vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On several occasions, I have requested by phone and mail that my personal information be corrected on my credit report. I also sent them copies of my driver 's license and social security card, but they have still refused to do so.

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 2023-10-31 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023, I received an email notification that the PIN had changed on the card for my unemployment insurance ( that I had not received ). The card had been placed in the mail, but I had not received the card. I immediately checked my account at Bank of America and saw that funds had been withdrawn. I called to file a claim for fraud, put a stop to the card and had another card issued. I was told it could take up to 90 days to review the matter. The following day, I received an email from ID Notify regarding a breach of my information. ID XXXX provided me with the individual that had accessed my information on XX/XX/2023. This individual is a Bank of America employee. I forwarded this information to Bank of America via email. I later found out that they do not accept emails. I called Bank of America on XX/XX/2023 regarding the investigation. At that time, I was informed that the claim had been denied. I requested any and all information and the file to be mailed to me. I have not received any mail on this investigation. The representative stated the denial had been mailed. I confirmed my mailing address. I have yet to received the denial or the file from Bank of America. I faxed the ID Notify and other documents to show that I was not involved in this fraudulent transaction and that the individual involved is a Bank of America employee. Despite the evidence, this claim was denied. I have experienced fraud by the very bank that provides a service through the government. This data breach is disconcerting, as it goes to show that not only was the data breach not taken seriously, but that other consumers are at risk of the same. This concerns Bank of America 's data governance and lack of concern for breach and transmission of data. This is a serious matter, as it goes directly to Bank of America 's risk of breach by potential hackers. Lastly, I reported this to the FDIC and they have responded that they have forwarded my complaint to CFPB. 

Attached is the correspondence regarding the PIN change, the confirmation that Bank of America had received my claim, and the ID XXXX induration regarding the data breach. Upon receiving the information about the data breach, I followed up with a search for the named individual and found that she is a Bank of America employee. My data was breached on XX/XX/2023, a day prior to the withdraw. The Bank of America employee XXXX is shown here : https : 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 2023-10-31 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: OR

Complaint narrative:
I am writing to address significant violations of the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) that have recently come to my attention. Consumer Reporting Agencies ( CRAs ) play a vital role in assessing consumer credit information. It is concerning that Big 3 CRAs rely on data from smaller agencies, like XXXX, for reports. Identity theft is a major concern. Reporting unauthorized accounts without consent is a serious breach of privacy. CRAs are legally liable for noncompliance under 15 U.S. Code 1681n, with potential penalties of {$1000.00} per violation. The unauthorized buying and selling of personal information poses a significant privacy issue. Compiling a report without consent amounts to identity theft. Privacy is a right, not a privilege, and I demand prompt removal of identified information. I followed the requirements of 15 U.S. Code 1681c-2 meticulously, but was not provided clear information about reporting, as mandated by the Gramm-Leach-Bliley Act. By invoking my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b ( 2 ), I seek a swift resolution. I insist on immediate removal of identified items within four days. Furthermore, proper notification for investigative consumer reports, under 15 U.S. Code 1681d, has been overlooked, a clear violation. I expect prompt attention and full compliance with the aforementioned provisions. Failure to do so may compel legal action. Given the comprehensive evidence I have provided, I am pursuing a resolution to address the FCRA violations and the infringement of my privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd

Complaint narrative:
The company ( WISE ) asked us for some documents and extra information about our transfers the day XX/XX/XXXX, they stated that it is a routine check. 

We replied and sent all the required information the day XX/XX/XXXX ( within the 7 days that they kindly asked us to get back to them ). 

After sending the documents, our account was " frozen ''. We could still access to the account but we could not send nor receive any transfers ( our provider stated that they were sending the payments and making the transfers but we never received them in our account ). 

After that we received an email saying that everything was fine, but we still had our account frozen ( we couldn't receive any transfers )... we tried to contact them to know what was happening and we were waiting for almost XXXX weeks for a response. I sent several emails, called a lot of times but they just stated that there was XXXX document still pending of revision. 

The day XX/XX/XXXX they just closed our account and asked for bank details through our appeal to refund our money back. Our account had around XXXX in balance, but over XXXX in pending transfers!! 

So after filling everything, they refunded us the money that was in the account which was around XXXX but we still don't know what happened to the transfers that never came! I tried to contact them several times but they don't give me any information. I talked to our provider aswell and they say that the transfers were made and none of them were returned to the sender So they are keeping over XXXX from us!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: CO

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 2023-10-31 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Reliable Credit Association, Inc.
State: WA

Complaint narrative:
For the last three months this year 2023. I have sent Notirize letter to this company asking to prove I Have an obligation to pay for a loan I never received from them. I SENT my last remedy to their office XX/XX/2023 only to be ignored and placed in the default position with them. They didn't not follow the law in reference to consumers rights by taking possession of the collateral with out any payment sent to me because of the contract they proved I have with them. XX/XX/2023 my vehicle was taken at the residence stated on file. Yet I received no write response back from my letter of rescind sent through certified mail postal office XX/XX/2023. 
I have forced Reliable Credit Association to prove the contract they brought from The Car dealership was fraudulent and I will not be force in to illegal contracts through deception practices. I didn't receive any credit nor financial benefits from either party 's involved in this forced contract with Reliable Credit Association. I have yet to receive transfer nor check issued to my persons for the amount determined by Reliable Credit Association.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Improper use of credit report, unauthorized inquiries need to be removed off my credit profile as soon as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 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: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In XXXXXXXX XXXX XXXX my identity was stolen. An individual went to the bank and cashed two fraudulent checks under my name. I was unaware of the transactions and found that the bank withdrew around {$4500.00} from my account to repay the fraudulent checks that were cashed using my identity. 

Since XXXXXXXX XXXX XXXX  I have made a police report for stolen identity and have spoken to the police multiple times to assist with the case. I have also contacted the bank over twenty times to release the footage to myself or the police. The bank has never pulled the footage and have not cooperated with the police to help find the individual that stole my identity. When I call the bank, I am told that they will " make notes '' and " tell the supervisor ''. It has been a year and I have not been refunded the money that was stolen from me. The bank will not cooperate with me. The bank will not cooperate with the police. I have been unable to speak to someone in an authoritative position to help resolve these issues. 

Since the money was taken out of my account, I have struggled to pay rent, my car notes, utilities, groceries, and other various bills. I have never overdrafted with this bank, nor have I ever been in bad standing. The bank allowed someone other than myself to come in and cash checks under my name without the funds being in my account. The bank allowed the identity thief to cash two checks in the amounts of {$12000.00} total without the funds being in my account. 

I have done nothing wrong and have been punished by this bank for the wrongdoings of others. I am financially struggling and would like the money that I earned returned to me. I filed police report. I have cooperated in any way that I can and can not get answers or resolutions from the bank. My balance is negative {$8000.00} as of now and I am out of options. Please help me get back what I worked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: SUN WEST MORTGAGE COMPANY, INC.
State: TX

Complaint narrative:
Due to some complications we received from a previous lender, I decided to move forward with XXXX XXXX from Sunwest Mortgage as our new lender as he assured me that we would close on time and there would be no issues. On the day before closing at around XXXX, he decided to call me and tell me there was an issue and that I had to bring another $ XXXX to closing to get it fixed. As you can imagine, this threw me completely off guard because two days prior to closing everything was fine and Sunwest confirmed we were good to go. 

Due to this nonsense and the company 's evil practices, we had no choice but to ask the builder to delay closing to figure something out. The builder in turn, was not going to delay closing and were planning to charge {$250.00} per day for the extra time. This of course led to us having to cancel our contract because we did not have the extra funds, nor were we given any help in attempting to fix it. 

Sunwest Mortgage company has now cost me my deposit ( {$5000.00} ) and {$600.00} due to the appraisal I had to order because they were unable to switch it from the other company. I am now without a new house to move into and having to explain to my XXXX XXXX XXXX son that we must find an alternate location to live due to the incompetence of Sunwest mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I had gotten repossessed on XXXX and paid it XX/XX/XXXX and the finance didnt let me get the car until XXXX because they said i needed to pay what i owed and i said i had already paid and i was told i wasnt able to get the car until i was up to date so i provided a copy of the reciept which was for XXXX the last agent i spoke to before picking up the car on XX/XX/XXXX told me my payment would be XX/XX/XXXX so that i can get caught up and straighten everything out since i had lost my job due to the repo when i got the car it was all damaged scratched wheel was missing and the battery was swaped i had to pay for all that because i couldnt drive it all the way to XXXX since it was 2 1/2 hours away i wasted XXXX just on the battery but i paid it because i wanted to have everything right before my payment date which was XX/XX/XXXX on XX/XX/XXXX i wake up to no car i was shooked because noteven a month ago i had gotten it back from repo and its repossessed again i had bearly started working and i have XXXX XXXX XXXX going to school as you can imagine how hard it was i called westlake financial and they said they had no clue to call the police because its been stolen i was told there was no repo order for my car. So then i findout they do have it and the agent i spoke to laughed at me and yelled at me and said i was a liar because i was lying that i had bearly gotten my car on XXXX i told him i had documents of the date i signed the release and he just hunguo on me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
I deposited a check on XX/XX/XXXX bank said clear on XX/XX/XXXX now there saying XXXX XXXX which is insane I called bank and casino who issued check they verified check my bank told me they havent received funds casino called me today and stayed funds were paid to citizens on XX/XX/XXXX so I cant figure out why they are playing with my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account #, XXXX XXXX and XXXX XXXX # XXXX 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 an account without my written instructions. 


XXXX According to the agreement, it was XXXX I made the following payments of XXXX which were to be on the XXXX of each month. 

XX/XX/2020 check # XXXX I made a payment of {$1000.00} XX/XX/2020 check # XXXX {$340.00} XX/XX/2020 check # XXXX {$340.00} XX/XX/2020 check # XXXX {$400.00} TOTAL PAYMENTS {$2000.00} PAYMENTS WERE RECEIVED UNTIL XXXX XXXX WERE PENDING, They stopped with the payments by covid XXXX emergency.

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 2023-10-31 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States i have a 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 2023-10-31 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States i have a 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 non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: FISERV FINXACT CORE
State: NC

Complaint narrative:
I sent telechek a letter on XX/XX/2023, a hard copy of check. It is now XXXX XXXX, XXXX and no response from telecheck. 
Thanks 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 2023-10-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc.
State: AZ

Complaint narrative:
One of my family members is using my social security number these debts were not incurred by me. These are fraudulent uses by my mother who has used my ss # without my knowledge $ XXXXXXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX conn appliances on XX/XX/XXXX total {$5400.00} XXXX XXXX XXXX XXXXl on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: CO

Complaint narrative:
I lost my job in 2021 and couldn't afford to pay my bills or pay rent after that. I had called the credit card company and pushed out payments for as long as I could. I became homeless and didn't have a permanent residence for almost 2 years. Unfortunately the credit card company said I was expected to pay and couldn't get anymore passes even though I still didn't have a job and was homeless. I had no way of receiving mail due to the fact that I lived out of my vehicle. I contacted the credit card company after i had finally found a job and they closed my accounts and let me payback the money that I had owed on a much smaller scale. I don't have any accounts in collection according to XXXX and XXXX. I don't understand how Cavalry SPV I , LLC. can say I owe them collection money when I'm making payments directly to the credit card company and both Credit Bureaus state that I have XXXX accounts in collection. I just lost my job a month ago and now Cavalry SPV I , LLC. is suing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: LA

Complaint narrative:
On XX/XX/XXXX I submitted a request to XXXX XXXX to investigate accuracy of information on my Consumer Reports. 
They sent their response and dated XX/XX/XXXX which I have attached confirming that the reporting information is accurate. 
XXXX is in violation of 15 U.S. Code 1666 ( a ) 15 U.S. Code 1666b ( a ) 2 15 U.S. Code 1681i The inaccuracies include ; Last Payment Date XXXX TransUnion XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Times 30/60/90 days late XXXX TransUnion XXXX XXXX XXXX XXXX Highest Balance XXXX TransUnion XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX Address Information XXXX TransUnion XXXX XXXX XXXX Tx XXXX LA XXXX DE

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