vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc.
State: NY

Complaint narrative:
Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Comenity bank thinks its ok to charge a XXXX fee to mail a bill, I do not check email often and I should not be required to do so in order to pay my bill that was not set forth in the original agreement with the credit card companies and I refuse to allow them to charge me I have multiple accounts with them. I want my paper statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I requested a wire transfer for {$7800.00} from my savings account at XXXX to Bank of America XXXX XXXX, XXXX XXXX, NY. For some reason the wire transfer was rejected by BoA and reason was an error on the receiving account number. But instead of returning back the full amount, they deducted {$45.00} and send back {$7800.00}. I thought its not right to charge {$45.00} on a rejected transfer, it is an exagration. I would like BoA to refund my money.

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 2024-06-24 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: CA

Complaint narrative:
Upon checking my credit report I have discovered that I have a fradulent account that is being reporting on my credit report, the account in question isXX/XX/XXXXXXXX with the account number XXXX, and I have also witnessed fraudulent hard inquiries on my credit report, these fraudulent hard inquires are XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/year> my car was broken into and my wallet was stolen which had my credit cards, debit card, cash, driver license, and social security card. The person was able to use my credit cards. I called my bank and credit company to dispute the transactions and ordered new cards. Only XXXX XXXX did not dispute the transactions and sent the dept to collection company Midland Credit Management in the amount of {$3000.00} XXXX case number XXXX and {$2600.00} XXXX case number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX : XXXX has violated my rights. 


15 U.S.C. 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am a federally protected consumer and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumers files. 
Please investigate the completeness on bellow listed accounts within my consumer report that you maintain under my name and update my report with your findings within XXXX days of your receipt of this dispute notice as per FCRA guidelines. 

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within XXXX days and forward me the results. If this account can not be verified, DELETE from my consumer report. 

ACCOUNTS : XXXX XXXX XXXX Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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 information that the information has been modified or deleted from the file of the consumer.

I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home.

Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise.

Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now.

I have attached the erroneous account ( s ) in question. This account ( s ) needs to be DELETED due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice then it must be corrected. Failure to do so could constitute willful non-compliance by your agency.

Please DELETE this erroneous, inaccurate information on my consumer report within 30 days of your receipt of this letter if this information can not be made complete.

Thank you for your rapid response in this very important matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: NV

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I was in Illinois caring for my elder parents for about XXXX months. Prior to going my account had a XXXX balance. Then around 30 fraud charges posted to my account within a 60 day period. When I found out about the charges I called Goldman Sachs Bank USA and advised them of the fraud charges. They reviewed all the charges and all of them were accepted as fraud charges except for 3 charges. 

I called Goldman Sachs Bank USA back once they applied the charges on my account and they said the only reason why they did that was valid because I previously shopped at XXXX XXXX. XXXX of the 3 XXXX XXXX charges is around 25 miles from my home. Goldman Sachs Bank USA said that I needed to send them proof that I was in Illinois. I told them several times they already had the proof as I made a purchase in Illinois when I was out there for 3 to 4 months. They never looked at that statement to confirm this. 

I called Goldman Sachs Bank USA several times to dispute the charges and on each time time they advised me that I would not be held responsible for the 3 charges and then they would reapply them back to my account for the same reason that I previously shopped at XXXX XXXX Again, they never looked at the statement prior to the fraud as it shows the charge from Illinois. 

Then on or about XX/XX/year>, I called Goldman Sachs Bank USA again to dispute the 3 charges, and they advised me that they would do so. Goldman Sachs Bank USA never addressed my redispute as they just kept billing me invalid interest charges. 

Then on XX/XX/year> at XXXX XXXX Goldman Sachs Bank USA illegally called me too early on a Monday Per FDCPA- The law limits how and when a debt collector can contact you about covered debts. There are also ways to stop a debt collector from contacting you ( see : How do I stop a debt collector from contacting me? ) Debt collectors cant contact you before XXXX XXXX. or after XXXX XXXX, unless you agree to it Link https : //consumer.ftc.gov/articles/debt-collection-faqs # collection Again, on or about XX/XX/year>, I called Goldman Sachs Bank USA to redisput the 3 rebilled charges and they confirmed on the phone that they would do that and I would not have to make any payment while they were reviewing it. I never received a letter confirming the acknowledgement of the dispute and they never put the 3 charges back into dispute. This is a direct violation of the Fair Credit Billing Act ( FCBA ). Listed below is the law- The card issuer must send you a letter stating that it has received your billing dispute within 30 days of receiving it and complete its investigation within two complete billing cycles which generally means it can not take longer than 90 days. 

Link https : //www.consumerfinance.gov/ask-cfpb/how-long-can-the-card-issuer-take-to-resolve-my-billing-error-or-dispute-en-64/

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-24 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: Velocity Portfolio Group
State: FL

Complaint narrative:
In XX/XX/year> I noticed an unknown creditor on my credit report. I contacted the creditor that notified me that they were a collections agency. They asked me what was the name of the original creditor on the credit report. I stated that the original creditor has the name of the collection agency listed and I have never heard of them and if they could send me some kind of verification so that I can validate the account. After giving my name date of birth, account balance listed on the credit report, and other verifying information they refused to provide me any information on the account and told me that since it was on my credit report it was my responsibility to verify if the information is correct and if the creditor refuses to provide the information that it was my problem to deal with and then the agent hung up the phone. I called again and received the same treatment just because the original creditor is not listed on the credit report and the credit reporting agency has the collections company listed as the original creditor. I have never heard of this creditor, I have never had an account with this creditor, and although the creditor is reporting information on my credit report they refuse to give me any information on the account, and I believe the account is fraudulent.

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 2024-06-24 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: IL

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When I went to review my credit profile there was some inquiries that were not mine.

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 2024-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-06-24 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Previously I had communicated that the company JPMCB was inaccurately reporting an incorrect late payment to my consumer credit profile for the account ending in XXXX. Previously the financial institution claimed that I was did not make the payment on a timely manner however, I as I have already established I have never made a payment late over 30 days. A billing error has occurred on JPMCB end as previously discussed with the other agents for several months. I have a statement showing that there were sufficient balance in payment account to cover the payment of {$3800.00} that I made on the Date of XX/XX/year>. Also as TILA states when there is a billing error dispute on an account no adverse information is to be reported onto a consumers credit file. I have been disputing this billing error for months and have had no favorable change. 

Even though it does no harm to this company to positively fix the error that occurred, JPMCB adverse account reporting has severely damaged my general reputation as well as prevented my ability to move forward in life and create better circumstances for myself and my family. I am currently unable to acquire a new mode of transportation because of the erroneous and adverse consumer credit reporting error that has been made by JPMCB. I have attached the bank statement reflecting sufficient funds and balances in my account to cover the payment that was processed as well as the payment receipt for the payment transacted on the date of XX/XX/year>. This issue was due to a system issue on JPMCB side not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I am reporting a fraudulent inquiries found in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
They are saying I gave someone XXXX miles away permission to use my card when I was obviously in florida with all my stuff working and using said payment method in south carolina. Claim number XXXX. I want to start a class action suit against wells fargo.

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 2024-06-24 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: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-06-24 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: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I used XXXX to pay for some yoga classes, not aware that there are cash advance fees charged by Chase Bank credit cards. I can see in the XXXX app now that cash advance fees will be charged but this was not clearly spelled out when I added my XXXX XXXX credit card to the app XXXXwo weeks ago. The cash advance fee is {$10.00} per transaction so I was charged {$10.00} for each time I used XXXX to pay for a {$15.00} yoga class. I was not aware of the fees until I got my credit card statement. I was able to get XXXX fee credited but not the other from last week or the one I will be charged for todays class. A cash advance fee that is a percentage of the charge would be acceptable but a flat {$10.00} fee for all charges no matter how small is unacceptable. At a minimum, Chase should alert you to these fees when you use a payment app that links to one of their credit cards. They should also implement a much more reasonable cash advance fee. 

Account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Central Inc (MS)
State: FL

Complaint narrative:
On XX/XX/year> someone was fraudulent using my information and running my credit without me knowing I didn't approve for anyone to run my credit my information did get stolen with all my identity in it so I don't know was someone running my credit trying to get items in my name I did contact the people and let them know that it wasn't me now all these inquiries are impacting me to purchase a home and brought my credit score way down someone been using my identity without my permission and once I get to the bottom of this I would like to presue charges because this is wrong and I do wan na file charges on the person as well I surly hope that you guys help me along the way

Company response to consumer: Untimely response