vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/year>, I purchased spices and dried fruit at the spice market in XXXX, XXXX. I used my XXXX to pay through my Bank of America Visa card. The charge was for XXXX Turkish lira ( {$38.00} ). The merchant informed me that the transaction did not go through and that I needed to do it again. I was duped, the merchant then ran through a new charge of XXXX Turkish lira ( {$340.00} ). I didn't realize this until I returned home and saw it on my monthly B of A Visa statement. I initiated a dispute for the second fraudulent transaction of {$340.00} with Bank of America on XX/XX/year>. Bank of America sent me a letter ( attached ) stating that they would investigate with the merchant 's bank in XXXX ( XXXX XXXX XXXX XXXX  ). On XX/XX/year>, Bank of America notified me that my claim was denied and re-posted the {$340.00} fraudulent charge to my XXXX statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
personal information has been exposed. i have recevied a ridiculas amount of unsolizdted offers

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
personal information has been exposed. i have recevied a ridiculas amount of unsolizdted offers

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

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 2024-12-21 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: 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 USC 1681. 


Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I just paid the renewal fee for my American Express, after I realize the credit card pretty much misleading me for many years on the cell phone coverage I called them to cancel the card and from them to issue refund on my annual fee of {$690.00}. and they totally declined to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: AR

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The balance of {$2500.00} was written off as I was In repossession status. I paid this amount in full and the company sent my the vehicle title. They have not reported on my credit report that this was paid and I have disputed this twice through ExperianXXXX however there is no change to my credit report. I am asking that my credit file be updated to reflect that this amount was paid in full by myself, or have it removed as it is inaccurate information that is being reported.

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 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I deposit a check from the department of treasury, it was my tax refund and I dont normally get checks that amount BUT I had gone in with the check, and they confirmed it was authentic, then I left to go home with my deposit slip and they closed my bank before I got home, they didnt cancel the payment and give me back my check, and they have not sent my money. So they took almost XXXX from me and refuse to give me any sort of answers of resolution

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 2024-12-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year> I gotten into a fatal car accident in a car rental giving to me by XXXX. The accident made world news due to the fact that XXXX gave me a defective vehicle. On XX/XX/year> XXXX told me to stop payment on any future charges. XX/XX/year> I called the bank to do just that. The bank did the investigation and it turned out in my favor. The only problem with this complaint is that not only the bank re-opened the claim XXXX times after resolving it. I was told to not be bothered by the claim nor the negative amount it impacted onto my account. However, the claim did impacted my account and now was forced closed on XX/XX/year>. This is the failed, rude, and incompetent banking system of BOA..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting 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:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame.

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 2024-12-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Tilt Finance, Inc.
State: LA

Complaint narrative:
I payed back a advance of XXXX that was dented from my account. I tried to get another cash advance but it stated that I did not pay back the previous advance. I contact Empower through email but they said that it was a glitch in the system and that I still owe them XXXX dollars. I screen shoot my account showing them that the money was drafted from my account. But they keep emailing me back that I missed my pay back and that I still owe them XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts : XXXX  XXXX balance {$6700.00} XXXX XXXX balance {$3300.00}

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 2024-12-21 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
Received an alert notification of a hard inquiry. I didnt authorize any inquiry onto my credit report. This needs to be removed immediately. on Experian credit report. 

XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX 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 2024-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
We had a 30 year fixed mortgage through Bank of America since XXXX for our home. We recently sold our home which paid this mortgage off on XX/XX/XXXX. There is an escrow balance held by Bank of America in the amount of {$6100.00}. 

I have inquired to Bank of America Mortgage Services Customer Service on multiple accounts regarding the timely return and status updates of our escrow balance. I have called on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I was initially told that the escrow amount would take 20 business days from the time the loan was paid off to be returned. This would have given Bank of America a deadline of XX/XX/XXXX to return the escrow amount. I was told that the amount was sent out on XX/XX/XXXX. It was sent via USPS with non-trackable postage. I have not received this check as of XX/XX/XXXX. I was told that if I has not received the check by XX/XX/XXXX, a new check could be resent. 

When I called on XX/XX/XXXX, my concern was being elevated to a supervisor with my request that the funds be electronically ACH transferred to my checking. I requested a call from the supervisor. 

I believe my concerns have not been addressed by Bank of America. All I would like is my escrow balance of {$6100.00} be returned to us. There should be no reason why a large banking institution such as Bank of America take 20 business days to return funds rightfully owed to us as customers. I am concerned that Bank of America intentionally holds onto these funds for their own benefit of collecting interest investment income on this money. 

We need help. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-21 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: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: VA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX AUTHORIZED USER Balance {$23000.00} Balance updated XX/XX/XXXX Credit limit {$30000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card XXXX XXXX XXXX Balance {$5000.00} Balance updated XX/XX/XXXX Credit limit {$5000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card Credit usage - % credit usage unavailable Balance {$17000.00} Balance updated XX/XX/XXXX Credit limit -Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX, XXXX XXXX Balance details Balance {$1200.00} Balance updated XX/XX/XXXX Original balance {$1600.00} Account info Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured XXXX XXXX XXXXOriginal creditor XXXX XXXX XXXX XXXX XXXX Balance details 0 % paid off Balance {$1300.00} Balance updated XX/XX/XXXX Original balance {$1300.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinve
stigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX AUTHORIZED USER Balance {$23000.00} Balance updated XX/XX/XXXX Credit limit {$30000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card XXXX XXXX XXXX Balance {$5000.00} XXXX XXXX XX/XX/XXXX Credit limit {$5000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card Credit usage - % credit usage unavailable Balance {$17000.00} Balance updated XX/XX/XXXX Credit limit -Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX, XXXX XXXX Balance details Balance {$1200.00} Balance updated XX/XX/XXXX Original balance {$1600.00} Account info Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured XXXX XXXX XXXXOriginal creditor : XXXX XXXX XXXX XXXX  Balance details 0 % paid off Balance {$1300.00} Balance updated XX/XX/XXXX Original balance {$1300.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX 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