vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I'm BofA customer XXXX XXXX On XX/XX/XXXX I sent wire XXXX USD transfer ( XXXX USD XXXX XX/XX/2022 ) from my account with XXXX bank XXXX XXXX XXXX to my BofA account As of today, this wire transfer hasn't been credited!!! 

I have started investigation with XXXX bank and they have given the following answer : According to XXXX  XXXX Tracker transfer ON HOLD at BANK OF AMERICA , N.A . BOFAXXXX ( XXXX XXXX ) since XX/XX/2022 WE SUGGEST THAT THE BENEFICIARY LIAISE DIRECTLY WITH THEIR BANK IN ORDER TO FACILITATE RESOLUTION. FOR THE REFERENCE OF THE REMITTER AND BENEFICIARY, WE HAVE ATTEMPTED TO CONTACT THE BENEFICIARY BANK UNDER OUR REFERENCE. 

Recently I've been calling BofA Foreign Currency Cash Investigation team. They've given me case number XXXX XXXX and promised to help but nothing happened since then, either anybody contacted me.

I also send complaint to BofA Regulatory Complaints of Bank of America. They acknowledged recepit of my complaint on XX/XX/XXXX but didn't do anything since that time. My several follow-up messages and phone call were not answered It looks like that BofA is not taking any action to credit the incoming payment and is ignoring requests from myself, sending and correspondent banks Attached please find copy of XXXX tracker

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 2022-11-10 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: 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. U. S. C 1681. 
Accounts # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Has 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 a account without my written instructions. 

15. U. S. C. 1681 c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containing any of the following 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 should not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX account # 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 2022-11-10 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: TX

Complaint narrative:
I WILL BE SEEKING LITIGATION AND MONETARY COMPENSATION FOR VIOLATION OF RIGHTS IF THIS IS NOT CORRECTED IMMEDIATELY : See below that the consumer reporting agency is in violation of the FCRA 15 U.S. Code 6802 : The consumer reporting agency says the third party company " verifed '' the false information unlawfully as I have not given any 3rd party creditor, collector or business the authority to submit any non public information about me to the consumer reporting agency. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I have not given the consumer reporting agency my permission, nor the furnisher of the information below to report this information in any way, shape or form. 



See below that the consumer reporting agency is in violation of the FCRA 15 U.S. Code 6802 : 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Furthermore, This letter serves a written notice : I formally revoke, renounce, opt out, quitclaim, and waive ANY and ALL insinuated and or direct permission to XXXX and the following companies that are listed below, to report these following items on my report. XXXX is now aware of these revoked permissions and will now be held liable. I am requesting that the following items be deleted permanently and immediately, as via my right to exercise that nondisclosure option, as expressed in the FCRA 15 U.S. Code 6802 :

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 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Did not give consent for more than one hard inquiry. 
XXXX XXXX XXXXXXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX Sales XXXX XX/XX/XXXXXXXX XXXX Auto Financing XX/XX/XXXXXXXX XXXX XXXX Motorcycles/Bicycle Sales and Service XX/XX/XXXX XXXX XXXX XXXX Sales Financing XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Did not give consent for hard inquiry. 
XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion Did not give consent for than one hard inquiry. 
XXXX XXXX XXXX XXXX, New XX/XX/XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX TransUnion Did not give consent for hard inquiry. 
XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX - XX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX - XX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX XXXX  Miscellaneous Finance XX/XX/XXXX TransUnion Did not give consent for hard inquiry. 
XXXX - XX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX - XX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX XXXX Miscellaneous Finance XX/XX/XXXX TransUnion Did not give consent for them to pull a hard pull inquiry. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion Did not apply for these cards. Did not give consent. 
XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Did not give consent for more than one hard inquiry. 
XXXX XXXX XXXXXXXXXXXX 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 Did not give consent for hard inquiry. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Did not give consent for than one hard inquiry. 
XXXX XXXXXXXX XXXX XXXX New XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX New XX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX - XX/XX/XXXX Equifax Did not give consent for hard inquiry. 
XXXX - XX/XX/XXXX Equifax Did not give consent for hard inquiry. 
XXXX XXXXXXXX XXXX Finance XX/XX/XXXX XXXX Did not give consent for hard inquiry. 
XXXX - XX/XX/XXXX Equifax Did not give consent for hard inquiry. 
XXXX - XX/XX/XXXX Equifax Did not give consent for hard inquiry. 
XXXX XXXXXXXX XXXX Finance XX/XX/XXXX XXXX Did not give consent for them to pull a hard pull inquiry. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Did not apply for these cards. Did not give consent. 
XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX, XXXXXXXX XXXX Account XXXX, XXXX XXXX XXXX  XXXX Account XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Accounts # XXXX. 

has 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 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 2022-11-10 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account XXXX, XXXX XXXXXXXX XXXX XXXX  Account XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Accounts # XXXX. 

has 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 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 explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently checked my credit report and there I discovered a lot of inquiries from unknown sources. These was not authorized and should not be on my report.

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 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently checked my credit report and there I discovered a lot of inquiries from unknown sources. These was not authorized and should not be on my report.

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 2022-11-10 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Whom This May Concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX XXXX reported on XX/XX/XXXX As you Know it is against the law to report any information not proven accurate. 

I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity o the remark. 

I am not in dispute of ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from credit report. 

Best Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: TX

Complaint narrative:
I WILL BE SEEKING LITIGATION AND MONETARY COMPENSATION FOR VIOLATION OF RIGHTS IF THIS IS NOT CORRECTED IMMEDIATELY : See below that the consumer reporting agency is in violation of the FCRA 15 U.S. Code 6802 : The consumer reporting agency says the third party company " verifed '' the false information unlawfully as I have not given any 3rd party creditor, collector or business the authority to submit any non public information about me to the consumer reporting agency.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I have not given the consumer reporting agency my permission, nor the furnisher of the information below to report this information in any way, shape or form.

See below that the consumer reporting agency is in violation of the FCRA 15 U.S. Code 6802 : 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Furthermore, This letter serves a written notice : I formally revoke, renounce, opt out, quitclaim, and waive ANY and ALL insinuated and or direct permission to Experian and the following companies that are listed below, to report these following items on my report. Experian is now aware of these revoked permissions and will now be held liable. I am requesting that the following items be deleted permanently and immediately, as via my right to exercise that nondisclosure option, as expressed in the FCRA 15 U.S. Code 6802 :

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 2022-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: TX

Complaint narrative:
Original Creditor : DISCOVER FINANCIAL SVCS ( Discover Card ) - who hired collection agency Attorney for Collections : XXXX XXXX XXXX of XXXX, TX XXXX ( new name of XXXX, XXXX, XXXX, XXXX, XXXX of XXXX, Texas XXXX ) I hired an attorney to help make payment plan, and avoid judgment. 

Payment Plan agreed ( XX/XX/XXXX, Agreed Judgment dated XX/XX/XXXX, Debt fully paid XXXX XX/XX/XXXX No communication from Plaintiff XXXX XXXX XXXX XXXX 

Fast forward : XX/XX/XXXX ( 7 years AFTER last payment was sent in to satisfy debt ) : My attorney contacted by XXXX et al threatening repeat collection action, judgment, discovery interviews, depositions - against the SAME DISCOVER BANK debt. 

This is a fishing expedition - trying to collect on past customers/clients/debtors who still own assets on record, and may be even against those that may have died in the intervening seven years. 

CAN THEY REALLY DO THAT??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
On or around XX/XX/XXXX Experian received a mailed dispute by certified mail regarding disputes that I attempted to file. In tradition with the previous ones I sent, which they acknowledge to have received on XX/XX/XXXX - XXXX sent verification of ID with a picture of my ID and Social Security Card. Today, XX/XX/XXXX I received an email that they are ignoring this request because they believe it was not sent or authorized by me. Despite that my ID and SS Card were attached, which is rediculous. 

When I called into customer service as directed by the email - nobody could understand why I received the email as no documents had been scanned under my file since my last XX/XX/XXXX dispute which is active and still pending. Receiving the email dated today can only signify that they received my request on XXXX and despite my documents are refusing to investigate because they believe it is not me. I am attaching their email along with my original request sent by certified mail and delivered. 

I see this as a stall tactic. Even if Experian believed it was not me, or " anyone authorized by me '', why would they not investigate claims mailed from my on-file home address and that have my Driver License and Social Security Card attached? Who " unauthorized '' or " not me '' would have access to color copies of my license and social security card unless it was " myself '' or " someone authorized ''?

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 2022-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: CO

Complaint narrative:
On Thursday, XX/XX/XXXX I checked my credit report and saw an account was opened in my name for {$450.00} by XXXX XXXX in Texas. The account was activated XX/XX/XXXX and closed XX/XX/XXXX. I have been living in Colorado for 3 years - never in Texas. I contacted XXXX XXXX on XX/XX/XXXX at XXXX. They informed to file an FTC report and a police report. I will also be disputing it with XXXX and XXXX. XXXX XXXX has also started an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: 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. 
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 response to consumer: Closed with explanation