vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-30 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: OK

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 name : # XXXX, Account name : # XXXX, Account name : # 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 2022-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America owes me money for my unemployment history of hard work a debit card that was issued to me by Bank of America from EDD Was hacked now I have gone back-and-forth with Bank of America each car lasting up to more than an hour explaining the same things over and over come to find out they can not mail me a new card to my address. I recently sent them a demand letter but I also need to file a complaint with your organization.

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 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
I've been trying to get this charged off account removed since XXXX, this account is showing inaccuracies, wrong dates and wrong amounts owed is not matching, this account clearly shows that it's been charged off and debt was sold, this been appearing since 2017 and it's been a nightmare trying to repair my credit just to be financially stable for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Cascade CISS Holdings, LLC
State: MD

Complaint narrative:
I've been trying to get this charged off account removed since XXXX, this account is showing inaccuracies, wrong dates and wrong amounts owed is not matching, this account clearly shows that it's been charged off and debt was sold, this been appearing since 2017 and it's been a nightmare trying to repair my credit just to be financially stable for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is to inform you that EXPERIAN unlawfully reported an unauthorized inquiry on my consumer report. I have not given them permission to access my credit profile and they have no permissible purpose by law to contact third parties with my private or personal information. Their offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

XX/XX/2022, XX/XX/2022, XX/XX/2022 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

Also, Experian did not follow METRO 2 COMPLIANCE LAWS when they put these violations on my consumer report, and I DEMAND THAT THEY BE REMOVED EFFECTIVE IMMEDIATELY.

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 2022-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
This concerns my attempt to help 2 of my friends cash their savings bonds. Their names are slightly incorrect on the bonds so their bank would not cash the bonds for them. I contacted the Dept. of Treasury ( DOTR ) and got the forms and instructions to resolve this situation. Their forms to use are FS Form 0385 and FS Form 1522. The process according to DOTR instructions is this : I fill out the appropriate form and take it to my bank or financial institution and they are to XXXX XXXX my signature ( verifying I am who I am with proper identification ). A notary stamp will not do. After that, my friends are to fill out their forms ( which I sign also ) stating that their names on the bonds are slightly incorrect and they are actually the person on the bonds. Interestingly enough, they do not have to have their signatures notarized or XXXX XXXX since the amount of their bonds are less than {$1000.00}. So the DOTR has this clear cut process whereby I am certifying who these people are so that these they can cash their bonds. However, my bank, Truist Bank, that has the XXXX XXXX, refuses to use it on my signature in compliance with the DOTR procedure. They refuse to do this because ( get this! ) they have not seen this process before so they won't look into it and do their required job. I have never seen this process before either but I took the time to it learn about it and follow the DOTR instructions to resolve this problem. The people at my Truist Bank XXXX location that refuse to help me are : XXXX XXXX, XXXX, XXXX ; and XXXX XXXX, XXXX, XXXX. Please help me!

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 2022-12-30 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: CT

Complaint narrative:
On XX/XX/XXXX, Equifax, XXXX and XXXX dropped my credit score XXXX  XXXX  simply because my XXXX XXXX credit card balance decreased from XXXX to XXXX. How can they do that? It sounds like they are penalizing me for being a responsible consumer. I thought score drops applied only when a consumer misses or makes late payments, not someone like me who has a 100 % on time payment history. I demand they restore my credit score at once or legal action will be taken against all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: IL

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.

1. XXXX OF XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2022-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXXrd party data furnishers.

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 2022-12-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXXrd party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Greetings, at the end of my current lease of a XXXX XXXX from XXXX XXXX in XXXX, MD, instead of opting to purchase a new car and therefore a new lease. I opted to keep my current vehicle. On that day XX/XX/2022, hard credit pulls were taken from the following entities : XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX All of these hard pull credit inquiries were made on the same day, from the same location for the same purpose. Instead of having 5 or 6 hard pull inquiries, it should be considered as just 1 credit inquiry, because they all pertain to the same vehicle on the same day. I had no idea that the dealership was shopping around with my credit report, for a car I already was leasing and making timely payments on for 3 years. Each one of these will remain on my credit report for 2 years. It gives the impression that I was shopping around. Again, these inquiries should be consolidated into one maybe two inquires and not 5 or 6 hard pulls from the same transaction, on the same day, at the same dealership. I was always under the impression, that if inquiries were made within the same time period ( Day ), they would only count as 1 hard pull. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CO

Complaint narrative:
My account was charged {$40.00} on XXXX at XXXX by a company that shows up as " XXXX Tx Verify '' with " XXXX., WY, XXXX '' as the description. Assuming the location is in Wyoming, as I've never heard of or dealt with this business. I am in and live in XXXX, Colorado, and had transactions literally 2 hours before this one at a XXXX gas station, where I put fuel in my wifes truck for the amount of {$45.00} exactly, which she sent me that same amount back to my account within 3 minutes. 

When I disputed the claim, XXXX  is now saying this is a " funding event '' for the fraudulent charge, even though clearly it was for the {$45.00} spent immediately prior. 

Now they're refusing my claim again after I asked for review from providing this information, questioning their competence and reading comprehension, stating it's denied due to " account history, spending history with the merchant/recipient, transaction data '' but can not, or will not, provide details of any prior history. 

My fraud claim is being denied again and I doubt they're even looking at it, because I was under the impression that if I didn't make the purchase ( clearly I didn't here ) I wasn't liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: Experian Information Solutions Inc.
State: IL

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. XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2022-12-30 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: IL

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX is reporting to my credit bureaus that I was late multiple times on my lease payments but I NEVER was! I have always paid on time. I have my payment set up on their account for autopay. They draft my payments directly. This is hurting my credit score and my ability to get a car loan to buy out the lease so that I do not have to deal with their fraud anymore. They have already been fined by the government for this exact thing before and they are doing it again. 

I have attached a screenshot of the fraud on my credit report and I have attached my payment history that clearly shows I paid on time every month.

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 2022-12-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Thrifty Loans, LLC
State: LA

Complaint narrative:
On XX/XX/XXXX Thrifty Loans located at XXXX XXXX XXXX, XXXX, LA XXXX ask for my permission to have a payday loan fee of {$55.00} taken out of my bank account. I authorize this transaction to take place on XX/XX/XXXX. There are XXXX payday loans taken out in my name at this location. XXXX payday loan fee is {$55.00} which is due the XXXX of the month. The XXXX payday loan fee for {$55.00} is due the last day of the month. The same Thrifty loans employee contacted me again asking for another payment of {$55.00} on XX/XX/XXXX. I advised her that the payment should've been paid on XX/XX/XXXX already. This set off an alarm for me so I pulled up my bank transaction history and realize that XXXX payments of {$55.00} each were taken out my account by Thrifty Loans on XX/XX/XXXX. I immediately contacted Thrifty Loans employee by phone on XX/XX/XXXX to explain that a refund should be processed because the employee over charged me. The employee stated that her manager sent her an email and the refund was already being processed. On XX/XX/XXXX I received an text message from the same Thrifty Loans employee from XXXX at XXXX " ok my boss said instead of reversing the charge they just gon na use it on your next payment due date. '' I immediately responded and declined. I advised the employee to again issue a refund for the {$55.00} that was charged to my bank account without my permission. On XX/XX/XXXX I recieved another text at XXXX " ok I will see what they can do because it was a card payment not cash let me get with my boss. You don't come back in until XX/XX/XXXX and XX/XX/XXXX. '' I replied at XXXX XXXX again asking that the company reverse the unauthorize payment of {$55.00} that was charged to my account on XX/XX/XXXX. The employee text me at XXXX XXXX " i will reach out to my boss to see what can be done but a refund is going to take XXXX business days it depends on your bank. '' I responded " I wish the refund was processed on XX/XX/XXXX per my request. '' I have called the Thrifty Loans in XXXX XXXX, LA and spoke to XXXX on XX/XX/XXXX and again on XX/XX/XXXX to see if she can get the manager XXXX to solve this issue. I also called the Thrifty Loans located in XXXX, LA and left another message for the manager to contact me. I was able to get the manager personal cell phone which I've called and text her on XX/XX/XXXX. No one from the company has reached out to resolve this issue and as of XX/XX/XXXX I have not been issued a {$55.00} refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2022-12-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company response to consumer: Closed with explanation