vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023 I, XXXX XXXX, consumer, and natural person, I am aware of all my rights that I have, and are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The account ( s ) below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have also filed a complaint over 30 days ago to have accuracy issues as the accounts are STILL not reporting my information correct after there update and have given them 30 days per 15 USC 1681. I am not requesting that these accounts be removed immediately from my account unless you want to be held {$1000.00} per violation. THESE ACCOUNTS ARE SHOWING INCORRECT INFORMATON Accounts still committing violations per 15 USC 1681 after investigation : Account Name : XXXX XXXX XXXX Account number : XXXX 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, Also states a consumer reporting agency can not furnish a account without written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Account Name : XXXX XXXX 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, Also states a consumer reporting agency can not furnish a account without written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Account Name : XXXX XXXX Account number : XXXX 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, Also states a consumer reporting agency can not furnish a account without written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Account Name : XXXX XXXX  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, Also states a consumer reporting agency can not furnish a account without written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Account Name : US DEPT OF EDUCATIONXXXX 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, Also states a consumer reporting agency can not furnish a account without written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, 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 2023-07-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XX/XX/XXXX a savings account was fraudulently opened up in my name using my social security number for this fraudulent act. I contacted Bank of America which is the bank I have been banking with since XXXX of XXXX they let me know when the account was open when I called and I asked about this fraudulently opened account. However they told me they couldnt give me information about this account over the phone and that they dont know what is going on I had to go into a branch to get the statements I requested from them to go over this fraudulently opened account. 
Furthermore for some reason Bank of America though it was ok and legal to join this fraudulently made account to my current XXXX checking & savings account. This is initially what made me call my bank because I had statements on my account from XXXX up to XXXX that I had no clue of. When I opened to look at the statements they are all blank. Once I expressed to them I was a victim of identity theft and I need to see that account or statements they started to discriminate stating I was being hostile & threatening them. I never once got hostil or threatened anyone the cameras will see that. However following them stating I was being hostile and threatening her she called the cops on me and band me from their bank. I have been banking with them since XXXX and kept my account at good standing and kept good standings with this bank. I am very appalled at how I was treated after expressing my identity theft & fraud. Because of Bank of America lack of privacy & protection of my identity & social security number for me as the consumer I am dealing with major losses with assets in my name & being a beneficiary of a trust. Their lack of privacy and carelessness for me the consumer someone is embezzling money from my trust account with a Bank of America fraudulently opened savings account they let run for 5 years without my consent or knowledge. I am losing so much money because of this lack of privacy with my bank.

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 2023-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Basically I was renting a car from XXXX through XXXX I was done renting car and the lady at counter said there was two contracts on the car I rented at the same time she tried fixing mistake I paid my rental in full then a week later on the same day XXXX added the additional bill on car with out my written authorization I have been disputing these charges for over 8 months then they allowed XXXX to add a third charge I told them over and over I did not authorize these charges for over {$8000.00} XXXX and XXXX are not honest companies XXXX has double charged over thousands of customers and reported rental cars stolen I refuse to pay these charges that are not mine bank of America acts like they are affiliated with 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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
ATTENTION LEGAL DEPARTMENT I have been trying to resolve errors on my report and being violated by XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. 

There is a charge-off being reported on my consumer report that is different from a statement I received from the furnisher regarding account # XXXX.This is a violation of the FCRA pursuant to 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 

A notice of dispute, debt validation, and cease and desist was delivered to this company on XX/XX/23. The response I received regarding a request for debt validation does not comply with section 1692g of title 15. The contract I received is not legible and violates my rights under TILA. 

I am giving the furnisher and alleged creditor a timely response to fix this error and refund me actual damages before I pursue arbitration.

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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Subject : Complaint Regarding Account Inconsistencies and Request for Immediate Action Dear CFPB, I am writing to express my ongoing concerns regarding an account and to request a thorough review. Despite my previous attempts, I have been unable to resolve the numerous inconsistencies and obtain proper verification. 

Upon reviewing my credit report on XX/XX/2023, I discovered that XXXX XXXX ( XXXX ) reported varying high balances : {$320.00} with XXXX XXXX {$0.00} with XXXX XXXX and {$120.00} with Equifax XXXX I question the validity of these amounts, as they differ among reporting agencies. This issue has persisted for three years, despite my repeated complaints to both the bureaus and the CFPB, including case number XXXX. 

I kindly request the immediate removal of this company and all associated information from my credit profile. 

Thank you for your prompt attention to this matter. I look forward to a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Subject : Complaint Regarding Account Inconsistencies and Request for Immediate Action Dear CFPB, I am writing to express my ongoing concerns regarding an account and to request a thorough review. Despite my previous attempts, I have been unable to resolve the numerous inconsistencies and obtain proper verification. 

Upon reviewing my credit report on XX/XX/2023, I discovered that XXXX XXXX ( XXXX ) reported varying high balances : {$320.00} with XXXX XXXX {$0.00} with Experian , and {$120.00} with XXXX XXXX I question the validity of these amounts, as they differ among reporting agencies. This issue has persisted for three years, despite my repeated complaints to both the bureaus and the CFPB, including case number XXXX. 

I kindly request the immediate removal of this company and all associated information from my credit profile. 

Thank you for your prompt attention to this matter. I look forward to a resolution.

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 2023-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
When doing services online with Bank of America credit card they do not allow the credit card holder to remove outside account such as another bank account for payment purposes. I have XXXX balance on my card and I wished to remove my bank account and I could not from my application or even just going on line to the account. So I removed digital service. That should be illegal for them to hold an outside account held hostage, I should have the ability to remove it and I do not.

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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc.
State: TN

Complaint narrative:
Conns is erroneously reporting my account to the credit bureaus. Conns is reporting the account as written off, which is absolutely incorrect. There was no amount written off. The account was paid in full. I spoke with Conns about the incorrect reporting in XXXX of XXXX, and was told it would be corrected, but Conns has not corrected the account reporting. Conns has been notified the information they are reporting is incorrect, and Conns has acknowledged they are reporting incorrect information. Yet, Conns has chosen, for over a year, to continue reporting the account incorrectly. Conns has had ample time to correct the reporting. Conns is knowingly reporting my account incorrectly to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
In XXXX I received a letter from the XXXX XXXX, FL Supervisor of elections that my data including name, address, social security number had been illegally obtained in an elections database breach. I have contacted the number on the letter and was given guidance to provide this letter to all of my financial institutions and to file a police report, which I have but am still waiting on since its an ongoing investigation involving over 50,000 XXXX residents. 

In XXXX I had noticed two successive transactions from my checking account to a sportswear merchant in XXXX for {$210.00} each. Which was unusual and NFCU found the transaction to be fraudulent. 

Nothing else unusual happened until the month of XXXX when several small, successive withdrawals from my checking account to XXXX totaling {$5300.00} as well as several small, successive withdrawals to a company called XXXX, located in XXXX, totaling {$4000.00} and a single withdraw to a company called XXXX totaling {$150.00}. 

During this time my email, several online services, business website and cell phone service were also compromised. 

I have been dealing with this issue and recovering my digital accounts and getting new financial accounts and cards as well as subscribed to XXXX XXXXXXXX. My next step is hiring an attorney to help with this matter. 

NFCU has provisionally applied a credit to my checking account for the amount of {$5300.00} but has defined the amounts of {$4000.00} and {$150.00}, claiming these amounts are typical activity without suspicion of fraud. 

Several round number amounts of {$120.00}, {$220.00} and {$250.00} sent over the course of a few days to a sketchy company located in XXXX is considered typical activity. 

I am awaiting the documentation they used to conclude that these transactions are typical activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
I did not authorize my account and information to be transferred to a third-party company. This loan to my acknowledge was paid in full by my bank at the time. I have not gotten any notifications from Spring Oaks Capital nor have I signed a contract with their establishment agreeing to any payment. Spring Oak Capital purchased the account for pennies on a dollar in hopes to collect on this account that was already paid in full through my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: GLOBAL CREDIT UNION
State: AK

Complaint narrative:
In the XXXX I did two transfer from global credit union to XXXX  and XXXXXXXX XXXX  its been over 3 business days still haven't showed and a other one onnthebXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: VA

Complaint narrative:
I am on XXXX XXXX XXXX  status. I have rights under 15 U.S.C 1681. XXXX is govern by 15 U.S.C 1681. I demand the accounts listed below be remove because according to 15 U.S.C 1681 : Attach is FTC # : 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 2023-07-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My edd card from bofa has been closed and I have called numerous times and have been to my local bank of america and nothing has been done from the bank and I am not doing to well with my health at the moment and I would appreciate it if you could help me get this problem resolved. 
Thank you and God bless 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 2023-07-17 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Abra
State: MD

Complaint narrative:
I have an account with cryptocurrency exchange Abra. The company asked me to withdraw all my assets with them in early XXXX. I withdrew the cash balance in the account totaled {$130000.00}, on XX/XX/2023. The withdrawal was intended to use wire transfer to my XXXX XXXX XXXX account. My cash asset in Abra 's account went to XXXX XXXXmmediately. However, up till today, XX/XX/2023, My XXXX XXXX XXXXXXXX account has not received this transfer at all. 

I sent a request to XXXX, complained about this problem. On XX/XX/XXXX, I received a response saying that their XXXX XXXX XXXX XXXX XXXX was ordered to stop operation by the government of Nevada. The company did not address the solution to solve this problem, and return my money back to me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. Thank you. 
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

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16 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: VA

Complaint narrative:
I am on XXXX XXXX XXXX status. I have rights under 15 U.S.C 1681. XXXX is govern by 15 U.S.C 1681. I demand the accounts listed below be remove because according to 15 U.S.C 1681 : Attach is FTC # : 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 2023-07-16 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief