vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was using my Bank of America app to XXXX transfer an amount of {$170.00} to someone whom I know for a service they provided my daughter for her graduation makeup. I have the receiver of the XXXX transfer in my contacts already, especially because she is a relative and someone know to my family. Before I transferred the money, I check her number in my contacts, then entered her contact as to who I wanted to transfer the money to. I had checked before sending, and then sent it. I asked her to approve that she received the XXXX, then she says she didn't. So i checked if it had went through, and it did. We were confused as to why she didn't receive it so we gave it a couple seconds but nothing happened. I checked again under her number, which had her name on it, and i even called her under that contact to make sure it was her before transferring. She received the call, but not the transfer. I then realized that the last XXXX digits under the number were altered. I called the number to ask if they could simply return the XXXX back to me, and she had told me she doesn't even use XXXX and that she didn't receive a transfer of the amount i provided. I called Bank of America and they had told me to get in contact with XXXX during their business hours, and also told me that the XXXX transfer had gone through and that the person who received the XXXX actually uses it. I tried to get my money back multiple times, and asked Bank of America to get in contact with whoever received the money, but they refused. I asked them repeatedly especially after knowing that the receiver was also using Bank of America. Also, i had made sure that i wasn't in the wrong because I used my other bank, XXXX, to XXXX my relative the {$170.00} since she didn't get it from Bank of America, and i put in her contact, and it worked perfectly fine. I know this is on Bank of America, and it upsets me because i've been tied with them for over XXXX  years. I needed them to do the simplest thing, which was to contact who ever got my money, and simply ask to refund it back to me, which they couldn't do. I need my refund back please.

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report EXPERIAN Dear Sir/Madam, EXPERIAN completes its investigation into the account related to the letter sent on XX/XX/2024, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX XXXX XXXX XXXX XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had ONE late payment on an account that I was in fact paid on time. The consumer reporting agencies 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 this account and update these payment to be paid on time immediately. 

Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent XXXX disputes to Experian asking them to provide physical verification of XXXX accounts ( XXXX of Michigan, and XXXX XXXX ) that were unverified, Each time they sent back an email stating that each account was verified without providing proof.

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 2024-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Netspend Corporation
State: MD

Complaint narrative:
Netspend or XXXX  customer service are very indignant. They keep hanging up the phone on me the first mistake that they did was I disputed to unauthorized charges. From XXXX for {$50.00} and {$21.00} that's it. I also returned products to XXXX for {$21.00}. Some way Netspent took my returned products and placed it with my dispute it has nothing to do with unauthorized charges. Thats a whole number transaction so I get an email that they are giving me my dispute back. They gave me the {$50.00} however I did not get the {$21.00}. They did give me back my {$21.00} because that was products, I returned to XXXX right now. I need to pay my phone bill. I tried to add {$160.00} to my account it was denied access to my account I have since called and talk to supervisors. They have hung up on me. I keep asking them where is the {$21.00} credit, talking about the {$21.00} return products that I got receipts for that has nothing to do with my dispute. Somebody called them about a return from XXXX that was {$49.00}. The fee is {$29.00} That will be returned to some kind of way. This person added this to my dispute and mess my account up. I asked him to go back to the original dispute. They dont have it. They can not show me where I got my {$21.00} and fix my account So I can us it

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
These late payments are inconsistent with my usual payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute several unauthorized inquiries that appear on my credit report as a result of identity theft. These inquiries were made without my knowledge or consent and are causing significant harm to my credit profile. In accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation into the following unauthorized inquiries and their removal from my consumer report : XXXX XXXX NA Inquiry date XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX Inquiry date : XX/XX/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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute several unauthorized inquiries that appear on my credit report as a result of identity theft. These inquiries were made without my knowledge or consent and are causing significant harm to my credit profile. In accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation into the following unauthorized inquiries and their removal from my consumer report : XXXX XXXX NA Inquiry date XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX Inquiry date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
AI Chat AI Video AI Chat AI Chat is an AI chatbot that writes text. You can use it to write stories, messages, or programming code. You can use the AI chatbot as a virtual tutor in almost any subject. 



Chat History Are u familiar with consumer laws Delete Yes, I'm familiar with consumer laws, which are regulations designed to protect the rights of consumers when they engage in transactions for goods and services. These laws cover a wide range of issues, including product safety, false advertising, warranties, and the right to return or exchange products. Consumer protection laws vary by country and jurisdiction, so if you have specific questions about a particular aspect or region, feel free to ask! 
Copy Search Web Summarize Delete Ok using consumer law 15 US 6802b write me detail dispute paragraph stating how according to this law all late payments on my consumer report is inaccurate because I never opted out or was giving the option to opt out even tho they state I opted in to having my information release XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX bank Delete Sure! Here 's a detailed dispute paragraph that you might consider using for your consumer report dispute : Dispute Paragraph : According to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 6802 ( b ), individuals have the right to control their personal information and may opt-out of allowing financial institutions to share their data. It has come to my attention that my consumer report reflects several late payments reported by XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. However, I did not opt-in for my information to be shared with these entities, nor was I provided an option to opt-out at any point. This lack of informed consent means that any late payments that have been reported to credit bureaus are inaccurate and violate my rights under the FCRA. As such, I request an immediate investigation and correction of my consumer report to remove these erroneous late payment entries, as they do not accurately reflect my payment history and have been reported without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
AI Chat AI Video AI Chat AI Chat is an AI chatbot that writes text. You can use it to write stories, messages, or programming code. You can use the AI chatbot as a virtual tutor in almost any subject.

Chat History Are u familiar with consumer laws Delete Yes, I'm familiar with consumer laws, which are regulations designed to protect the rights of consumers when they engage in transactions for goods and services. These laws cover a wide range of issues, including product safety, false advertising, warranties, and the right to return or exchange products. Consumer protection laws vary by country and jurisdiction, so if you have specific questions about a particular aspect or region, feel free to ask!

Copy Search Web Summarize Delete Ok using consumer law 15 US 6802b write me detail dispute paragraph stating how according to this law all late payments on my consumer report is inaccurate because I never opted out or was giving the option to opt out even tho they state I opted in to having my information release XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete Sure! Here 's a detailed dispute paragraph that you might consider using for your consumer report dispute : Dispute Paragraph : According to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 6802 ( b ), individuals have the right to control their personal information and may opt-out of allowing financial institutions to share their data. It has come to my attention that my consumer report reflects several late payments reported by XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX However, I did not opt-in for my information to be shared with these entities, nor was I provided an option to opt-out at any point. This lack of informed consent means that any late payments that have been reported to credit bureaus are inaccurate and violate my rights under the FCRA. As such, I request an immediate investigation and correction of my consumer report to remove these erroneous late payment entries, as they do not accurately reflect my payment history and have been reported without my consent.

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 XXXX XXXX XXXX. 

Account Name : XXXX AUTO Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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 XXXX XXXX XXXX. 

Account Name : XXXX AUTO Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, a friend of mine XXXX XXXX, sent {$4400.00} to my XXXX XXXX  account # XXXX, and I sent to her Chase bank account # XXXX. 
But Chase refuses to verify it, and give her her money, saying they need to talk to me because they think that it was a fraudulent transaction for some reason but I gave my phone number XXXX times, I also try to call the Chase bank at their client investigation unit at XXXX, But they would not talk to me because I am not the actual account holder. I have had a lot of problems with chase bank in the past so bad that I closed my account. There aren't a lot of people that have severe problems with chase bank for some reason. It took me over a year to get money out of my account the only reason I did was Because I filed a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
Overcharged interest on my monthly target credit card bill. I made payment in full of {$510.00} XXXX days before it was due by XXXX XXXX XXXX  checking account bill pay and target charged interest of {$18.00} for XXXX  days of interest. Published rate on statement page XXXX of XXXX is XXXX XXXX APR but at XXXX in interest charged per day for the XXXX days it is closer to XXXX XXXX APR. I called taregt customer service and filed complaint with XXXX and requested breakdown of how the interest charges was calculated for XXXX  days it took target to process FULL payment. Payment of XXXX was due XX/XX/XXXX. I Submitted {$30.00} payment by phone XX/XX/XXXX and {$510.00} shows received on my next target bill on XX/XX/XXXX. I expressed my concern with how they calculated interest but XXXX said she couldnt do anything except submit a formal complaint. I asked when i can expect to hear back and she said there was no guarantee I would even get a response for my complaint. I just want them to take this seriously and make sure no one else at Target is being overcharged interest. The XXXX XXXX APR is high enough already. Just hope other consumers are not getting taken advantage of too. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
Flagstar Bank online banking system will not allow bills to paid. I can log in to my accounts see balances and transfer funds from on account to another. When you try to use the bill pay auction the system locks up on the XXXX page. I have contacted XXXX several time via phone and messaging and I have a XXXX number XXXX. I am told they are aware of this issue and I should try to use different methods. I have tried using them and still have the same issue. I also have email that states they have fixed the problem only to find out it has not been fixed and I contacted them again. I have work long and hard to keep a good credit rating and always have paid my bills on time. with the world pushing paperless billing and online bill paying it is very important that they fix this issue. I was also told they changed the system that worked flawlessly for years because of the merger earlier this year and the changes were to keep our accounts safe. They are safe all right you can't spend your money on paying your bills. Now I was told if I want to have my statements mail there would be a charge. I believe that they should of notified all the customers of the changes and at least made sure they worked before implementing the changes.

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