vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-07 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:
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  account # XXXX, XXXX XXXX XXXX  account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX, Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account 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. It also states a consumer reporting agency can not furnish a account without any written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section Sates. No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of Information, other then records of conviction of crimes which antedates the report by more then 7 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 explanation
Consumer complaint received 2024-04-07 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: FirstPoint Collection Resources
State: NC

Complaint narrative:
paid a debt for insurance after I was told I couldnt get another policy until the debt was paid and the account would be removed off of my Consumer credit report once the account was settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am writing to file a formal complaint regarding an unauthorized check cash transaction that occurred on XX/XX/2018, involving check number # XXXX. Despite my immediate actions to prevent this fraudulent activity, I was dismayed to find that Bank of America proceeded with the transaction, causing significant financial inconvenience and distress over an extended period. 

On XX/XX/2018, I issued a check in the amount of {$5000.00} intended for payment to a contractor. However, before the scheduled payment date, the contractor unlawfully obtained and cashed the check without my consent. This unauthorized transaction not only resulted in financial loss but also exacerbated existing issue in long time, and brings with it some problems not resolved yet. 

Upon discovering the theft, I promptly contacted Bank of America to report the incident and going to account online took measures to cancel the check and transfer funds from my checking account to my savings account try protecting funds cover money of check. Despite my efforts, Bank of America failed to prevent the unauthorized transaction and allowed the stolen check to be cashed, resulting in an overdraft on my account and incurring a {$35.00} fee. Furthermore, the bank processed the check a day earlier than instructed, disregarding my explicit directions for " deposit only '' and the specified due date of XX/XX/2018, but again check # XXXX was stolen cash on XX/XX/2018. 

Additionally, I am deeply concerned by the lack of empathy and urgency displayed by Bank of America 's customer service representatives in addressing my complaint. Despite providing detailed explanations of the situation, I was repeatedly advised to pursue legal action against the contractor rather than receiving assistance from the bank. 

While I have taken steps to report the contractor 's fraudulent activities to the Department of Professional and Occupational Regulation ( DPOR ), resulting in fines totaling {$2500.00}, I emphasize that this does not absolve Bank of America of its responsibility to safeguard my account and provide appropriate support in resolving this matter.

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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have incorrect late payments appearing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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: VA

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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: VA

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 explanation
Consumer complaint received 2024-04-07 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX and 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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:
XX/XX/2024, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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:
XX/XX/2024, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681. 

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

According to : 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 According to : 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 explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
In early XX/XX/XXXX I notified Chase that I as unable to continue the mortgage payments due to my mother 's recent admission into a XXXX XXXX XXXX. I simply can not afford both. I wanted to explore my options for a short sale or deed in lieu of foreclosure. I was provided an application for a loan modification back in XX/XX/XXXX which I completed and submitted in XX/XX/XXXX through the website ; and again in XXXX by mail. The due date for the application was XX/XX/XXXX. 

Receipt of the application was confirmed by Chase, but I never got a response to the application. Instead I as informed by Chase that the loan is being transferred to another service provider. The taxes are past due on the home and I am seeking some relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: NC

Complaint narrative:
paid a debt for insurance after I was told I couldnt get another policy until the debt was paid and the account would be removed off of my Consumer credit report once the account was settled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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:
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 2024-04-07 00:00:00
Product: Credit 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: HI

Complaint narrative:
I got a email from Bank of America credit someone was trying to purchase for XXXX dollars XXXX transfer XXXX XXXXXXXX I reply NO Got a phone call back. here are some phone XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I talk to a guy He ask me for more informatiom I just wanted to resolve it. I ended gave my XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: TN

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 u.s.c 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXX : # XXXX, DEPT OF EDUCATION : # XXXX, DEPT OF EDUCATION/XXXX : # XXXX, DEPT OF EDUCATION/XXXX : # XXXX, DEPT OF EDUCATION/XXXX  : # XXXX, DEPT OF EDUCATION : # XXXX 15 u.s.c 1681 section 602A States I have rights to my 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 other than records of conviction 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 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 2024-04-07 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: TN

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 u.s.c 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXX : # XXXX, DEPT OF EDUCATION : # XXXX, DEPT OF EDUCATION/XXXX  : # XXXX, DEPT OF EDUCATION/XXXX  : # XXXX, DEPT OF EDUCATION/XXXX  : # XXXX, DEPT OF EDUCATION : # XXXX 15 u.s.c 1681 section 602A States I have rights to my 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 other than records of conviction 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 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 2024-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XXXX XXXX I purchased a formal dance dress. I paid express shipping for it to be here no later than XXXX XXXX. I did not receive it, or any explanation. I reached out to the company and could get a response. The event came and I had quickly purchased a dress from XXXX. 
I reached out to the company again, to cancel the item. No response. I filed a dispute with PayPal and requested my refund. They reached out to the seller and it was shipped a month later. As I said earlier I paid for express shipping. When I opened the package it smelled so bad. 
I have been a PayPal customer for years. Im not trying to scam anyone out of money. But I cant say the same about them! 
Please help me 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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have incorrect late payments showing up on my credit report. I need them removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
HI, ive been noticed from my bank and credit experian that some loans was made in my name i don't have any iedas about these loan from the company ( AFFIRM INC ) below ; XXXX- Loan of ( XXXX $ ) on XX/XX/year> XXXX Loan of ( XXXX $ ) on XX/XX/year> XXXX Loan of ( XXXX $ ) on XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I recently applied for financing through TD Bank, I was immediately denied and received a letter in the mail stating why. The stated reasons for denial did not apply to me whatsoever. I will attach a picture with the denial reasons. After jumping through multiple hoops to figure out what was happening, I discovered my credit had been merged with someone else without my knowledge or consent. I have since disputed the issues with XXXX, and my credit score reflects XXXX. After my disputes, I tried reapplying for financing and was again denied. I called TD Bank and was told that I will have to wait XXXX days to reapply because they will just keep kicking the application out to reflect the initial application.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: 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. 
XXXX XXXX account # XXXX, XXXX XXXX XXXX  account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX, Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account 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. It also states a consumer reporting agency can not furnish a account without any written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section Sates. No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of Information, other then records of conviction of crimes which antedates the report by more then 7 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