vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : REPUBLIC/NC

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 2024-12-16 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: Portfolio Recovery Associates, LLC
State: AL

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. List the account name here with the account # ( Do not list over XXXX accounts and XXXX inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent. Type this out exactly in this box of you want to input your info and remove instructional verbiage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an
incorrect late payment record on my XXXX XXXX XXXX [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

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 2024-12-16 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax continues to reinsert inaccurate previously deleted Nebraska XXXX XXXX account XXXX and XXXX previously deleted non account Inquiries. Child support is not a Consumer credit transaction therefore should not be reported. 
XXXX XXXX XXXX XXXX XXXX Main XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Subject : Complaint Against Bank of America for Violating the Expedited Funds Availability Act ( EFAA ) Dear Sir or Madam, I am writing to file a formal complaint against Bank of America for placing unreasonable holds on cashiers checks I deposited, in violation of the Expedited Funds Availability Act ( EFAA ) and Regulation CC.

Details of the Issue On XX/XX/year> {$7200.00} XXXX XXXX {$6200.00} XX/XX/year> {$11000.00} XX/XX/year> {$2500.00} XXXX XXXX {$7200.00} XX/XX/year> {$1000.00} I deposited both cashiers checks and regular checks in the amounts listed above into my account at Bank of America. Despite the clear provisions of the EFAA requiring next-day availability for cashiers checks, Bank of America placed a hold on my funds for 7days, delaying access to my money unnecessarily.

When I inquired about the reason for the hold, I was given a vague explanation that did not align with the exceptions allowed under Regulation CC.

Specifically : The cashiers check ( s ) were properly endorsed and deposited into my account, meeting the criteria for next-day availability.

There was no legitimate reason for an extended hold, such as a new account, repeated overdrafts, or suspicion of fraud.

Bank of America failed to provide a valid justification for the extended hold and did not inform me of when the funds would be made available until I pressed for further clarification. This caused significant financial inconvenience and hardship, as I was unable to access funds needed for [ specific purpose, e.g., paying bills, meeting obligations.

Violation of the Expedited Funds Availability Act Bank of Americas actions are in direct violation of the EFAA and Regulation CC, which require that : 1. Cashiers checks deposited in person must be made available for 2. withdrawal by the next business day, unless a valid exception applies.

3. If an exception applies, the bank must notify the depositor of the hold, provide a reason, and specify when the funds will be available.

Bank of America failed to meet these requirements, resulting in unnecessary delays and financial hardship.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX 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 2024-12-16 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: PA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account name : XXXX  Account number : XXXX 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 2024-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tri-State Adjustments, Inc.
State: WI

Complaint narrative:
In XX/XX/XXXX, my son hurt his XXXX  and needed a wheelchair from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX XXXX XXXX provided one to rent. We returned the wheelchair to them in XX/XX/XXXX when finished In XX/XX/XXXX, I received a bill with recent charges from XX/XX/XXXX & called the company. They said they had no record of the wheelchair being returned. I told them when & where I returned it. They didn't give a receipt to me, but I thought it was taken care of, because I didn't have any problems or communication with them for over 2 years.

My son has since become an adult & although the bill is in my name, they wouldn't help me because there was
no HIPAA release. They closed my concern the several times I called & continued to charge me rent for the wheelchair. A " regional manager '' called me back on one occasion and said it would be " taken care of '', yet shortly later, I received a letter from a 3rd party debt collector. ( I have called them and informed them of the situation as well. ) XXXX XXXX XXXX XXXX is calling me & my husband non-stop & sends me past due statements every month, everytime I call, or anytime we answer their phone calls. We have received 3 statements in one week, much more frequently than the monthly billing cycle. I monitor my credit constantly because I fear they will falsely 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 explanation
Consumer complaint received 2024-12-16 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: AR

Complaint narrative:
My information has been expose in A DATA BREECH, # ( 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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: MN

Complaint narrative:
I am entitled to a refund in the amount of {$130.00} from affirm/shoppay over an installment loan where the product was returned and the merchant ( quoddy.com ) issued a refund. For reasons which are beyond me, this refund was issued via check on XXXX XXXX, 2024. I was told that this refund would take approximately 30 days to arrive at my postal address. As of today, XXXX XXXX, I have yet to receive this check. My numerous attempts to reach out to affirm 's customer service have been fruitlessthe overseas customer service reps simply mention that the check has been cut and mailed, but at no point am I told when I can expect this money. This is dishonest and deceitful. I have no idea if any check has been cut, or if I will be receiving the money which I am owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello. I am trying to lease a car and the car company requires that I unfreeze my Experian credit report. I have the PIN Experian gave me years ago but I am unable to log into its portal in order to unfreeze the report. Via email and over 40 phone calls to its various numbers, I have been unable to reach a person to help with this. When I try to use the automated systems, it claims it is sending a temporary PIN to my phone number but I have never received any. I have tried three different web browsers with no luck. I believe the issue may be that Experian has a different phone number on record for me and perhaps that's why I am not receiving the temporary codes it claims to have sent. That said, when I request information about the log in process, it sends that to my phone, but not the temporary PIN. I have emailed them twice with no response. There seems to be no way to reach a human being to help with this issue. When I call, the automated phone line sees that I've been having a problem logging in, but then only offers me the suggestion to log in to fix it, which of course I can not do. I am under a very tight deadline to lease this auto by years end and yet I do not have access to MY credit report because this company has taken no responsibility to staff accordingly to help with issues such as these. What's more, the only published phone numbers for Experian all lead to the same useless phone tree and do not offer any technical support or the ability to speak with a human being. I will likely not be able to lease this car because of this company 's despicably inexistent consumer support. All I want is to reach a human by phone or email or text who can help me log on to the Experian portal. That I have spent 10 hours already on this, including calling my state senator, NY State Consumer Affairs, FTC and CFPB, and am not able to get any help at all is very upsetting to say the least, and an example of despicable corporate irresponsibility.

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 2024-12-16 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:
INACCURATE AND UNVERIFIABLE INFORMTION IS BEING REPORTED ON MY CREDIT FILE.

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 2024-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On Tuesday, XX/XX/year>, I initiated a {$1000.00} transfer from my Capital One account to a connected external account at XXXX XXXX XXXX. The funds were withdrawn from my Capital One account six days ago, but they have not been deposited into my XXXX account. 

I contacted XXXX XXXX XXXX, and they confirmed that no incoming transfer is visible on their end. I also reached out to Capital One Customer Service, where an agent verified that the XXXX account details associated with the transfer are 100 % correct, confirming that the issue is not due to incorrect account information. However, the funds remain missing. 

During my call with Capital One, I was told that I needed to claim the transaction was unauthorized in order to recover the funds. This is not true, as I did authorize this transfer, which was intended for my own XXXX checking account. 

The fact that {$1000.00} can go missing for this long between two connected accounts is deeply concerning, and I have not received adequate support to resolve this issue. I rely on this money and request immediate assistance to recover my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Congress states that Late payments are excluded from Consumer credit FilesXXXX XXXX XXXX XXXX XXXX XXXX XXXX are furnishing inaccurate unauthorized Late payments information on my credit Files. 
XXXX XXXX account # XXXX XX/XX/year>XXXX XXXX XXXXXXXX XXXX XXXX  account # XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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