vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have had problems with Bank of America employing shady practices. I know they re-aged my credit card from XXXX which then listed it as *LAST ACTIVITY XX/XX/XXXX *CLOSED DATE XX/XX/XXXX and i know those expiration dates were coming up, so i paid the open balance amount in the beginning of XXXX, and waited for the Collections accounts to be removed in XX/XX/XXXX ( 7 years later from last activity ) then XX/XX/XXXX ( 7 years later from account closure ). Well now its almost XXXX and i have submitted disputed through multiple credit agencies, but they won't remove the account. My last step is to mail forms to BoA directly in hopes I catch someone who will remove the expired accounts, but I have better odds of hitting the lottery. Someone with authority needs to call them out on their shady business practices. I never thought I would have so much trouble getting a paid, expired collection removed from my reports. PLEASE HELP ME!! 

Side Note- I used to have a lot of respect for Bank of America XXXX saw them a a prestigius banking institution. What a simple fool I was. You live and you learn. Please help me fix what BoA refuses to do, but is the LAW. 

P.S.- All 3 credit reporting agencies are listing the same month and year for account closure, XX/XX/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 2023-09-22 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have credit inquires that I have no knowledge of and did not give my consent to check my credit on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I have credit inquires that I have no knowledge of and did not give my consent to check my credit on my credit file

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 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
CapitalOne aggressively markets credit cards with the " cash back '' benefit. I have several card accounts, all of which are maintained in good standing for many years. I have been fortunate to pay off most of them, and for the most part, I pay the statement balances in full each month. Some cards I use only rarely, so because I'm not gaining any " cash back '' benefits, it is inappropriate to charge an excessive annual fee. For the particular card in this complaint, with only a {$1300.00} credit limit, a {$59.00} annual fee is excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: TX

Complaint narrative:
On XX/XX/XXXX I received an alert from my credit monitoring site advising me that I have an account in collections. However, I shouldnt. I pay all my bills in time and I do NOT owe or have accounts in collections. This account was previously disputed and removed previously and somehow they replaced this account with a new collection agency. 
I am a victim of identity theft and have been since XXXX, I have over 7 police reports for identity theft, I also keep a fraud alert placed on my credit report to help protect me. 
This account was not made by me or authorized by me. 

XXXX XXXX account # 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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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: NY

Complaint narrative:
I have been a victim of identity theft. I have field the correct paperwork and sent it to the credit reporting agencies and disputed the accounts. The paperwork has not been attached to my disputes and the accounts have not been removed. 

These are the accounts : 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 2023-09-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/31, my debit card was stolen and two unauthorized transactions occurred from XXXX. The first transaction was for {$2.00}, and the second was for {$200.00}. As soon as I discovered the theft, I contacted my bank and took out a claim. They refused the claim, so I contacted them and started a second claim. This one was also refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-22 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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-22 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: MD

Complaint narrative:
CFPB, I stopped using the XXXX XXXX platform in XXXX. 

On XX/XX/XXXX, I received bill collections notice from Cedars Business Services , LLC ( collections agency ) stating I owed XXXX XXXX {$1200.00}. I didnt owe XXXX  XXXX any money when I stopped using their platform and I have never received a bill from XXXX XXXX stating I owed money. I reached out to Cedars Business Services , LLC to let them know I do not owe XXXX XXXX money and that I have never received a bill between XXXX and XX/XX/XXXX stating I owed money. XXXX XXXX is using its access to US customer information to fraudulently request payment for money that is not owed. Any assistance would be appreciated. 

XXXX XXXX User ID : XXXX Cedars Business Services , LLC Reference Number : XXXX Cedars Business Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX Monday - Friday, XXXX XXXX - XXXX XXXX PST Saturday, XXXX XXXX - XXXX XXXX PST XXXX : XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: FL

Complaint narrative:
VERIFIQUE THESE ACCOUNTS, IS NOT MINE XXXX XXXX XXXX - XXXX XXXX - XXXX IS NOT MINE 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 2023-09-22 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:
Upon checking my consumer report I noticed charge-off remarks being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX never provided me with a 1099c form notifying me that my account was charged off. As for the UCC laws XXXX XXXX XXXX also failed to follow XXXX by phone or XXXX XXXXAS for FCRA XXXX XXXX XXXX violated section 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation of any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. I also filled a compliment with XXXX. The report will be attached as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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: FL

Complaint narrative:
Upon checking my consumer report I noticed charge-off remarks being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX never provided me with a 1099c form notifying me that my account was charged off. As for the UCC laws XXXX XXXX XXXX  also failed to follow XXXX by phone or XXXX XXXX for FCRA XXXX XXXX XXXX violated section 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation of any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. I also filled a compliment with XXXX. The report will be attached as well.

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 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Credit card was Opened in my name from JPMorgan through Chase. It was a sapphire credit card. Chase removed card from my account. Opened a dispute through transition due to this being a hard credit inquiry. Would like this inquiry removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened an account with Citibank in response to their reward offer for {$1000.00} for a new account. I used my XXXX account to fund the Citi account and deposited almost {$200000.00}. I tried to make a transfer of {$9900.00} back to my XXXX account and I was blocked out of my Citi account due to suspected fraudulent activity. It has now been almost 2 weeks that I have been unable to access my funds and yesterday their team told me that they would be taking 30-60 days to review my account before closing it. They said during this time I can have no access to my money. This is not okay because it is all of my money and I am in the middle of a remodel project.

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 2023-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-22 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: MI

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. 

Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-09-22 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: FL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-09-22 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: DISCOVER BANK
State: WI

Complaint narrative:
On XX/XX/XXXX I left for a work related trip and hired a house sitter through a XXXX add to check in on my home while I was gone as I would be gone for a week and didnt want to leave things completely unattended. Her reviews were good and it appeared that she checked out so I felt comfortable with our agreement. While I was gone she had hacked into my XXXX account and used my Discover card to make XXXX different XXXX orders. These order were delivered to my home where I am assuming she collected them. When I got back from my trip I discovered my house an absolute disaster and many of my belongings gone through. I then discovered that she had made the purchases and called Discover right away to report the unauthorized transactions. I also sent report of this to XXXX as well. I called Discover on XX/XX/XXXX to find out if there was an update about my case because I saw the charges had been added back onto to my credit card and I was waiting for them to send out a form to sign verifying that these transactions were unauthorized. I was told by the employee that this was just because the case had been moved to a closed status and I would see the final credits be posted to my account and not to worry the matter had been settled in my favor. I called back a week later to see when those credits would be posting and was told that they wouldnt be because discover denied my dispute. I spoke to another employee who explained to me that they could send the case to be evaluated again and that the reason that it was denied was because the purchases were made using my XXXX account and since they couldnt prove XXXX made a mistake they couldnt dispute it. I provided an email that was sent from XXXX on XX/XX/XXXX confirming that there was unauthorized access to my account to support my case. I called back on XX/XX/XXXX to verify where the case was standing and they told me I was again denied because the email I sent to support my case was so much later than the instance. I was denied the right to see the documents that they used to make their decisions and stated all they could send was a letter explaining the reasons. They also denied my the opportunity to sign a written dispute confirming authorized transactions were placed on my card. During one of my conversations they had admitted that they had received credit back for some of the transactions and they failed to pass any of that on to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: FL

Complaint narrative:
This is my 5th time disputing inaccuracies in my credit report and hope this time something is done about it. See letters attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been a victim of identity theft. I have field the correct paperwork and sent it to the credit reporting agencies and disputed the accounts. The paperwork has not been attached to my disputes and the accounts have not been removed. 

These are the accounts : 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 explanation
Consumer complaint received 2023-09-22 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: NY

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 2023-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase will not allow me access to our account until I accept their XXXX  page " Digital Services Agreement ''. I do not have the time to review a XXXX  page document. 
I need access to our accounts- there are several business accounts tied to me, I can not just blindly " Agree '', which by the way they don't give you the option, you have to agree or you get signed out of your login. I don't know what fees they're going to try and start charging or changing... This is so not right.

Company response to consumer: Closed with explanation