vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX,, have 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 XXXX : 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 2022-08-07 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: CA

Complaint narrative:
Bank of America or Arizona DES or both need to be held accountable. My fiance and I were receiving benefits from AZDES and on XX/XX/2020 Bank of America seized back over $ XXXX of PUA benefits in total between my fiance and my accounts. We received multiple different stories and explainations, and promises of our money being credited back. Its " been 2 years and still tat money hasn't been returned to us. 

. Our regular UI benefits were exhausted in XX/XX/2020 right before Covid hit and that's what our XXXX account status showed. The AZDES instructed us to instead file PUA because that was the relief benefits available to people who exhaust their UI benefits. We later found that what they were supposed to have us do was wait for the new federal extension program to become available to file that and then continue to PUA. Although, the amount of benefits would have been exactly the same under either program. Why couldn't they simply allocate the accounts? 

The PUA department instructed us to contact the regular UI department and file a backdated regular UI claim or extension claim.. Neither department showed our money as being returned by Bank of America and they insisted that they ( AZDES ) doesn't take back benefits and instead would just issue overpayment bills. Since they had no record of receiving the money back, there was no way to collect for those claim periods which showed we were already paid. 

Eventually the benefits were exhausted and programs closed so we were never paid during this hardship and we were XXXX XXXX XXXX XXXX XXXX for a long time and really needed that money because we couldn't work. And most of the people whose accounts were frozen were in dire straits, being evicted, suffering illnesses, or XXXX XXXX XXXX 

The AZDES phone representatives were uninformed, understaffed, and half of them were just employed by temporary staffing agencies and knew nothing. They were sending us all over the place and no one ever got this resolved. And they even reported the income on our 1099s!

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 2022-08-07 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 Reporting act XXXX Accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX,, have 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 non-monetary relief
Consumer complaint received 2022-08-07 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 Reporting act XXXX  Accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX,, have 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2022 I made a police report and called to Bank of America because I saw XXXX big transacctions that I didn't recognized from my debit card Mastercard ending XXXX - Fraud claim XXXX : XXXX XXXX PURCHASE XXXX XXXX NY {$2.00} XXXX XXXX PURCHASE XXXX FL XXXX - Fraud claim XXXX XXXX XXXX XXXX XXXXXXXX PURCHASE XXXX {$2.00} INTERNATIONAL TRANSACTION FEE XXXXXXXX XXXX XXXX XXXXXXXX {$82.00} Bank of america after 7 days refused the claim and didn't refund the money, I made a police report about the situation I left copy of my passport to prove that I didn't make any travel in the last year and I also made a written affidavit, everything was sent to the bank by fax and they reopened the XXXX cases and about XXXX month later they refused again and didn't issue a refund. I have a lC3 complaint internet crime report too. I don't know who did it but clearly someone broke in and stoled my personal and banking data. 

Bank of America XXXX XXXX banking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia 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 2022-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have been having problems with Equifax for years now. I have had them have my report messed up and I called many times to try to get them to fix. XXXX thing was they were showing collection and saying the company came back and said I owed but never could say how they information was verified. I had bill from my card company too show the amount paid and to whom so there was no way information was verified. 

Now I admit having some credit trouble years ago but since then I have not missed a payment in going on XXXX XXXX years but my score with them has never moved from XXXX. I now own businesses and make whole lot more money than when I was XXXX XXXX. Got new cards, cars and loans paying all on time and yet my score never moved. I sent letters asking about the score and got nothing to tell me why. Then this second to last mail sent I sent them a copy of the credit card payment asking then how could they have verified information when I am sitting with proof. And then I asked why my score has not changed. Nothing back but looked like they removed the collection that was there for years even with me disputing it the whole time. So I sent a last letter about a medical bill that was from when I was XXXX XXXX. I told them cant be any bills from when I was XXXX because all medical was always covered 100 % by Tricare I have never paid a medical bill while I was XXXX in the military. And at the bottom I added what about my score. So today I look and see my information is showing score at XXXX ... .and shows no information connected for my current bills... This is just long list of bad reporting and that has cost me money in the long run or missed loans. They once had my fathers information on my report. I can prove that as well. They also have been getting {$5.00} a month for a very long time but I could not even access the information and complained yet they never refunded me and still pull money to this day. I had to buy a higher level to finally see my information so I am paying them XXXX and yes that can be proven too. The times I called can be back by my phone records and the letters can be backed by the XXXX offices cause I always send that way. 

This has been going on for years and every effort made has been met with no help on their side and yet they share bad information with companies I try to get credit extended from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: PA

Complaint narrative:
Equifax and XXXX, XXXX have violated my consumer rights with reporting fraud accounts on my credit report. I tried countlessly to report the issue with them but they keep send letters back in XXXX saying the accounts is verified. I sent letters back asking their method on verifying the account, i also ask to send me the original document stating how I owe these frivolous accounts. but no response. I would like these accounts deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2021 I sent {$300.00} to XXXX via XXXX Chase for a XXXX refund. I was told this could be sent back to my Chase account via XXXX and due to COVID was the quickest way to get my money. This was a scam ( details below ) and Chase bank refused to issue me a credit. 

I needed a refund for a XXXX order. This was during covid so there were no reps at XXXX online or no live human I could find. When I XXXX  XXXX VIP support, an XXXX number appeared and when I called it asking for a refund, I was told to first go get a gift card which I refused then was told if I send {$300.00} via XXXX to XXXX - I would get the complete credit back. details were sketchy and I should have known better, but it was a XXXX XXXX phone number I found on XXXX - so I thought it was legit- it was not an ad so they must have used XXXX marketing to pay for this URL and NUMBER to be a top hit. This was the number I found and called - XXXX XXXX - Both XXXX XXXX email and the phone have most likely since been XXXX. Details below order number XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX tXXXX  I wanted refund XXXX XXXX - fraudulent activity using XXXX via Chase XXXX sent {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting Act XXXX Account # 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 2022-08-07 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: PA

Complaint narrative:
XXXX and Transunion, XXXX have violated my consumer rights with reporting fraud accounts on my credit report. I tried countlessly to report the issue with them but they keep send letters back in XXXX saying the accounts is verified. I sent letters back asking their method on verifying the account, i also ask to send me the original document stating how I owe these frivolous accounts. but no response. I would like these accounts deleted from my credit report immediately.

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 2022-08-07 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: PA

Complaint narrative:
XXXX and XXXX, Experian have violated my consumer rights with reporting fraud accounts on my credit report. I tried countlessly to report the issue with them but they keep send letters back in XXXX saying the accounts is verified. I sent letters back asking their method on verifying the account, i also ask to send me the original document stating how I owe these frivolous accounts. but no response. I would like these accounts deleted from my credit report immediately.

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 2022-08-07 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting Act XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-08-07 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in accordance with the Fair Credit Reporting Act XXXX  Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My wallet was stolen card was stolen and my pin was in my wallet as well I called the bank Wells Fargo soon as I found out about the transaction that where. Made they filed a claim then decided to denied me saying I gave permission which I didn't and over XXXX dollars was stolen out my account now I'm force to pay overdraft fee plus out of my own personal money I put in to save for my kids what can I do need help in resolving this matter

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 2022-08-07 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: NV

Complaint narrative:
Part of several Equifax data breaches where my information was sold XXXX. These data breaches affected me socioeconomically and placed my family at risk. For years, Equifax was reporting my scores low. Filed many complaints with CFPB against Equifax, however, no changes occurred. As I result of the incorrect Equifax score ; I have been denied financial products and given higher interest rates on credit cards and worse financial terms because Equifax is reporting that I am considered a credit risk. 

XXXX XXXX Credit Specialist at XXXX XXXX XXXX - California, charged me {$200.00} just for credit analysis. I was denied a XXXX ( " XXXX '' ) loan which could have changed my life in a positive way. Thousands of hours of the YEARS - emails sent out, hundreds of CFPB filed, reports with FTC, reports with OIG USPS due to mail being stolen as the data breaches helped criminals target me, typing up letter correspondences and sending it to the CRAs to verify identity to update my address, place blocks, take off accounts that didn't belong to me, contacting hundreds of third party data companies telling them to opt out they didn't have my permission to sell my information, and nothing changed. Since the data breach, I had to move as I have been tracked by psychotic criminals and if you don't think that is a big deal- they stalk my family. My children were recently hit on their bikes by these dangerous criminals and suffered injuries with $ XXXX in medical and attorney bills with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX. Over the years, they have hacked my credit cards, bank accounts, stole my mail after getting my address - stole everything thanks to your data breach. I paid XXXX {$100.00} for their monitoring service because Equifax didn't provide me with one after the data breach. 

When I contacted XXXX, they tried to deny I was a part of any Equifax breach. Told the Equifax Breach Settlement Administrator that I had losses from unauthorized charges to my accounts, many of which I had to close as I became a victim of identity theft. Lost history due to closures. The third parties that Equifax sold my information too not sure who they are, however ; I am a Veteran. I had to change my number 15 times due to identity theft- XXXX charged me a total of {$540.00} - {$36.00} dollars per number change. My family 's lives are forever impacted being victims of identity theft. 

Equifax data breach has led to serious impact on my family 's private life to include humiliation, discrimination, financial loss, physical, and emotional damage and even threat to life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
USAA knowingly pulled my credit without my consent or permission while under credit freeze since XX/XX/XXXX. They were well aware that my entire identity has been stolen and used since XXXX as I documented with them by my former husband, XXXX XXXX XXXX and others ; I had to get another phone and found the letter dated XX/XX/XXXX. 

Thats a significant time issue for them as Im still trying to get MY life back. Now, they refuse to take accountability for their actions which are against the law. 

This is already at the US DOJ level and since they are aware of this, are not cooperating accordingly with federal laws and regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: Chime Financial Inc
State: NY

Complaint narrative:
I was charged three times by XXXX a website I have never once visited, as well as nearly {$50.00} at a XXXX restaurant that we dont have within even an hour of our home. 

My cards had been lost during a move at the time the transactions took place, and Chime bank is refusing to credit the fraudulent transactions. 

XXXX XXXX ( Sunday, XX/XX/2022 ) {$3.00} {$3.00} {$4.00} XXXX ( Wednesday, XX/XX/2022 ) {$47.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: PA

Complaint narrative:
Congress makes it clear that you assumed your role in evaluating consumer reports. I was affected by Equifax. Equifax you did not have permission to furnish anything on my reports, I did not give my consent. Also, congress states that consumer reporting agencies must exercise their grave responsibility. Equifax was unfair, impartial and did not respect my right to privacy. Nor did they receive consent to furnish anything on my report. Congress states that written instructions must be received from the consumer for consumer reporting agencies to furnish anything on a consumers report ; I did not give written instructions to equifax to furnish anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I AM XXXX XXXX A NATURAL PERSON. " In light of recent investigations brought upon Equifax, I find that my consumer file is being irresponsibly tampered with. Over the past 5 months I have made several attempts to remind you of your duty pursuant 15 USC 1681. It appears that Equifax is intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making this complaint as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigations. all of the unverified information must promptly be removed. They can see in there system that this account was previously disputed without being verified. Equifax has violated HIPPA LAW also. 
The account being disputed is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I received a debit card in the mail for an account I did not open.

Company response to consumer: Closed with explanation