vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Once again Zelle is preventing our clients paying {$2500.00} or more to our XXXX XXXX, thus killing our business. Please investigate and advise. Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list of accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 U.S.C. 1681 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 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 2023-09-07 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: FL

Complaint narrative:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-09-07 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: FL

Complaint narrative:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
hello, each month bank of america charge me about {$60.00} on my credit card and XXXX XXXX  on my second credit card! 
i pay my bills before the due date! 
thanks

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 2023-09-06 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
These debt collector 's Pyold LLC and resurgent receivable LLC, have violated my rights. They have reported this alleged debt to my consumer report after i received the second letter in XX/XX/2022. I have put them 2 times on notice that this debt wasnt mine. They willfully and knowingly report false misleading information. 
It is a furnishers responsibility to report accurate information about a consumer. It is prohibited by law to report inaccurate information to the consumer reporting agencies about a consumer after receiving a notice that the information is wrong. Violation. 

You should know Im building my case if you fail to delete this debt. 
These debt collectors have harm my family Defamation of character Negligent non compliance Civil liability Mental anguish Enclosed I have put proof of my letter to the debt collectors Tracking number and Credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA

Complaint narrative:
After checking my consumer credit report from XXXX, I found a collections account from Professional Bureau of Collections with an account XXXX XXXX XXXXXXXX opened on XX/XX/22 with a balance of {$300.00}. I've never done business with Professional Bureau of Collections therefore, could not be liable for this debt. This alleged debt is not mine as I never entered into a signed agreement or completed an original contract with Professional Bureau of Collections. I never provided any written consent or permissible purpose for this alleged creditor Professional Bureau of Collections to report on my consumer report. I AM THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report. This is a violation of U.S. Code 1681b permissible purposes of consumer reports. Pursuant to 15 U.S. CODE 1681b ( a ) ( 2 ) - Permissible purpose, of consumer reports. ( A ) in general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I NEVER PROVIDED WRITTEN PERMISSION OR ANY CONSENT to pull my consumer report. This is a violation and also constitutes as identity theft - " 15 U.S. Code 1681c2 - Block of information resulting from identity theft. '' Furthermore, this company has been attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 U.S. Code 1692e that you are implementing yourself. 15 U.S. Code 1692e states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act... The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681 Account Name .... XXXX XXXX XXXX Account number... # XXXX XXXX XXXX .... # XXXX. XXXX XXXX # XXXX .... XXXX XXXX ... # XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX .. # XXXX XXXX XXXX bank .... # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. 
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 an account without my written instructions...

15 u.s.c. 1681 c. ( 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. 1681 S-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 non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I try to open account with bank they told me someone opened account in my name and I couldnt open account and I never banked with company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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:
Transunion, XXXX, XXXX continue to report the same account multiple times on my consumer report. Which is causing me harm. This is inaccurate reporting. There are several inconsistencies listed from each reporting agency and I have repeatedly asked for the account to be deleted. This means Transunion, XXXX, and XXXX continues to willfully violate federal which states they MUST report accurate information and validate any information that is believed to be inaccurate. This information has not been properly verified as the information is not consistent with each reporting agency which makes it impossible to validate as accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: AL

Complaint narrative:
I applied for the IDR repayment plan through studentaid.gov on XX/XX/23 and have yet to hear anything back from EDFinancial about whether or not my application has been received, even though on Studentaid.gov it says my application has been reviewed by them. I tried applying again on XX/XX/23 and again it says my application was reviewed by them but no changes have been made to my account, nor have I received any type of email communication from them. I tried calling the customer service line and got a wait time of 530 minutes. I then tried the online chat and was immediately told that the chat was available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Northern Trust Company, The
State: CA

Complaint narrative:
Problem 1 : I have XXXX of my money in the money market account and interest rate was 4.84 % but because it was XXXX I would only receive .25 %. When I called Friday XX/XX/01. I was told by the CSR that as soon as it becomes < XXXX .The difference would be credited > XXXXXXXX XXXX But When I called I was told they would not honor and some one call XXXX -last name unknown ( I was not given his last name or designation ) and that this person has the authority to make decisions. Inspite of repeated attempts my questions are not answered Problem 2 : They raised the interest rates and had an ad on the website of higher interest rates and I was on the lower rate for 2 months, before asking them via secure message only then did they give me the new rate : It is well documented and would be on the secure messages I sent them Both are classic examples of very deceptive business practices

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 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Cashier's check from a local credit union in XXXX AZ was deposited on the evening of XXXX XXXX via ATM at Bank of America in XXXX, AZ. The bank sent a notification via email stating funds would be available for withdrawal on XXXX XXXX XXXX XXXX XXXX XXXX.  The funds were not made available and after contacting Bank of America they stated funds would be available on XXXX XXXX XXXX  I asked why the notification would state XXXX XXXX and they advised it was a mistake.  The item in question is a cashier's check.  Funds have not been made available and no other notifications have been received.  The bank will not honor theirfunds availability notification we received.  Federal regulations state that cashier's check money should be made available to the depositor.  Regulation CC (12 CFR 229) implements two lawsthe Expedited Funds Availability Act (EFA Act), which was enacted in XXXX XXXX  and became effective in XXXX XXXX, and the Check Clearing for the 21st Century Act (Check
21), which was enacted in XXXX XXXX and became effective on XXXX XXXXXXXX XXXX. The regulation sets forth the requirements that depository institutions make funds deposited into transaction accounts available according to specified time
schedules and that they disclose their funds
availability policies to their customers. It also
establishes rules designed to speed the collection
and return of unpaid checks and describes requirements that affect banks that create or receive substitute checks, including requirements related
to consumer disclosures and expedited recredit
procedures.
Regulation CC contains four subparts. The first
three implement the EFA Act, and the fourth
implements Check 21. Specifically,
 Subpart ADefines terms and provides for
administrative enforcement
 Subpart BSpecifies availability schedules, or
time frames within which banks must make funds
available for withdrawal; also includes rules
concerning exceptions to the schedules, disclosure of funds availability policies, and payment of interest.

After speaking to multiple supervisors (XXXX XXXX XXXX XXXX and a few others, and pending close to three hours on the phone, the bank representatives 3 of which are supervisors could not provide an explanation as to the delay of funds and said nothing more could be done.  The funds would be available on XXXX XXXX.  I asked to speak to their legal counsel or compliance department and they said they did not have a department available to them and we were done with the call.

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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I presun that no proof of the alleged debt, nor therefore any such debt in fact therefor exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: SC

Complaint narrative:
I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they violated my rights numerous times.

I demand the accounts listed below be remove because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts on m credit report. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2023-09-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 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: IN

Complaint narrative:
I've notice late payments on my consumer report. to my knowledge ive made every payment on time. ive disputed these accounts numerous of times. 
they violated 15 u.s. code 6802 which states : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provide to the consumer a notice that complies with section 6803 of this title.

15 u.s. code 1666 correction billing errors : if a creditor within sixty days after having transmitted to an obligor a statement of the obligor 's account in connection with an extension of consumer credit receives at the address disclosed under section 1637b 10 of this title a written notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with disclosure required under section 1637 ( a ) ( 7 ) 15 u.s. code 1681b permissible purpose 15 u.s. code 1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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