vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-30 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: TN

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. 

Account XXXX : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 2024-08-30 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: TN

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. 

Account XXXX : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 explanation
Consumer complaint received 2024-08-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Checkr, Inc
State: FL

Complaint narrative:
I applied to work for XXXX. They ran a background check using a company by the name of CHECKR. This company reported information that is more than XXXX XXXX XXXX. against FCRA rules. This company is in violation of my rights. I demand that this be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I was double charged by a merchant ( XXXX ) I have contacted then and provided all information necessary for them to release the pending authorization hold on the second charge. The final charges have already processed and include the additional charge that is pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX I dont have any credit card from based on the XXXX open that account we back XXXX but i XXXX here in United States XXXX XX/XX/XXXX how come I have Deliquent to that company and my all information always have mistake even how many times that I spoken them and spelling correct to agent I spoked too and why they cant stop the people and company inquiries to my name and my information

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 2024-08-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I purchased a pair of shoes on XX/XX/XXXX from XXXX via XXXX using my CapitalOne credit card. XXXX recently allowed me to return the shoes and I received an email from them and from XXXX on XX/XX/XXXX confirming that the return was successfully processed and a refund had been issued. I waited but did not see a refund to my card so I contacted my card issuer and they suggested a dispute be filed. They issued me a provisional credit on XX/XX/XXXX and then denied my claim because the purchase date ( XX/XX/XXXX ) is too old. I have contacted both companies numerous times and neither has been able to locate the missing refund or provide me a resolution. Now I am out {$100.00} and I no longer have the shoes. This is unacceptable and unfair, Ive done all I can do as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: CA

Complaint narrative:
My Debit card was lost or stolen. 
I am notifying you, under the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost or stolen XXXX XXXX and unauthorized transaction. See especially 12 C.F.R. 205.6, 205.11. I request that you refund any unauthorized transactions involving this card, including but not limited to the following : Transaction amounting to {$260.00}, XXXX  : XXXX Transaction amounting to {$590.00}, XXXX  : XXXX. 
PNC bank 's response was unclear, and I do not know what they are doing. Their representatives are extremely incompetent, and I am shocked to my core. I still havent received the new debit card even though the representative told me it would arrive in XXXX business days. 
I am moving all of my funds out of PNC and closing all of my accounts with them because I am extremely dissatisfied and devastated. But I hope my story helps other people avoid this incompetent bank. 
Please have PNC bank restore funds for the unauthorized transactions and send me a proper final confirmation of their action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-30 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:
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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/XXXX, I received an email from Barclays stating that my credit line was dropped. I have been a loyal customer for over 20 years. My credit line was increased due to loyalty a few years ago.First, this was not a 45 day notice ( payment is due on XXXX of the month ) Second, I have not missed a payment and have always been on time. I am a XXXX XXXX living on social security, trying to get by in these difficult times! I never thought I would use a credit card to buy food and help get by to pay insurance, and other necessities. I dont how I will survive in the next few months, which has me scared. I knew I had a backup! Then on XX/XX/XXXX, I received their letter saying my credit line was dropped due to report from XXXX XXXX with credit score of XXXX. I absolutely dont know what to do! You realize what difficult times we live in. Im praying for a miracle but frightened now and dont know where to turn. Please help me, I beg you, give me a little reassurance please. Thank you for your time.

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 2024-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I attempted to deposit {$6000.00} into Bank of Americas ATM on XX/XX/year>. The ATM stole {$2200.00} during the deposit process. The ATM printed out a slip telling me of an error and to call a number to report ATM error. I went inside and spoke to the Bank Manager and shes called the number and processed a fraud claim, which the phone representative told both myself and the manager it will take 24 to 48 hours until Im issued a credit while they investigate the issue. I called later on that day and it was then reiterated i should receive a credit in 48 hours and that they would shut down the ATM machine due to the error. On XX/XX/year> I make a police report. On XX/XX/year> I called the fraud department back because I had not received my credit. The representative then told me I had to wait 10 business days which they said was XXXX XXXX to receive a credit. I explained that this is causing a financial hardship on my life after the ATM stole my money. Nothing changed

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 2024-08-30 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: DC

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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 2024-08-30 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: DC

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 explanation
Consumer complaint received 2024-08-30 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: MI

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. 

Account XXXX : XXXX Account XXXX : XXXX and list of Inquiries. 

XXXX XXXX XXXX XXXX 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 2024-08-30 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: MI

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.

Account Name : XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXXXXXX XXXX  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 explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My XXXX account was hacked and used to for fraudulent transactions linked with my debit card but my biggest concern is with my bank and the reason my fraud claim was denied. I spoke with many Bank of America associates even going inside of a branch with two forms of ID to be able to see my status of these claims. and the claim I made XX/XX/XXXX been completed I went into the branch on XX/XX/XXXX they told me my claim was denied because my XXXX XXXX was used previously before in transactions and the representative there told me to fax an appeal for it so I did. Once it was faxed I sent it out and the claim was reopened but for many days this week I've been having to fax more appeals because it was getting denied. Today I was able to call and when I did a representative told me that the reason why it was denied again this time it was because they said they've sent an alert to my phone and to my email to confirm the transaction and they said I did authorize it but while on the phone with the fraud department and a representative looked into my notes on the XXXX of XXXX and she said there was no alert sent to your and there was not a note that was saying I completed it so it was a lie. Bank of America has been denying my claims constantly and I want this to stop so I can leave this situation alone

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 2024-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Dovenmuehle Mortgage, Inc.
State: IL

Complaint narrative:
I have made a formal request for an escrow account removal in XX/XX/year>, so that I can manage my tax payments and insurance payments by my self every year. 

The company denied the request with incorrect information that my LTV loan to value is not 80 % or less. Please find attached response from the company. 

The company has always been sending incorrect information in XX/XX/year> I had a appraisal done and the with the help of CFPB the company removed the PMI as I now have a equity of 20 % which brings down the LTV loan to value falling less than 80 %. Please find the letter for the same in attachments. 

The company never considers correct information and provides the worst customer satisfaction. I would request to have the escrow account removed. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: NY

Complaint narrative:
I recently received a copy of my Equifax and XXXX, and I noticed a late payments posted on my credit report : FIRST PREMIER for the month of XX/XX/XXXX - XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : 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 instructions of the consumer to whom it relates. FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: IL

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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

XXXX XXXX  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