vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America opened an account for a fraudster in my name in XX/XX/2023. I have never banked with them and never have used their products to my knowledge. In the account the fraudster disputed finds and a statement was sent to my house so I called the bank in XX/XX/2023 to have the account closed. The bank assured me the account would stay closed and no more would be opened in my name. In XXXX ( I was away ) and XXXX I received more statements. I called again and they closed the account and sent a letter the " Accounts were closed due to being unable to verify my identity ''. I then was satisfied at least the accounts were closed. The bank then sent me a check for the closed accounts. I can not believe this level of incompetency, considering I told them the account was not mine and I was not attached to the money in any way. I will not cash the check and am in the process of calling them to cancel the disbursement or even better work on trying to find out how and why this happened.

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 2023-08-25 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 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 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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-25 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: DE

Complaint narrative:
Trans union did not do an accurate investigation in providing the factual details to my dispute. On their investigation report # XXXX their are two accounts that are identical XXXX XXXX XXXX # XXXXXX/XX/XXXX# XXXX. 
A precise and accurate investigation would have uncovered the details of them being the same account. And if they cant find the minute issue shows their lack of maintaining complete and accurate records. 
XXXX acct # XXXX XX/XX/XXXXacct # XXXX XX/XX/XXXX acct XXXX XXXX XX/XX/XXXXacct # XXXXXX/XX/XXXXacct # XXXX XXXX acct # XXXX These accounts plus the two identical does not belong to me as I provided the written statement from my ex fianc that he takes full accountability for opening them in my last complaint yet they blantantly ignored the statement. 
Furthermore In accordance to the Fair Credit Reporting Act, my rights have been violated .under 15USC 1681section 602 states I have the right to privacy. 15USC 1604A section 2 states a consumer reporting agency can not furnish an 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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-25 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I unfortunately fell victim to a rather sophisticated online scam while engaging the services of a company called XXXX for my XXXX XXXX XXXX. After realizing this, I promptly informed my bank and sought their assistance in obtaining a refund. Initially, the bank provided me with temporary credit as a gesture of goodwill, but regrettably, they unexpectedly reversed the credit without notifying me beforehand.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-25 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: LEXISNEXIS
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 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My TRUIST credit card ending in XXXX was cancelledDue To Fraud More Than 2 Months Ago.ToId I would Receive New one. Never Did! Talked With Fraud Dept.And Disputed Numerous Charges ... Told {$900.00} To Be Removed From Bill AndFurther fnvestigation Of Charges Underway.Received Repeated Notices of Late Payment Due.Went To Local Branch More Than Once.They AIso Spoke To Fraud Dept.I Was Given Assurances ThatAdjusted/Corrected Bill And New Card Woutd Be Sent.Never Received Replacement Card.Did Not Receive Adjusted Bill! Received Bills Via Email Re : Original Card Ending XXXX & Cards Ending XXXX & XXXX which I Never Received.Spoke To Fraud Dept. Again & Agasin! Received Letters Stating $ XXXXPlus Late Charges & Interest Due = BOGUS! Closed Account! Cancelled Credit Card ( s ) .Sent Letters To TRUIST President, Executive In Charge Of Consumer Relations, Credit Card Srvices , & Corporate Headquarters : No Reply! 
I Will Not Pay! 
FRAUD! 
!! 
I've Had Enough Of TRUIST BAD Business!!! 
Sincerely, XXXX XXXX, XXXX SS # 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 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XX/XX/2023 I was notified of unusual activity on my AMEX credit card ; a card in which I never have used. Someone was fraudulently putting {$520.00} into an Amex Send Account. I also noticed that the phone number associated with my account was changed the next day- to a number that I did not recognize ( I also reported this immediately ). I immediately reported the fraudulent activity the same day. They sent me a new card and couldnt provide anything further until the investigation was completed. I waited several weeks and was told a formal investigation was never officially opened although I alerted them of the activity from day one. So they finally opened up a formal investigation in XXXX XXXX XXXX after several complaints and calls with the company. By law, I can withhold payments to the account since all activity was fraud. I was being charged interest and late fees during this time period due to no fault of my own. On their billing statement, it clearly stated that I was not liable for payment for the {$520.00} in reference to fraud on my account, so I did not make a payment. In XXXX XXXX XXXX, I was notified by email that the charges of interest and the amount of {$520.00} that was fraud on my account had been refunded. I assumed that they also refunded the late payment fees, but they did not. I called them again in XX/XX/2023 and they are refusing to reverse the late payment charges associated with the fraudulent activity, although their terms state that I am not liable for any fraud associated on my account. Charging me late payment fees is holding me liable- and is a breech of terms of service. I would like American Express to solve this matter immediately and to own up to their own mistakes and terms of service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XX/XX/XXXX original purchase date Purchase a chair approx {$370.00} with special financing. Contacted creditor XX/XX/XXXX attempting to pay off this debt I requested information on how payments were applied so confirm the applicable amount that was need to pay off this debt ahead of the fixed term to pay for the item in full The representative provided the information and I made the payment believe he said it would take a billing cycle for the debt to fall off. I waited as instructed and the item did not fall off so I call back in XXXX and get another rep. Todays this matter has not been resolved. Wells Fargo BObs discount furniture is operating under predatory lending practices. Scam

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: IL

Complaint narrative:
The last time I used my credit card was to a company called XXXX, on XX/XX/2023, for a specialty shampoo for my XXXX XXXX XXXX mother who I caretake. 

Someone in XXXX XXXX got ahold of my credit card number and charged almost {$700.00} worth of goods and services over a three day period in XX/XX/2023. All of these charges came with foreign transaction fees. One was for sports direct. My XXXX XXXX XXXX mom pays our cable bill. We would never charge sports direct ( were not even sure what it is but we dont have that channel ) and dont live in XXXX XXXX XXXX Further. XXXX was charged!!!! According to the credit card company, I mustve charged all these things online. XXXX!? Another appears to be for XXXX ( XXXX  XXXX XXXX ). Really? How on earth did I do that?!?!? Ive NEVER been to XXXX, nor has my mother. And all the other charges were made at the same time as these two charges! 

I will try to attach copies of my statement. I made zero charges in XXXX and have cancelled the card. Please help. I dont have a job beyond caregiving for my mother and cant afford to pay charges that are not mine as theyve obviously been made by the person enjoying their XXXX and XXXX XXXX 

Thanks for your help.

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 2023-08-25 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: GA

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy.

15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-08-25 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: GA

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy.

15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief