vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Bank of America ATM ID : XXXX at XXXX XXXX EST on XX/XX/year> began processing a withdrawal from my XXXX account in the amount of {$450.00} plus {$6.00} in out of network ATM fees. The funds were withdrawn from the XXXX account. The Bank of America ATM dispensed my card and began the process to dispense the cash. I selected the option for the ATM to choose the type of bills for me. The ATM was louder than usual and sounded empty. An error message displayed on the screen indicating that there was an issue dispensing the cash and that the transaction had been canceled. The ATM screen said to note the ATM ID and contact the bank to report the issue. I called Bank of America, which I am a customer of. I planned to withdraw the cash from the XXXX account and deposit it into my Bank of America account. Customer service logged the ATM ID and stated that the funds would automatically be reversed in 1 to 2 days. The problem is that the money is need for rent that is due today, XX/XX/XXXX with no grace period. XXXX customer service stated that the reversal my take up to 5 days. Bank of America indicated that nothing can be done if I incur fees for the late rent since the canceled withdrawal was not from my Bank of America account.

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 2024-05-01 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: KY

Complaint narrative:
I reviewed my current credit report from XXXX, TransUnion & XXXX and it seem to have inaccurate information and fraudulent accounts on my credit report with all credit bureaus. As a consumer this is holding me back to get a house for my family.

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 2024-05-01 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: KY

Complaint narrative:
I reviewed my current credit report from XXXX, XXXX & Equifax and it seem to have inaccurate information and fraudulent accounts on my credit report with all credit bureaus. As a consumer this is holding me back to get a house for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: OH

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit 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 non-monetary relief
Consumer complaint received 2024-05-01 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: IN

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item listed below for me to ensure accuracy. XXXX XXXX ACCT # : 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 2024-05-01 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately that I have not ever even opened. its says somethings about having two late payments on an account that in fact could have been paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/year> I'm now requesting you investigate and provide verifiable proof with records showing that their were late payments. If this information can not be verified I demand these payments be updated to paid on time immediately or removed Thank you for your understanding and prompt action please Im begging Im only XXXX and this is considered fraud thank you so very much

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 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XXXX XXXX, we recieved emails from BOA that at least 5 separate ATM/debit charges were incurred. We notified BOA immediately and instructed that these charges were fraudulant. BOA was able to cancel 3 of the charges ( XXXX XXXX XXXX for {$230.00} ; XXXX  XXXX XXXX XXXX # XXXX, XXXX for {$500.00} ; and XXXX XXXX XXXX XXXX XXXX For {$500.00}. These were listed as purchase without pin. 

Two charges were paid and our account was charged : XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX ) for {$500.00} and XXXX XXXX # XXXX for Gasoline/fuel. 

We ONLY use our ATM card to get cash from BOA. We have NEVER used our ATM card to purchase items. Clearly, these are fraudulant charges as we were at the beach in Delaware on XX/XX/2024. 

BOA claims they investigated and denied our claim of fraud. Basically, they say we allowed our card or number to be used. Theft occurred, plain and simple.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX has turned an account over to a debt collector and it is on my credit report and is not mine. Ive had XXXX XXXX XXXX for years now and someone, I am assuming my ex, got something for over {$740.00} and used my name. Then did not pay. As you can see on my credit report I never apply for anything and trying to build my credit and only have one other company Ive ever used listed and in good standing. Ive asked to have this removed and disputed as well and instead they change the wording and said it is mine and it is not and I do not know how else to prove besides the fact that I do not owe debts and I pay my bills. Why would I open it one month and then never pay it. It shows it was opened and then that was it. If it was mine I think I would have used it longer than one month. I am tired of my credit being destroyed and I want to see my signature and identification or what they used to verify it was me when that was opened because I never did. They had to have something to verify identity to open that account and if not then why does their company make it so easy for people to obtain things in other peoples names. I just do not like having my credit ruined for something I did not do and them not to even listen to me multiple times now. I want something done because this is the only negative thing on my report and its stopping me from getting credit cards and loans that I need and worked hard towards them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately that I have not ever even opened. its says somethings about having two late payments on an account that in fact could have been paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/year> I'm now requesting you investigate and provide verifiable proof with records showing that their were late payments. If this information can not be verified I demand these payments be updated to paid on time immediately or removed Thank you for your understanding and prompt action please Im begging Im only XXXX and this is considered fraud thank you so very much

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 2024-05-01 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately that I have not ever even opened. its says somethings about having two late payments on an account that in fact could have been paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/2024 I'm now requesting you investigate and provide verifiable proof with records showing that their were late payments. If this information can not be verified I demand these payments be updated to paid on time immediately or removed Thank you for your understanding and prompt action please Im begging Im only XXXX and this is considered fraud thank you so very much

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: OH

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit 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 non-monetary relief
Consumer complaint received 2024-05-01 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: OH

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: IN

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item listed below for me to ensure accuracy. 
XXXX XXXX XXXX ACCT # : 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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-05-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: QC HOLDINGS INC
State: WI

Complaint narrative:
LendnationXXXX Told me on voice recording that I had a XXXX XXXX I have been trying to use this {$120.00} credit for a while now. Each time they keep refin asking and not giving me my {$120.00} credi had on. I have. 
Refinance this account twice and they still will not give me my credit. I was told by the first employee that works for then to try back the next following XXXX. Then XXXX of this year. I tried again.Still no credit.I was told by a young lady that I can't use it the critic at all but they keep going up enough but they don't want to give me my credit

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TradeStation Group, Inc.
State: FL

Complaint narrative:
On XXXX  XX/XX/XXXX I submitted information to Trade Station to wire {$42000.00} from my IRA account. It was to be sent to my local bank 's XXXX XXXX IRA account. On XXXX XXXXXX/XX/XXXX I checked to see if it was in my XXXX Acct. it was not. I then called Trade Station to notify them. They said it should take XXXX hours. That brought us to last weekend, I kept checking my XXXX account and nothing had been received I ran up to XXXX on XXXX and asked XXXX of the representatives if the money should be in. She told me yes it should be in by then. I then asked what I could do on my end. She said to contact sender to put a tracer on it. On XXXX morning XX/XX/XXXX I called Trade Station and said I wanted them to run a tracer they said they didn't do that it was the receivers issue. I then insisted they give me the tracking info so I could take it to XXXX for tracing. By XXXX on XXXX I received an encrypted email from Trade Station with the info. Took it up to XXXX and they gave info to their wiring department. On XXXX, XX/XX/XXXX spoke to XXXX Bank representative who said the bank never received the wire. So on XXXX XXXXXX/XX/XXXX I contacted Trade Station to see what could be done. They said they would put a recall in but said it could take a week and they couldn't promise anything. They have not been helpful and from doing research I have decided to reach out for help before I lose my IRA Account. I am a XXXX XXXX XXXX XXXX and need this as I rely on this IRA and my Social Security for income. Attached is the wiring instructions we gave to Trade Station from XXXX Bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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:
I have submitted disputes about my TransUnion credit report. Whoever is supposedly correcting my report is not doing it correctly. Someone put I owe {$6.00} on my XXXX XXXX. I have never had a balance of {$6.00} on my XXXX XXXX. Secondly, I settled an account with the original debtor XXXX XXXX XXXX XXXX and instead of removing a debt buyer for this company, the worker subtracted the debt settlement from the original debtor and put the remaining balance on the debt collector account instead of deleting this account that I have never had an contracted account with. This violates the Fair Credit Reporting Act, Section 609. I first did my dispute online, but now there is a dispute I submitted via USPS certified/return, and last night XXXX XXXXXX/XX/XXXX, I disputed online once again and actually saw the so-called corrections to my credit report. This is unacceptable. Who is doing the checks and balances with people 's credit reports? I don't think I am finished with my complaints with TransUnion. People trust that their disputes and credit reporting are being done correctly...

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 2024-05-01 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: IN

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item listed below for me to ensure accuracy. 


XXXX XXXX XXXX ACCT : 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 2024-05-01 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: IN

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item listed below for me to ensure accuracy. 


XXXX XXXX XXXX ACCT : XXXX

Company response to consumer: Closed with non-monetary relief