vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, 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:
This is my second complaint. I am not going away. 

XXXXXXXX XXXX is incorrectly reporting two late payments in XXXX and XXXX of 2021 and an incorrect date of my account 's closure upon entering a XXXX XXXX XXXX. I have filed multiple disputes with evidence to the credit bureaus, but nothing has changed on my report, and these erroneous late payments which appeared more than a year after the months in question had passed are harming my score and were maliciously added to my financial profile. I consider this to be defamatory. XXXXXXXX XXXX  has also declined to grant a " good will '' adjustment. While that is certainly their right, and although they are under no obligation to honor such a request, extending a morsel of mercy is within their power.

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 2023-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: AL

Complaint narrative:
XX/XX/XXXX, XXXX chime closed my account right out of the blue. i was hacked earlier in XXXX and they had to return the funds to my account. In my credit builder account I had {$640.00} and some change in my accoint and now they are refusing to refound the money. they said something about i didn't abide by the user ageement but they will not explain to me what i have done or what that means. i am behind on my rent because of this company. they are refusing to refund and return to me my social security XXXX money that i receive every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: OR

Complaint narrative:
I have a XXXX dollar debt originally from an internet provider. It was sent to Transworld Systems, it has been harming my credit for 6 months now. The phone number for Transworld never is answered. They don't have a website and century link the alleged source of the debt can't tell me if I even owed it. I just want this to stop wrecking my credit I am happy to pay if I owe but need a method to do so. Transworld Systems seems to be a credit score destroying company not a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Reporting agency failed to adequately verify account in collections. Account is tied to an address that I have never resided in nor recognize. The address is also not listed on my credit report nor is the phone number tied to that account deeming it fraudulent. 

Also they have inaccurately tagged my credit profile as having 2 late payments with XXXX XXXX when I in fact do not have late payments on this account

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 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I need help in updating this late payment remarks

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 2023-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XXXX of 2023 I took advantage of a 0 % APR credit offer from a seldom used Bank of America credit card. The offer promised 0 % APR for about 18 months from the date of the draw. I drew {$13000.00} against this offer. A month later, XXXX, an automatic payment was attempted for the entire {$13000.00} to clear the card. The payment bounced and a fee was charged against my account. The following month, XXXX, another automatic payment was attempted which succeeded. I contact BofA to complain about the fees and overpayment. They waived the fee and escalated my case for reversing the payment. The representative took down my banking information and said the case would be resolved soon. A few weeks after I called to check the status. The representative had no knowledge of the case and again took my bank information. A couple weeks after that I called a third time. That representative told me that I would need to call the case department. The following morning I called the case department and the representative said that each time I had called they had created a new case which extended the time to resolution. She also explained that BofA would be PAPER mailing me the confirmation. I had never elected paper communication with BofA. She then told me that the time to resolution would be several months. At that time I decided to close my account. A week later I received a check for the overpayment in my account ( ~ {$28.00} ) and I had also lost access to the account on the mobile app. This week XX/XX/XXXX, I received a call from BofA telling me that I had a past due payment of {$130.00} and that my total outstanding balance was over {$13000.00}. After spending an hour on the phone with 5 representatives, I was told that BofA ( in their infinite wisdom ) had decided to memo {$13000.00} against my closed account and then had issued a paper check for me to deposit and then pay against the new account. I neither authorized the account to be reopened nor had I received any notification that the account was reopened. This could adversely affect my credit and has caused me undue stress and wasted time. In my decade working in the financial services industry I have never seen such incompetence. The lack of coordination between BofA departments and the lack of communication to a customer has been disgusting. I have no faith in BofA and I suspect that this is linked to liquidity issues in the wake of the current banking crisis.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc.
State: DC

Complaint narrative:
I have recently reviewed my credit report with XXXX XXXX, XXXX, XXXX and noticed unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed the role without permission not only that you did not have consent. You guys did not respect my right to privacy which is under 15 USC 681 a number 4. They did not exercise their grave responsibility, they were unfair, they were partial. I am taking the liberty to file a CFPB report and attorney general 's complaint. The credit bureaus were not given or had permissible purpose under 1681 b number 2. I never instructed you guys to furnish this / my report and I never consented to this report in the first place. What I am demanding right now is that you guys deleted all 18 active federal student loan accounts noted at department of education/ nelnet off my report. Please furnish each credit bureau with the cfpb REPORT NUMBER. 

XXXX have reported 18 active federal student loans. The loans from Dept of Education were deleted and then reposted Dept of Education/ Nelnet . I do not have business or contracts with Nelnet. tHIS HAS GRAVELY IMPACTED MY EMOTIONALLY MENTALLY AND FINANCIALLY AND MY SCORE HAS DROPED DENYING FROM FROM ACCESSING CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Remove the late payment remarks as soon as possible!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: 1st Franklin Financial Corporation
State: NY

Complaint narrative:
I have 20 inquires back to back starting XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Credit Acceptance, LLC
State: IA

Complaint narrative:
on or about XX/XX/XXXX, the complainant and my domestic partner purchased a XXXX XXXX XXXX from XXXX XXXXXXXX auto sales in XXXX XXXX Iowa. 

on or about XX/XX/XXXX the XXXX XXXX XXXX was repossessed by American credit acceptance and resold about 3 months later. then on XX/XX/XXXX, ACA charged out the remaining debt through a 1099c absolving us of any debt and making us liable for taxes only to the IRS. 

on or about XX/XX/XXXX, XXXX XXXX XXXX XXXX bought this non-owed debt probably in bulk from ACA, and began their campaign of harassment and intimation. 

on or about XX/XX/XXXX, began reporting negative information on my consumer credit claiming we owe jointly XXXX dollars and have consistently been reporting this negative information for the last 28 months causing both consumer credit reports to drop at least 100 points when no debt is even owed. ( a total of 83 times each on both sets of our consumer credit reports. ) while at the same time consistently mailing collection letters and making collection calls. 
then on XX/XX/XXXX, XXXX XXXX XXXX filed suit against me and my domestic partner in the 5th Circuit district court in XXXX XXXX Iowa. after answering this suit and my Domestic partner promptly filed a motion to dismiss of which a hearing was scheduled about 30 days out. during this 30-day period, i sent a debt validation letter to both the attorneys of record and the company it represented. 

requesting : the original contract between ourselves and ACA ( not attached to suite ) and other things listed in the law suite .

it was during this time I contacted ACA and was informed that the debt was
discharged and a 1099c was filed. a simple phone call.

I promptly filed a motion to dismiss as no debt was owed hearing was granted after XXXXXXXX XXXX XXXX were made aware a continuance was granted then they moved to dismiss but by now both our consumer credit report was in shambles and of this could have been avoided with simple due diligence on their behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Due to currency issue, the fund USD XXXX can not be accepted in XXXX 's bank. 
I have requested to return the money with Wells Fargo Int'l wire transfer department several times, but they keep telling me it is proceed. The request was submit on XX/XX/28 I checked with Wells Fargo Bank in XXXX 's branch. They have already sent several messages to their branch in US but no response at all. Per Wells Fargo Bank in XXXX, they said they must receive a permission from their US branch in order to send the money back to US. Right now XXXX Wells Fargo is still waiting a response from Wells Fargo US branch. 
There is a lack of communication between their banks.

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 2023-05-17 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XXXX we ordered cbd dummies for {$49.00}. They sent us four bottles for {$110.00}. We returned all bottles unopened within 30 day allotment time. We filed complaint with Capital one they removed charges. We sent them proof of return to their link. Then they re-charged us saying we had exceeded 60 day reply. the items were returned on. the XXXX of XXXX We want the charges removed from our account. WE also talked to the vendor and they told us once there was a dispute they closed our account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$6800.00} XXXX XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX {$9800.00} 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 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$6800.00} XXXX XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX {$9800.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

6. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 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 reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

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 non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Re : Letter to Remove Inaccurate Credit Information To Whom It MaXXXX Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XXXX  Please remove it from my credit report. 

6. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 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 reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

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 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected privacy, and confidentiality under the 15 USC 1681. 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, 15 USC 1681 section 602 A states I have the right to privacy. 15 USC section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written consent. 15 USC 1681 C ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following information, or any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681S-2 ( A ) ( 1 ) states 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. I have also been effected by the Equifax information breach and have filed a complaint as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from 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 2023-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: TX

Complaint narrative:
I recently received my credit report and discovered a collection account for LJ Ross for electric service in XXXX, TN. I am a full time resident of Texas and have lived in Texas consistently for 20 years. I have never lived in XXXX nor have I ever had electric service with XXXX XXXX. This account is not mine and may be a result of identity theft.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have requested incorrect information to be verified and proof of the verification process 3 times. I have asked for information to be corrected 3 times by certified mail. The information is still incorrect and still comes back verified. This is my final attempt to correct such inaccuracies before I take legal action.

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