vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 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: NY

Complaint narrative:
My XXXX account was hacked. Then they hacked my Bank of America account. 
They credited me the money back. {$750.00}. 
Then they took it back. 
I wrote them, no reply.

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 2023-12-06 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: PA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : 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.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

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 2023-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: OR

Complaint narrative:
My loans are currently serviced by EdFinancial. They are ten year standard loans, and I have not changed my repayment plan from what was defaulted. When interest accrual resumed on student loans in XXXX of 2023, they quoted my monthly payment to be ~ {$1300.00}, a roughly {$300.00} overcharge based on calculations by both EdFinancial and Studentaid.gov. I reached out in XXXX via email regarding this discrepancy, which they acknowledged but did not explain. I was told to wait 7-10 business days for resolution, then 30 business days ; during this time I paid off one of four loans in its entirety. My monthly balance shifted slightly in XXXX, but was still an ~ {$130.00} overcharge. I reached out again ( first by phone, then again by email ) about the continued discrepancy in XXXX, having already made one overcharged payment. They again acknowledge the discrepancy and change my loan balance, but this time it is much lower than my estimated monthly payment. On the statement provided to me regarding this change, they quote my monthly payment as " {$800.00} '' ( this is correct ) and yet in the schedule of payments section have me billed at {$750.00} for the next ten years. 

I submitted a complaint to studentaid.gov and have not received any response after two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: IL

Complaint narrative:
During 2022, many accounts appeared on my credit reports that I have nothing to do with and do not belong to me. As such, they should be removed from my report, however, regardless of multiple attempts, I have been unable to successfully complete dispute process to remove some of the errors from the reports. I am using this CFPB complaint as a last resort prior to having to result in legal action to have my credit reporting corrected.

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 2023-12-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting and creditonebnk 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  has violated my rights 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 ; It also states a consumer reporting agency Can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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:
In accordance with the Fair Credit Reporting and 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 has violated my rights 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 ; It also states a consumer reporting agency Can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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: WI

Complaint narrative:
I am writing to formally request the reversal of late payments reported on my credit history. All payments should show OK or not be present. I understand the importance of maintaining a positive credit profile, and I am committed to rectifying any discrepancies in my credit report. 
I have recently reviewed my credit report and noticed that late payments were reported on the following accounts : XXXX XXXX XXXX # XXXX Date of Late Payment ( XXXX ) : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX Bank : XXXX Date of Late Payment ( XXXX ) : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Late Payment ( XXXX ) : XXXX XXXX XXXXXXXX XXXX Account # XXXX Date of Late Payment ( XXXX ) : XXXX - XXXX, XXXX, XXXX, XXXX, XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Late Payment ( XXXX ) : XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Late Payment ( XXXX ) : XXXX - XXXX, XXXX, XXXX, XXXX Per the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

15 U.S.C 1681 Section 602 : A. States I have the right to privacy.

15 USC 1681a 2 ( A ) ( i ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1618s-3 of this title, any- ( i ) -a report containing information solely as to transaction or experience between the consumer and the person making the report.

15 U.S.C 1681 Section 604 Section 2 : States a Consumer reporting agency can not furnish an 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 the 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 or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am writing to formally request the reversal of late payments reported on my credit history. All payments should show OK or not be present. I understand the importance of maintaining a positive credit profile, and I am committed to rectifying any discrepancies in my credit report. 
I have recently reviewed my credit report and noticed that late payments were reported on the following accounts : XXXX XXXX XXXX # XXXX Date of Late Payment ( XXXX ) : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Date of Late Payment ( XXXX ) : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Late Payment ( XXXX ) : XXXX XXXX XXXXXXXX XXXX Account # XXXX Date of Late Payment ( XXXX ) : XXXX - XXXX, XXXX, XXXX, XXXX, XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of Late Payment ( XXXX ) : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Late Payment ( XXXX ) : XXXX - XXXX, XXXX, XXXX, XXXX Per the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

15 U.S.C 1681 Section 602 : A. States I have the right to privacy.

15 USC 1681a 2 ( A ) ( i ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1618s-3 of this title, any- ( i ) -a report containing information solely as to transaction or experience between the consumer and the person making the report.

15 U.S.C 1681 Section 604 Section 2 : States a Consumer reporting agency can not furnish an 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 the 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 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 2023-12-06 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: PA

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
On XX/XX/XXXX I received a Bamk of America Transfer Order in the amolunt of {$150000.00} US. I thought this looked to be a scam so I investigated it by several emails to XXXX XXXX, Executiver Vice President of the Bank of America Escrow After many emails in the months that followed I sent her a form to comfirm this was real. I asked her if it was fraud not to sign it. Also that if it turned out to be fraud later, she would have to pay for this from her own funds, thus guaranteeing the funds would be sent to me. This was on XX/XX/XXXX that she sugned and returned it to me. I was requested to pay {$2800.00} US to XXXX XXXX XXXX XXXX. I paid {$1000.00} on about XX/XX/XXXX and the balance on XX/XX/XXXX. Aftere many, many more emails to her requesting my funds be release and paid to me, I got a message from her on XX/XX/XXXX stating that they totally agree with the guarantee that was signed, that the money is only waiting for the payment to be released. Being it is impossble to make any more payuments from here, can not do a bank transfer etc, I requested any furher charges be deducte from the transfer. Many more mails were written, threats were made to have the Bank of America math any funds transferred out of that bank, and other things. Now she won't even answer my emails, the last time I tried to write to her I got an error message saying my message was not delliverable. I never received any money whatsoever, My local police department declared this to be fraud. I have lost the {$4000.00} US plus the funds promised to me. i am a XXXX citizen living in XXXX. If more information is requred please email 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 explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I had a corporate Amex card through my last company, when I left the company in XXXX XXXX I paid the balance and the card was confirmed closed by XXXX XXXX. Since then I continue to receive phone calls ( that start at XXXX, including on weekends, and continue throughout the day to XXXX any day of the week ) and now I'm getting emails about collecting on a past due amount for that card. I answer every call to explain the situation, every time the customer service person confirms the account was paid in full and closed, they assure me I will no longer get calls, calls haven't stopped nor have the emails. I report the emails to my email provider and try to block the senders to no avail. Recently, they have stopped responding when I answer a call, I'm sure my number is robo dialed then the rep sees a some kind of " DO NOT CALL '' message on my account and they hang up before speaking to me, but its just as harassing as them answering. How do I get this harassment to stop? I'm happy to sue if needed to get this to cease, I'm at my wits end. I have spoken to any department that will listen, usually they just dump me through a few departments and then I get hung up on, shocker, with no actual resolution. I also wrote to their " compliant '' department but haven't gotten a response. Help, I'm being harassed by AMEX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
XXXX applied for financing for a new vehicle. We were told we were approved yo which I verified more than once with approving bank. We were told the interest rate, agreed on down payment, agreed on trade in amount. 
I asked them for manufacturer discount for being XXXX veteran and was told no. 
The dealership used high pressure tactics and told us deal was only good through XXXX. I explained that my wife is a XXXX XXXX and had to work but could come to dealership XXXX. We were again pressured to go to dealership by XXXX. We went to dealership XXXX. We signed a contract, paid our cash down payment, left our trade in and drove new car home. 5 days later the dealership called and frantically told us that we needed to return the car. They didnt say a word about returning our down payment or trade in. They said either return the car or finance through the manufacturer at a much higher interest rate. The dealer did not disclose the buy rate or other banks that would finance us. The only option was to finance through manufacturer at much higher rate and we were told this had to be done immediately. We felt enormous pressure to sign new contact out of fear of losing new car, losing down payment, losing trade in. To us, the dealership did a classic Yo Yo finance scam. They completely took advantage of me and wife knowing that we have good income and knowing we were getting car for our daughter. Now our monthly payment is considerably higher and the amount paid through end of loan is much more. They also tried to sell an extended warranty which we refused but as we were walking out of finance office we were told car has lifetime powertrain warranty if we brought car in for annual inspection. High pressure, deceptive tactics, Yo Yo scam. Told by sales manager to refinance it if we didnt like loan terms with manufacturer. Shameful behavior. Finance guy is very dishonest and should not be working in a position of trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against ( insert name of collection agency ) ( Account # ) for knowingly reporting inaccurate data to the credit bureaus. My credit profile is being negatively affected by these penalties, and this appears to be suspicious and deceptive behavior. I am demanding proof of valid authorization/proof of alleged debt. Reporting this information without proper disclosure requirements is in direct violation of my consumer rights. I am legally requesting a description of the details of the verification process used to verify this alleged account. I am also requesting that you provide me with the forward flow agreement between you and the original creditor, since this debt was purchased by you and I have no contract with you. Purchasing of this debt from the original creditor, XXXX XXXX XXXX, does not guarantee that the information is accurate. Federal law requires you to respond to this complaint within 30 days. Failure to comply with these federal regulations by FTC USC 41 ET ESQ. I am maintaining a careful record of my communication with your company. I have attached documentation to this complaint. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I was XXXX from XXXX XXXX XXXX XXXX XXXX XXXX while I was locked up someone stole my wallet and used up all my credit cards. I have told the credit card companies as well as Experian and they refuse to remove the negative reports in my account. This was fraudulent activity which I had no knowledge of until after I was released from prison

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