vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-16 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : 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 2024-11-16 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Experian for Violations of the Fair Credit Reporting Act Dear CFPB, I am writing to formally submit a complaint against Experian regarding their reporting practices, which I believe violate the Fair Credit Reporting Act ( FCRA ) and other consumer protection regulations. 

I have discovered that Experian has reported an account that has been officially removed from my credit report. This action appears to contravene the following provisions of the FCRA : 1. **Accuracy Requirement** : The FCRA mandates that credit reporting agencies like Experian ensure that the information they report is accurate and current. Reporting an account that has been removed constitutes a violation of this requirement. 

XXXX. **Consumer Rights** : As a consumer, I have the right to dispute any inaccurate information on my credit report. If Experian fails to investigate my dispute adequately, this too would be a violation of the FCRA. 

Additionally, I believe that Experian may be in violation of regulations enforced by the CFPB that protect consumers from unfair practices in credit reporting.

Consumer law prohibits false or misleading credit reporting.

Lastly, Experian has not taken reasonable steps to ensure the accuracy of the information they report. I'm uploading 2 credit reports. Experians app credit report vs XXXXExperian has not updated this account XXXX XXXX XXXX which has been removed, but is still reporting on XXXXXXXX XXXX XXXX 

My rights have been violated, and I request that your office investigate this matter. I am seeking assistance in rectifying this situation and ensuring that my credit report accurately reflects my financial history. 

Thank you for your attention to this important matter. I look forward to your prompt response. 

Sincerely,

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 2024-11-16 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Experian for Violations of the Fair Credit Reporting Act Dear CFPB, I am writing to formally submit a complaint against Experian regarding their reporting practices, which I believe violate the Fair Credit Reporting Act ( FCRA ) and other consumer protection regulations.

I have discovered that Experian has reported an account that has been officially removed from my credit report. This action appears to contravene the following provisions of the FCRA : 1. **Accuracy Requirement** : The FCRA mandates that credit reporting agencies like Experian ensure that the information they report is accurate and current. Reporting an account that has been removed constitutes a violation of this requirement. 

2. **Consumer Rights** : As a consumer, I have the right to dispute any inaccurate information on my credit report. If Experian fails to investigate my dispute adequately, this too would be a violation of the FCRA.

Additionally, I believe that Experian may be in violation of regulations enforced by the CFPB that protect consumers from unfair practices in credit reporting.

Consumer law prohibits false or misleading credit reporting.

Lastly, Experian has not taken reasonable steps to ensure the accuracy of the information they report. I'm uploading 2 credit reports. Experians app credit report vs XXXX.Experian has not updated this account XXXX XXXX XXXX which has been removed, but is still reporting on XXXX XXXX XXXX 

My rights have been violated, and I request that your office investigate this matter. I am seeking assistance in rectifying this situation and ensuring that my credit report accurately reflects my financial history. 

Thank you for your attention to this important matter. I look forward to your prompt response. 

Sincerely,

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 2024-11-16 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 you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX  XXXX. Account # : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
During XX/XX/XXXX i requested a couple times to receive the school misconduct discharge application which I did eventually receive from XXXX. I submitted it around mid XX/XX/XXXX I got the acknowledgement it was denied based upon obscure reasons that according to the representative I spoke with only the committee making the decision knows the specific reasons for denial but no one else knows. 

I was informed I could appeal the decision and went to work gathering more info for my appeal. The next day I got notice my loans were going to be sent to Mohela XX/XX/XXXX. Approximately XX/XX/XXXX I submitted my appeal with a new application and detailed application to support my case. The email I received back said they would review it and will have a decision within 60 days. Only XX/XX/XXXX my loans switched to Mohela. There is about 10 days left for the decision to be made on the date Im writing this ( XX/XX/XXXX ) and I havent had any emails from XXXX, I cant communicate with them to inquire, and Mohela stated in an email that they havent heard anything from XXXX  ( understandable ) and XXXX  should respond with a decision. 

I believe XXXX  is going to attempt to just sweep my case under the rug and try to act like nothing was submitted for my appeal and wipe their hands clean of me without just consideration for my appeal. I justly believe my private loans qualify for their School Misconduct Discharge and I believe them to be avoiding my attempts to reach out to see how they are following through.

I appreciate your time in looking into this matter and I wish you a very good day and happy holidays coming up. 

Thank you, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: NJ

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, which has resulted in the unauthorized use of my personal information. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report : Accounts to Be Blocked and Deleted : XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$6000.00} XXXX - XXXX - XX/XX/XXXX - {$1800.00} Inquiry to Be Blocked and Deleted : XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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 you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX  XXXX. Account # : XXXX XXXX XXXXXXXX XXXX XXXX  : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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 you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX  XXXX. Account # : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX XXXX PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX  XXXX Account Name XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> I was charged {$400.00} by XXXX XXXX for a baggage fee. I did not make the charge, in fact I couldn't have made the charge since I haven't traveled for years nor can I travel now. 

I immediately notified them of the charge and they took it off my account on XX/XX/year>. I let them know I couldn't have made the charge. 

On XX/XX/year> they returned the amount to my account and provided me with a letter with the only explanation of it was charged with a verified device. I immediately called and the representative told me there was no documentation of the device or me making the charge so they would request it. My charge was not reversed and I am required to pay for it while it's being reviewed. 

I have called XXXX more times since and both times have been told there is still not documentation of my making the charge other than the note of a verified device. I let them know again that was not possible since I don't and can not travel. They have bumped it back again for another round of review but told me it is unlikely I will get the charged removed. 

I'm not sure what to do at this point since I did not make the charge, couldn't have made the charge, yet am being expected to pay it even though they won't and can't provide details on how I could have paid it other than a note of a verified device. 

I feel like this is a bit of insult to injury since I can't fly and am being charged fees for traveling. 

I have included a letter that is the only form of documentation they have been willing to provide me.

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 2024-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I signed my rental agreement and initiated XXXX domestic same-day wires at XXXX PM. The first wire, for {$3800.00} to my realtor agency, was processed within minutes. However, the second wire, for {$7200.00} ( first months rent and security deposit to my landlord ), remained stuck as processing for hours. 

At XXXX PM, I called Bank of America customer support. After waiting for several minutes, they hung up on me. I called again at XXXX PM and, after waiting for over an hour, I was informed that I would need to visit a financial center with XXXX forms of ID. To my surprise, I discovered that Bank of America had also blocked my online banking access. This was completely unacceptable, as it effectively denied me easy access to my money. 

I immediately went to the Bank of America XXXX XXXX at XXXX XXXX XXXX. I provided two forms of ID and waited for another hour, only to be put on a phone call with the XXXX XXXX XXXX. During this call, I answered all their questions, including providing detailed information about my new rental home address, the realtors name, and the landlords name. I emphasized the urgency of the situation, explaining that my landlord was expecting the funds that day. I also requested the restoration of my online banking access. 

Despite this, the bank provided no timeline for resolution, simply stating that the matter would be reviewed by Bank of America. I am deeply disappointed and frustrated. They are unjustifiably holding my funds, causing significant issues for my new home arrangements. Furthermore, the restriction on my online banking access is an unacceptable overreach, compounding the XXXXs and inconvenience. 

I demand an immediate resolution to this matter and action to prevent such incidents in the future.

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 2024-11-16 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX  Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX XXXX  XXXX  : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2024-11-16 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 2024-11-16 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXXXXXX XXXX PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX  XXXX Account Name : XXXX # XXXX Account Name 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 explanation
Consumer complaint received 2024-11-16 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name 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