vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-20 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: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
Credit acceptance used my personal information for credit transactions without my authorization, which result in a hard inquiry on my credit report. 
Date of inquiry XX/XX/2021 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 2023-07-20 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: CT

Complaint narrative:
According to 15 U.S. Code 1681d, as a consumer I did not receive any disclosure about a consumer report being furnished on my behalf from XXXX XXXX  or XXXX. I did not give any verbal or written consent for either of them to share my non-public information and furnish a report when according to 15 U.S.C 1681b they are allowed to furnish a report in accordance with the written instructions of the consumer to whom it relates. I did not even receive disclosure to opt out of a credit check when applying for discover years ago, this is identity theft and and by law these are completely inaccurate and unfair and goes against what the Fair Credit Reporting Act is. Please get them to remove everything as this is indenting theft

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 2023-07-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 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: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 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: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2023-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2022 I wrote a personal check for {$12000.00} on my Chase bank account to " XXXX XXXX XXXX XXXX XXXX '' for accounting services. I mailed the check at a USPS branch. 

The check was stolen from the mail and did not reach XXXX XXXX XXXX XXXX XXXX. 
I checked my bank statement and it showed that the check was altered with XXXX XXXX XXXX XXXX XXXX being erased and a XXXX XXXX written in. 
The alteration is plainly visible as the writing does not match the rest of the check. 

The check was fraudulently cashed at a XXXX XXXX XXXX branch subsequently. 
I made a claim with Chase bank to recover the funds and they in turn put a claim in to XXXX  XXXX XXXX. I have made countless inquiries to Chase Bank with no luck. Chase bank says that XXXX  XXXX XXXX will not respond to this claim. Now it seems that Chase has given up on this claim. 

XXXX  XXXX XXXX should have made an enquiry on the authenticity of this forged check and contacted Chase or myself to determine it authenticity. They were negligent in not doing so and need to reimburse me for the lost funds. 

I filed a police report ( enclosed ) XXXX XXXX XXXX XXXX XXXX have verified in a letter that they did not receive the funds. ( enclosed ) Letters from Chase bank ( enclosed ) I looks like chase bank have given up on me. 

I tried contacting XXXX  XXXX XXXX but without a file number I can get nowhere. Chase Bank will not give me a contact or a claim number at XXXX  XXXX XXXX so I can follow up on this claim. 

Please help XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I have already submitted a complaint about them cashing a check that they said was fraudulent and then closing my account after the fact and tryjng to tell me I am responsible for paying for it. Even though the check was never able to be cashed after the fact because it had already been processed.

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 2023-07-20 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I realize I had damages on my report as I was trying to get a new car and a new house. According to the U.S.C. 1681 Law there should not be any damages on my report, it a defamation to my character. I tried to dispute all inaccurate information and fraudulent information, nothing has changed and its holding me back from doing the things I need to get done. I even tried to contact the all credit bureaus, that also didnt change anything. I have been sending disputes since XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Why do I keep losing point on my credit score when there have been no negative changes? The only change has been DECREASING DEBT which should raise my score. Ive lost almost XXXX  points ( and another XXXX  points today!!! ) WITH ZERO CHANGES. 

Equifax isnt even updating my credit score with my positive payment history and decreased debt like the other bureaus, but continue to decrease my score? 

Please make this make sense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 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: AppFolio, Inc.
State: PA

Complaint narrative:
Hello, I have been disputing this from my credit reports for years!! The furniture account was opened fraudulently. I have shared my FTC. report with this company numerous of times, stating that my identity was stolen and they will not delete it off my credit report. I also asked them for a wet signature with my name and all the could show me was a computer generated signature! This is hindering me from getting safe and stable housing. I have been disputing this for years, it has cost me jobs and find a home due to this matter. I have sent supporting documents to show that the account was open fraudulently. Im also in the process of taking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Have already filed a complaint when this happened and would like to be compensated in current lawsuit against them.

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 2023-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Over charging for overdraft fees

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 2023-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Turning Point Solutions LLC
State: AL

Complaint narrative:
I get multiple calls at least XXXX a day from this company and number. Sometimes they go as far as to using a fake number. Theyve even reached out to my family in regards to everything and I never have put anything down with my family which is invasion of privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I've received numerous credit advisory e-mails with misleading information I have received multiple emails telling me of my outstanding approval odds for various types of credit accounts, and have taken their advice to my detriment by being denied credit and taking hard inquiries to my credit report- further lowering my credit score resulting in not being able to acquire new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I am writing today to raise an issue with Navient. During the covid pauses Navient did not stop charging. The allowance of this is shameful ; however, this created another very concerning problem for those of us whose federal loans are held by multiple services providers. Namely, Navient now thinks it should be able to force IBR recertification on dates not congruent with all the other federal loans, meaning that borrowers like me now have two separate IBR recertification dates. The Navient one is not noticed or visible through the federal system, despite the loans they are servicing being federal.

This is a logistics nightmare and will cause borrowers to miss deadlines and be uninformed as to the correct recertification deadlines. Missing one of these deadlines has critical consequences and thus this treatment of borrowers should not be allowed. Navient should instead realign their due dates for recertification with the federal due dates for all federal loan holders.

Who can assist me in resolving this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: Complete Credit Solutions, Inc.
State: PA

Complaint narrative:
Hello, I have been disputing this from my credit reports for years!! The XXXX  account was opened fraudulently. I have shared my FTC. report with this company numerous of times, stating that my identity was stolen and they will not delete it off my credit report. I also asked them for a wet signature with my name and all the could show me was a computer generated signature! This is hindering me from getting safe and stable housing. I have been disputing this for years, it has cost me jobs and find a home due to this matter. I have sent supporting documents to show that the account was open fraudulently. Im also in the process of taking 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
Consumer complaint received 2023-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$15000.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I paid off this account but its still showing that I owe a balance. 
DPT EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
DPT EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
DPT EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
DPT EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
DPT EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter.

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 2023-07-20 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in 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 explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX. Someone called me from Bank of America saying someone was trying to use my XXXX account to take money from my checking .before I gave information they needed I quickly realized they were scammers. At the same time another call came saying this was BOFA. I hung up called the Bank and they realize some was trying to take out money with XXXX, so they had to freeze my acct. i specifically told them my rent is in that account to be paid on the XX/XX/XXXX, they said that will go through its on going transaction. They opened a new account for me. But the money was still in frozen acct, {$3500.00}. My rent for & XXXX was paid electronically at XXXX on XX/XX/XXXX. On XX/XX/XXXX I received notice from rental agent, my check was retired and I will have to pay {$1700.00} by XX/XX/XXXX. I called the boa and they said they froze the account and returned the check because of the fraudulent activity on the Acct. the fraud dept sent me back to rental mgm. Who said The check return fee of {$75.00} must be paid but the late fee of {$170.00} will be waived if the will give me a letter stating that yes the funds was in the acct at that time but was frozen. The bank refuse to give me something stating the money was there. Now the fee is doubled to {$340.00} and I am facing eviction. Because the bank sent me letter saying they had to protect my account and even refuse to return the {$75.00}.

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 2023-07-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I had a citi accelerate high interest savings account with {$1000.00} in it and I added {$5000.00} deposit from my XXXX XXXX checking account to my citi savings. Citi blocked my account and said they are closing my account and that they would investigate and then send a check XXXX days later. I have no idea why my account was closed and its unacceptable to me that they would keep my money for that time frame. I want my money back {$6000.00} now. Please help! Thank you!

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 2023-07-20 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: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Yesterday I contacted Experian to temporarily unfreeze my credit report. I then tried to contact them today to freeze it again. What I experienced was shocking. Both their phone system and web site are grossly mismanaged and often don't function. This must be hurting millions of people in the country. The automatic phone system simply does not function. And you can not get through to a live person. I couldn't use the web site because I was not able to set up a membership because of an " error. '' After a couple hours I was finally able to resolve this, but your agency should not be allowing Experian to operate in this way. 

It's not like consumers have a choice with these credit agencies. They collect information without anyone 's permission.

I know that your agency has many complaints against it because you often ignore consumer complaints, but I would recommend not ignoring this one. I have also provided this information to Congress, including the appropriate committee, so you would need to explain to them why you ignored it. In fact, they are the ones I contacted first, and they sent me to you.

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