vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-01 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has my FICO score ( good ) very much lower than XXXX ( Excellent ) and XXXX XXXX ( Excellent ) due to incorrect reasons ( late Payments ) in their fico score information. 
I have never paid late on anything but they have me being late 30+ days and 60+ days. 
This is incorrect. They say they can not change it even though there is no evidence of late payments.

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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX and XXXX gave me a XXXX XXXX of XXXX. The score they showed for Experian was higher than the score Experian was showing me. Experian also did not update my scores of the other two agencies for 3 months. Experian ignored updating my score and showing me my true score at Experian and at the other two agencies from Experian 's dashboard. They were hiding my true score from me and the other two agencies. Experian did not want me to see that I had good 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 2023-03-01 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: TX

Complaint narrative:
I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately in XXXX. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite multiple written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation not false copies ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, i have the paper trail where you stated the method of verification as required under Section 611 ( a ) ( 7 ) " you contacted only the furnishers only ''. which means you conducted an incomplete investigation because According to the FCRA Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. according to the FCRA 15 USC 1681 XXXXEQUIFAX, XXXX, XXXX MUST DELETE ACCOUNTS MENTIONED BELLOW no later than 4 business days after ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/XXXX - {$68000.00} was cashed under a individual that is not the person written for XX/XX/XXXX filed charges case number XXXX ... .still I have not heard nothing

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 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2023 I deposited a check for {$10000.00} to my Bank of America account. 

Due to Bank of America 's error, the check was returned three days later ( XX/XX/XXXX ) despite being completely valid ( which was confirmed by the issuing bank ). 

On XX/XX/XXXX I called Bank of America and explained the situation but they refused to help me in any way. They told me to visit a branch for assistance. I visited a local Bank of America branch where they also refused to help me. 

Bank of America refused to credit my account or take any action to correct their mistake. This resulted in me being unable to access my money and violated their published policy on availability of deposited funds.

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 2023-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
Very recently I got a call from a man calling himself XXXX XXXX, an investigator saying I had recently sent a series of money payments to a XXXX XXXX XXXX in the XXXX and that XXXX XXXX had ties to a criminal organization. This was on my answering machine and XXXX XXXX asked me to call XXXX to discuss the matter. I did not call back. The next day I got 2 calls from men claiming to be with XXXX concerning the same issue asking me questions about my relationship with XXXX XXXX XXXX, I refused to answer, I told them to contact my local police and I would talk to them. The caller said, " it does not work that way '' but they could mail me identification papers, ( they had my mailing address. I ended the conversation at that time by hanging up on them. I called the Department of Treasury consumer line and asked if XXXX XXXX worked for them, I got a voice mail today saying he does not work for them. 

I do know of XXXX XXXX XXXX as he is the son of a friend of mine in the XXXX. I did try to send him money once thru Western Union but it failed because a transfer I tried to his mother failed as well. There is more to the story 's after math but that would be another case. The bottom line is Western Union had to be hacked and the scammers are still after me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Upon reviewing my credit report I saw that XXXX XXXX reported my balance increased by {$67.00} from XX/XX/XXXX to XX/XX/XXXX. NOW HERE IS THE IMPORTANT FACT : XXXX XXXX XX/XX/XXXX WAS THE SAME AS XX/XX/XXXX not {$67.00} HIGHER. Now they tried to explain I didn't make a payment in XXXX, that is right. I made it XX/XX/XXXX. The {$67.00} was the interest that accrued since I made the payment in XXXX. But the thing is : the balance at the end of XXXX was still the same or less than on XX/XX/XXXX. So why report that the account balance increased. 

HERE IS ANOTHER IMPORTANT QUESTION THAT NEEDS TO BE ANSWERED : THE BALANCE ON XX/XX/XXXX, DOES IT NOT INCLUXE THE ACCRUED INTEREST FOR THE MONTH OF XXXX? I BELIEVE IT DOES INCLUDE THAT INTEREST OR THE BALANCE WOULD BE LOWER AND NOT THE SAME. SO WHY REPORT TO THE CREDIT BUREAUS THAT THE TOTAL DEBT ACTUALLY INCREASED BY THE ACCRUED INTEREST. 

These types of shenanigans hurt a person 's credit file and are injurious when a person seeks credit. The creditor sees an increase instead of a decrease in the debtors record. 

Shame on XXXX XXXX Over the last year I HAVE CLOSED MY CHECKING, SAVINGS, AND CREDIT CARD ACCOUNTS WITH THIS COMPANY. 

Once again : SHAME!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
I am putting in a complaint because XXXX XXXX Lexis Nexis has reported My bankruptcy when in fact my bankruptcy court has given me written proof stating they indeed don't report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I have been told by family members that there was an attempt to serve me at their residence, which I do not live. I was receiving harassing phone calls. I have received harassment mail being threatened to be sued by Portfolio Recovery Associates. Several different amounts mentioned for a debt. None of the amounts have been accurate or correct in any ways. I have sent a dispute and validation letter by certified mail and have never received a proper response to my letter. There was a {$990.00} on XX/XX/XXXX. I received another letter on XX/XX/XXXX for {$770.00} and another for {$750.00}. Falsified lawsuit docket number letters have been sent to me. I have certified mail receipt confirmation of my attempt to contact Portfolio Recovery Associates and no appropriate response was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-03-01 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:
15 U.S.C 1681 SEC 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 
This was violated once late payments started to get reported back XX/XX/XXXX to present XXXX XXXX  15 U.S.C 1681 SECTION 604 A. SECTION 2 : AT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITOUTH MY WRITTEN INSTRUCTIONS This was violated once late payments started to get reported back XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt This was broken back in XXXX XXXX present XX/XX/XXXX 15 U.S. Code 1692d - Harassment or abuse - ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
This was broken back in XX/XX/XXXX to present XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01 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: CA

Complaint narrative:
I am writing to file a dispute against TransUnion, XXXX XXXX XXXX consumer credit reporting agencies, for their violation of my right to privacy and their unlawful furnishing of data onto my credit report without my written consent on 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  According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i credit reporting agencies like TransUnion, XXXX XXXX XXXX are required to obtain written consent from consumers before furnishing their data to third parties. However, I have recently discovered that TransUnion, XXXX XXXX XXXX has furnished data onto my credit report without my written consent, which is a direct violation of my rights under the FCRA. 

Furthermore, TransUnion, XXXX, & XXXX has not been transparent about the data that they have furnished onto my credit report. They have failed to provide me with a clear and complete disclosure of the nature and scope of the information that they have collected and disseminated about me. 

As a result of TransUnion, XXXX XXXX XXXX actions, my privacy has been violated and my credit report has been negatively impacted. I have suffered financial harm as a result of TransUnion, XXXX XXXX XXXX unlawful furnishing of data, which has caused me to be denied credit or to receive credit on unfavorable terms. 

I am requesting that the Consumer Financial Protection Bureau investigate TransUnion, XXXX, & XXXX for their violations of the FCRA and take appropriate action to ensure that my privacy is protected and that they cease all unlawful furnishing of data onto my credit report without my written consent Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX opened a credit card for someone under my name and refuses to remove it!! It has an address that I NEVER lived at. XXXX XXXX XXXX XXXX XXXX XXXX. I did not open this account and demanded a signed copy of me authorizing this credit card. The bureau reported it as opened in XXXX now it says opened in XXXX. This is not my card and I never authorized it!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: GA

Complaint narrative:
XXXX XXXX opened a credit card for someone under my name and refuses to remove it!! It has an address that I NEVER lived at. XXXX XXXX XXXX XXXX XXXX XXXX. I did not open this account and demanded a signed copy of me authorizing this credit card. The bureau reported it as opened in XXXX now it says opened in XXXX. This is not my card and I never authorized it!!

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 2023-03-01 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: AL

Complaint narrative:
I, XXXX XXXX XXXX, am acting on my own behalf and HAVE NOT used a third party for this dispute. This dispute was not filed in error. Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done DEPT OF EDUCATION/NELNET can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: AL

Complaint narrative:
I, XXXX XXXX XXXX, am acting on my own behalf and HAVE NOT used a third party for this dispute. This dispute was not filed in error. Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX XXXX  can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge.

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