vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I wrote a ( Bank of America ) check for {$20000.00} payable to the United States Treasury. 
On XX/XX/XXXX the check was fraudulently deposited by 2 fraudsters into a ( XXXX XXXX ) account. 
In late XX/XX/XXXX I received a letter form the IRS saying I owed nearly {$15000.00} in taxes with late fees, penalties, & interest. I was shocked because I believed I had paid them with the {$20000.00}. 
That is when I contacted Bank of America for a copy of the cashed {$20000.00} check. It could be seen on the back of the check that it was 2 fraudsters that did a direct deposit to XXXXXXXX XXXX 
I visited a XXXX XXXX and the Branch Manager looked it up and found that the fraudsters ' account was frozen and the money had not been disbursed. 
I contacted Bank of America and reported the incident and an investigation was opened. 
Another month has gone, it is now 8 months, and my {$20000.00} has still not been returned to me. 
XXXX XXXX has had my money for 8 months and I still had to pay the IRS, along with almost {$1000.00} in late fees, penalties, & interest. 
XXXXXXXX XXXX  never contacted Bank of America to alert them to this fraudulent transaction in an effort that I could have been contacted. 
XXXX XXXX won't speak with me because I am not an account holder. 
Bank of America has no information to offer. 
When can I expect to get my {$20000.00} back?

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 2024-06-01 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: LEXISNEXIS
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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: TX

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not the result of an error.

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 2024-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XX/XX/year> LVNV Funding LLC Dear Sir/Madam, I am writing in response to your recent attempts to collect on an alleged debt. A judgment was filed against me in Virginia before the statute of limitations expired. However, I have since relocated to New Jersey. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I understand that for your collection agency to legally pursue this debt, the judgment must be transferred to the state where I currently reside. 15 U.S. Code 1692i of the FDCPA states that a debt collector can not attempt to collect any amount unless it is expressly authorized by the agreement creating the debt or permitted by law. 

Therefore, I kindly request that you provide documentation showing that the judgment has been legally transferred to New Jersey. Until such documentation is provided, I must ask that you cease all collection activities related to this debt. 

Please be advised that I am aware of my rights under the FDCPA, and any violations will be reported to the appropriate authorities. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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 checked my credit report and I am upset about what I found out. There is a late payment remarked on it but I did not incur any late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Good Evening CFPB, My name is XXXX XXXX, and I am filing this complaint because this is the third time I have reported my identity theft, and no action has been taken. The credit bureau has not sent any mail responses to my disputes, nor have the involved companies. I feel my rights as a consumer are being violated. I am the victim in this situation and can not get proper help or responses from the credit reporting agencies. If no further action is taken, I will pursue legal action.

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 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Good Evening CFPB, My name is XXXX XXXX, and I am filing this complaint because this is the third time I have reported my identity theft, and no action has been taken. The credit bureau has not sent any mail responses to my disputes, nor have the involved companies. I feel my rights as a consumer are being violated. I am the victim in this situation and can not get proper help or responses from the credit reporting agencies. If no further action is taken, I will pursue legal action.

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 2024-06-01 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent information consists of a personal credit card account opened at XXXX XXXX on XX/XX/year>. This account has resulted in several fraudulent appearances on my consumer FICO credit report. I've attached a list of the inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. The aforementioned account and inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. The aforementioned account and inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity Theft Criminal Complaint number as proof from the US Federal Trade Commission that the aforementioned consumer credit account and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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:
After examining my credit report, I identified inaccurate accounts that were not the result of an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not the result of an error.

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 2024-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/year> I received a wire transfer from XXXX XXXX XXXX to CitiBank in the amount of {$51000.00}. Upon receiving the transfer, CitiBank closed my account claiming fraudulent activity. I asked where the money that was just transfered to my account would go. They told me that a 60 day process would happen and then I would find out. No customer service nor fraud team member gave me any help or information. They claimed to have sent a wire transfer of the money back to XXXX XXXX XXXX but that never happened and XXXX XXXX XXXX has nothing showing they received any monies from them. I can no longer access the bank account and all of that money has either been held or stolen from me. They have tried to claim to cfpb that I was not the owner of the account which I have provided pictures of emails and such that proves I was the owner of the account until they closed it. I have been fighting to get this money back for years and I am considering filing a major lawsuit.

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 2024-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I always made sure that I paid on time, why there is a mistake in my credit report?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My student loans were forgiven on XX/XX/year>, but Transunion still shows them as open debts.

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 2024-06-01 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: 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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 saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
Now Eastern is saying the amount is a typo amount of {$230.00} I was told this on a recorded line on XX/XX/XXXX from Easterns rep, also send me the original signed document from XXXX of the balance that needed to be paid by the insurance company at the time of service, in which the wrong code was provided by XXXX. Can Eastern provide the recorded phone conversation from XX/XX/XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: TX

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not the result of an error.

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 2024-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please deelete th misleading items, .. i attached the letters, my id, and proof of address, and the FTC REPORT. These items are misleading, not mine.. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 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: IL

Complaint narrative:
Please deelete th misleading items, .. i attached the letters, my id, and proof of address, and the FTC REPORT. These items are misleading, not mine.. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been disputing this account due to the inaccurate information being reported. 
I requested numerus time proof account was ever 30 days late. The company sent me statements TWICE, from months NOT BEING DISPUTED. proof enclosed. If statements cant be provided the account either NEEDS TO BE REMOVED from XXXX and TransUnion or be updated to PAID/NEVER late. they keep sending me statements for months is not dispute. Which is worthless in this matter. See attached response from company. Months in dispute are XX/XX/year> and XXXX XXXX never late.

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 2024-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I am distressed by the discovery of a late payment notation, despite not having any late payments.

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 2024-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
I invested money to XXXX XXXX XXXX  and XXXX  I was receiving e mails from Cedars Business services. That I owed money and they are a debt collector. XXXX is the name of representative from Cedars. She calls me almost everyday and I have received a lot of emails. I ignored them. I have been taking care of my credit score so good. My score from XXXX XXXX XXXXXXXX XXXX reached to excellent one time and it remains on very good most of the time. One time I was so surprised from XXXX it wet down to XXXX. I scrolled down why it happened and I saw this Cedars they reported me as derogatory record. She ruined my life. I am so devastated. Today my son asked me to apply as a co signor for his student loan. I wasnt approved because of what she did. When I talk to her I requested document that prove that I owed money from XXXX. She said they would send me within 7 days but I did not receive any. In our conversations she said my deposit didnt go through. I said if my deposit didnt go through they should just leave it alone. That means I wouldnt have an investment to them. I was innocent and didnt realize it was not deposited. Also why they have to fund it? Why they didnt email me that? Also I have the same amount with coinbase {$3000.00}. And my money there now is. {$3500.00} as of this date and time. It is XXXX. And my XXXX from {$500.00} is {$870.00} now. These was the same time I tried to deposit to XXXX too. I thought it was my money. When I learned that I contacted my bank to search my deposit to XXXX, m they didnt find any. But then It was not my fault. If they really funded me, which I didnt like to, the money should grow like in coinbase. I didnt borrow money from them. I was not aware and is this kind of scam? I asked XXXX how many innocent people happened like this am I into the only one she said, she said theres a few. And she also told me to pay it first and dispute. What kind of deal is that? I dont owe money and she wants me to pay? After the conversation and my request of documentation, she kept calling me non stop. She harassed me a lot. She ruin my life. I did hard to take care my credit score. And now I feel bad for my son. He was needing my help so bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MN

Complaint narrative:
XXXX has failed to remove collections accounts from credit reports after numerous attempts to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/year> I received a notification on my phone for a purchase of {$1500.00} on XXXX. I immediately contacted them and PayPal regarding an authorized charge. PayPal immediately denied my request and said it was because they saw no unauthorized logins to PayPal. I contacted XXXX and they responded that they agreed to the refund and unauthorized charges. They returned the digital product back to their site and said they completed my return and it would be 3-5 business days for the money to show up. I reached back out to PayPal to contest their denial explaining that the login was not on PayPal but on XXXX. I also stated that the reason needed to be changed because the company said they were processing the refund, but I had not yet received it. They then denied that request stating that the issue had been addressed correctly. If that were the case then I would have my money. XXXX just tells me to contact the financial institution. No one is assisting me to get my money back. And today passed the 5 business day mark that I was quoted.

Company response to consumer: Closed with monetary relief