vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-09 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: AL

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.

The letters are stated with items and issues.

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 2023-08-09 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: AL

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.

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/23, I opened a checking account with Citizens Bank. 
On XX/XX/23, someone withdrew {$500.00} from my checking account from the ATM. At that time, I still had not received the debit card. Someone stole my mail with the debit card and the PIN number which they used to activate the debit card. When the withdrawal transaction occurred, I received a fraud alert notification from Citizens bank and I responded that this was fraud. I spoke to the bank rep and a claim was created. Citizens bank then mailed me a new debit card. 
On XX/XX/23, I received a letter from Citizens bank that based on their investigation, fraud did not occur and they will not credit my account {$500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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. Account Name XXXX XXXX XXXX XXXX XXXX  credit card and Grow XXXX XXXX # XXXX Auto Loan. 15 U.S.C 1681 section 602A 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 and 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 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a 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 2023-08-09 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. Account Name XXXX XXXX  XXXX # XXXX credit card and XXXX XXXX XXXXXXXX # XXXX Auto Loan. 15 U.S.C 1681 section 602A 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 and 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 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a 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 2023-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
So, I sent {$500.00} via CashApp months ago to another user in order to purchase a camera that was being sold through XXXX XXXX. Before sending the money, I verified all the information I received from this person. Everything matched so I felt secure in sending the money. I did and, a week later, I found myself without the camera I purchased so I reached out to CashApp Support. They told me that I had to go through my bank which I did. After a month or so, I was told by XXXX XXXX that they couldnt credit me my {$500.00} because CashApp fought them tooth and nail not to even though the card that was used to make the purchase was indeed my personal debit card. I reached back out to CashApp to find out why and all that was said is that theyll agree to fully cooperate with my bank which made no sense at all. XXXX XXXX had already closed my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
.Legal Procedure for Disputed Information under 15 U.S. Code 1681i, CFPB Guidelines, and Consumer Protection Laws : Alleged Non-Compliance by XXXX and Trans Union XXXX legal landscape surrounding disputed credit information, collection practices, and charge-offs is multifaceted, encompassing federal statutes, regulatory guidelines set by the Consumer Financial Protection Bureau XXXX CFPB XXXX, and consumer protection laws. The recent allegations of non-compliance by XXXX and Trans Union in relation to these laws have cast a spotlight on the intricate interplay of these regulations. 

Section 1681i of Title 15 of the United States Code outlines the mandatory steps for addressing disputed credit information. Simultaneously, the CFPB enforces regulations aimed at safeguarding consumers ' rights and ensuring fair credit reporting practices. The alleged actions of XXXX and Trans Union, if verified, could potentially run afoul of these legal requirements, compromising consumers ' trust and rights. 

It has been asserted that XXXX XXXX not be upholding its obligations with the necessary diligence, potentially infringing upon provisions set forth under the Fair Credit Reporting Act ( FCRA ). Moreover, the purported refusal by these credit reporting agencies to acknowledge disputes submitted by individuals might contravene the FCRA 's intent of addressing consumer concerns. 

The following account details, along with corresponding account numbers, have been implicated in these disputes : Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX : XXXX Account number : XXXX Account XXXX : XXXX XXXX XXXX XXXX Account number : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Amidst these allegations, it is imperative that individuals facing credit inaccuracies, collection actions, or charge-offs familiarize themselves with their rights as outlined in various consumer protection laws. By seeking legal counsel, individuals can ascertain the veracity of these claims and explore potential legal avenues for remediation. 

In light of the comprehensive legal framework in place, it is essential that XXXX, Trans Union, and all entities involved in credit reporting adhere to their obligations. Upholding the FCRA, CFPB guidelines, and broader consumer protection laws ensures not only the accuracy of credit information but also the protection of consumers ' financial well-being and rights.

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 2023-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was just made aware that my bank, Bank of America, was ordered by CFPB to pay customers in Florida for systematically double-dipping on fees etc. my account. I have had an checking, savings, credit card and loan accounts with Bank of XXXX for over 20 years. 
According to recent document " customers don't need to take action to receive a payment as the burden is on the bank to either put funds back in consumer accounts or send a check. 

I have NOT received any funds back from Bank of America. 

HELP

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 2023-08-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2023 I received a notification from Experian I has a new inquire for a personal consumer loan request on my credit report. I do not bank with XXXX nor do I have a business relationship with XXXX. I also, did not authorize a personal loan with XXXX. 
I called and requested an investigation. They opened a ticket and had me over the phone, fill out some basic information and gave me a ticket number. I did not hear back for 2-3 weeks until I followed up. I then received a contact person who was willing to work with me on the investigation and advised me to send in a certified mailer letter requesting a investigation and stating that I did not authorize the personal loan. I completed this step and on XX/XX/2023 XXXX sent me a letter back stating the investigation was completed and that the information provided was accurate and they reported the credit agencies even though my letter I sent to them certified clearly describes the inquire as fraud and was performed without my consent. My request to perform a removal of the fraudulent application/load was ignored. This same inquire appeared relatively in the same time period with XXXX and XXXX XXXX as well, also ignored. We are working to get those removed, too. they're also fraud and were performed without my consent.

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 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: AK

Complaint narrative:
My XXXX XXXX card handled by syncrony bank has a good cash back program- this is the second time in less than 2 mo that my rewards havent been accurate and actually have been altered- the compakhy tells me its a computer issue - currently they say I have over XXXX in rewards and Im showing XXXX. This is an ongoing issue and XXXX does not help-

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 2023-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
In reference to Citizens - When the balloon rider mortgage matured in 2021, we were sent the paperwork for a modification. I submitted the paperwork XXXX separate times - once by mail, twice by certified mail, and once through their online solutions center ( I have the certified mail receipts and photos of the documents submitted online ). Every time we tried to follow up we got the same reply- we don't have your paperwork or we can't find your paperwork. I would have no problem continuing to pay the mortgage and would have, but now I can not access the online system any more. Every time I try to search my loan number it says " not found ''. I have received a letter stating that all future questions should go to their attorney, but nothing has been filed for foreclosure yet. They also sent a letter showing that there are now {$6200.00} worth of past payments and fees due. I would happily pay that if they would add it to the loan amount and spread it out over time. I don't have enough for a lump sum payment right now. I am a XXXX XXXX living on one income and I have done so for the past XXXX years. My main mortgage has always been up to date and this one was too, until it matured and I couldn't submit payments any more. I can not afford to live anywhere else. Anything available to rent is double my current mortgage and I could never afford that on my own. I have been a XXXX for XXXX years and have worked in my current position for XXXX years. I have stable income and a secure job ( I am tenured ), but get paid monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I timely made a payment to Bank of America Credit Card Services on XX/XX/2023 in the amount of {$3200.00} ( which was more than the total amount of the outstanding charges, in effect i was paying ahead on charges that had yet to be posted ) using a teller 's check that I purchased from XXXX XXXX XXXX XXXX ( my bank here in XXXXXXXX XXXX ). Bank of America acknowledged receiving my payment by email to me dated XX/XX/2023. 
On XX/XX/2023 I received a letter from Bank of America saying that the check was returned for " Insufficient Funds ''. Puzzled, I went to my XXXX XXXX to inquire how its teller 's check could have been not honored. I learned that Bank of America had not presented the check for payment. When I called Bank of America to inform its officers of this fact they insisted that I prove to them that I had sufficient funds in my account at the time I purchased the teller 's check which I did. 
Today I received a letter from Bank of America saying the check was returned due to " Unable to Locate Account ''. Again, I went to XXXX to inquire about this and again I was advised that Bank of America has never yet presented my check for payment. 
All of this is documented in correspondence I will present to you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: EQUIFAX, INC.
State: FL

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.

has violated my rights. Or 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 non-monetary relief
Consumer complaint received 2023-08-10 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: TX

Complaint narrative:
In accordance to the fair credit report act XXXX account number : XXXX, XXXX XXXX account number : XXXX XXXX, XXXX XXXX  account number : XXXX XXXX XXXX XXXX XXXX account number : deptedXXXX, XXXX XXXX  account number : deptedXXXX XXXXXXXX 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 my account without my written Instruction.

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 2023-08-10 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: TX

Complaint narrative:
In accordance to the fair credit report act XXXX  account number : XXXX, XXXX XXXX account number : XXXX XXXX  XXXX XXXX  account number : XXXX XXXX XXXX XXXX XXXX  account number : deptedXXXX, XXXX XXXX account number : deptedXXXX  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 my account without my written Instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violate 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 2023-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: EGL US, LLC
State: LA

Complaint narrative:
BMG MONEY REFUSE TO UPDATE MY CREDIT REPORT I BEEN MAKING PAYMENT ON TIME AND THEY WILL NOT UPDATE. I STARTED WITH THIS COMPANY ON XXXX XXXX NOW 4 MONTH LATER I M STILL OLD THEM XXXX. SO THEY ARE TAKING MY ALLOTMENT XXXX BUT NOT APPLY TO CREDIT REPORTING AGENCY. I PULL THESE DUCUMENT FROM THERE WEBSITE WHERE THE PAYMENT ARE APPLY ON THERE WEBSITE BUT NOT TO THE CREDIT REPORT AGENCY. MY BALANCE WENT UP XXXX DOLLARS LIKE I M NOT MAKING PAYMENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I had two credit cards with XXXX. Both cards were charged off by XXXX in XX/XX/2017. I have requested a 1099-G for both cards multiple times from XXXX and they have refused to provide the form for the charged-off accounts. XXXX also continues to report this account as delinquent every month since the charge-off even though the account was closed on XX/XX/2017. I have requested XXXX fix this multiple times, and they have refused.

Company response to consumer: Closed with non-monetary relief