vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-18 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
A cashiers check was sent to my daughter who is a customer of Fifth Third. The cashiers check did clear and she was able to access the funds. Shortly afterwards, they froze her account and requested information that was not necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
For XXXX XXXX XXXXXXXX, I booked a hotel ( XXXX  XXXX ) in XXXX XXXX on XXXX through the Bank of America website and using the Bank of America credit card. The reason I did this is because there was a 20 % discount advertised on the BofA website. 
I fulfilled all the conditions listed and yet did not receive the discount. 

Billing details : Transaction date - XXXX. Transaction amount - {$340.00}. 
I submitted a claim with the credit card company ( BofA ). They initially said I didnt have to pay the disputed amount ( {$78.00} ). However, 6 weeks later, they charged me the disputed amount again. 

I have called them several times but they refuse to resolve the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: SC

Complaint narrative:
US Auto went out of business due to fraud and sent our loans to a predatory lender by the name of westlake portfolio management. My loan amount and interest rate is ridiculously high for the value of the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: FL

Complaint narrative:
To Whom it Concern I am writing to formally dispute the inclusion of certain items in my consumer report, which I believe were reported without my written consent. I am bringing this matter to your attention in accordance with the provisions of 15 USC 1681b, which safeguards the privacy of consumer information.

I filed a report with the Federal Trade Commission ( FTC ) regarding the unauthorized reporting of my personal information, which I believe constitutes identity theft. I have been issued a reference number for this FTC report, which is [ XXXX ]. 

According to 15 USC 1681c-2, consumer reporting agencies are required to promptly block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft. I kindly request that you adhere to this legal requirement and remove the following accounts from my consumer report immediately : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXI Account Number:XXXX  I expect these accounts to be removed within the time frame specified by law, not later than four business days after the date of your receipt of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 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: FL

Complaint narrative:
To Whom it Concern I am writing to formally dispute the inclusion of certain items in my consumer report, which I believe were reported without my written consent. I am bringing this matter to your attention in accordance with the provisions of 15 USC 1681b, which safeguards the privacy of consumer information.

I filed a report with the Federal Trade Commission ( FTC ) regarding the unauthorized reporting of my personal information, which I believe constitutes identity theft. I have been issued a reference number for this FTC report, which is [ XXXX ]. 

According to 15 USC 1681c-2, consumer reporting agencies are required to promptly block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft. I kindly request that you adhere to this legal requirement and remove the following accounts from my consumer report immediately : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX I expect these accounts to be removed within the time frame specified by law, not later than XXXX business days after the date of your receipt of this letter.

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 2023-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kirschenbaum & Phillips P.C
State: NY

Complaint narrative:
On XX/XX/XXXX Kirschenbaum & Phillips PC. XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX Tel. # ( XXXX ) XXXX liened my bank account in the amount of {$6300.00} plus {$120.00}. Fees for a debt they claimed dated back to XXXX. I have no record or recollection of this debt from XXXX years ago. They appear to have quite a bit of information on me, but I know nothing about a XXXX XXXX overdraft account. My Credit history reports are clean. This XXXX debt claim is unacceptable and I need my bank account released immediately. Respectfully XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: WI

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My information on my credit report was reported as compromised on XX/XX/XXXX. 
The information below was reported as compromised. 
XXXX - XX/XX/XXXX Banking Acct : - XXXX Email - XXXX Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All information is incorrected. 
I will be disputing this with XXXX, Equifax, & XXXX. 

This has caused my credit score to decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TransferWise Ltd
State: FL

Complaint narrative:
On the XXXX XX/XX/2023 I tried to buy some hand bags online on the XXXX, using XXXX digital card from Wise. When I was completing the transaction they took my card details and XXXX XXXX, after a week ( XXXX XX/XX/2023 ) they emptied my bank account on Wise sending over XXXX $ in more than XXXX transactions to a site in XXXX XXXX in XXXX. Obviously all UNAUTHORIZED Transactions. I informed immediately the bank that those are unauthorized transactions but they didnt replied to me. How can I proceed in order to get a refund for my losses? Theyre still trying to get my money but right now I blocked the card so the last transactions ( XXXX XX/XX/2023 ) has been refused!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I do not recognize this. 
XXXX This inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I requested a loan with Affirm for XXXXXXXX  ( airline tickets ) on XX/XX/XXXX, in the amount of {$1900.00} as I thought I needed to add additional funds to cover fees, however the amount I used was {$1500.00} +fee for total paid of {$1600.00} which has been paid in full of an adjusted amount of {$390.00} by Affirm Inc. XXXX XX/XX/XXXXXXXX XXXX XXXX 
The amount of the purchase by virtual card was not {$1900.00} and they are reporting to XXXX as account settled which is inaccurate. I have tried to resolve this directly with them several times and they said would send me a letter to provide to the credit reporting agencies but have failed to do it and this has impacted my credit score. This false information they are reporting. I opened a dispute with XXXX on XX/XX/XXXXXXXX  and spoke to XXXX again on XX/XX/XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: WI

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-18 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I do not recognize this. 
XXXX This inquiry was not authorized 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 2023-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: TX

Complaint narrative:
Capio Partners a debt collector harassing me to collect {$300.00} from XX/XX/XXXX of XXXX without any billing notification mail or email notification after 2.5 years. XXXX XXXX ( XXXX XXXX ) harassing me all of a sudden after 2.5 years without no billing notification, mail or email notification telling me I owe {$1100.00} in medical bills. 
XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, PA XXXX Billing Office : XXXX This is terrible after 2.5 years without notification that these debt collectors are harassing me that I owe them. I didn't have any chance to file a complaint at the time of service, I don't have the same insurance anymore, I don't have records of this and the statute of limitations on debt is over and against the Fair Debt Collection Practices Act. This is also against the No Surprise Act for medical billing me all of a sudden out of nowhere. 

In the related matter, hospitals and other medical providers in New York are banned from reporting medical debt to credit agencies under a bill passed in XXXX by the states legislature. 

This medical service at the time was under an attorney for medical malpractice. 

I am filing a complaint, I would like this to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have requested documents from the Bureaus! I have been ignored multiple times!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am writing to report an incident of identity theft that has caused significant distress and financial harm. My personal information was illegally used without my consent, resulting in unauthorized transactions and suspicious activities on my accounts. 

I have taken immediate steps to secure my financial assets and filed a report with the Federal Trade Commission ( FTC ). I am seeking your assistance in investigating this matter and apprehending the individuals responsible. 

Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am a bank of America XXXX card holder. They were ordered to pay back claims by the cfpb as well as compensate for our losses. 
They have locked me out of my account. They are now trying to use a deposit made by the state of az for partial payments they owed me, and say they are part of my claim. They also have added claims to my account that are not even possible... ..in total my only claim filed was for XXXX XXXX and XXXX That does not include the XXXX $ that they rejected in unemployment funds because my account was frozen. 
I have been calling them for 1 month now XXXX and they just pass me around and hang up on me. Now they said that my claims have already been paid out? 
They are stealing money still.

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Hello I have been sending information to the credit bureaus for a year asking them to please investigate. It is not the first time that I have worked on my credit, in XXXX I fixed it and the process was not as long and tedious as it has been now, I don't know what happened. I have gone to their websites to see if the conditions have changed and I see that they have not, since they are still supposed to respond to me within 60 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OPTUM BANK, INC.
State: TX

Complaint narrative:
XXXX ( XXXX XXXX ) harassing me all of a sudden after XXXX years without no billing notification, mail or email notification telling me I owe {$1100.00} in medical bills. XX/XX/21 XX/XX/21 XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, PA XXXX Billing Office : XXXX This is terrible after XXXX years without notification that these debt XXXX are harassing me that I owe them. I didn't have any chance to file a complaint at the time of service, I don't have the same insurance anymore, I don't have records of this and the statute of limitations on debt is over and against the Fair Debt Collection Practices Act. This is also against the No Surprise Act for medical billing me all of a sudden out of nowhere. In the related matter, hospitals and other medical providers in New York are banned from reporting medical debt to credit agencies under a bill passed in XXXX by the states legislature. This medical service at the time was under an attorney for medical malpractice. I am filing a complaint, I would like this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I do not recognize this. 
XXXX This inquiry was not authorized 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 explanation