vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-06 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: CA

Complaint narrative:
In accordance with the fair credit report act. The list of accounts below has violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 
Account : XXXX XXXX XXXX XXXX # off account XXXX amount {$6700.00} date opened XX/XX/XXXX Account : XXXX XXXX XXXX # of account XXXX amount {$5200.00} date opened XX/XX/XXXX Account : XXXX XXXX # of account XXXX date opened XX/XX/XXXX 15 U.S.C 681 section 602 A states I have the right to privacy 15 U.S.C 681 section 604 A section 2 it states a customer reporting agency can not furnish an account without my written instructions.

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

15 U.S.C 681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a customer to any customer reporting agency if the person knows or has responsible cause to believe that this 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 2023-02-06 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: CA

Complaint narrative:
In accordance with the fair credit report act. The list of accounts below has violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 
Account : XXXX XXXX XXXX XXXX # off account XXXX amount {$6700.00} date opened XX/XX/XXXX Account : XXXX XXXX XXXX # of account XXXX amount {$5200.00} date opened XX/XX/XXXX Account : XXXX XXXX # of account XXXX date opened XX/XX/XXXX 15 U.S.C 681 section 602 A states I have the right to privacy 15 U.S.C 681 section 604 A section 2 it states a customer reporting agency can not furnish an account without my written instructions.

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

15 U.S.C 681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a customer to any customer reporting agency if the person knows or has responsible cause to believe that this 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 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My credit card had two fraud transactions on XX/XX/XXXX in the amount of {$31.00}, the only transaction ending in # XXXX was on XX/XX/XXXX in the amount of {$25.00}. The transaction was on XX/XX/XXXX in the amount of $ {$450.00}. the card number is # XXXX. I did not use this card since XXXX and I didn't recognize these two transactions. I received the email about the cred card statement indicating the total amount of {$480.00} on XX/XX/XXXX. I went to the bank of America branch bank located at XXXX XXXX XXXX XXXX, NY XXXX XXXX and the bank receptionist provided XXXX to call. I called that number after I stepped out of the bank and it was XXXX XXXX and the representative told me they would need 7-10 days ' investigation. I received a mail after that and it showed the bank '' we're unable to approve your recent claim ''. I called the bank to report the card lost on XX/XX/XXXX because I couldn't find my credit card ending in # XXXX. 

I called Bank of America 's credit card fraud department on XX/XX/XXXX for a second investigation and they want me to wait 7-10 days for the result ; however, I have never received an email or mail of the investigation result. I called them on XX/XX/XXXX regarding the same issue and I was told the second investigation was denied, the representative told me if I don't make the payment amount of {$480.00}, that would affect my credit. My response was " those two transactions were not made by me and I didn't authorize any of these two transactions '' I repeat the same thing over two times ; however, the representative was very rude. I went to the branch bank on XXXX XXXX for the same issue again but the issue still wasn't been resolved. 
XX/XX/XXXX I went to the local precinct to file a report ; however, I was told that I couldn't file a report unless bank of America requested. 
XX/XX/XXXX I went to the store XXXX XXXX on XXXX XXXX XXXX XXXX, NY XXXX for the on XX/XX/XXXX in the amount of {$31.00}. the store manager told me they couldn't find that transaction. I went to XXXX 's for the transaction on XX/XX/XXXX for the amount of $ {$450.00}. On XX/XX/XXXX I called XXXX 's at XXXX and I found out this transaction was made by store purchase. Bank of America didn't investigate these two transactions.

During these two transaction times, I was working so I wouldn't make these two purchases. I have been making many phone calls and trying to resolve this issue but the bank wasn't helping at all. For all these times I have been doing wasn't getting any help at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no XXXX  party involved.Please review the uploaded letters.

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
XX/XX/2023 Went to PNC Bank to withdraw funds from their ATM. I requested the XXXX inside give me larger bills than the {$20.00} bills I withdrew. I stood in line for several minutes while the one XXXX who finally waited on me, in spite of not having any Customers when I walked up to the counter. Even with that, she made me wait an unreasonable amount of time to be helped, asking for my debit card just to exchange the funds. I had just withdrawn money from the ATM machine in the building. I had my receipt in hand and yet she insisted on seeing my debit card. Even though she asked for my debit card, she did not ask for my driver 's license or ID. After giving her my debit card, she stayed in my account on the computer screen for at least XXXX minutes. There was no reason for this employee to be in my account looking around just to make an even money transaction. I asked her what she was looking for and she did not answer. Verification of an account does not take that long. With that, she proceeded to give me {$10.00} bills when I specifically asked her to for larger bills. As a result of this employee giving me so may small bills, I accidentally overpaid the workers I needed to pay. Had she given me 4 {$50.00} bills like I asked her to ; the chances of that error would have been greatly reduced. I was very uncomfortable with this employee accessing my account for that long since my Social Security number is so readily available in my account. In addition to this action, this bank always wants to access my account even if I walk in for something as minor as a checkbook register. I have gone to other banks for a check register, and they hand them out without question. PNC bank always want to upsell you on a credit card or some other promotional item.be hassled and have to sit in a banker 's office while they go into your account just to obtain a " free '' check register. Additionally, my, mailbox has constantly been overrun with offers for a credit card since the day I opened my account. In addition to that, last week I received one of many unsolicited calls from a banker at my local branch. He said it was not important on voicemail. I did not return the call because I knew it was just another sales pitch. I have never done business with a bank of this low caliber, and I will be researching to find another due to the unusual practices of PNC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am writing to express my disappointment with the recent limitation of my PayPal account. On XXXX XXXX, I received an email from PayPal stating that my account has been limited and that I can not access certain features, such as sending and receiving payments. I was not given a clear explanation of why my account was limited, and I have been unable to use PayPal for my personal and business transactions since then. 
I have been a responsible and trustworthy user of PayPal for several years, and I have never violated any of the policies or guidelines set forth by the company. I have always used PayPal for legitimate transactions, such as online purchases and payments for goods and services. I have also followed all of the security measures recommended by PayPal to keep my account safe and secure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I submitted a complaint for the account on my report for the amount of {$5500.00} from XXXX XXXX they are reporting information on my report that is inaccurate, the date of XX/XX/2017 is not correct! It was resolved previously by removing the avoiding but then placed back on my report. Please immediately remove this account from my report in accordance with the fcra!

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no XXXX  party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
BOA Claim # XXXX I received a call from Bank of America XXXX My caller ID showed it was Bank of America and showed the companies logo and moving banner promoting ATMs and the tel # for BOA. When I answered I was told it was the fraud department and someone was trying to take approximately {$700.00} out of my account. This person knew my name and I did not give them my account information ( account # ) and they did not ask for it. They sent me a text with a code and asked me to provided the code # to verify my identity. I gave them the code. ( This is what Bank of America did also when I called the fraud department. ) They then asked me to verify additional codes to initiate refunds back to my account. Apparently the money was being taken from my account using XXXX. On my phone it said the transcations were going to " REFUND ACCOUNT '' After doing this several times they put me on hold and never came back. I then called the fraud department who told me they recognized the fraud and stopped some of the transactions. Apparently the person committing the fraud was the person claiming to be from Bank of America. When I called the fraud department they had already stopped some of the transactions because they recognized it as fraud. The scammers took {$500.00}. I told them exactly what happened ( which they later used against me to deny my claim ) It is important to mention here that I did not give them my account information so how would anyone outside of the bank know where to take the money from in a XXXX transaction? And why did my caller ID say it was Bank of America? In subsequent conversations with the fraud department I was told that about 300 other people had been taken by the same scam so they felt confident they would solve the issue. They also said they were able to see where the money went to ( the telephone and email address of the recipient ) They froze my account and I opened a new. Now they have denied my claim for the following reason : - Our investigation found that the transaction was confirmed valid by you via ( SMS/MMS ) text message response or speaking directly with XXXX XXXX XXXX XXXX 
- We based our decision on our records and the information you provided when you contacted us about your account. 
I would like to add that I have had my checking account at BOA for 20 YEARS. They are basically saying I did all this myself and admitted it! They need to prove that. I suspect it was an employee of BOA and they are liable and at fault for allowing the funds to be released. How could anyone except BOA know the account information and access it for a XXXX transaction? I will not accept the denial.

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit System has made inaccurate report to my credit file. I asked that they immediately remove this from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
The store that owns the credit card is closed and filed bankruptcy. XXXX XXXX credit card was taken off of my credit report. It is now being reported negatively with incorrect dates. I am getting phone calls from unknown numbers, XXXX numbers, XXXX numbers and or any other number. They are calling repeatedly back to back despite being asked not to call. The calls start as early as XXXX XXXX  and are sometimes back to back different numbers or every hour for several hours.

Company response to consumer: Closed with non-monetary relief