vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX I had an appointment to do my annual Distribution as I discovered that the bank had not done the distribution for year end XXXX. Upon meeting with XXXX XXXX and requesting that I needed to get this done before Year-end. XXXX XXXX informed me that I had to do my own Distribution. After explaining more than three times, that this was not a procedure that I should do, it was the responsibility of the IRA holder ; I left the bank and went to the Library to find information on how to figure the Distribution. I did a walk-in the following days trying to get this done. I telephoned the Bank everyday before the end of the year to no avail. I was able to secure another appointment for XX/XX/XXXX. Branch Manager, XXXX XXXX had me see XXXX XXXX who made a mess of the entire situation. The things that happened was as if I was XXXX XXXX XXXX XXXX who didnt know anything about IRAs. I explained to XXXX XXXX that I wanted to do a separate distribution, and rollover the remaining balance into another bank. Due to the manner which I was treated. He took it upon himself to rollover the entire balance, thereby charging me too much tax. Upon discovering this gross error by XXXX XXXX, I returned to the bank demanding that they fix their errors. To my dismay, XXXX XXXX XXXX informed me that their bank Internal Auditor, whom she refused to let me know her name, had told XXXX XXXX that he didnt have to do the distribution for me. That was a lie and Gross Negligence on Bank of Americas part. XXXX XXXX telephoned XXXX XXXX XXXX to ascertain how the situation could be fixed. He suggested to back date the transaction to XX/XX/XXXX, I deposit the check into an IRA, I make my own tax payment to the IRS, and he would refund the {$XXXX.XXXX} incorrect tax amount into my B of A checking account by XX/XX/XXXX. To date at this writing at XXXX hasnt transpired. I made it plain to XXXX XXXX that Bank of America  should take full responsibility for this mess-up of a simple situation. I used the term simple, because it took me not more than 10 minutes to figure a distribution amount, and I had done this before. I lost 2 hours of work time. Bank of America should pay me for my time loss. 
Respectfully, 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 monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: FL

Complaint narrative:
I am writing to delete the items attached to this file from my credit report. I am a victim of Identity theft and did not make the charge. I demand these items be deleted to correct my consumer credit report. I reported this theft to the Federal Trade Commission. I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please remove these items 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 2024-01-11 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: FL

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I received a credit card with a balance of XXXX  dollars to pay the XXXX  never applied for, I was checking my XXXX  credit report when I saw that I had a late payment charged into my account causing my credit to drop XXXX points without my knowledge or consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XXXX XXXX I received a letter to collect from Midland Credit Management Inc. I sent two validation letters to the company. Where they did not give proper documentation. While I was Disputing this information they have been reporting it, without validating it. Completely disregarding my rights under Fair Credit Reporting Act ( ERCA ) 15 US.C $ 1681s-2. 

This company has not given the proper documentation of the right to collect this debt in my state. They could not provide me a California License Number. And as you can see in letters. They stated its pending. 

This company also did not provide me an itemized breakdown of the proper fees and interest, and how it got to this alleged debt. They gave me two months of statements ( one from XXXX XXXX- XXXX XXXX where balance was only at {$500.00} ) and ( Second from XXXX XXXX- XXXX XXXX were the balance was now {$890.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: KY

Complaint narrative:
This is my third time requesting the below items be removed or proof that they are mine be provided. These are not my accounts and I have filed a police report due to my wallet being stolen in XXXX and then all of this shows up a year or so later. 

XXXX XXXX {$680.00} XXXX XXXX XXXX {$700.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX I Closed on XX/XX/XXXX XXXX/XXXX  Closed on XX/XX/XXXX XXXX/XXXX  Closed on XXXX XXXX, XXXX XXXX/XXXX Closed on XX/XX/XXXX XXXX/XXXX  Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXXXXXX  I contacted each company and they couldnt provide any information and when I gave my address social they either couldnt verify me or had no record. 

My Identity Theft Report reference number is XXXX and my police report number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: KY

Complaint narrative:
This is my third time requesting the below items be removed or proof that they are mine be provided. These are not my accounts and I have filed a police report due to my wallet being stolen in XXXX  and then all of this shows up a year or so later. 

XXXX XXXX {$680.00} XXXX XXXX XXXX {$700.00} XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX {$5300.00} XXXX XXXX XXXX I Closed on XX/XX/XXXX XXXX/XXXX  Closed on XX/XX/XXXX XXXX/XXXX  Closed on XXXX XXXX, XXXX XXXX/XXXX  Closed on XX/XX/XXXX XXXX/XXXX  Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX contacted each company and they couldnt provide any information and when I gave my address social they either couldnt verify me or had no record. 

My Identity Theft Report reference number is XXXX and my police report number is 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 2024-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Violation of Arbitration agreement 15 USC 6802, 15 USC 6803, 15 USC 6804 and 15 USC 6805 Sharing my personal information and accounting

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 2024-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Despite my repeated attempts to dispute and rectify the situation, the fraudulent accounts remain, and I have not received any conclusive information from your investigations. It has been well over 60 days since the commencement of the investigation, and to my dismay, I have not received any updates or resolution regarding these fraudulent entries. 
XXXX XXXX XXXX - FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX - FRAUD, PLEASE DELETE!!! XXXX have already removed this account from their records. 
Furthermore, I insist that the credit bureau refrains from reporting these fraudulent accounts until they can be accurately verified. It is imperative that inaccurate and potentially damaging information is not disseminated, especially when the bureau is unable to substantiate the validity of the items in 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 explanation
Consumer complaint received 2024-01-11 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: CA

Complaint narrative:
I have identified accounts on my credit report which are not mine and i believe were opened using all or part of my personal identifying information. I have contacted the creditors in question in writing and requested resolution. I was advised to request a fraud alert be placed on my credit reports as well as file a report with the Federal Trade Commission which is attached. 

The accounts are : XXXX XXXX - acct ending XXXX XXXX XXXX XXXX  acct ending XXXX Inquires appear that I did not request are : XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-01-11 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: CA

Complaint narrative:
I have identified accounts on my credit report which are not mine and i believe were opened using all or part of my personal identifying information. I have contacted the creditors in question in writing and requested resolution. I was advised to request a fraud alert be placed on my credit reports as well as file a report with the Federal Trade Commission which is attached. 

The accounts are : XXXX XXXX - acct ending XXXX XXXX XXXX XXXX acct ending XXXX Inquires appear that I did not request are : XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

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 2024-01-11 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: FL

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 2024-01-11 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: FL

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 2024-01-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
COMPLAINT I received a letter from the company ( lXXXX XXXX actually ) on XX/XX/XXXX, dated XX/XX/XXXX, stating that I had not made my regular, and that I had 10 days to make the payment, even though I have just received the letter 11 days later on XX/XX/XXXX. First, the company was paid {$220.00}, the amount due, on XX/XX/XXXX at XXXX XXXX The amount is due by the XXXXXXXX of each monthXXXX The amount cleared my bank on XX/XX/XXXX. The reference number given to me from the company website for this transaction was # XXXX. The amount due has been paid on time for the past XXXX years and has never been late then and was not late in XX/XX/XXXX. 

I called the company on XX/XX/XXXX at XXXX XXXX. The call lasted XXXX minutes. I had the displeasure of speaking with a XXXX XXXX. I explained my situation to XXXX XXXX, provided all of the preceding information to track my transaction, and I stated verbally that as long as I am paying the debt on time every month, I did not want to receive nasty correspondence falsely stating that I was late with my monthly payment XXXX XXXX stated that the law firm was having computer glitches and that the computer didnt post my payment in a timely manner. The computer did not post my payment until XXXX days later on XX/XX/XXXX, even though the payment was made on XXXX. I informed XXXX XXXX that my agreement stated that my debt collection agreement stated that my payment is due on the XXXX of every month and does not have any language related to when the the transaction is posted to their internal records. Also, I told her that there was nothing in my agreement regarding computer glitches. 
I also informed her that if the company continued sending out XXXX  when I was making timely payments, I would take legal action against them. XXXX XXXXXXXX XXXX response was to ask for the name of my lawyer so that her for could contact them. I told her to cease and desist with any further letters and that I did not want any type of communication with the law firm. XXXX XXXX stated that they would honor my request. 

XXXX, on XX/XX/XXXX I received yet another nonsensical letter from this company omitting just about all of the preceding facts mentioned above, stating only that the company posted the transaction to my account on XX/XX/XXXX and that they hope this letter resolves my complaint. 

Before the company sends out another nonsensical or XXXX  letter, I want them to cease and desist with any further contact with me. As long as I am paying the debt on the I should not receive XXXX  letters or, for that matter, any correspondence stating that my payment is late when the payment was actually made early. I want no further harassment from them. 
* - Note : The original debt company, Cooling & Winter, has now merged with a law firm called XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have followed all the necessary procedures for disputing these accounts and have exhausted all avenues of resolution. I have contacted the bank, law enforcement agencies, and credit reporting agencies. XXXX and XXXX have removed the accounts per legal requirement, but for some strange reason, Equifax feels that I am not following all the steps. This is the sixth complaint I have filed against them, and every time I get the same ridiculous response. They make absurd claims that the documents I have submitted are not valid. I am at my wit 's end after submitting my claim with Equifax for over six months. I know that consumer laws and the courts are very lenient with the banks and credit reporting agencies, so filing a lawsuit is a waste of energy. However, I demand that the Consumer Financial Protection Bureau ( CFPB ) look closely at this case because it seems like Equifax is failing to meet their legal requirement to process the identity theft report. I have filed it with a law enforcement agency, and IdentityTheft.gov is a federal law enforcement agency. I want to see this matter handled properly. Account : XXXX - XXXX XXXX XXXXXXXX Open Date : XXXX XXXXXXXX XXXX Balance : {$15000.00}. All this grief from identity theft and not having any access to my credit is creating a ton of emotional and physical distress. It is causing a great deal of strain in my work and personal lives. I am losing my mind because I have no other recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: PA

Complaint narrative:
My name is XXXX XXXX, this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding the removal of these accounts ; XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief