vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: KS

Complaint narrative:
On XX/XX/2023 I paid a debt in full to Caine and weiner, at the time that the debt was paid in full, I was told by the debt collector that the debt would be removed from credit account within 7 to 9 business days and that I would receive a confirmation email within 30 minutes. I never received the email, the debt was not removed from my credit report as stated. When I called back Caine Weiner I spoke with XXXX XXXX who was a XXXX, he stated the representative who took my payment gave false information and I would not be receiving an email or a letter of payment to remove the debt, XXXX stated I could call back in a few days and he would handle the email confirmation. I called back on XX/XX/2023 to receive the payoff confirmation, XXXX XXXX did not answer, a representative named XXXX XXXX said she would get XXXX on the line to help, she did not mute her phone and I heard XXXX state, Im not talking to her. I was then hung up on. I called back and was sent to voicemail 5 times. I called again and spoke with XXXX, she said she would get XXXX on the phone and agreed the behavior of misrepresentation from the XXXX customer service representative that took payment and XXXX was unethical, she tried to connect me with XXXX, it went to voicemail. I called back in and spoke with XXXX, she stated they would not speak to me because I stated I really didnt want to get an attorney involved but if they continued to misrepresent information and refuse to send me an email with confirmation of my payment then that would be my only option to protect myself as a consumer who had been lied to and taken advantage of. The company Caine and Weiner will no longer answer calls, it goes straight to voicemail. They lie to collect debts and give false statements about the amount of debts and the disposition of your credit after paying the debt. Do not work with this fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: 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 has violated my rights. Or 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 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 non-monetary relief
Consumer complaint received 2023-06-30 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: 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 has violated my rights. Or 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 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 2023-06-30 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: TX

Complaint narrative:
Last Saturday I had over XXXX taken from my account by various companies. I tried calling PNC when I found out but there was no one there to answer. I called Sunday, but they gave me the run around and said they couldnt file disputes on transactions that havent posted yet. So I had to wait until Tuesday when the majority of them posted and the only ones that have been returned to me are several small ones from XXXX. None of the others have been taken care of. Its almost been a week and I believe they are supposed to get that back the next business day. This has caused me to be late on rent since I dont have enough money in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
XX/XX/2023 I made payments to Sams Club ( Synchrony Bank ) for my credit card. However I started receiving messages about auto paying on the account. I never set up autopay and then received a letter stating that my accountis closing due to failed autopay payments. The website automatically created auto payments when I did not request it causing my account to show that my auto payments failed to an account that was no longer mines. 
I called the bank to request reinstatement of my account. The agent tried and then advised me to write to the general box. I have written to the company and still have not received a response but I still have been making payments to the account. 

15 USC 1681 Section 602 States that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Good morning -- I bought the equipment, but the house was sold in XXXX this Debt should be paid by the new owners.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
In XX/XX/ somebody opened a Bank of America Credit Card in 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 explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The issue is causing me significant XXXX  and XXXX to the point where I'm having trouble sleeping.

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 2023-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I received a XXXX from XXXX XXXX XXXX in the amount of {$100000.00} as a result of hitting a XXXX  jackpot. The check from XXXX  was written on a Bank of America XXXXaccount. I thought great, I have an account with BOA. I took the check to local branch on Wednesday of this week and asked specific questions about when the funds would be made available. They said they had to run it through the system first to see if there would be any holds. Did so and it can back with no holds. Teller explained that I should have access to the funds the following day. After completing the transaction and leaving the bank I get an email that they have placed a hold til XXXX morning at XXXX ( ok just XXXX  additional day, not tripping ). Then XXXX morning I receive an email stating that they placed an additional hold on the check because check specific information indicates item may be returned. They added an additional XXXX day to the hold saying funds would now be available XXXX after next ( XXXX days after the initial deposit ). I contacted BOA customer service to offer further clarification. First I was told the check was large. I replied yes large to you and me but not to multi XXXX dollar institutions like BOA and XXXX. Furthermore, the check is from a BOA account and they should be able to verify that it is good and funds are available. There should not be a risk of it being returned. The funds are there or not. I asked to have it escalated to a supervisor. I explained again that check was written on a BOA account ( XXXX ) and they should be able to authenticate and verify availability of funds. She said business accounts are different than personal accounts. Therefore, the verification was treated similar to an external bank. I called XXXX on that. I am unnecessarily missing out on the opportunity to collect interest on my own money for nearly XXXX weeks and at this point do not trust that BOA will honor releasing the funds to me XXXX days from now. They have proven to be untrustworthy and have not offered a justifiable reason for why they are not making my funds available to me so that I can benefit from the interest and other investment returns on my money.

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 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX PA XXXX is a fraudulent address listed on all 3 credit bureaus and every account associated with that address is fraudulent as well. Please assist in removing this information off of all 3 credit bureaus and my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
I have several inquiries on my credit report that I do not recognize.

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 2023-06-30 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2023-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: AZ

Complaint narrative:
I was checking my credit score and found a collections document : CREDIT SYSTEMS Last reported XX/XX/2023 {$1100.00} Open balance XXXX XXXX Original creditor This is an energy company in Texas, I am located in Arizona, and I have never opened an account with this company. I called the company on XXXX, and they claimed they could not find my information. 
Upon further investigation on my behalf, I came across an email from XXXX denying a personal loan. The letter reads as follows : Dear XXXX XXXX Thank you for your interest in XXXXXXXX XXXX XXXX. 

To ensure you're always informed, we're writing to let you know that we could not approve your loan request at this time because : COLLECTION TOO FEW ACCOUNTS IN CURRENT STATUS DEROGATORY PUBLIC RECORD OR COLLECTION FILED Keep in mind, your credit score will not be impacted by your request since we used a soft credit inquiry to check your eligibility. 

If you have any questions regarding this letter, write to XXXX XXXX, issuer of the XXXX XXXX XXXX, at XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. Please include your name, address and application number XXXX. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: CA

Complaint narrative:
On XXXX XXXX I filed disputes using a third party system to dispute inaccurate information on my credit report. I FILED THE DISPUTE MYSELF. experien emailed me back and said that they received information regarding my credit report that does not seem to be sent directly by me. Upon sending my disputed items i uploaded my drivers license and my address verification and experien is refusing to delete inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: Self Financial Inc.
State: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: TX

Complaint narrative:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

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 2023-06-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX is a fraudulent address listed on all XXXX credit bureaus and every account associated with that address is fraudulent as well. Please assist in removing this information off of all XXXX credit bureaus and my credit reports.

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 2023-06-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Background : Received statements with fraudulent charges- XXXX. I have worked for months to resolve this problem which was compounded by BoA refusal to speak with me or acknowledge POA. I was unable to get anything done until I made numerous complaints to cfpb. 
What is currently going on : I am still receiving fraudulent charges monthly on my father 's account. I challenged the XXXX XXXX pass and after complaining to cfpb it was finally removed. 
Just received the XXXX statement with a XXXX " XXXX XXXX '' charge on it, again fraudulent. 
I have asked, and asked, and asked BoA to take care of these fraudulent XXXX charges. This has been going on since XX/XX/2022. 
I am still receiving my dad 's charge card statements with XXXX charges! He does not use XXXX! 
I can not resolve this problem by getting a new credit card number because when my father and I both called BoA, it was probably XXXX, ( after BoA previously since XX/XX/XXXX refusing for over 30 days to acknowledge my POA and refusing to help me ) we were told that he has a POA and thus is not allowed to get a new card with a new number! So, we elected to keep the old card so he would at least have a card. We were also told by the customer service rep " why did it take you so long to report the fraud? '' So here it is, almost XXXX, and I am still trying to get this fraud that started in XXXX stopped. I can not seem to get anything done and I just don't have time for this 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 monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account. 
See the documents attached.

Company response to consumer: Closed with explanation