vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I reached out to my Bank, Bank Of America, for assistance in helping me retrieve my money back from a fraudulent situation that took place from a CPA back in XX/XX/2024. The CPA stole {$1200.00} from me and did not produce the services that were agreed upon in contract. The Bank credited my account to XXXX until they can resolve the situation but never gave me a reasonable remedy to why they could not credit it back to me even when I provided proof of conversation, the ghosting from the CPA, and the {$1200.00} receipts, and contract provided. I have been with this Bank for over 15 years and to be handled like that and for them to allow a fraudulent transaction like that to go through. To allow that such an unprofessional person to keep money that they did not earn in any way, form of fashion without producing a product or service is bewildering to me. Losing trust in my bank to fight for me after a fraudulent situation happening to me from what i thought was a professional company very disappointing and heartbreaking.

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 2024-09-07 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: AZ

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts are attached to the identity case I was involved with and instructed by the FTC to file a report- FCRA and this account is still not removed and notified that account will not be blocked. Transunion is still reporting this inaccuracy to my credit profile. 

Please see attachments that I sent in last month with the FTC report, Police Report and copy of the most update report by a different bureau. Please remove inaccurate information noted above that does not belong to me and remove from my Transunion credit profile immediately after reviewing relevant documentation.

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 2024-09-07 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: NY

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: NY

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

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 2024-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: DE

Complaint narrative:
The Uniform Commercial Code ( UCC ) governs commercial transactions in the United States, including banking and financial transactions. While the UCC itself doesn't specifically address the opening of bank accounts, it does provide some principles that can be relevant. 

1. **Good Faith and Fair Dealing** : Under the UCC, there is an implied duty of good faith and fair dealing in all contracts. This means that banks must act honestly and fairly when dealing with customers. If a bank denies you an account without a valid reason, it could be argued that they are not adhering to this principle. 

2. **Discrimination Laws** : While the UCC focuses on commercial transactions, other laws, including federal and state anti-discrimination laws, may also apply. Banks can not deny services based on race, gender, religion, or other protected categories.

3. **Consumer Protection** : There are various consumer protection laws and regulations that banks must follow, which often require them to provide clear reasons for denying a service. If a bank fails to provide any reason for denial, it may be violating these regulations.

In summary, while the UCC may not directly state that it's illegal to deny an account without reason, principles of good faith, along with consumer protection laws, suggest that banks must provide legitimate reasons for their actions. If you feel you have been wrongfully denied an account, you may want to consider reaching out to a legal professional or a consumer protection agency for further guidance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been trying to regain access to my Equifax account online but when I try to log into my account I receive an error message stating " We are temporarily unable to complete this request, please try again ''. I've tried multiple times on different days and times to login and I continously get the same message. I contacted Equifax customer service and was told to reset my password and login without any issues, I reset my password since I've contacted them and I still continue to get the same message " We are temporarily unable to complete this request, please try again '', this is now an issue that I hope to resolve. Equifax doesn't seem to care or help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: FL

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2024-09-07 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XX/XX/XXXX To : Experian Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I received a copy of my credit report, and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

List : XXXX XXXXXXXX, XXXX, XX/XX/XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX due to the abusive and unfair practices. 
You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED and update my payment history to a green check or gray it out. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 

Best Regards 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 2024-09-07 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2024-09-07 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: NJ

Complaint narrative:
I am writing to dispute inquiries on my credit report that I did not authorize. These unauthorized inquiries are negatively affecting my credit, and I request their immediate removal. 

According to the Fair Credit Reporting Act ( 15 USC 1681b ), consumer reports can only be accessed with my permission. Since I did not provide written consent to these inquiries, please remove the following from my credit report immediately : 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2024-09-07 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: NJ

Complaint narrative:
I am writing to dispute inquiries on my credit report that I did not authorize. These unauthorized inquiries are negatively affecting my credit, and I request their immediate removal. 

According to the Fair Credit Reporting Act ( 15 USC 1681b ), consumer reports can only be accessed with my permission. Since I did not provide written consent to these inquiries, please remove the following from my credit report immediately : XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I first wrote to chase bank at customer service XXXX XXXX XXXX, XXXX, DE XXXX, on XX/XX/XXXX weekend send my name and account number and the dollar amount I was disputing, which was/ is {$310.00} from the XXXX XXXX. My letter to CHASE MARRIOT XXXX VISA is the same as here. 

I made sure they had internet because I had to write for help from FTC, I had lawyers to hire and pay bills online. After unpacking, and lunch, I started to work to find out there was no internet at all in these cabins and no TV.!!! I HATE BEING DECEIVED, ANYONE THAT CAN MAKE MONEY FROM YOU, AND YOUR OVER XXXX THINK THEY CAN TELL YOU ANYTHING TO GET YOUR MONEY. 

BY XXXX I WALKED TO THE OFFICE, and being Tuesday, they closed by XXXX or XXXX XXXX. and there phone system gave no info on the amenities. So, I wasted 1 night not being able to work online. By XXXX, I was at the office again, to get an excuse, " we'll send someone to fix it, '' Two different people a different times in the morning came over to waste my time to come up to the same answer that there was no Internet to the cabin at all. Just after noon, that dayt a work crew started to hang tv satellite dishes and work on cables. There still as no inrternet or TV, and I was already packing, my car and made reservations elsewhere. THERE WAS NO INTERNET AND NO TV, they lied and I LEFT, I demand 100 % refund for this FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: NV

Complaint narrative:
XXXX failed to provide any transaction history or verification for the disputed accounts, despite my request. They implied that I benefited from fraudulent transactions without presenting any evidence and refused to provide me access to the information they used to make their decision. Either they withheld key documentation or made their determination without reviewing any proper evidence. I am requesting that XXXX verify every detail of every account with adverse information on my report, as they failed to properly investigate and provide the necessary verification. If they can not provide this, I demand the removal of all adverse information from my credit report. Furthermore, I am asking that they provide me the evidence and justification that they used to not to investigate my claims if the accounts remain. There are multiple errors and with the hostile response. I am receiving to try and just straightened it out. I would like for them to verify everything well under scrutiny. I am still seriously ill and do not need to be dealing with this as it exacerbates my condition.

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 2024-09-07 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: NV

Complaint narrative:
XXXX failed to provide any transaction history or verification for the disputed accounts, despite my request. They implied that I benefited from fraudulent transactions without presenting any evidence and refused to provide me access to the information they used to make their decision. Either they withheld key documentation or made their determination without reviewing any proper evidence. I am requesting that XXXX verify every detail of every account with adverse information on my report, as they failed to properly investigate and provide the necessary verification. If they can not provide this, I demand the removal of all adverse information from my credit report. Furthermore, I am asking that they provide me the evidence and justification that they used to not to investigate my claims if the accounts remain. There are multiple errors and with the hostile response. I am receiving to try and just straightened it out. I would like for them to verify everything well under scrutiny. I am still seriously ill and do not need to be dealing with this as it exacerbates my condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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:
I need your help with a false account on my credit report that has damaged my reputation. Your errors in handling my credit have caused significant distress, and I urge you to correct these mistakes so I can live peacefully with my family.

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 2024-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I opened up a college chase account around XXXX. I received a {$1500.00} dollar check form XXXX the college that I attend for participating the summer bridge program. 

After that School was about to begin and this was the time a lot of scammers infiltrated our domain and were sending fake job offers. I fell victim to this scam, but nothing happened to me personally as for receiving a fake check for {$420.00} which i deposited this was on XX/XX/XXXX and the next day I decided to the deposit my {$1500.00} check the {$420.00} was returned back as fraud around XX/XX/XXXX or XXXX. My account was locked shortly after.After I found out I called chase and told them about the incident and they said my account would be unlocked as soon as my {$1500.00} dollar check went through and it did around XX/XX/XXXX. My account was functional and the money was in the bank. there wasn't a single problem. After a week chase closes my account and tells me that they need to verify the check with owner. All the numbers they have lead straight to voicemail and every number i try to give them that will work they deny since it's not in their database. I don't what to do and Im very scared I don't have a lot of money and this was gon na help me get through my first year of college. I contanted the finance department and even they were confused stating if the check went through what was the reason for the verification. He also stated there is little to no chance they have any numbers that are associated with the school.

Company response to consumer: Closed with explanation