vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Dear Sir/ Madam, We sincerely appreciate you taking the time to address the difficult situation we are facing. This issue has troubled us for over a year without resolution. 
XX/XX/year>, I transferred {$8000.00} from XXXX XXXX XXXX  to my friend XXXX XXXX XXXX 's Bank of America account. Due to XXXX XXXX negligence, she provided the wrong account numberWrong Account Number : XXXX, ABA : XXXX. However, I correctly provided the recipient 's name as XXXX XXXX XXXX. The transfer showed that the funds were successfully credited on XX/XX/year>. Despite the discrepancy between the account holder 's name and the account number, the transaction was still processed. This is clearly non-compliant, as under normal circumstances, the bank should not process a transfer when the name and account number do not match. Both XXXX XXXX XXXX  and Bank of America allowed this incorrect transaction to go through. 
After XXXX XXXX and I discovered the issue, we each contacted our respective banks. I filed two REG. E Claims through XXXX XXXX XXXX  in XXXX and XX/XX/year>, requesting that Bank of America recall the funds. However, both requests were denied by Bank of America. XXXX XXXX also made several phone calls and had in-person meetings with Bank of America XXXX The staff admitted that the funds are held by Bank of America, but they refused to return them, providing no justification for their refusal. XXXX XXXX XXXX  claims that the responsibility lies with Bank of America and has shirked responsibility, leaving the customer to deal with the matter. 
However, the indifference and lack of action by Bank of America to protect the customer 's rights is unacceptable. Banks are merely custodians of people 's money and should not be entitled to keep it. The United States is a country with a well-established legal system, and such things should not happen. 
We respectfully request that regulatory authorities investigate the situation and help us recover our rightful funds.

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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : I made the payment on time, as supported by the attached bank statements showing that the payment was processed well before the due date. 
Account Closed : The account was closed at my request, and no additional charges or late payments should have been reported after the closure date. I have attached documentation confirming this account closure. 
Incorrect Date Reported : The date of the alleged late payment does not match the account 's payment history or my bank records, which show timely payments. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : I made the payment on time, as supported by the attached bank statements showing that the payment was processed well before the due date. 
Account Closed : The account was closed at my request, and no additional charges or late payments should have been reported after the closure date. I have attached documentation confirming this account closure. 
Incorrect Date Reported : The date of the alleged late payment does not match the account 's payment history or my bank records, which show timely payments. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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:
Name : XXXX XXXX XXXX of Birth : XX/XX/XXXX XXXX  : XXXX Address : XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX  XXXX TransUnion, XXXX XXXX XXXX XXXX : XX/XX/XXXX URGENT MATTER I intend to challenge a dispute with an FTC report for XXXX items listed below as Fraudulent. Please remove all from my credit report. 
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. 
Items listed above have 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 XXXX : 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 XXXX years. 
15 U.S.C. 1681s-2 ( AN ( 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. 
Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remove Fraudulent Account listed : XXXX XXXX  ( XXXX ) Opened : XX/XX/XXXX, Balance : {$2700.00}, Payment status : Collection Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX FCRA XXXX Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA XXXX XXXX XXXX XXXX. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within XXXX  days of receipt of this certified letter may result in a small claims action against your company.

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 2024-10-06 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:
Name : XXXX XXXX XXXX of Birth : XX/XX/XXXX SSN : XXXX Address : XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, Equifax XXXX XXXX XXXX : XX/XX/XXXX URGENT MATTER I intend to challenge a dispute with an FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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. 
Items listed above have 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 XXXX : 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 XXXX years. 
15 U.S.C. 1681s-2 ( AN ( 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. 
Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remove Fraudulent Account listed : XXXX XXXX ( XXXX ) Opened : XX/XX/XXXX, Balance : {$2700.00}, Payment status : Collection Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX FCRA XXXX Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA XXXX XXXX XXXX XXXX. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within XXXX  days of receipt of this certified letter may result in a small claims action against your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: NY

Complaint narrative:
I'm not entirely sure which category this fits into but when credit karma acquired mint they assured us that we would still be able to access our transactions. 

While I can access my transactions they have made it impossible to export any of my own financial data. I used to be able to do that from mint and had been relying on that feature from credit karma in order to my taxes. I see no reason why they should be able to access and analyze all of their users data but not afford us the luxury of reviewing and analyzing our own data?! It's extremely frustrating, searching reddit only to find dozens of threads with users expressing anger at the same issue. 

Credit karma even said during the transition " we've always believed that your data belongs to you so we've made it easy to download your transactions from XXXX. '' And then below that it says " Once you move your miny financial account data to credit karma you will not be able to export your financial data on credit karma '' How is that legal?!??! It's my data!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to Equifax XXXX a late payment reported by XXXX XXXX XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) and the Truth in Lending Act ( TILA ) ( XXXX XXXX Code XXXX ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the XXXX grace period : The payment for XXXX was made on time, which falls within the XXXX grace period provided by XXXX XXXX XXXX XXXX XXXX As such, this account should not have been reported as XXXX  days late. 
XXXX error by the creditor : My payment was processed late by XXXX XXXX XXXX XXXX XXXX XXXX, even though it was submitted on time. This clerical error on the part of the creditor caused the late payment to be erroneously reported. 
Evidence provided : I have attached bank statements and payment confirmation receipts showing that the payment was made, clearly demonstrating that the late payment was a result of a processing issue on the part of the creditor and not a failure to make the payment on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to Equifax XXXX a late payment reported by XXXXXXXX XXXX XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the XXXX grace period : The payment for XXXX was made on time, which falls within the XXXX grace period provided by XXXX XXXX XXXX XXXX XXXX As such, this account should not have been reported as XXXX  days late. 
XXXX error by the creditor : My payment was processed late by XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, even though it was submitted on time. This clerical error on the part of the creditor caused the late payment to be erroneously reported. 
Evidence provided : I have attached bank statements and payment confirmation receipts showing that the payment was made, clearly demonstrating that the late payment was a result of a processing issue on the part of the creditor and not a failure to make the payment on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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: Upstart Holdings, Inc.
State: GA

Complaint narrative:
I looked at my report on XX/XX/year>, and noticed some things are not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it should follow reasonable procedures to ensure the maximum possible accuracy of information concerning the individual to whom the report relates. These accounts { Upstart Network Inc }.

{ Upstart Network Inc } The balance is not reporting correctly, the open date is not correct, and the closed date is not correct. This account is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX, around the hours of XXXX XXXX  to XXXX XXXX, a hacker accessed my google chrome/gmail account and home network IPs to login to my XXXX account/data, leading to accessing my paypal account. My paypal account was not linked to XXXX, so they must have had passwords from other methods. 

After using my data to search through several websites, they found their way into the paypal system and withdrew {$5300.00} from my linked bank into a paypal account labeled, " XXXX XXXX '', for a " hospital bill ''. This transaction was denied by the bank, but paypal refused to reverse it and applied the negative balance to my paypal account. They are claiming, that because the IP # 's match, that it was a legitimate withdrawal on their end, and refuse to reverse the transaction. They are also claiming that this type of transaction is not covered by their buyer protection program. 

In this case, the fraud occurred twice. The first time, when the hacker was able to use my home network and access my linked accounts, leading to a withdrawal of {$5300.00}. The XXXX fraud occurred, when the bank rejected the transaction, and then paypal reapplied the transaction into my personal paypal balance.

Paypal refuses to find out where that money/withdrawal went, and is holding my account responsible. They are not providing me detailed information regarding this specific transaction. The only information I have is that what I described above. 

Within XXXX hours of the {$5300.00} withdrawal, there were other, small value Fraud transactions below {$100.00}, which, when reported with the original fraud, paypal reversed it within XXXX minutes. For whatever reason, they refuse to acknowledge that the {$5300.00} withdrawal was fraud as well, and reversing this transaction.

Company response to consumer: Closed with explanation