vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-05 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: IN

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. 

XXXX XXXX XXXX : XXXX, XXXX XXXXXXXX : XXXX, XXXX  XXXX : XXXX, XXXX : XXXX XXXX XXXX : XXXX XXXX, Experian XXXX and XXXX has failed to provide any proof of verification of disputed accounts. 

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. States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information, and other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These information are errors on my credit report and it's defaming my character and causing me financial hard, delete immediately. 

My real name is XXXX XXXX XXXX XXXX Delete These names. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My address is XXXXXXXX XXXX XXXX XXXX  XXXX, GA XXXX Delete these Addresses. 
XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Kindly find attached my social security card and passport to proof identity.

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 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: IN

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 under 15 USC 1681 accounts 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 has violated my rights 15 USC1681section602A states I have the right to privacy 15 USC 1681section604A section2 It also states a consumer reporting agency can not furnish a account without my written instructions 15USC 1681c ( a ) ( b ) 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 15USC 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 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX RE : Updating Personal info Certified Mail Receipt # XXXX Dear TransUnion, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to 30 days to meet my requirements if I do not receive any updates from you during, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 
Please delete the following inaccurate names : XXXX Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX University XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX By reporting these inaccuracies, you are in violation of XXXX XXXX XXXX ( A ) ( XXXX ) ; for a consumer reporting agency may furniture consumer report under the following circumstance and no other ; In accordance with the written instructions to the consumer to whom it relates. TransUnion has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instruction to do so. These actions have caused my family and I a great deal of injury. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you're recording under XXXX XXXX XXXX sec. XXXX. 

I have enclosed copies of my state issued identification and a bank state to validate my identity. 

Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved

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 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX RE : Updating Personal info Certified Mail Receipt # XXXX Dear Experian, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to 30 days to meet my requirements if I do not receive any updates from you during, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 
Please delete the following inaccurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following inaccurate addresses : 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 XXXXXXXX Please delete the following inaccurate phone numbers : XXXX XXXX Please delete the following inaccurate employers : XXXX XXXX  By reporting these inaccuracies, you are in violation of 15 USC 1681B ( A ) ( 2 ) ; for a consumer reporting agency may furniture consumer report under the following circumstance and no other ; In accordance with the written instructions to the consumer to whom it relates. Experian has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instruction to do so. These actions have caused my family and I a great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you're recording under FACTA Title 1 sec. 151. 

I have enclosed copies of my state issued identification and a bank state to validate my identity. 

Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved

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 2023-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
We felt the interest rate was too high and they was taking advantage of use due to the time of XXXX pandemic. My credit was not as bad as they lead me to believe. The week after I made my first car note. I receive offers for cheater rates.

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 2023-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On Sunday, XX/XX/XXXX, I mailed a check in the amount of {$3900.00} as a payment for my local taxes. I included a Parcel Number on the check. Since it was Sunday I mailed it in the blue box outside the XXXX XXXX, PA post office. On XX/XX/XXXX, XXXX I received a letter from the XXXX XXXX. Tax collector, XXXX XXXX, informing me that my taxes had not been paid and I now owed the taxes and {$450.00} in penalties. 
I looked online at my checks and found that the PNC check XXXX had been altered, made payable to one " XXXX XXXX ' '' It was an obvious forgery. PNC cashed the check. 
On XX/XX/XXXX I visited the XXXX XXXX branch of PNC bank at XXXX XXXX XXXX, XXXX XXXX, PA XXXX, phone XXXX. Two of the bank employees took my information, made copies of my duplicate check and the forged check and assured me that money would be returned to me at some point in the future and that I would be informed regularly as to the progress of the " investigation. 
I do not know why I would be part of any " investigation. '' PNC took my money and gave it to a thief. I never heard anything from PNC. I called the Fraud Dept. in XXXX and they had nothing to report. On XX/XX/XXXX I visited the branch and they verified that nothing had been done so far. 
{$3900.00} is a lot of money and with the penalties I had to pay {$4400.00}. I have had to struggle over the last two months to pay my bill. I am not rich. I am a XXXX XXXX XXXX. PNC did not take care of my money. If PNC has to investigate their own ineptness ( a good idea ) they should do it on their own time. I think it is another crime for PNC to keep my money and give it back to me when they feel like it. They have plenty of money right now and I want my money right now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These information are errors on my credit report and it's defaming my character and causing me financial hard, delete immediately. 

My real name is XXXX XXXX XXXX XXXX Delete These names. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Delete these Addresses. 
XXXXXXXX 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 XXXXXXXX Kindly find attached my social security card and passport to proof identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These information are errors on my credit report and it's defaming my character and causing me financial hard, delete immediately. 

My real name is XXXX XXXX XXXX XXXX Delete These names. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX My address is XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Delete these Addresses. 
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  Kindly find attached my social security card and passport to proof identity.

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 2023-02-05 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: DISCOVER BANK
State: MA

Complaint narrative:
I am victim of idenity Fraud and someone stole about {$100000.00} from one of my secure account in XXXX XXXX being not used for any purpose after opening it. Bank tried to recover money from all banks after sending fraud recovery request. All banks returned the money except one, Discover Bank. When I notified about illegal or unauthorized activity to Discover bank, they recognized, and their investigation concluded that account was not opened by me using my SSN, address and Name. They also sent me letter confirming their investigation. However, when XXXX XXXX  sent fraud recovery request to Discover Bank, they have responded back in contrary to their investigation, stating that the transfer was legitimate and denying the request. This is fraudulent. When I am contacting XXXX XXXX they are asking me to contact Discover Bank and ask for money. When I am contacting Discover Bank they are not willing to talk with me as stating account is not opened by me and so they would not talk to me. After repeating the try, I was able to talk to the fraud department of the Discover Bank, they said, they have completed their investigation and I should be contacting my bank ( XXXX bank ). Basically both banks are bouncing me back and forth. It seems Discover is playing to avoid returning money taken from my XXXX account. I need to resolve this and need help resolving this issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello 53 bank, I tried to contact with claims department several times trough the phone, but after long wait nobody answered. 
So Im writting this claim to open a merchant dispute for 4 transactions made with my debit card ending in XXXX. 
XXXX ) Posted on XX/XX/XXXX for an amount of XXXX, it was an XXXX XXXX XXXX XXXX XXXX ) Posted on XX/XX/XXXX for an amount of XXXX, it was an XXXX XXXX XXXX XXXX XXXX ) Posted on XX/XX/XXXX for an amount of XXXX, it was an XXXX XXXX XXXX XXXX XXXX ) Posted on XX/XX/XXXX for an amount of XXXX, it was an XXXX XXXX XXXX XXXX the expected delivery date was on XX/XX/XXXX, but the seller never provided a tracking number. I tried to contact them many times but nobody answered, starting XXXX XX/XX/XXXX by email and phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file an extensive complaint against Bank of America for their unacceptable handling of a dispute regarding a debt of {$3600.00} XXXX strongly believe that Bank of America has violated my consumer rights by frivolously claiming the debt to be valid without proper investigation and accuracy. 

I am extremely disappointed with the way Bank of America has handled my dispute. During the initial investigation, I was not given the opportunity to provide my side of the story and deny the information that was presented to them. To make matters worse, Bank of America never even asked if my mobile device was stolen or if any other Apple products connected to my icloud account, which also receive messages including texts, were stolen. This is concerning as my iPhone is not the only device that receives text messages. 

As a consumer, I have the right to expect that my financial institution will investigate disputes in a fair and impartial manner. Bank of America has failed to exercise their grave responsibility to ensure the accuracy of information and investigate my dispute with fairness and impartiality. Their actions have caused me immense stress and financial hardship, and I demand that they rectify this situation immediately. 

I respectfully request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take necessary actions to hold Bank of America accountable for their actions. Additionally, I respectfully request that Bank of America be instructed to reopen my claim ID # XXXX and investigate my dispute with the fairness and impartiality that it deserves. 

I HAVE PROVIDED DOCUMENTATION AND PROOF FROM MY ICLOUD ACCOUNT THAT THE DEVICE WAS STOLEN AND ERASED FROM MY ICLOUD ACCOUNT TO PREVENT FURTHER IDENTITY THEFT AND FRAUDULENT AND UNAUTHORIZED TRANSACTIONS. PDF ALSO SHOWS EMAIL ASSOCIATED WITH BANK OF AMERICA AND ICLOUD ACCOUNT TO PROVE THAT THE DEVICE DID BELONG TO ME. 

Thank you for your time and consideration.

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 2023-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
I am a natural person. I have rights under 15 USC 1681 Convergent Outsourcing is govern by 15 USC 1681 and they violated my rights. I demand the accounts below be removed immediately According to 15 USC 1681 I have the right to privacy and I did not give Convergence Outsourcing written permission to furnish these accounts. Moreover items were reported fraudulently and inaccurately and in accordance. With the Fair Credit Reporting Act, all items must be 100 % accurate when reporting and accounts reported are not 100 % therefore I demand for All accounts get deleted immediately Convergence Outsourcing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX {$2700.00} Biggest violation is convergence outsourcing committed was I dont live or work or done any business XXXX XXXX and according to FDCPA this is a major Violation I dont have any contracts with Convergence Outsourcing and I never signed or authorized anything with Convergence Outsourcing I demand Convergence Outsourcing to delete this from all credit files 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 2023-02-05 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX, XXXX, 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 a account without my written instructions.

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 2023-02-05 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: NC

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX RE : Updating Personal info Certified Mail Receipt # XXXX Dear TransUnion, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to 30 days to meet my requirements if I do not receive any updates from you during, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 
Please delete the following inaccurate names : XXXX Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX By reporting these inaccuracies, you are in violation of 15 USC 1681B ( A ) ( 2 ) ; for a consumer reporting agency may furniture consumer report under the following circumstance and no other ; In accordance with the written instructions to the consumer to whom it relates. TransUnion has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instruction to do so. These actions have caused my family and I a great deal of injury. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you're recording under FACTA Title 1 sec. 151. 

I have enclosed copies of my state issued identification and a bank state to validate my identity. 

Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved

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