vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-11 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: IL

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 XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, XXXX # XXXX, Account name : XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX, Account name : XXXX # 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 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
Consumer complaint received 2023-01-11 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: EQUIFAX, INC.
State: IL

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 XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, XXXX # XXXX, Account name : XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX, Account name : XXXX # 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 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 explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
I use to have a mortgage with this company, but they were completely paid off in XXXX. They keep reporting to my XXXX, XXXX, and XXXX credit report as an open account even though it is an closed & paid in full account. They are ruining XXXX XXXX and I have talked to credit and this servicer with no type of resolution. At this point, they are blantly and with intent to ruin my credit and will not report to all three credit bureus that his account is closed as of XXXX. Also, they are reporting each month to my credit report as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: NCB Management Services Inc.
State: FL

Complaint narrative:
15 U.S. CODE 6801. PROTECTION OF NONPUBLIC PERSONAL INFORMATION.I have NEVER GAVE NCB XXXX XXXX EXPRESSED WRITEN PERMISSION TO COLLECT AND SHARE MY DATA, AND UNDER FALSE PRETENSES. DUE TO THE INFRINGEMENT AND BREACH OF MY RIGHT OT PRIVACY AND TO BE SAFE WITHIN MY PAPERS ACCORINDING TOTHE FOURTH AMENDMENT. THERE IS NO PERMISSIBLE PURPOSE PURSUANT TO 15 USC 1681, MY NON PUBLIC PERSONAL INFORMATION IS NOT TO BE SHARED BY XXXX ALSO AS A THRID PARTY AFFILIATE. ANY INFORMATION OBTAINED AND WITHOUT MY AUTHORIZATION MUST BE DELETED OR BLOCKED. THE OBLIGATION HAS BE RELIEVED. CEASE AND DESIST ALL MEANS OF COLLECTIONS OF A DEBT. THE SELLING OF MY DATA FROM NCB MANAGEMENT TO XXXX IS AGGREGATED ID THEFT OVERALL. ANY INFO REPORTING FROM NCB IS TO BLOCKED AND REMOVED PURSUANT TO FCRA, FDCPA AND FEDERAL LAW STATES HEREIN.15 U.S. Code 1681c2 - Block of information resulting from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: FL

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

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : 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 602 A Section 2 : It also 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 : any other adverse item of information, other than records of convictions of crime 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 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 2023-01-11 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: EQUIFAX, INC.
State: FL

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

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : 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 602 A Section 2 : It also 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 : any other adverse item of information, other than records of convictions of crime 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXXXXXX 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 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
XXXX XXXX XXXX and the address XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX are both a result of Identity Theft. XXXX had a data breach, and someone with access to my personal information is using it to make transactions that are damaging my credit. I have no idea what or who this may be. I have attached proof of a data breachfromXXXX.

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 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
I wrote a check on our small business account with California Bank and Trust in the amount of {$8400.00} on XX/XX/2021. The check was stolen from the XXXX mailbox and a false payee, " XXXX XXXX '' was added to the payee line. We learned later that XXXX XXXX cashed this check. The theft was reported to California Bank & Trust, the local XXXX XXXX XXXX XXXX Department and the XXXX. We have repeatedly asked Cal Bank & Trust to restore the stolen money to our account, but they repeatedly answer that it is up to XXXX XXXX to reimburse this money. Since California Bank & Trust is ultimately responsible for the integrity of our checking account, we believe that Cal Bank should replace this money in our account immediately, whether or not they collect from 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 monetary relief
Consumer complaint received 2023-01-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I made a payment to my card on XX/XX/XXXX. I got a notice that the company reported me 30 days past due. When I checked my account online it showed the payment made on XX/XX/XXXX and on the same day showed a returned payment. Only one payment was made and it is impossible for it to be returned the same day. This would indicate that the company has not submitted the payment for processing. I called my bank and they indicated that the payment had not been submitted or returned. 

I tried to call the card company and their phone system disconnected each time. I called 8 times on XX/XX/XXXX to dispute with the company and no matter what choice I made the call would disconnect. I also tried to contact them through their chat function and also received no response. This company is fraudulently reporting incorrect information without the ability to reach anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I transferred {$500.00} from XXXX Bank of America XXXX XXXX ( XXXX payment ) account on BOA app to my XXXX XXXX XXXX XXXX account XXXX XXXXXXXX XXXX  ), which was never received. I put a claim in with both Bank of America and my XXXX XXXX XXXX XXXX. The XXXX XXXX XXXXXXXX XXXX stated they never received the transfer and that they needed a trace transfer ID number that Bank of America was never able to provide me. The claim was denied twice by Bank of America stating that the transaction was completed with no additional information stated. I spoke to over XXXX representatives over XXXX hours of time invested since XX/XX/XXXX, and still was not able to get an answer. This was not a point-of-sale or a ATM withdrawal. This was a bank to bank transfer. It has been almost a month and they still have not resolve this issue. I even sent them a copy of my bank statement to prove the money was not deposited. The last XXXX was on XX/XX/23. 

Therefore, Im filing a complain PS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  which is why I answered yet to the below question.

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 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX, I received a 2 wire transfers {$19000.00} & {$24000.00} in my Wells Fargo Bank. Both were accepted and cleared the bank, I was out of town where I live and had to go to another Well Fargo Bank in XXXX XXXX, my previous branch where I lived had assisted me in the past with no issues. 
However after the bank completed my wire transfer of the funds form, the supervisor decided she needed to interrogate me as if I was a criminal and advised had to decide if they wanted to forward my wire transfer and would get back to me. 
I received a call they no longer wanted me as a client and they put a hold on my accounts., Since the above date I have received 4 letters indicating they were continuing the date of closure of my account from XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX now to XX/XX/XXXX. 
Upon contacting them they advised in stage 4 and check should be sent or they would make a decision if any money would be returned. 
Wells Fargo will not complete the closure of my account as they are awaiting the request from the sending bank to return the funds sent via wire transfers, Why?. So that continues the dilemma and they continue to hold all my money,. 
Which is creating financial hardship. I have two accounts they are holding one not involved with any of the wire transfers why should it be involved??

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 2023-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have look through my credit report and notice a lot of identity theft and fraud on my credit report I have sent letters certified mail ask each of them to validate all of these keep sending me receipts and they need to collect a debit which is not the original creditors the original creditors is sharing my info with alot of debt XXXX without my permissible purpose. I even got a return to sender mail back to me which is inaccurate information reporting also. So yes alot of debt XXXX are doing illegal activities.

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 2023-01-11 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: GA

Complaint narrative:
I have look through my credit report and notice a lot of identity theft and fraud on my credit report I have sent letters certified mail ask each of them to validate all of these keep sending me receipts and they need to collect a debit which is not the original creditors the original creditors is sharing my info with alot of debt XXXX without my permissible purpose. I even got a return to sender mail back to me which is inaccurate information reporting also. So yes alot of debt XXXX are doing illegal activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
XXXX XXXX XXXX and the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX are both a result of Identity Theft. XXXX had a data breach, and someone with access to my personal information is using it to make transactions that are damaging my credit. I have no idea what or who this may be. I have attached proof of a data breachfromXXXX.

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 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX and the address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are both a result of Identity Theft. XXXX had a data breach, and someone with access to my personal information is using it to make transactions that are damaging my credit. I have no idea what or who this may be. I have attached proof of a data breachfromXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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:
XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/2022 Date that I discovered it : Total fraudulent amount : {$51000.00} XXXX XXXX Account Number : XXXXXXXXXXXXXXXX Date fraud began : XX/XX/2022 Date that I discovered it : Total fraudulent amount : {$500.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WSFS FINANCIAL CORPORATION
State: TX

Complaint narrative:
SINCE WSFS BANK IS THE BANK BEHIND XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX  DEPOSIT ACCOUNTS, this complaint is directed towards this bank for not supervising the regulatory requirements that goes with XXXXXXXX XXXX license especially when UNAUTHORIZED TRANSACTIONS HAVE BEEN PROMPTLY REPORTED. A police report has been made to XXXX XXXX of the XXXX POLICE DEPARTMENT ; Report XXXX To dateXXXX XXXXXXXX XXXX  intentionally REFUSES to post an available credit totaling {$2900.00} which is the total amount of XXXX direct deposits made into the account on XX/XX/2023 and XX/XX/2023, respectively. On XX/XX/2023, XXXX supposedly issued provisional credits but HAVE NOT MADE THESE CREDITS AVAILABLE FOR USE which has caused insurmountable financial losses since i have not been able to pay any bill and due to this, i have beeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs ; an adverse reaction to the benefits advertised by XXXX XXXX XXXX XXXX 's promotional advertisements claim of helping to " build credit ''.- on the contrary, they have destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
| was charged on XX/XX/22 in the amount of {$430.00} for XXXX charges that I did not authorize. I was not notified of the charges made until XX/XX/22,. At such time, | contacted XXXX and Chase Bank. XXXX advised me to reach out to my bank while the investigation was underway. XXXX indefinitely suspended my account and advised me to remove my bank information and to change my login information. This is due to the fact that XXXX found fraudulent activity on the account. My email that was linked to the account was different and that's how they knew it was fraudulent. Chase bank temporarily refunded me until XXXX concluded their investigation. Both XXXX and the bank provided written documentation stating that the charges made were fraudulent. 
However, the merchant ( XXXX allegedly provided information to the bank that stated the charges were legitimate and the bank removed the temporary credit and charged me back for in the amount of {$430.00}. After contacting the bank, was notified that there was nothing else that the bank can do and that XXXX had to supply me a direct refund. After reaching out to XXXX once again on XX/XX/22, I was told that a refund can not be issued due to the suspension on my account. I was also told to receive said retund, I had to reach out via email to the original email that stated the activity was fraudulent in the first place. I replied to the email on XXXX separate occasions and have not received a response to date. Email was sent to XXXX Sincerely, XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: OH

Complaint narrative:
I am oblivious to this balance on my credit report, it must be another person 's name or information merged with mine. I sent the collection agency a formal letter Ability Recovery Services LLC, XXXX XXXX XXXXXXXX XXXX, Pa XXXX on XX/XX/2022 in regard to this matter but have not received a response. I also call 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 2023-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation