vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I called B of A on XX/XX/XXXX to request a refund of a {$95.00} annual fee charged to my credit card on or about XX/XX/XXXX. 
I told the B of A employee that I didn't think I had ever paid an annual fee before. 
She looked at my account info and said she would refund the {$95.00} fee. 
I asked if there was another B of A card with no annual fee that I could switch to - she said yes and explained my options and I chose XXXX. 
Then she said sorry, but I was not eligible to switch to a different card, and the ONLY way to get a {$95.00} refund was to close the account, which I did not want to do, but she said that she could not process my refund until the account was closed. I did not believe this was true, but I felt I had no choice. After she closed the account, I was out on hold for more than XXXX mins. Then she came back and said I would not get the refund she promised she could provide.

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 2024-11-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: ME

Complaint narrative:
Conserve sent me a letter claiming XXXX XXXX XXXX  filed with them over an alleged debt. The issue is I've been paying my debt through advantage, and paying above what my payment schedule requires. I returned the letter explaining this and never got a response so I assumed it was all settled. Now my credit has taken a hit despite my immaculate payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Last XX/XX/XXXX and XXXX, I have made a wire transfer to people I do not know as part of a supposed cryptocurrency investment I discovered online. I transferred using XXXX XXXX  XXXX XXXX checking account for {$2000.00} and {$5000.00} respectively to XXXX different Wells Fargo XXXX XXXX XXXX : Account Name : XXXX XXXX Bank Name : Wells Fargo Account Number : XXXX Routing Number : XXXX Account Type : XXXX XXXX  XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX Account Name : XXXX XXXX XXXX Bank Name : Wells Fargo Account Number : XXXX Routing Number : XXXX Account Type : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX Realizing I may have been scammed as the promised return was $ XXXX for initial investment of $ XXXX plus $ XXXX transaction fee plus $ XXXX XXXX  to cash conversion fee, I called Bank XXXX XXXX XXXX XXXX  to recall my $ XXXX wire transfer. After XXXX business days still no response from Wells Fargo. i did further check on the address of the said business checking accounts and it points to a vacant lot which is quite surprising as I thought there is much tighter bank scrutiny for business checking accounts. The fact that Wells Fargo is not cooperating with the investigation means they are not putting prime importance on bank fraud and scams and they are being instruments for these malicious individuals to prey on unsuspecting victims. I hope to be able to recover the full amounts I have wire transferred ( $ XXXX ) as the others were via XXXX with no protection whatsoever from these types of scams

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 2024-11-27 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: VA

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: MO

Complaint narrative:
I am writing to formally request the blocking and deletion of the following fraudulent accounts from my credit file. As a victim of a data breach, these accounts were added without my authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items removed immediately. 
Accounts to Be Blocked and Deleted : XXXX. XXXX  - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$20000.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$9500.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX XXXX  - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: MO

Complaint narrative:
I am writing to formally request the blocking and deletion of the following fraudulent accounts from my credit file. As a victim of a data breach, these accounts were added without my authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items removed immediately. 
Accounts to Be Blocked and Deleted : XXXX. XXXX  - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$20000.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$9500.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX XXXX  - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1600.00}

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 2024-11-27 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: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U. S. C. & 1681c-2 ) that you, the XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate, unverifiable, and false information consist of an insurance account, mobile phone account, and an apartment rental. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached an idenity theft report which list the fraudulent accounts and hard inquires in question. I do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal complaint XXXX as proof from the US Federal Trade Commission that all the aforesaid consumer credit accounts collections, and hard inquires are the result of identity theft and fraud.

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 2024-11-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this formal complaint against Experian for its failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding the reporting of inaccurate information in my credit history. Specifically, this pertains to the XXXX  XXXX XXXX account with the partial number XXXX. This account contains substantial errors that have negatively impacted my credit profile. 

Specific Issues with the Account 1. Incorrect Status : The account is reported as " Collection/Chargeoff '' by Experian, while other credit bureaus provide different statuses for the same account, highlighting a lack of data consistency.

2. Inaccurate Payment History : Delinquencies, such as 30- and 60-day late payments, along with a " Chargeoff '' status, are recorded for XXXX and XX/XX/year>. These dates do not match the information provided by other credit reporting agencies. 

XXXX. Date Inconsistencies : The date of last payment and the date of last activity on the account are inconsistent with records maintained by other credit bureaus.

FCRA Violations 1. Section 607 ( b ) : Accuracy of Information Experian is required to ensure the accuracy of all data reported. The discrepancies in account status, payment history, and dates violate this requirement.

2. Section 611 ( a ) : Reasonable Investigation of Disputes Despite prior disputes filed regarding this account, Experian has failed to conduct a reasonable investigation and correct the inaccuracies, as mandated by this section.

3. Section 605 ( a ) : Reporting of Obsolete or Inaccurate Information Experian continues to report information that is inaccurate and outdated, which is prohibited by this section.

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 2024-11-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this formal complaint against Experian for its failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding the reporting of inaccurate information in my credit history. Specifically, this pertains to the XXXX  XXXX XXXX account with the partial number XXXX. This account contains substantial errors that have negatively impacted my credit profile.

Specific Issues with the Account 1. Incorrect Status : The account is reported as " Collection/Chargeoff '' by Experian, while other credit bureaus provide different statuses for the same account, highlighting a lack of data consistency. 

2. Inaccurate Payment History : Delinquencies, such as 30- and 60-day late payments, along with a " Chargeoff '' status, are recorded for XXXX and XX/XX/year>. These dates do not match the information provided by other credit reporting agencies. 

3. Date Inconsistencies : The date of last payment and the date of last activity on the account are inconsistent with records maintained by other credit bureaus.

FCRA Violations 1. Section 607 ( b ) : Accuracy of Information Experian is required to ensure the accuracy of all data reported. The discrepancies in account status, payment history, and dates violate this requirement.

2. Section 611 ( a ) : Reasonable Investigation of Disputes Despite prior disputes filed regarding this account, Experian has failed to conduct a reasonable investigation and correct the inaccuracies, as mandated by this section.

3. Section 605 ( a ) : Reporting of Obsolete or Inaccurate Information Experian continues to report information that is inaccurate and outdated, which is prohibited by this section.

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 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
This account is being reported on my consumer report. I have no knowledge about this alleged debt or this collection company. I was never notified about my right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 non-monetary relief
Consumer complaint received 2024-11-27 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: OH

Complaint narrative:
I AM WRITING THIS FTC AFFIDAVIT IN REGARD TO THE FOLLOWING FRAUDULENT ACCOUNTS THAT HAVE BEEN DEEMED AND ASSOCIATED WITH IDENTITY THEFT. ACCOUNT NAME : 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 XXXXXXXX XXXX IN ACCORDANCE WITH THE FCRA SECTION 605B THESE FRAUDULENT ACCOUNTS ARE CURRENTLY REPORTING ON MY FICO CREDIT CONSUMER REPORTS WHICH IS IN FACT ASSOCIATED WITH IDENTITY THEFT. I AM MANDATING AND DEMANDING THE FRAUDULENT ACCOUNTS SHALL BE REMOVED AND TO BE PERMANENTLY BLOCKED FROM MY CONSUMER REPORTS WITHIN 4 BUSINESS DAYS IN ACCORDANCE WITH THE FCRA AND FDCPA.

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 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Applied for capital one savor credit card with 15 months XXXX apr and XXXX $ credit bonus. Got approved but without those benefits advertised by them, ended up paying more for interest charges and it increase my XXXX XXXX and going to the XXXX XXXX for the way they handled it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: MD

Complaint narrative:
The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Collection 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: CA

Complaint narrative:
I recently checked my credit report and noticed an inquiry from your company that I dont recognize or remember authorizing. This is really concerning, as its affecting my credit score and causing me a lot of stress.

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 2024-11-27 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: IL

Complaint narrative:
The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Charge Off 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 2024-11-27 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: MS

Complaint narrative:
Under the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX} ATTORNEY GENERAL - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ORIG FILING DATE XX/XX/XXXX I looked at my EQUIFAX credit report on XX/XX/XXXX, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to 15 USC 1681 ( e ) ( b ).

And according to15 USC 1681 1i5 they are supposed to do this ( 5 ) Treatment of inaccurate of unverifiable information ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2, they are supposed not to 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 non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Unauthorized accounts have appeared on my credit report. Please ensure these are blocked and promptly removed.

Company response to consumer: Closed with non-monetary relief