vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello i have tried to resolve this matter going on a year now and what seams to be happening is my claims of fraud are getting mixed up with claims that the thief made on my accountback in the begining of pandemic i applied for unemployment back in XXXX or XXXX of XXXX right after i applied XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the remainder of XXXX well when i got home from hospital i didnt have any mail from edd so i assumed maybe i didnt get approved and back then you couldnt get a real person on the phone at all so i gave up trying to call then XXXX of XXXX comes around and i get a letter from IRS saying i needed to do taxes on all these funds i received from edd so i called and spoke to someone who confirmed that indeed i had a open account and i should call bank of america so i did and they also confirmed that a card was activated and used on my account so i got tranfered to the claims department and they told me that the person had drained my account and the thief had the nerve to open several fraud claims on my account now here i go opening up my claim which is for the transactions done between XXXX of XXXX thru XX/XX/XXXX and my claim keeps getting denied because they keep saying that they already paid me for this claim but no they paid the person who stole my account back all that money and the thief spent all that money and so i just need them to actually take the time and read my complaint and they would know that i barely found out about all this in XXXX of XXXX so if they can please not just auto deny my claim and actually see the notes on my claim this is so frustrating but i cant give up im enclosing a copy of the last denial they sent 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 2023-06-22 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: 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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have one student loan but it appears six times with different balances, two smaller amounts from the school that I never applied for a loan from them, or agreed to pay them any money, and then my student loan balance appears 4 times each claiming 120 days past due, the loan is ten years old and it was my belief that your credit report could only go back three years, but if the same company regularly reports that your 120 days past due every 120 days how is something suppose to ever fall off a credit report as the passers of the law intended if I am not mistaken. And then to have the same loan listed six different ways. It should be one strike on my credit if they go back 10 years but if they can only go back three years the student loan is from like XXXX  I believe so the debt is XXXX XXXX XXXX. I think my credit report should reflect that not make it look like it is a brand new balance every 120 days.

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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm sorry, but how did Experian decide the law requiring them to provide a free credit report didn't apply to them? Tried to obtain all 3 agency reports through XXXX, no problem with the others, but Experian says " A condition exists that prevents experian from being ablke to accept your request at this time. To obtain your annual credit report, please mail your request to the address below using the annual credit report request form '' Problem is, no such form seems to exist. I even went to their website which immediately tries to get you signed up for the premium product, or if you dig and find the link about the annual free report, it dumps you back to the beginning of the XXXX website ... .another 20 minutes entering information for the same useless, circular message. I saved a screenshot showing date and time.

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 2023-06-23 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 

XXXX XXXXXXXX XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXX Cancel contract. Please provide the original contract or delete XXXX Validate Account XXXX XXXXXXXX XXXX XXXX Validate Account * Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file. 

In accordance with the fair credit reporting act XXXX account Thank You, 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 2023-06-23 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXXXXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX  XXXX Validate Account XXXXXXXX XXXX XXXXXXXX Cancel contract. Please provide the original contract or delete XXXX Validate Account XXXX XXXXXXXX XXXX XXXX Validate Account * Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file. 

In accordance with the fair credit reporting act XXXX account Thank You, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi my ssn is coming up with someone else background check. Ive never been charged with any of these charges.

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 2023-06-22 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: NC

Complaint narrative:
I am writing to inform you that I have been a victim of identity theft, and I am seeking your immediate assistance in blocking the account associated with the fraudulent activity. I have attached documentation, including a Federal Trade Commission ( FTC ) Identity Theft Report, to support my claim. In light of the identity theft incident and to prevent further unauthorized access and potential financial loss, I kindly request that you take immediate action to block the account in question. Blocking the account will restrict any further activity or transactions associated with it, ensuring the protection of my personal information and financial well-being. I understand the importance of prompt action in cases of identity theft and the potential consequences if immediate measures are not taken. I trust that your expertise in handling such matters will enable a swift resolution to this issue. Please confirm receipt of this request and provide me with any additional steps or procedures that I need to follow to ensure the account is promptly blocked. I am available to provide any further information or documentation required to support the investigation and resolution of this matter. Thank you for your prompt attention to this urgent matter. I appreciate your cooperation and assistance in safeguarding my financial interests.

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 2023-06-23 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/2023 I contacted XXXX XXXX XXXX. I made a payment in an agreement to clear the account. They advised me that once a payment was made that they would request for the tradeline to be removed from my credit report. It has been almost 60 days and they have not done so. I would like to know that the payment was not returned, because the bureaus updated trade line as paid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: SC

Complaint narrative:
This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2200.00}, XXXX XXXX Balance : {$2400.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$10000.00}, XXXX XXXX Balance : {$0.00}

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 2023-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
They let the scammer receive the money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America allow someone or more likely the entity itself opened an account under my name and then proceeded to charge fees to an account that never had any transactions. I called and started a fraud claim where I have to give social security number, id, proof of residency, social security statement and many other items to have the account closed while in the mean time they allow the account to keep being hit with fees. they also did not require the extensive amount of information to open the account but do to now have it closed. It also goes against their internal policy which states accounts that are opened with no transaction in the first 30 days are automatically closed. When I spoke to them they continue to use their internal policies to defend not closing the account, however are not following their own policy by just closing the account from no activity for more than 30 days. I would suspect that i am not the only one who has had accounts opened under their 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 monetary relief
Consumer complaint received 2023-06-23 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: NV

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX U S DEPT OF EDXXXX XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$200.00} XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX XXXX  XXXX Balance : {$710.00} XXXX  XXXX Inquired on XX/XX/2022 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 2023-06-22 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: 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.

The letters are stated with items and issues.

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 2023-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
Beginning on XXXX XXXX, XXXX, I began receiving automated calls/ recorded messages from XXXX. After doing some quick research, I found this number is used by Aargon, an agency in XXXX XXXX, Nv. It is now XX/XX/XXXX, and I have now gotten 26 phone calls from them, even though I do NOT have ANY outstanding debts that would require a collection agency. Because of that, there is NO account # on file, or at least there should not be. I pay all of my bills on time, and nobody that bills me, has ever notified me of any delinquent payments. So to me this is an obvious scam. I've blocked their phone #, but they are still able to leave voice messages on my cell phone. The messages are almost always garbled or cut off, so I have no idea what the messages are referring to. I have sent the company an email, asking them to take me off their call list. 

Dates/ times of each phone call : ( all in XXXX ) XXXX XXXX - XXXX XXXX XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX, XXXX, XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX, three calls! 
XX/XX/XXXX - XXXX, two calls XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX, XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NY

Complaint narrative:
This is the email exchange which happened this evening ; XXXX, I responded to your message and copied it to the list as described. Here is a copy of your message, as well as screenshots of your email to me. I am also filing a formal complaint with the Consumer Finance Protection Bureau, along with a copy of this exchange and screenshots of my payments you are emailing to me. 

XXXX, Then I will disconnect my Social Security XXXX, and seek legal action, after filing a formal complaint and forwarding the details of my conversation with support. I asked for my account history and transactions, both through your app and by mail, requested a replacement card, and was given none of these Are you XXXX? You think you can keep my XXXX income and not let me access my own account after my phone was stolen? This is tantamount to fraud. 

I will seek legal aid and forward this to the proper authorities. The Consumer Finance Protection Bureau, The Justice Department, FBI and others listed in the cc : list below. Your app is a scam. I worked in investment banking most of my career at XXXX XXXX XXXX. 

cc : FBI and Justice Department, XXXX, XXXX XXXX, XXXX XXXX, XXXX, myself, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, Legal Aid XXXX Sent from my XXXX On XX/XX/2023, at XXXX XXXX, Cash Support XXXX wrote : XXXX XXXX, My name is XXXX. I'm a manager with Cash App Support. Thank you for your patience while I reviewed your case. 

I took a look at your case and can see that you have been working with us to gain access to your old account. I have reached out to a specialist to review your account and case. They have informed me that based on the information you provided, your request to access this account was not approved. 

I have been informed by our specialist that for security reasons, we are not able to grant access to the account or funds. They have not disclosed any additional details to me about this, and I can not override this decision. 



Thanks for your understanding. I hope you have a great rest of your day. 

Best Wishes, XXXX Cash App Support Manager ref : XXXX : ref ref : XXXX : ref Get XXXX for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: LEXISNEXIS
State: FL

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.

The letters are stated with items and issues.

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