vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, 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:
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. 

XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX Account number XXXX 15 U.S.C 1681 Section 602 A Section States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing the following items of information. Any other adverse 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, 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:
Recently, an account under XXXX for a vehicle purchase outside of Illinois was tacked onto my credit report. I filed a complaint with Experian, and they are claiming the account is mine. However, I have never purchased a vehicle outside of Illinois I reside in XXXX. Ive been in XXXX  my entire life every time I attempt to have something removed from experience they are not helpful there are names that do not belong to me phone numbers that new not belong to me and accounts that do not belong to me and they are not helpful and are not updating my report to reflect what is actually mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP
State: IL

Complaint narrative:
I am a victim of the violations that were discovered by the CFPB 's investigation of US Bank, that found the bank engaged in unscrupulous practices that resulted in many violations of various consumer protection acts. The specifics of these violations that directly affected me, are detailed in the attached documents. Furthermore, I asked for documentation proving that no violations occurred when this account was opened. I was told by US Bank that I need a subpoena to access such documents. I am questioning why do, I need a subpoena to access documents for an account that was allegedly opened legally baring my name?

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 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, 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: PA

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 name : XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX Account Number : XXXX Account ID : XXXXXXXX XXXX Account Number : XXXX Account ID : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX Account ID : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account ID : XXXX XXXXXXXX XXXX Account Number : XXXX Account ID : XXXX XXXX XXXX XXXX Account Number : XXXX Account ID : XXXX XXXX XXXX I Account Number : XXXX Account ID : XXXX XXXX XXXX XXXX Account Number : XXXX Account ID : XXXX XXXXXXXX XXXX Account Number : XXXX Account ID : XXXX XXXX XXXX XXXX Account Number : XXXX Account ID : XXXXXXXX XXXX XXXX XXXX/ Account Number : XXXX XXXX XXXX  Account Number : XXXX Account ID : 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 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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 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 explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, 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: PA

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 name : XXXX XXXX Account name : XXXX XXXX, Account name 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 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 seven 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. 

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 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 explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
I ended up having to change my number. Portfolio Recovery Services would call up to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX One guy called me a XXXX XXXX XXXX XXXX XXXX '' for owing money that I don't even owe. I have no idea where these people came from or why they are ruining my credit. I do not owe the money that they claim I owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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: GA

Complaint narrative:
My XXXX daughter received a cryptic letter from Experian ( reference attached document, Experian Letter 1 ) dated XX/XX/2022, notifying her a " ... reinvestigation of the dispute ( s ) and/or other request ( s ) [ she ] recently submitted is now complete ... '' The letter went on to provide a lot of impersonalized instructions and other fine print, but the only explanation about the outcome of the " reinvestigation '' was the single word description : " Updated. '' Nobody claiming to represent my daughter, to my knowledge, has ever had any communication with Experian regarding a credit report dispute or similar type of action. No one in this household has had any communication with Experian on her behalf whatsoever, except to request a freeze on her credit shortly after she received her social security number, which was about four years ago. 

Experian provides absolutely no tools whatsoever for a person to receive immediate answers to questions about matters involving minors. They don't have anyone answering the phone except automated voices giving irrelevant messages. Their online access provides no resources for submitting an email or any similar communication for this type of issue. The only possible way for me to get more information was to reply with a physical letter in the mail, with enclosed copies of every possible sensitive identifying document associated with the minor in question. 

I sent Experian a letter of reply, along with all of the supporting documentation, which included a copy of their original correspondence. In my letter, I asked for an explanation for what led to their sending us this letter in the first place, and I also asked for a plain-speaking description of the " re-investigation '' they conducted and what was the " update? '' Their next reply by mail ( reference attached document, Experian Letter 2 ) contained no explanations for the above questions. It was another impersonal work of automation, suggesting " No further action is necessary, '' as if that is a sufficient response for me to feel like this baffling situation is resolved. Their letter also said their " database does not contain credit information about the minor child. '' This seems to be a direct contradiction of what was said in their first letter, but there is no acknowledgment of that contradiction, and no acknowledgment of the questions I went through great effort to ask, which required collecting and mailing copies of identity documents.

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 2022-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My card had unusual activity on it and Bank of America texted me questioning the activity. I confirmed back to them that the activity was not made by anyone with appropriate access to the card. I also went online and disputed several other transactions. It said the card would be locked. They called but I did not see the call, so I got a voicemail asking me to call back. I have tried to call back several times only to be placed on an endless hold ( over 30 min each time ) before I have to hang up due to other commitments. I told my wife not to use the card anymore as it would be locked. Today she said she accidentally used it and it went through this morning to my surprise. I went out and looked and we are continuing to get fraudulent charges! I again called. Again I was on hold for over 30 min with no answer. I tried to lock the card myself with their online system but that is no longer available either on my mobile or through my computer. They are literally making it impossible for me to get this stopped or fixed. I would be happy to close all accounts with them at this point if I could even do that online or get ahold of them!

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 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX claiming a balance {$4200.00}. 
I was surprised to see this on my credit report cause i never had any business credit card or other with this bank. this matter decrease considerable my credit card payments. Talk to this company a few times about this problem they say they own an other company ( XXXX credit card ) a company was closed and disappear for more than 1 year without any notice or alerts. During their one year closed it detrimental for my business i can not using this card cause was closed with all available credit and can not pay the balance monthly cause no app or address for check or pay using any office or online pay by phone. everything was out of service for 1 year sin any proper investigation. 

XXXX XXXX XXXXXXXX XXXX {$310.00} i had a credit card with XXXX credit limit was {$250.00} i had a balance {$140.00} them a {$110.00} available credit when i try to pay my monthly no app wen to a XXXX shop machine they say the machine can not recognize the card got an customer service XXXX  employee the said they going to sent me a new card never get the newer card and after 2 month this company call me and dispute a few time and the put a negative for {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX

account number ending in XXXX XXXX XXXX  balance {$990.00} has violated my rights. 
account number ending in XXXXXXXX XXXX XXXXXXXX balance {$920.00} has violated my rights. 
account number ending in XXXXXXXX XXXX balance {$0.00} has violated my rights. 
account number ending in XXXXXXXX XXXX balance {$0.00} has violated my rights. 
account number ending in XXXX XXXX XXXX balance {$2000.00} has violated my rights. 
account number ending in XXXX XXXX XXXX XXXXXXXX XXXX  XXXX {$36000.00} has violated my rights. 
account number ending in XXXX XXXX XXXX XXXX balance {$600.00} has violated my rights. 
account number ending in XXXX XXXX  balance {$1000.00} has violated my rights. 
account number ending in XXXX XXXX balance {$250.00} has violated my rights. 
account number ending in XXXX XXXX {$450.00} has violated my rights. 
account number ending in XXXX XXXX {$460.00} has violated my rights. 
15 U.S.C. 1681 Section 602A I have the right to privacy.

15 U.S.C, 1681 Section 604A 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, 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 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 2022-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Inaccurately reporting on the credit bureau. Was inaccurately reported on other credit bureaus and has been deleted but still remains on Transunion

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 2022-11-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SD

Complaint narrative:
I wired {$250000.00} from my XXXX XXXX business checking account to another company at Bank of America on XX/XX/2022 for a large qty of medical device products. On XX/XX/2022, I realized that the transaction was fraudulent and the paperwork provided to me regarding the inventory was fraudulent. I went to a XXXX XXXX branch on XX/XX/2022 and issued a wire recall for the full amount. 

Through countless phone calls over the course of XXXX and XXXX, the company that we sent the funds to surfaced and started to communicated with us. They instructed us that Bank of America had moved the funds into Bank of Americas Hold Harmless account due to the claims of fraud against them. They also explained on XX/XX/2022 that we needed to go back to XXXX XXXX and reissue the wire recall. It was explained that once Bank of America received the wire recall request, that Bank of America would request a Hold Harmless/Indemnification document from XXXX XXXX prior to returning our funds. 

On XX/XX/2022, I went back into a XXXX XXXX and reissued another wire recall for the full amount. Bank of America replied as described on XX/XX/2022 via XXXX XXXX requesting a Hold Harmless/Indemnification document to release my funds back to me. It is now XX/XX/2022, and I cant get XXXX XXXX to send the Hold Harmless document to Bank of America. I have called department after department, nobody will help me, and my business is suffering terribly. I need help getting my money back. 

I spoke with another gentleman that I found online that went through this exact scenario. He informed me that he filed a complaint with your organization and they allowed him to execute the Hold Harmless personally and the banks responded and resolved the issue in a very timely manner. Please let me know if you need anything from me as I am in desperate need of resolving this issue.

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 2022-11-18 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: PNC Bank N.A.
State: NY

Complaint narrative:
On the XXXX of XX/XX/2022 I wrote and mailed a check for {$100.00}. It was stolen and copied, my signature was forged and the check was made payable to a " XXXX XXXX '' for {$28000.00}. It was not endorsed but was cashed by said individual. My bank deducted {$28000.00} from my account. After my bank reported this to me I filed a police report for this larceny.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a promotional offer on my mobile app for a credit card. Part of the promotion included the waiver of the annual fee of {$95.00} for the first year. The card offered other benefits that were attractive such as credits towards XXXX pre check, more points on my purchases, and XXXX points if I spent a certain amount within 3 months. I bank completely with BOA and I liked the offer. I applied and the first thing I see is a {$95.00} annual fee assessed to the card. I called and the said they would research. They sent me a letter to call and when I did they denied the reversal and said they had no such promotion. I feel deceived. I didnt take a screenshot but I shouldnt have to. I just wanted the offer as advertised.

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