vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was contacted by a representative ( XXXX XXXX XXXX ) from Bank of America on XX/XX/2023 at XXXX. I confirmed that the number of the caller matched the number on the back of my debit card. I was told that an account was set up in my name and 2 transactions were done on XXXX. One transfer was in the amount of {$1200.00} and the other transaction was for {$1500.00}. Once I confirmed that I did not open up an account online ; nor did I authorize 2 XXXX transactions, the representative then told me that they would flag the account that was opened and the 2 transactions as fraud. I was provided a cancellation number and then the representative said that they would connect me with XXXX so that the transaction could be documented and voided. 

I then spoke with a XXXX customer service representative that identified himself as XXXX XXXX ( identification number XXXX ) who then recited previous XXXX activities with a XXXX XXXX account. I confirmed that those activities were not fraud. By this point I was extremely concerned because the mere fact that the representative had told me with accuracy about previous transactions confirmed in my mind there was a security breach. I was provided codes to reset my XXXX account for both my Bank of America and XXXX XXXX accounts by the XXXX customer service representative. However over the next 24 hours, I watched as my checking accounts were debited of {$4900.00} from my Bank of America account and {$2400.00} in my XXXX XXXX account. After hours of the representative trying to reset my XXXX accounts, nothing changed. I had to terminate the call due to a family emergency. When I called Bank of America back to see if the situation had been resolved I was told that they never contacted 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 2023-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XXXX XXXX, XXXX, I received a copy of my credit report from Trans Union. While going over my report I noticed several inaccurate phone numbers that do not belong to me and should be removed from my credit report immediately. The following phone numbers have never belonged to me : XXXX XXXX I demanded that these inaccurate phone numbers be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
I can't withdraw my money just because I don't have a social security I don't understand then why they let me buy crypto and today that I need my money it won't let me withdraw it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, and 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 an account without my written instructions.

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 2023-02-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, and 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 an account without my written instructions.

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 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. 
I contacted { XXXX XXXX XXXXXXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 
I request that you investigate the [ XXXX XXXXXXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter, { XXXX XXXX } 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.

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

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 2023-02-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
DATES : XX/XX/2018 SUNTRUST : CHECKING ACCOUNT FRAUD PERSON THAT COMMITTED FRAUD IN THE INCREMENTS WERE OVER {$1000.00}. PERSON NAME ON XXXX WAS XXXX XXXX SOMETHING OVER SOCIAL MEDIA. 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 2023-02-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative marks on my credit report related to several accounts. The accounts in question are : XXXX XXXX XXXX XXXX late payment account XXXX XXXX XXXX late payment account XXXX XXXX charge off account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX collection account I am disputing these negative marks because they are inaccurate and do not reflect the true nature of my creditworthiness. Firstly, I would like to point out that I have been a responsible borrower and have always made payments on time. However, due to unforeseen circumstances such as a sudden medical emergency in my family and loss of job, I had faced financial difficulties and was unable to make timely payments. 

Regarding the charge off account with XXXX, I believe that there has been some mistake or error on the part of the bank. I had made all my payments on time, and I was not notified of any issues or non-payments prior to the account being charged off. Furthermore, I have not received any communication or correspondence from XXXX regarding the matter. 

Regarding the collection account with XXXX XXXXXXXX I am not aware of any outstanding debt with XXXX XXXX XXXX XXXX. I have never received any notice or demand for payment, nor have I been contacted by any representatives from the company. 

In light of these discrepancies, I would like to request an investigation into these negative marks on my credit report. I am willing to cooperate with any investigation or provide any additional information or documentation required to clear my name. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
USAA FEDERAL FUNDING IS DAMAGING MY CREDIT FOR AN ALLEGED DEBT WITHOUT LAWFUL VERIFICATION. I HAVE ASKED THEM TO VERIFY THE ALLEGED DEBT WITH THE ORIGINAL WET INK SIGNATURE OR DELETE THE FRAUD! PRODUCE THE ORIGINAL WET INK CONTRACT OR DELETE ACCORDING TO THE FAIR CREDIT REPORTING ACT. THAT IS THE LAW. USAA HAS SOLD THIS ALLEGED DEBT AND ARE STILL REPORTING THE ACCOUNT WHICH IS ILLEGAL. DELETE THIS FRAUD FROM MY XXXX, XXXX, AND XXXX ACCOUNT IMMEDIATELY. THIS IS FRAUD!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: CA

Complaint narrative:
I have tried to communicate with XXXX About them violationg my rights, They also Sold my information without my consent to XXXX XXXX XXXX and are actively reporting an open account on my credit report without providing me with validation, i am not requesting verification of my mailing adress or email address. 

They alsp did not provide me the disclosure forms at the begining of the credit process to opt out of credit reporting or opting in which is required by law and grounds for deletion and a mall claim they also have not provided me any documentation, a signed consumer contract with my wet signature on it stating i agree to them sharing my personal information or giving them authorization to Furnish anything on my credit report. 

Ive contacted this company and the credit bureaus about this issue numerous times, i have documented the reception of my communication in XXXX and mid XXXX. 

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent Under 15 USC 1666b A creditor XXXX not treat a payment on a credit account under an open end consumer credit plan as LATE fro any purpose unless the creditor has adopted reasonable procedures to ensure each periodic statement including the information required by section 1637b of this title is MAILED or DELIVERED to the consumer not later than XXXX days before the payment is due.

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 2023-02-24 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:
I have tried to communicate with XXXX About them violationg my rights, They also Sold my information without my consent to XXXX XXXX XXXX and are actively reporting an open account on my credit report without providing me with validation, i am not requesting verification of my mailing adress or email address. 

They alsp did not provide me the disclosure forms at the begining of the credit process to opt out of credit reporting or opting in which is required by law and grounds for deletion and a mall claim they also have not provided me any documentation, a signed consumer contract with my wet signature on it stating i agree to them sharing my personal information or giving them authorization to Furnish anything on my credit report. 

Ive contacted this company and the credit bureaus about this issue numerous times, i have documented the reception of my communication in XXXX and mid XXXX. 

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent Under 15 USC 1666b A creditor may not treat a payment on a credit account under an open end consumer credit plan as LATE fro any purpose unless the creditor has adopted reasonable procedures to ensure each periodic statement including the information required by section 1637b of this title is MAILED or DELIVERED to the consumer not later than 21 days before the payment is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: CA

Complaint narrative:
I have tried to communicate with XXXX About them violationg my rights, They also Sold my information without my consent to XXXX XXXX XXXX and are actively reporting an open account on my credit report without providing me with validation, i am not requesting verification of my mailing adress or email address. 

They alsp did not provide me the disclosure forms at the begining of the credit process to opt out of credit reporting or opting in which is required by law and grounds for deletion and a mall claim they also have not provided me any documentation, a signed consumer contract with my wet signature on it stating i agree to them sharing my personal information or giving them authorization to Furnish anything on my credit report. 

Ive contacted this company and the credit bureaus about this issue numerous times, i have documented the reception of my communication in XXXX and mid XXXX. 

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent Under 15 USC 1666b A creditor may not treat a payment on a credit account under an open end consumer credit plan as LATE fro any purpose unless the creditor has adopted reasonable procedures to ensure each periodic statement including the information required by section 1637b of this title is MAILED or DELIVERED to the consumer not later than 21 days before the payment is due.

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 2023-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Hello my name is XXXX XXXX on XXXX XXXX at XXXX I was contacted from the chase customer service number telling me that there were some fraudulent activity on my account that there were some wire transfers pending and the representative said we had to schedule a reverse wire transfer he then proceeded me through the process only to have me transfer all of the money out of my account {$17000.00} I contacted the chase number back as soon as possible they said the transfer was completed I let them know it was a fraud and I had been scammed by a representative im currently waiting to hear back from them with no hope. I also went to my nearest chase branch and there was nothing they could do. The same day I called XXXX XXXX XXXX which is the thiefs bank where the money was wired they said they couldnt help me and could only talk to the fraud team at chase. I later messaged chase fraud and they spoke to XXXX  XXXX XXXX and said they were requesting a hold of harmless letter which chase would not give me. I have contacted XXXX XXXX XXXX XXXX XXXX only then did I hear from a chase executive representative she took days to get back to me. She was able to send a hold of harmless but i have not heard anything. I am a mother of two with one on the way this was all of my savings they took all the money and left me nothing I have no hope that chase will help me so I am reaching out with hopes that you might be able to help me please feel freee to contact me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX credit card with XXXX XXXX  changing to XXXX XXXX credit card. My due date is XXXX each month. Upon paying for XX/XX/XXXX which is the day I get ssi. Their site was down XXXX  and XXXX, I tried calling them and no contact number worked. Including for XXXX XXXX car number. They charging late payment and and outrage interest rate in the 30 percent range. I would not have joined if I knew that the card is not XXXX. At the present there is still no way go contact them, other than online mail which I did. Now I am finding lots of consumer abuse and ignoring members. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XX/XX/2023 at XXXX XXXX  I contacted account resolution services and I was advised that they were told I had an attorney in which I did not have an attorney. I also was advised on a recorded line that they received my dispute from XX/XX/2023 and they did not act on it or respond on it because they were under the assumption that I had an attorney which was false pretense. I also know that, according to the federal credit reporting act. You have 30 days to respond to the letter asking to verify that they violated this right but not responded to me. Today is XX/XX/2023 they received a letter back in XX/XX/2023. They have violated the federal federal credit reporting act of that validating the dead deer, for this should be deleted. Also, they are reporting the deck is past due, which is also at XXXX to guidelines violations being that they are a credit collection company they can not report that has passed you, because the deck is not all to the empty purchased a debt from the original creditor so on Also, the debt is a violation of my HIPAA at which means no medical or personal information of mine could be sold to the collection agency and collected on by XXXX agency there, in violation of the hippo app, which is also a violation of medical records being sent to collections without my permission My conversation was being recorded, and when I brought it to the ladies attention that she screwed up, she tried to transfer me to a supervisor who also never answers the phone or ever gets back in touch with me. She said she had to watch what she said to me so she didnt XXXX herself over and when she did she needs this account needs to be deleted ASAP. I have contact with him on several different XXXX XXXX I have not gotten a response at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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