information was stolen and I can take next step to remove fraudulent accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOHELA
State: KY

Complaint narrative:
Loan with : Mohela/Dept , of ED XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX # XXXX Beginning acct # XXXX ...... 
Account type : Educational Credit type : Installment Open since : XXXX XXXX Current Balance XXXX Highest Balance {$4800.00} Remaining term : XXXX  months I've never opened a student loan in my name. When I called for information, the customer service rep wanted to sell me insurance. they had no information about a student loan.

No one from Mohela/Dept. of ed has ever contacted me regarding this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX ( Acc # XXXX ), Account name : XXXX XXXX XXXX XXXX XXXX XXXX ( Acc # 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 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 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 explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After examining my credit report, I've observed inaccuracies and indications of fraudulent activity within the listed accounts. I am deeply dissatisfied with this finding and demand the immediate removal of these inaccurate 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 non-monetary relief
Consumer complaint received 2024-03-29 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express National Bank is the sponsor of the card who issued me the credit card ; however, since then they have sold my account to American Express XXXX XXXX XXXX XXXX XXXX, and then again to American Express Credit Account XXXX XXXX. When American Express National Bank transferred/sold the account to American Express XXXX XXXX XXXX , they no longer have the authorization to collect on my accounts.

When American Express National Bank transferred my account to American Express XXXX, they securitized that account, turned it into a book entry
security and began to trade my securities on the secondary market without my knowledge. They are supposed to send me the interest on that account each month, but they have failed to do so. I mailed American Express, XXXX different book entry securities ( aka statements ), stamped and endorsed for them to take the funds and credit my account and they failed to do so. I have attached the XXXX securities that they did not credit to my account or return them to me, which is a theft of my security. I have given American Express at least XXXX chances to make this right, but they have refused to contact me to rectify this situation. I also sent correspondence to the Legal Department in reference to this issue, attaching pages of the forensic audit showing their fraud, and no one ever called me back.

American Express has committed theft of my securities, as well as securities fraud as they are trading my security on the secondary market even though they state in their Prospectus dated XX/XX/2018 ( b ) Security Interest, that they will not the securities on the secondary market, showing the breach of contract with the SEC and the securities fraud, since they are not reporting those earnings to the SEC.

Company response to consumer: Closed with explanation