vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-14 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/XXXX, our debit card was used for fraudulent purchases totaling {$540.00} ( XXXX different transactions {$170.00}, {$170.00}, and {$180.00} ) at XXXX On XX/XX/XXXX and XX/XX/XXXX, Bank of America ( BOA ) issued temporary credits to offset the amounts and closed our debit card ( closed XX/XX/XXXX ). By letter from BOA XXXX XXXX department dated XX/XX/XXXX, we were informed that they were " unable to approve '' our recent claim. They also informed us in that same letter that the temporary credits would be reversed on XX/XX/XXXX. On XX/XX/XXXX, we faxed additional documentation to the BOA Claims Resolution department showing evidence that supports our claim. On XX/XX/XXXX, BOA reversed the temporary credits ( as they stated in the letter dated XX/XX/XXXX ) and left our bank account with a negative balance. On XX/XX/XXXX, we contacted the BOA Claims Resolution department at a phone number provided in the letter, and we were given run-around answers by the many people we talked to, many of which were rude and very unhelpful. They kept saying they couldn't reverse the credits and that they would send messages to the Claims Resolution department with the information we were sharing. One person ( who was the most helpful of all ) took note of the details that we provided about the case, and he said he was convinced that we should not be liable and that he was requesting that the money be put back into our account. He said it would be a few days. On XX/XX/XXXX, we were expecting the money to be back in our account, and to our surprise they had hit our account for another {$180.00}, now bringing our account balance more negative and totaling {$720.00} that they now owe us. Upon discovery, we contacted the XXXX XXXX department yet again to be give more run-around answers leading us to believe it might take 45 days for the additional information to be evaluated. We were also told that the bank would not be issuing temporary credits during the waiting period. Meanwhile, our account has a negative balance. 
We repeatedly asked for phone numbers or to speak with someone at the bank that could help us, and we were repeatedly told that the people in the investigation department were unavailable by phone. Really? How ridiculous that BOA would employ such a process. 
Details pertaining to the fraud are as follows : - the purchases were made at XXXX by someone at an IP address traced to XXXX- we live in XXXX, and we were traveling at the time in the state of XXXX XXXX provided copies of our airline itinerary along with debit card transactions that we initiated in XXXX while on our trip.

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 2023-09-14 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: IL

Complaint narrative:
I reached out to transunion to get hard inquiries removed they referred me to ftc. The ftc referred me to cfpb

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 2023-09-14 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: AL

Complaint narrative:
Fraudulent accounts on my credit

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 2023-09-14 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: AL

Complaint narrative:
Fraudulent accounts on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FlexShopper, Inc
State: SC

Complaint narrative:
FlexShopper sold my debt to a collection agency who threatened legal action and to sue me over something that happened over 7 years ago.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
On XX/XX/2023 I received a letter from Hunter warfield stating that I owed a debt in the amount of {$13000.00}. I was told this was for an apartment that I rented. I have never lived in an apartment for over 20 years. This was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I randomly received a XXXX XXXX Visa Signature, Bank of America card in the mail, but I did not apply for the card.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: T.S. Holdings
State: MD

Complaint narrative:
{$4100.00} inaccurate information no action was taken nor court to address this is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: FL

Complaint narrative:
TransUnion, Please see attached complaint - I was a victim of identity theft and need fraudulent information fix immediately.

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 2023-09-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Loan South Finance & Tax Service of Troy, LLC
State: TN

Complaint narrative:
On XX/XX/2023 XXXX XXXX I believe thats her name ) from service loans located at XXXX XXXX XXXX XXXX XXXX tn XXXX contacted my mother XXXX and told her that I needed to contact her in reference to my past due account. I know there is privacy laws when it comes to personal loans. She isnt able to let her know what the call is about just who she is.It was very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: NJ

Complaint narrative:
Delete hard inquiries listed on my credit report. These accounts were not authorized by me. 

XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: MS

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-14 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: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
Upon the agreement of XX/XX/XXXX the company Mandarich Law Group in connection with XXXX XXXX agreed to remove the negative information on the credit report as it was inaccurate. When I contacted their office on XX/XX/XXXX to advise that when I reviewed my credit report that they had placed the item back on my credit as a new debt, I was told I needed to contact XXXX XXXX directly. However Mandarich Law Group is the Company to which I was working with directly. Mandarich Law Group has stated that they no longer has the ability to assist me as the matter was settled and that I would need to contact XXXX XXXX however there is no record of XXXX XXXX. When I spoke with Mandarich Law Group there claim is that they no longer have a relationship with XXXX XXXX and are unable to assist me. However because this is reporting on my report as a new debt it leads me to believe that there is fraud. Mandarich Law Group has failed to do as agreed and I have been informed that they do not have a valid number for the company XXXX XXXX to remove the item from my credit report as I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: Experian Information Solutions Inc.
State: SC

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. 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 explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2023, I applied for a credit card increase for my Truist Credit card. 

On XX/XX/XXXX. XXXX  I noticed two inquiries from Truist bank. I contacted Truist and informed them that I did not authorize two inquiries. I never received any written decision regarding the application. 

Truist has been very discriminatory towards me. They have frozen my verified deposits and since that complaint, they are denying me for every request. The only thing that has changed since my initial credit approval is an increase in income.

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 2023-09-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Loan South Finance & Tax Service of Troy, LLC
State: TN

Complaint narrative:
On Friday XX/XX/2023 I contacted Service Loan located at XXXX XXXX XXXX XXXX XXXX TN XXXX and spoke with XXXX XXXX to let them know that I was highly upset because they had contacted my job 5 times and left a voicemail after I had previously told them that I wasnt allowed personal calls. I also mentioned how upset I was because not only did they call my job they had also called my cell phone 3 times and also left a voicemail after reaching out to my sister to let her know I needed to get in contact with them bc my loan was past due all within an hour. He stated my loan was past due and that there wasnt a grace period. I told him to cease and desist all collections because what they did was very unprofessional and against privacy laws. He threatened me that I would be hearing from his attorney and hung up on me, before he hung up I was going to make my payment so I called back made my payment and asked for a supervisor phone number named XXXX. After the payment I wanted to get my payoff balance and he hung up again before I could ask for my balance and conformation code. He was very rude and unprofessional and shouldnt be threatening a customer especially when I was only 6 days late. I have been a great customer but this was unacceptable. He does not need to talk or threaten anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: PA

Complaint narrative:
On XX/XX/2023, XXXX ran a hard inquiry on my personal credit report with Transunion. I was applying for a business account using my business 's XXXX number. My business 's credit report should have been run not my personal credit.

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 2023-09-14 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/2023 & XX/XX/2023 XXXX ran two hard inquiry on my personal credit report with XXXX. The account that I was opening was for my business. I provided my business 's XXXX number. The inquires should not have been run on my personal credit file, only on my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I was checking my credit report before a large purchase and this creditor is on my credit report twice, once with no data and a second time saying I paid something on time twice. I do not know who these people are and why they are on my consumer report. They need to remove their information from my consumer report immediately. I am also unaware as to how they acquired my personally identifiable information without express written permission from me. So my privacy has been severely violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute and seek your assistance in the removal of unauthorized inquiries from my credit report, specifically in relation to Equifax, one of the major credit reporting agencies. I believe these inquiries were made without my consent and are in violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
I called Equifax today because I keep having to dispute a piece of incorrect information that they will not take off of my credit report even though I have sent them the paid in full invoice twice. I thought maybe a phone call would be more effective then doing it online through their website. I was told that the last time I disputed the information they had 30 days to respond to the dispute which gave them until XX/XX/XXXX since I disputed the information on XX/XX/XXXX. They asked me how I knew information was updated on my credit report. I told them that I checked online. The representative from Equifax then told me that my credit report is only updated online once a month so I would only be able to find out once a month that my information had been changed on my credit report. He then offered me real time updates through them if I paid them {$9.00} a month. 

That seems like a HUGE conflict of interest. The inaccurate information that they refuse to take off my credit report is affecting the mortgage I am currently trying to get. How is a company that has such a huge part in everything about my life, from getting financing for a house to the security clearance for my job, allowed to charge me for real time updates when they should be providing those anyway if they are able to do so? These credit bureaus have a large influence in our lives and they should not be able to profit off of that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 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: TX

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 U.S.C 1681 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-09-14 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:
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 U.S.C 1681 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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