vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 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 Reporting act XXXX XXXX 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 an account without my written instructions.

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 2024-01-23 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: TX

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

US Dept of EducationXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute certain accounts on my credit report that I believe are a result of fraudulent activity. I kindly request a thorough investigation into these accounts and their prompt removal from my credit report. XXXX XXXX XXXX, XXXX - XXXX XXXX  XXXX and XXXX XXXX XXXX  XXXX Attached, please find identity theft reports that clearly indicate the fraudulent nature of these accounts. I request written confirmation of the investigation results and the removal of these fraudulent accounts within the statutory timeframe as outlined in the Fair Credit Reporting Act ( FCRA ).

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 2024-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have written three times and called Experian, explaining they are reporting an account that has been transferred and should show as close. In stand, they are reporting the account twice. I have given them documentation of my total student loans and they still have not corrected the report. 

I have written three-letter and each time the information has not changed. The two accounts have the same information. My only option at this point is to file a suit against Experian for publishing a false credit report under my name FAILURE to COMPLIANCE with REPORTING LAWS, certainly, the METRO 2 Data Formatted Reporting Regulatory Standards although the XXXX XXXX XXXX is DESCRIBED as being a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting to create an accurate report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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 Reporting act XXXX XXXX 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 an account without my written instructions.

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effectively immediately. I am attaching proof that Equifax admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. List all these negative accounts from your Equafax credit reports. account names and account numbers and file your complaint with the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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 Reporting act XXXX XXXX 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 an account without my written instructions.

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 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citibank said process of returning funds to the issuing bank only takes 2 weeks but its been couple months they havent returned the funds that I deposited to them they refused to release it to me, and they said theyll return that to the issuer but until now theyre holding my money which is the {$1700.00}. The last email they sent me they said they dont have update, I responded to their email but they havent responded. Its very frustrating theyve been lying to me and not resolving the issue. this happened since XX/XX/2023 and until now they havent returned my money. Ive been contacting the issuer if they receive the funds but still no.

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 2024-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX the companies were unable to validate the alleged debt reported to consumer reporting agencies with any endorsed contract between the consumer and original creditor. Which prompted the remittance of the following notice the next month : Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and nonverbal per 15 USC 6802. Promptly delete my information from all your reports submitted to third parties in compliance with the Privacy Act of 1974.

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 2024-01-23 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: MA

Complaint narrative:
Dear Sir/Madam, I am writing to bring to your attention a fraudulent transaction that was made from my account on XXXX. I was shocked to discover that {$1000.00} was withdrawn from my account without my authorization or knowledge. Upon discovering this unauthorized activity, I immediately contacted Bank of America to report the fraudlent transaction .After that, XXXX I discovered {$440.00} another fraud transaction on my wife account .Most part of this money were pending when we called the Bank. We called immediately Bank of America customer service again and report the fraud transaction. Firstly, They open claim and paidback my money, however, XX/XX/XXXX, I got some letters from Bank Of America, I have attached a copy of them. 
I discovered from Bank research XXXX an account had been created on XXXX  XXXX  in my name without my knowledge or consent. Subsequently, XXXX tickets for a XXXX XXXX concert on XXXX were purchased using my Bank Of America credit card XXXX amounting to a total of {$1000.00} XXXX contacted to Bank of America again and explained my situation and also I field a police report to document the incident .To my dismay, despite these efforts, the issue persisted. 
I also reached out XXXX XXXX Customer service to address the situation .However, during our communication, they claimed to have sent verification emails and asserted that the tickets had been delivered to my mailbox .I explained them I have not received any such emails, and the tickets were never delivered to my address .After that XXXX XXXX offered me 2 alternative tickets for a different event for selling and getting money .I found this solution inadequate and I did not accept their offer because I never bought any tickets from their website. Then, I went different time to Bank of America for solving this problem. However I did not get any helpful step and Bank offered me I should to pay back {$130.00} for my credit score. And at the same time Bank Of America sent new message to my wife email address about my wife claim XXXX. They did not send any information about my wife fraud transaction but they demand {$440.00} pay back. 
In addition, I have filed a police report and attached a copy for your reference. 
Please investigate this matter urgently and keep me informed of the progress of your investigation. I would appreciate a prompt resolution to this issue. 
Thank you for your attention to 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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello & Greetings! 
My information was sold and bought illegally because I was a victim of the Equifax data breach. 
I want these items Deleted from credit reports effective immediately. 
I am attaching proof that Equifax has admitted that I was infact a victim of this data breach and Equifax has done nothing. 
Please help me delete these illegal accounts from credit reports. 
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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have the care credit card through synchrony bank. They increased my spending limit. Then I receive an email stating that they decreased my limit. I talked to a representative on XX/XX/XXXX. He stated that XXXX sent my credit report to them and that is why decreased my spending limit. I said what is wrong with my credit. I've been paying all my creditors on time and I pay extra each month. The representative said it was for lack of real-estate. They told me they have no control over this that its XXXX decision to send them my credit information, and I need to contact them and ask what lack of real-estate means. The representative said they can do whatever they want. He said its in the disclosure. I said you dropped my credit score significantly by decreasing my limit. He said then cancel your card. That was his answer.

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 2024-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: REGAL CREDIT CORPORATION
State: LA

Complaint narrative:
Regal Credit, I was in a financial hardship and company basically tried to threaten me with law suit to garnish my credit. Wants me to pay lawyer court fees and interest and we never went to court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP
State: GA

Complaint narrative:
Credit card by US Bank Kroger Mastercard was opened and items added up to {$20000.00}. The person closed the account and opened up multiple accounts even after I called and said these charges were fraudulent. US Bank said a second card was opened and had additional charges of {$20000.00}. So, in total per US Bank it was a total of {$40000.00} between the 2 cards. Also, My personal bank at XXXX XXXX XXXX was attacked and they attempted to get money from my personal checking account. The person was XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. Cell number from XXXX XXXX, ( XXXX ) XXXX. 
I received some information on the charges and I was promised all the information and I signed a sheet saying the items were not charged by me. I received letters from XXXX and XXXX, XXXX XXXX XXXX, Ext XXXX and Ext XXXX. I talked to XXXX several times and promised all the information and I still have not received all the charge information I need additional information to file a police report so this can be complete on my credit reports and also to see if charges can be filed. This has been a long process and US Bank was helpful at first but I can not get all the information that is needed now.

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 2024-01-23 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 Reporting act XXXX # 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 an account without my written instructions.

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 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Hi, I am writing to bring to your attention a dispute I am currently facing with Bank of America regarding fraudulent charges on my account. I believe your intervention may be necessary to help resolve this matter. 

On XX/XX/XXXX, my Bank of America card was allegedly used to make a purchase at XXXX XXXX in XXXX, WA, amounting to {$360.00}. However, I can confirm that I was out of town on business in Iowa during this time, and my card was in my possession the entire period, securely stored in my wallet. 

Immediately after the suspicious charge, Bank of America flagged the transaction, along with several others, as potentially fraudulent. I received timely notifications via text messaging, and I promptly confirmed these charges as fraudulent. Subsequently, on XX/XX/XXXX, I contacted Bank of America 's fraud department and initiated a discussion regarding the unauthorized transactions. The bank assigned claim number XXXX to this case. 

To my dismay, the very next day, on XX/XX/XXXX, Bank of America surprisingly and without clear explanation, denied my claim, absolving themselves of any responsibility and leaving me liable for the fraudulent charges. This has resulted in an unjust financial burden and has significantly impacted my confidence in the security measures provided by the bank. 

I request your intervention to help me with this claim with Bank of America. 

Thank you, 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 monetary relief
Consumer complaint received 2024-01-23 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX the company 's received notice from the consumer to remove all personal information regarding transactions and experiences between parties from all reports delivered to third party agencies. Upon their failure to comply additional notice was delivered as followed : Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and nonverbal per 15 USC 6802. Promptly remove all our transaction and experience details from credit reports immediately and indefinitely. Your current malpractice is a violation of the Privacy Act of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
Subject : Cease and Desist Communication and Removal of Unauthorized Account from Credit Report Dear TBOMXXXX/FORTIVA, I am writing to express my utmost concern and disappointment regarding your recent actions in relation to my account. I have discovered that you, as a debt collector, have accessed my non-personal information without my consent. This not only constitutes a serious breach of privacy but also raises the alarming possibility of identity fraud. 

I want to bring to your attention that I am not obligated to pay the debt you are pursuing, as I have already made the necessary payments. Your attempt to coerce me into making additional payments is not only unfounded but also an egregious violation of my rights as a consumer. 

Furthermore, I have noticed that TBOM/XXXX/FORTIVA has added an account to my credit report without my authorization. I would like to emphasize that even in the case of permissible purpose, the consent of the consumer is still required. I explicitly do not give my consent, and therefore, TBOM/XXXXFORTIVA should be immediately removed from my credit report to rectify this invasion of my privacy. 

In accordance with Texas-specific laws, including but not limited to the Texas Finance Code 392.202, I demand that you cease and desist all communication with me. Your unauthorized access to my personal information and the subsequent attempts to collect a debt I do not owe are clear violations of my rights.

Moreover, your actions may also be in violation of federal laws, such as the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I request that you provide documentation supporting your claim and explain the basis for the unauthorized entry on my credit report. Failure to comply with these demands within [ a reasonable time frame, e.g., 30 days ] will leave me with no choice but to pursue legal action against TBOM/XXXX/FORTIVA. 

I strongly advise you to rectify this situation promptly by ceasing all communication and removing any unauthorized entries from my credit report. I expect your immediate attention to this matter to avoid further legal action. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation