vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 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: TX

Complaint narrative:
I recently put a copy of my credit report and realized that I have fraudulent activity. Accounts listed below as follows. 

XXXX XXXX Amount : {$1000.00} Opened XX/XX/XXXX XXXX Amount : {$0.00} OPEN XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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.

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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX I mailed a check in the amount of {$31.00}. Paying the account in full. 
XXXX payment of XXXX was due. 
XXXX I was contacted by bank there was fraud on my account. My account was frozen. 
XXXX I received a second bill with late fee. 
XXXX I contacted Comenity credit for a request to waive the late fee for this one time. They declined. I sited the message on the statement which said they may occasionally provide a credit on the late fee. They said I wasn't eligible for that because my account was closed. I had my account closed due to the fraud. 
XXXX I paid my account in full + late fee through their automated system, {$64.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2024-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
im getting phone calls from a company called credence collections. i will not speak to any collectors. all my debt is current, as my credit score keeps going up. i keep getting phone calls from fake debt collectors who are probably a ghost debt collector. the credit bureaus should not allow any other companies to view your credit report without proof of a valid debt or without peoples consent. this company is being blasted online that they are placing invalid debt onto peoples credit reports. no company should be able to do this with no proof of validity that its a current debt not past statue of limitations. please do something to prevent this from hurting peoples credit reports. this happened to me once, dropped my score by XXXX points by some scam company and once removed from my credit report i only got XXXX of those points back. i will not speak to someone i do not owe a debt to. they will entrap people and may steal my information from my phone. no thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
They have rearranged my purchases to purposely go in the negative and I specifically remember and documented that I had enough funds for all the purchases. they have done this countless of times and I dont get paid till next week so Im gon na get overdraft fees. For example I had a purchase of around XXXX but I then refunded it with the company. How does the purchase come after the refund? They rearranged it that way so it can go in the negatives. I bank with Wells Fargo.

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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I paid this card off in XX/XX/2024 and havent used it at all recently. Out of nowhere, my credit score drops, and I receive a letter saying I owe money! They charged me a fee that I never consented to and then started adding interest on that fee they imposed. To make matters worse, they reported my account as delinquent to the credit bureaus! I havent even used the card! If they dont stop charging these fees and remove the false report submitted to the credit bureaus, I will pursue legal action.

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 2024-12-14 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. 

XXXX # XXXX XX/XX/XXXX - Balance : {$350.00} XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$3200.00} XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$3200.00} XXXX XXXX  # XXXXXX XX/XX/XXXX - Balance : {$3200.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$500.00} XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$500.00} XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$500.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$2200.00} XXXX FCU # XXXX XX/XX/XXXX - Balance : {$2200.00} XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$2200.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$690.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$590.00} XXXX # XXXX XX/XX/XXXX - Balance : {$590.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/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 2024-12-14 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: PA

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 XXXX # XXXX XX/XX/XXXX - Balance : {$1800.00} Account Name : XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$2500.00} Account Name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Account Name XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$500.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$500.00} Account Name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$160.00}

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 2024-12-14 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 trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX # XXXX XX/XX/XXXX - Balance : {$350.00} XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$3200.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$3200.00} XXXX XXXX # XXXXXX XX/XX/XXXX - Balance : {$3200.00} XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$500.00} XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$500.00} XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$500.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$2200.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$2200.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$2200.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$690.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$590.00} XXXX # XXXX XX/XX/XXXX - Balance : {$590.00} UNAUTHORIZED INQUIRIES : XXXX XXXX OF XX/XX/XXXX 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 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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have many unauthorized transactions on my Bank of America account coming from fanduel. This has been going on from XX/XX/XXXX until I went to file a fraud claim XX/XX/XXXX. I do have a fanduel account which I do make deposits on but there were hundreds of transactions on my Bank of America statement that were not me. The unauthorized transactions started in small amounts which gradually gotten bigger over time which is how I noticed. I have spoken to Bank of America fraud department several times the first phone representative I spoke to put in a random amount I did not give him specific transactions, and of course that was denied. Bank of America told me to compare my bank statement to my fanduel statement and write out which transactions I did not do. After I did that I filed a new claim with the correct fraudulent transactions, and the phone operator told me so send my proof and documents to an email with my claim number on it, just to find out they gave me a business account email so they never received it, he also told me I would receive temporary credit in XXXX business days. I never received credit so I called and I was told that was inaccurate information. I reopened my fraud claim and went to a Bank of America XXXX XX/XX/XXXX so they can fax my documents over to the correct fax number and the fraud department didnt even take time to review them because they denied my claim again, only hours later. I dont know if my only option left is to make a police report, Bank of America keeps denying my claim, stating that these transactions are probably me or a friend that I allowed to use my card, which is completely false, I have been short {$4200.00} since XXXX and I dont know what to do, I did my part and sent my proof, it should be a priority for a bank I been banking with since XXXX to help me, this is the first time I ever had an unusual pattern in my bank account history and they will not help me. I spoke to at least XXXX different operators since XXXX which I keep getting passed around false information and not receiving the correct help. The documents I sent in are proof of my fanduel statements that show exact times, dates and amounts of money I have deposited into fanduel each month.

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 2024-12-14 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: VA

Complaint narrative:
Hello, my name is XXXX XXXX, and I am submitting this complaint/dispute without error or any influence from any third-party agency. Please see the following attached documentation below and meet my requests as soon as possible. THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Hello, my name is XXXX XXXX, and I am submitting this complaint/dispute without error or any influence from any third-party agency. Please see the following attached documentation below and meet my requests as soon as possible. THANK YOU!

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 2024-12-14 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: PA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA 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 XXXX # XXXX XX/XX/XXXX - Balance : {$1800.00} Account Name : XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$2500.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$500.00} Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$500.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$160.00}

Company response to consumer: Closed with explanation