vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX checking account was compromised. Opened new account and ordered checks. Upon arrival of checks, I paided bills. Checks were not honored by the bank and indicated I did not have sufficient funds for payment. 

The bank FAILED to transfer funds from compromised account to the new account. The time period from opening the new account to writing NEW checks exceeded 10 days. 

Since XX/XX/XXXX I have requested a letter from the bank to the creditors and myself indicating that THEY, THE BANK, did not transfer funds from the compromised account to the new account they suggested I open. 
The bank has refused to admit their failure to transfering the funds, or that they had any involvement in this process. 
Any communication that I have received from the bank, has never addressed the issue regarding transfering of funds. 
The local branch has a problem with giving me District or Regional Management contact information so I can forward my complaint. 
The bank must admit failure to transfer funds, and provide me with documentation to my creditors, Credit Bureau and myself, explaining these returned checks. 
After 45 days I believe it is time for BANK of AMERICA to address my concern. 
( If a B of A payment was 45 days late, I am sure there would be communication!! )

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

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 2024-03-19 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: VA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. MXXXX XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, and Account Name : XXXX Account Number : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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:
I trust this message thinks that you are well. I'm writing to communicate my anxiety and present a protest to EQUIFAX with respect to the ill-advised utilization of my credit report and the revealing of incorrect data on my record. I recently sent a letter to your office mentioning an examination concerning specific mysterious records. 
Regardless of your affirmation of leading a legitimate examination, after checking on my credit report, I found that erroneous data endures. The disparities incorporate however are not restricted to, the date opened, date of last action, date revealed, account status, and installment history. It is dampening to take note of that such errors keep on being reflected in my credit report, notwithstanding the underlying solicitation for examination. I trust what is happening encroaches upon my privileges as framed in 15 U.S.C 1681 section 602 A, which underlines my right to protection.

Moreover, 15 U.S.C 1681 section 604 A Section 2 specifies that a shopper detailing organization can't outfit a record without my composed guidelines. I compassionately demand an exhaustive survey of my case and the brief revision of the errors in my credit report. Your participation in settling this matter is profoundly valued. That's what I believe, as a legitimate credit revealing office, EQUIFAX will do whatever it takes to correct this present circumstance and guarantee the exactness of the data in my credit record. I have attached the FTC report with the report number XXXX to support this complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I opened an account with SoFi on XX/XX/2024. I received a deposit of XXXX from my employer. I then attempted to link a friend 's account to transfer funds. Shortly after this, my SoFi account was frozen, and I was informed by the internal review team that my funds would be frozen for an undetermined amount of time. I spoke to the internal team and they were extremely rude and refused to let me speak to a manager and provided no additional support.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: OH

Complaint narrative:
There are fraudulent inquires on my EQUIFAX credit report, Ive attached all documents as well as 609 letter. Ive also filed ftc report as well. Please remove fraudulent inquires below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Subject : Dispute of Incorrect Birthdate on Credit Report Dear XXXX XXXX I am writing to dispute the accuracy of my personal information as it appears on my credit report. Upon reviewing my credit report, I noticed that my year of birth is incorrect. The correct birthdate is XX/XX/XXXX. However, your records indicate a different year of birth. 

Below are the details of the incorrect information : Incorrect Birthdate : XX/XX/XXXX Correct Birthdate : XX/XX/XXXX Enclosed with this letter are copies of documents verifying my correct birthdate, including my driver 's license and birth certificate. 

Please provide me with written confirmation once the necessary corrections have been made to my credit report. Additionally, I request that you notify any third parties who may have received my credit report with the inaccurate information.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XXXX XXXX I received from my bank, TD Bank, a letter stating Enclosed is the information you requested. On the back side of the letter was a copy of another TD business customers cashed check. I took this letter to my local bank to inquire why I received the correspondence. After many phone calls from the bank to other bank employees I was told it appeared it was an error. I had been at this bank 10 days prior in order to obtain a copy of one of my cashed checks. Due to the current state of affairs with rampant fraud, scams etc I asked for the letter that was mailed to me be returned. They advised it was against their policy to return the document. I advised that this letter was delivered to me via the US Postal service and it was therefore my property. They refused to return it. If a copy of my cashed check was shared with another customer I now have no documentation/information in which to prove any type of fraud should it now occur with my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have several auto inquires on my report that I did not consent to The only and last inquiry that is authorized is XXXX XXXX XXXX. 
All others did not have my written 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 2024-03-19 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: NY

Complaint narrative:
I haven't applied for of given written permission to the bureaus to furnish this information. This is a violation of 15 USC 1681b. By reporting theseThey are reporting unauthorized fraudulent information willfully. This is theft of identity. In accordance to 15 USC 1681c-1 and 15 USC 1681 c-2 these need to be deleted and blocked. see attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I haven't applied for of given written permission to the bureaus to furnish this information. This is a violation of 15 USC 1681b. By reporting theseThey are reporting unauthorized fraudulent information willfully. This is theft of identity. In accordance to 15 USC 1681c-1 and 15 USC 1681 c-2 these need to be deleted and blocked. see attachments

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 2024-03-19 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax is a consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agency Equifax do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " 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 2024-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am formally challenging any wrong or undocumented data found in my credit report, counting unconfirmed claims. Beneath the FCRA and the acknowledged STANDARD of metro 2 information field announcing, I challenge the reportability of these unconfirmed charges. Government and state laws require precise and total announcing, denying the consideration of known or should-be-known illegal claims. If it's not too much trouble guarantee the exactness and rightness of all your claims, as ordered by the Metro 2 announcing standard. I compassionate ask you to supply irrefutable physical prove to bolster the presence and reasonable utilization of the account. On the off chance that such prove is missing, I anticipate the expulsion of the account from the report. I authorize you to send me physical documentation of your activities and an overhauled credit report for my records. 


Listed below are the Accounts that are being challenged XXXX - XXXX {$0.00} XXXX - XXXX {$0.00} XXXX - XXXX {$0.00} XXXX XXXX - XXXX {$0.00}

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 2024-03-19 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: VA

Complaint narrative:
I am formally challenging any wrong or undocumented data found in my credit report, counting unconfirmed claims. Beneath the FCRA and the acknowledged STANDARD of metro 2 information field announcing, I challenge the reportability of these unconfirmed charges. Government and state laws require precise and total announcing, denying the consideration of known or should-be-known illegal claims. If it's not too much trouble guarantee the exactness and rightness of all your claims, as ordered by the Metro 2 announcing standard. I compassionate ask you to supply irrefutable physical prove to bolster the presence and reasonable utilization of the account. On the off chance that such prove is missing, I anticipate the expulsion of the account from the report. I authorize you to send me physical documentation of your activities and an overhauled credit report for my records. 


Listed below are the Accounts that are being challenged XXXX - XXXX {$0.00} XXXX - XXXX {$0.00} XXXX - XXXX {$0.00} XXXX XXXX - XXXX {$0.00}

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 2024-03-19 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: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - Account Number : 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 2024-03-19 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: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
I have been contacting Bridgecrest about a loan that has appeared on my credit report. I have sent in documentation about this account not belonging to me. My account was hacked and information was breached which caused a loan to be opened in my name. I have filed an Identity Theft report and also sent it in the CEO and customer service several times. I was told that it would be removed off my credit report within 30 days and it is still there. I asked for all documentation from this company to see who obtained the loan. While analyzing the loan, there were no physical signatures on the application. There was a breach in the contract under the truth-in lending law which was also addressed. A fake drivers license was provided and an incorrect address was also provided from this company. I have mailed in certified receipts with signature returns requested. It is now going on XXXX  years and this same car is on my credit which has now gone into a repossession. This account has been illegally been reporting on my credit since XXXX. Bridgecrest has intentionally ignored my requests and has not been in communication with me every since they told me that it would be off my credit in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
I received a letter from XXXX XXXX XXXX on XX/XX/2024 stating they were collecting a debt from Check into Cash. They stated that they would be filing a civil judgement including wage garnishment and/or lein against personal property or bank account, subpoena my husband and father, file a hard inquiry to credit bureaus. I contacted Check into Cash who stated I did not have any outstanding loans and nothing had been sent to a collections agency. They checked my name, social and maiden name under their business as well as their sister business Cash Central. There were not any loans that were actively being paid on, nothing pending and nothing that had an outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: 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 Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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 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