vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/XXXX Received a text that looked identical to Bank of America texts we get when there is suspicious activity with our account. The text included on the text asked if we authorized a XXXX transaction of {$290.00} and showed below this a XXXX XXXX, {$9400.00} Pre-Authorized, XX/XX/XXXX. We declined by saying no and then we immediately got a phone call from someone posing as a BOA representative. The caller ID had BANK OF AMERICA on it so we thought it was an actual BOA rep. The caller stated that there was a XXXX transaction, as mentioned above, and there was a wire transaction of {$9400.00} made from our account and the person recommended cancelling our debit card to our account and reversing the wire transaction. They walked us through the steps to do this and we should have the money back within XXXX hours. Nothing seemed suspicious at all. Received a text exactly like we do with real texts from BOA and received a call with a BANK OF AMERICA caller ID on our phone. On this date, {$9400.00} was taken out of our BOA savings account. The next day, XX/XX/XXXX, {$5100.00} was taken out of our BOA checking account for a loss of {$14000.00} + XXXX {$30.00} wire transaction fees. We have never wired any money in the XXXX years we have been BOA customers. Why this wasn't caught as suspicious activity and denied I have no idea, especially when I can go to my home town gas station and try to use my debit card and it get declined because of " suspicious activity ''. Makes no sense. When we actually talked to someone at BOA, they recommended us to fill out claim forms and return them to them. It took them XXXX days to get us the forms. We immediately filled them out and returned them. They told us that's all we needed to do. They told us the money was wired to a XXXX XXXX and they sent all the necessary forms to the XXXX XXXX department. It has been XXXX days since this happened. BOA has never contacted us to update us on all the money that was stolen from us. We have called the BOA XXXX department once a week to get updates. Throughout this process we have been told that both claims were under investigation. We were told later that they were no longer being investigated because they have been moved to " collections '' and they told us this was a good sign. Yesterday, they told us XXXX hasn't responded back to BOA and now BOA is going to have to resubmit the claims to XXXX again. This is ridiculous. There are XXXX active claims for this : XXXX ( savings account ) and XXXX ( checking account ). PLEASE help us get our money back.

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 2025-01-11 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: London & London
State: CT

Complaint narrative:
I've sent the below to both c/o companies and neither provided me with the valid information requested. I NEVER received any VALID documents requesting my presence in court. This should be against the law to now XXXX  years later send such foolishness to any courts to SUE me. I would never not respond to any court order this is just illegal and certainly damage to my credit file and working privacy the way that both entities have handled this. 

XX/XX/year> XXXXXXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Debt Verification Request Account Number : XXXX ( {$1200.00} Charge Off ) and XXXX ( {$2000.00} Charge Off ) To Whom It XXXX Concern, I am writing to formally request validation of the debt referenced above, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This letter is not a refusal to pay but a request for clarification and proof of the debt you claim I owe. 
Under the FDCPA, I am entitled to receive detailed information about this debt, including : XXXX. Verification of the debt : Proof that I am the individual responsible for this alleged debt. 
XXXX. The original creditor 's name and address : Documentation clearly identifying the original source of the debt. 
XXXX. The amount of the debt : An itemized accounting of the total balance, including principal, interest, fees, and other charges. 
XXXX. Evidence of your authority to collect : Proof that your agency has been authorized to collect on this debt, including any relevant contracts or agreements. 
XXXX. A copy of the original contract or agreement : If applicable, provide a copy of the contract or agreement I allegedly signed, which demonstrates my obligation to repay the debt. 

Additionally, under 15 U.S.C. 1692e ( 4 ), you are prohibited from using deceptive or misleading practices in your collection efforts. Until the debt is fully validated, I request that all collection activities related to this account cease immediately, as outlined in 15 U.S.C. 1692g ( b ). 

Please note that I am requesting all communication regarding this matter be conducted in writing and sent to the address listed above. If you can not provide the requested information, I expect you to cease collection efforts and promptly notify me in writing of the closure of this account. 

Failure to comply with these requirements may result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

Thank you for your prompt attention to this matter. I look forward to your response within the legally required timeframe of XXXX  days from your receipt of this letter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I wrote letters of dispute for collection accounts no original contracts were provided nor was my personal information was update with old information deleted I had been a victim of identity theft during XXXX. Requested alert and freeze non was applied and approved. In said letters I explained I was homeless during XXXX  for 3 years and my information was stolen in a shelter. I never received any information or updates to this but a letter stating they had a security breach and my information was once again compromised. These issues have caused me and my family severe credit and financial abuse to where I am unable to secure business grants and loans to grow my company. I no longer wish to have XXXX delete and remove all personal information from there data base. I request that they are not allowed or banned from accessing anything regarding my person

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 2025-01-11 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: AZ

Complaint narrative:
I wrote letters of dispute for collection accounts no original contracts were provided nor was my personal information was update with old information deleted I had been a victim of identity theft during XXXX. Requested alert and freeze non was applied and approved. In said letters I explained I was XXXX  during XXXX  for 3 years and my information was stolen in a shelter. I never received any information or updates to this but a letter stating they had a security breach and my information was once again compromised. These issues have caused me and my family severe credit and financial abuse to where I am unable to secure business grants and loans to grow my company. I no longer wish to have XXXX delete and remove all personal information from there data base. I request that they are not allowed or banned from accessing anything regarding my person

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing regarding the alleged debt ( XXXX ) appearing on my consumer report as a " charge-off. '' This communication serves as both a formal dispute under the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX XXXX XXXX XXXX and a request for compliance under the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX. XXXX ). If there are additional account details you believe pertain to this matter, I request that you provide those as well, as part of your obligation under XXXX XXXX. XXXX. 

Pursuant to XXXX XXXX. XXXX, I dispute the validity of this alleged debt and demand verification. Please provide : 1. Proof of the original creditors claim, including a full accounting of the debt 's origin, itemized charges, fees, and dates of transactions.

2. Evidence of your legal authority to collect this debt, including an unbroken chain of assignment or sale of the debt.

3. Documentation of my liability, specifically a signed contract or agreement demonstrating my consent to the debt and its terms. 
Until you can validate this debt with the required documentation, you are prohibited from any further collection activities, including reporting this debt to consumer reporting agencies, under XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-11 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
XXXX XXXX requested from GM Financial an audit review of our loan due to triple late fees added to our account and at end of loan requested transaction history showing the late fees assessment. GM Financial will not send transaction history of the late fee assessment. This loan has only XXXX late fee charge for entire XXXX ( XXXX ) years, & this was due to my husband being in hospital, etc. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: MD

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

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 2025-01-11 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXXXXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: NJ

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 non-monetary relief
Consumer complaint received 2025-01-11 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: NJ

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 2025-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I invested {$52000.00} with a company by PayPal, I have a contract. Now the company denied me, they didnt give me my money back, it was a scam, So i contacted with PayPal and I claimed for refund, PayPal has failed to acknowledge it. I told PayPal management on the call that they failed to protect and do any thing about the scam PayPal has their buyer protection, I think i am eligible for this, I field my claim within XXXX days, But they denied my case

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: FL

Complaint narrative:
I wan to report this company because I ask for a loan of {$550.00} and now I have to pay {$3300.00} I already paid the amount they gave and they put me in rate of % 699.9833 Im not paying that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX CARD # XXXX - DATE OPENED XX/XX/year>

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 2025-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
Portfolio Recovery calls all of the time about very old credit card debts that were charged off. They call on weekends, Sundays, holidays, late at night, and disrupt me during work as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  XXXX Account Name : XXXX  XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year>

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 2025-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the reporting of a bankruptcy associated with my credit file. Despite previous disputes and your claim that the item was " verified as accurate, '' I have confirmed directly with the court that this information is neither reported by nor verified through them. This constitutes a significant misrepresentation or error in your reinvestigation process and is a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), XXXX is required to perform a reasonable reinvestigation when a dispute is filed. By relying on unverifiable information attributed to the court, your investigation failed to meet this standard. Your response stated that the bankruptcy information was " verified with the court. '' However, the court explicitly confirmed that they do not provide any information to credit reporting agencies. This suggests either an error or a deliberate misrepresentation in your reinvestigation process.

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 2025-01-11 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: LEXISNEXIS
State: GA

Complaint narrative:
I am writing to dispute the reporting of a bankruptcy associated with my credit file. Despite previous disputes and your claim that the item was " verified as accurate, '' I have confirmed directly with the court that this information is neither reported by nor verified through them. This constitutes a significant misrepresentation or error in your reinvestigation process and is a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), XXXX is required to perform a reasonable reinvestigation when a dispute is filed. By relying on unverifiable information attributed to the court, your investigation failed to meet this standard. Your response stated that the bankruptcy information was " verified with the court. '' However, the court explicitly confirmed that they do not provide any information to credit reporting agencies. This suggests either an error or a deliberate misrepresentation in your reinvestigation process.

Company response to consumer: Closed with explanation