vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Banking while XXXX. 

My direct deposit went into my account so I went to the bank. Transfer {$500.00} to business account deposited {$23000.00} in. No big deal Later I checked my account and my transfer was marked as a cashed check not a transfer. 

The next day I went to take XXXX out and my arm card no longer working and saying that it was unavailable to me. 

I went into the teller where she accused me of chasing a fake check from my employer. I attempted to withdraw XXXX From the teller from my direct deposit and she classified the transaction as a cashed check that's on hold. 

I called customer service and reported the banking while XXXX incident and what the teller said to me and she hung up in my face. I can't use my funds

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 2024-11-08 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: ID Analytics, Inc.
State: MI

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Revolut Technologies Inc.
State: NV

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Revolut for engaging in aggressive, unfair, and deceptive business practices. Revolut charged me a non-refundable fee of XXXX XXXX for a check that I did not issue, and they refused to release any part of those funds to me. This charge was applied without any transparency, and despite my repeated efforts, their customer service has been completely unresponsive. 

Moreover, Revolut has gone to unethical lengths to shield themselves from accountability. Not only do they lack a physical bank presence or phone support, but they have also blatantly threatened to delay or disrupt the resolution process for any customer who dares to contact authorities like the XXXX or the Consumer Financial Protection Bureau. As if this were not enough, XXXX XXXX the screenshot feature within their app to prevent customers from capturing evidence of their statements. Despite this, I was able to document their actions by taking photos with another device. 

I am requesting immediate action and a full refund of the thirty-five dollars charged to my account. Revoluts practices need to be addressed to protect consumers from this unjust treatment. Their conduct demonstrates a serious lack of transparency and accountability, and I urge you to hold them accountable. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-11-08 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-11-08 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: NY

Complaint narrative:
To Whom It May Concern, I strongly disagree with the response to your investigation. Despite your investigation, the incorrect items listed below still remain on my credit report. I request that these items be immediately re-investigated due to valid reasons. These inaccuracies have a significant negative impact on my credit rating. 

Additionally, in compliance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I insist on receiving actual evidence of the information being verified, rather than a computer-generated confirmation. 

Please provide the following : The names and business addresses of each individual you verified the information with, so that I can follow up. 
The date on which you contacted the individual information furnishers. 
The method of communication used to verify the information. 
I also want to know if the furnisher provided you with my SSN, address, or DOB. 

Once you have completed your investigation and made the necessary corrections, please send me an updated credit report. 

Your cooperation and prompt attention are legally required.

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 2024-11-08 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: NC

Complaint narrative:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$260.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$150.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: CA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

I have attached the documents and IDTheftReportXXXX LATE PAYMENT Account Name : XXXX  Account # XXXX Date XXXX Balance Owed : {$0.00} Account Status : Closed Account Name : XXXX  Date XXXX Balance Owed : {$0.00} Account Status : Open INQUIRIES XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX  FINANCI XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA, Employers : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: VA

Complaint narrative:
I regularly monitor my credit report one day upon reviewing my current status of my credit report. I noticed there was an account from Source Receivables Management, which has significantly dropped My credit score by almost 100 points. Upon further review in further research, I never receive anything from this company stating that Ive entered into any agreement for contract regarding said Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: CA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

I have attached the documents and IDTheftReportXXXX LATE PAYMENT Account Name : XXXX  Account # XXXX Date XXXX Balance Owed : {$0.00} Account Status : Closed Account Name : XXXX  Date XXXX Balance Owed : {$0.00} Account Status : Open INQUIRIES XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX  FINANCI XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA, Employers : XXXX XXXX UNIVERSITY

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 2024-11-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Here 's a response to the CFPB 's question about what happened : -- - I am experiencing issues with inaccurate information on my credit report across XXXX, XXXX, and Equifax. Despite contacting each credit bureau directly to resolve these inaccuracies, they remain uncorrected. Specifically : 1. **Unauthorized Credit Inquiries** : Several inquiries were recorded without my authorization. These were noted on various dates between XXXX and XX/XX/XXXX. I have requested removal of these inquiries, but they have not been addressed by the bureaus. These inquiries impact my credit score and are not a result of any action taken by me. 

2. **Negative Account Inconsistencies ( XXXX XXXX ) ** : I have a charge-off account with XXXX XXXX that is reported inconsistently across the three bureaus. Key details such as the account balance, high balance, last activity date, and closed date vary between Equifax, XXXX, and XXXX. Under the Fair Credit Reporting Act, I requested that these inaccuracies be verified or corrected ; however, they remain unresolved. This incorrect information negatively impacts my credit profile. 

3. **Outdated Address Information** : Each bureau lists previous addresses that are no longer accurate. I have requested that only my current address, as of XX/XX/XXXX, be retained. The credit bureaus have not acted on this request, resulting in continued inaccurate reporting. 

I am seeking assistance from the CFPB to ensure that these issues are thoroughly reviewed, as the credit bureaus have failed to meet their obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ) to provide an accurate report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

I have attached the documents and IDTheftReportXXXX LATE PAYMENT Account Name : XXXX  Account # XXXX Date XXXX Balance Owed : {$0.00} Account Status : Closed Account Name : XXXX  Date XXXX Balance Owed : {$0.00} Account Status : Open INQUIRIES XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX  FINANCI XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA, Employers : 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 non-monetary relief
Consumer complaint received 2024-11-08 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: GA

Complaint narrative:
I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 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 an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-11-08 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: NY

Complaint narrative:
THE COMPANIES LISTED ON THE REPORT ARE IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2

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 2024-11-08 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-11-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Subject : Request for Removal of Paid Account Dispute Under 15 U.S. Code 1692 Dear XXXX, I am writing to formally dispute the reporting of an account that I have paid in full. This letter serves as a request for the removal of this account from my credit report under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ). 

The details of the account in question are as follows : - Account Number : XXXX - Original Creditor : XXXX  XXXX, XXXX. 
- Amount Paid : {$480.00} - Date Paid : XX/XX/2024 I have attached documentation confirming that this account was paid in full, including receipts and any relevant correspondence. Under the Fair Debt Collection Practices Act, I have the right to dispute any inaccuracies in my credit report, and since this account is marked as outstanding despite being resolved, it is inaccurate and potentially damaging to my credit profile. 

I kindly request that you investigate this matter and remove this account from my credit report. I would appreciate your prompt attention to this matter and a written confirmation of the removal once it has been processed. 

Should you require any additional information to facilitate this process, please do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Attachments : - Proof of Payment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Toyota Financial Services was concealing or making it difficult for customers online is never disclosing on any paper billing statement required TILA information such as the interest rate of the loan, the term of the loan, the amount payment of that goes to principal and the amount going to interest, and the amount of the original loan. 

Each bill that does not clearly disclose is a violation of from XXXX AI " Truth in Lending Act, or TILA, also known as regulation Z, requires lenders to disclose information about all charges and fees associated with a loan. This 1968 federal law was created to promote honesty and clarity by requiring lenders to disclose terms and costs of consumer credit. '' Every month the borrower has no idea how much each payment is applied to principal and how much is applied to interest. The billing statement does not give the original loan amount and interest rate, it does disclose the balance and number of payments that have been made.

Company response to consumer: Closed with explanation