vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
RE : XXXX and BOA XXXX XXXX XXXX FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX XXXX ) XXXX XXXX BOA Claim ID : XXXX and Claim ID : XXXX XXXX Claims : XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX This is an ongoing matter since XX/XX/year> XXXX These claims are incorrectly listed as Closed. They are not closed. 40 + calls to both BOA & XXXX each blames the other. 


1. XX/XX/year> I had a balance of {$2.00} in my XXXX ( XXXX  ) account. 

XXXX. XX/XX/year> My Bank of America ( BOA ) debit card was fraudulently used by XXXX to transfer {$1500.00} and {$1600.00} ( total of {$3100.00} ) from my BOA checking account to my XXXX. 

XXXX. XX/XX/year> XXXX  was used fraudulently to begin processing {$3100.00} from my XXXX  account to XXXX XXXX XXXX XXXX. ( I have NO knowledge of this bank ). 

XXXX. XX/XX/year> & XX/XX/year> Within minutes of getting a text alert, I immediately notified both XXXX  and BOA of the fraud. The XXXX  transfer was still listed as Processing or Pending. I do not know if the fraudulent transfer to XXXX XXXX XXXX XXXX was completed, but the entire {$3100.00} was debited from my XXXX account. 

XXXX. XX/XX/year> BOA credited my BOA account {$3100.00}. 

XXXX. XX/XX/year> XXXX  also credited my BOA account {$3100.00}. 

XXXX. XX/XX/year> XXXX reversed the credits : {$1500.00} and {$1600.00} ( total of {$3100.00} ) leaving me a negative balance on my XXXX account of {$3000.00} ( $ XXXX {$2.00} ). The reason given was that BOA had credited my account. 

XXXX. XX/XX/year> I sent a check ( # XXXX ) to XXXX  from BOA in the amount of {$3000.00} to cover my negative balance. The check was cashed and credited to my XXXX  account XX/XX/year>. 

XXXX. XX/XX/year> I received a notice from BOA that they were also reversing the credit of {$3100.00}. The reason given was that XXXX  had credited my account. My BOA checking account was debited XX/XX/year>. 

XXXX. I have been defrauded out of {$3100.00}. XXXX  and BOA blame each other. 


In short : - I was defrauded {$3100.00} using XXXX and my BOA debit card. 
- I was credited {$3100.00} by XXXX and credited another {$3100.00} by BOA. 
- XXXX  reversed the credit. 
- I mailed XXXX  a check for {$3000.00} ; the check was cashed. 
- BOA then reversed their credit. 
- I am left with a loss of {$3100.00} being held by either XXXX  or BOA each blames the other.

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 2024-06-05 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: PA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-06-05 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: PA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-06-05 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:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



Inquiry XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: FL

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: LA

Complaint narrative:
I was using the chime to anyone feature to send {$400.00} to my friend using their phone number. No name was shown before sending, just the phone number. I guess someone had my friends number previously and never updated it when it was no longer theirs because AFTER hitting send it shows up an account belonging to XXXX. I immediately requested it back. My friend received the request for the money but not the money. I disputed the transaction with chime and they denied it. This is clearly a major a flaw in how their system executes these transfers and I'm sure this has happened to many other people. For whatever reason they feel no need to fix it. The name should have absolutely been displayed before sending, not after.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: HI

Complaint narrative:
On XX/XX/year> I wrote a written request letter to pioneer credit recovery Inc to request my traffic court fines on my payments and balances ect... a break down on statements.they have received the certified request letter but it was sent back to sender which is me.i did have the correct address and the letter looked like it was opened, so I'm kind of confuse about what to do next.the purpose for this issue is I'm trying to get my hawaii drivers license back so I can go to and from work with the XXXX XXXX XXXX approval..

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
Upon last complaint ( complaint # XXXXRobinhood asked me to upload my bank closure letters to validate the source of my funds. I uploaded my bank closure letters through the link they gave me. They replied The documents provided to do not validate ownership of the remaining funds. They did not reply why can not validate, or what does it take to validate. I told them the funds get significantly larger is because I invested all money in XXXX and held for almost 6 years. 

I subsequently sent them email with the transfer records that prove the funds I originally transferred from these banks to XXXX ( as attached in this complaint ). They can totally verify the source of the funds by checking the transfer records in my account against the bank closure letters. 

I am really helpless and frustrated since I have provided all the evidence and Robinhood did not make efforts to really solve my issue ( they always close the case after they sent over an email, if you reply for more help, you need to start over ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: FL

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

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 2024-06-05 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: MD

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I visited the XXXX facility on Sunday, XX/XX/year>. My mother had found an XXXX ad of theirs for relatively cheap XXXX. Immediately during my consultation with a man named XXXX, he insisted that I do not need XXXX - rather a slew of lasers, injections, and fillers to be done over some time. As his face lit up, he exclaimed that he could do a before and after mother/daughter duo for {$120.00}. 
XXXX asked for my driver 's license and social security number, for what I assumed would be to input my information into their system for when we would come back for these future services. My daughter even gave him an old driving license with a previous last name before marriage and the wrong address. Upon further thought, as we were driving home, we both decided that perhaps this was not a good idea, and we should cancel. As soon as XXXX opened on Monday morning, I called the office to let them know that we would not be proceeding. At this point, the woman at the front desk stated that it was too late, but perhaps XXXX could refund half of the money. This is when I realized they had signed me up for a Care Credit card using an expired license with my incorrect last name and incorrect home address. Anything I signed that day was using pre-marriage last name. My daughter has also recently found out that they opened a SECOND credit card in her name with another bank, which she also has to claim identity theft for. It is very clear that this establishment is a scam, and that they use their clients personal information to collect money for no service. Per the Florida Attorney General, In Florida, if you contract for services to be rendered in the future continuingly, you are entitled to a three-day cooling-off period. 
At this point, I have no intention of ever going back to this establishment and am unsure How can they even claim to make me pay for something that I will never get? 
By the way, the guy who supposedly sold us, told me the next day that the owner told him '' Don't worry, this bank always stands with us and never refunds the money to the consumer.

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 2024-06-05 00:00:00
Product: Credit reporting 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In regards to the complaint # XXXX Ive already sent proof of all my documentation to Equifax and yet they still deny me access to my own credit report. I am hindered from purchasing property because Equifax continues to deny me access to my report and respond back with the same letter asking for documentation that I have already sent them. Please I need help with Equifax because they got me going in circles

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Dispute letter to Equifax, XXXX XXXX XXXX, XXXX, GA XXXX Last 4 of SSN XXXX TO WHOM IT MAY CONCERN Account Name : XXXX XXXX XXXX, I Account # XXXX I received a COPY OF MY CREDIT REPORT. To my surprise you are reporting my account incorrectly.

This collection account is reporting not only as OPEN but also shows past due balance of {$13000.00}.

According to FCRA I have the right to an accurate credit report. Please remove this account immediately from my credit report. 
Please provide a copy of my new credit report reflecting the account removed upon completion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Someone open a card in my name in another state which i do not live in.

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 2024-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Account was open for a vehicle under my name. Contacted the bank of fraud. Sent them a copy of police report, ID and a fraud form they had me fill out. Unable to reach them and this account is still in my report as debt. Its been over XXXX months.

Company response to consumer: Closed with explanation