vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In general, I believe that the credit reporting agencies have too much control of our lives. Also, that they conspire together to control the algorithms that make the fico scores and its all too confusing for the average person to understand. I am a XXXX XXXX and I understand Its all a scam to charge poor people insanely usurious interest rates. They make it impossible for a person to move from a poor to good credit because when you are rated poor the financial products are terrible and you cant get ahead. 

Experian is constantly pressuring me about membership that costs XXXX per month. I joined once and had a real nothing BOOST It took two months to drop the XXXX  service and when I did my score dropped from XXXX to XXXX and then XXXX. 

You know its all a scam. Experian Boost and XXXX XXXX prey on the poorest to take on credit cards with XXXX limits and XXXX membership fees.You probably cant do anything about this but you should. 

The whole credit reporting system should be rebuilt

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 2023-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX or about XX/XX/2023 I made a deposit for {$4300.00} a cashiers check cashiers check number XXXX. The funds have been held up for over 10 days this is a cashiers check theres no reason to hold that money on a cashiers check awesome in the deposit on XX/XX/XXXX in the amount of {$6300.00} is a personal check and the funds cleared I have over {$20000.00} at Bank of America is holding up my money and XXXX is an extended hold and based on government regulations and the global conditions that they have to put holes on everybodys checks Ive never bounced any checks Ive never Made fraudulent activity on the account. My funds need to be made available. It is a small business account and that you always say small businesses, backbone of XXXX well why isnt there any help for small businesses? These banks are taking the money home for 10 days Im not getting the interest off that money theres no benefit for me all the benefits in their hands theyre got it over {$20000.00} off of my account. Multiply that by millions of accounts and they hold on to the money and not release the money so small businesses can operate, working capital something must be done. This is fraudulent almost criminal to steal someones money and then politely return it after 10 days of use without any interest.

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 2023-08-12 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: SC

Complaint narrative:
On XX/XX/2023 Experian, XXXX, and XXXX were all sent Factual dispute letters. Since that time no correction has been made.

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 2023-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am requesting that you verify this debt and provide me with documentation that proves that I owe it. I am also requesting that you remove this debt from my credit report if you are unable to verify it. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA gives me the right to dispute inaccurate or incomplete information on my credit report. If you are unable to verify this debt, you are required to remove it from my credit report. 

I would appreciate it if you could investigate this matter and take the appropriate action. I look forward to hearing from you soon.

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 2023-08-12 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: IL

Complaint narrative:
Experian, XXXX, and XXXX continue to report inaccurate information on the account known has XXXX  XXXX XXXX. The account is charged off which means it is now a cancelled debt which per the IRS is considered a certificate if indebtedness which income can not be reported. 

The reporting agencies are reporting several inaccuracies. 

Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$520.00} {$0.00} {$350.00} Credit Limit : {$350.00} {$350.00} {$0.00} Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Sold to : XXXX XXXX XXXX Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Experian and XXXX are reporting late payments from XXXX XXXX XX/XX/XXXX and Experian reports a late payment for XX/XX/XXXX. 

Experian is reporting a collection for XX/XX/XXXX XXXX is not reporting late payments are collection. 

None of this account information matches therefore this account has not been properly reported or verified.

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 2023-08-12 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: MD

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.

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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 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 2023-08-12 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: MD

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.

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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 2023-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am requesting that you verify this debt and provide me with documentation that proves that I owe it. I am also requesting that you remove this debt from my credit report if you are unable to verify it. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA gives me the right to dispute inaccurate or incomplete information on my credit report. If you are unable to verify this debt, you are required to remove it from my credit report. 

I would appreciate it if you could investigate this matter and take the appropriate action. I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX has reported an account with a {$0.00} balance to the credit reporting agency as 30 days past due. They have charged a monthly fee and added a late fee and NEVER sent me a bill electronically or via US mail and now have damaged my credit report. On numerous occasions in the past I have attempted to close this card due to them not allowing me to pay the annual fee up front and for them doing this sort of thing in the past. They then waived the annual fee and now they are charging it again and adding a fine and not sending me any billing information. This is fraud at the highest level and damaging to my credit report for an annual fee that I am not allowed to pay upfront.

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 2023-08-13 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX has reported an account with a {$0.00} balance to the credit reporting agency as 30 days past due. They have charged a monthly fee and added a late fee and NEVER sent me a bill electronically or via US mail and now have damaged my credit report. On numerous occasions in the past I have attempted to close this card due to them not allowing me to pay the annual fee up front and for them doing this sort of thing in the past. They then waived the annual fee and now they are charging it again and adding a fine and not sending me any billing information. This is fraud at the highest level and damaging to my credit report for an annual fee that I am not allowed to pay upfront.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 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: AZ

Complaint narrative:
XXXX XXXX XXXX has reported an account with a {$0.00} balance to the credit reporting agency as 30 days past due. They have charged a monthly fee and added a late fee and NEVER sent me a bill electronically or via US mail and now have damaged my credit report. On numerous occasions in the past I have attempted to close this card due to them not allowing me to pay the annual fee up front and for them doing this sort of thing in the past. They then waived the annual fee and now they are charging it again and adding a fine and not sending me any billing information. This is fraud at the highest level and damaging to my credit report for an annual fee that I am not allowed to pay upfront.

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 2023-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NM

Complaint narrative:
I opened my account with US bank- I then funded the account with my XXXX  account. On XX/XX/XXXX I went to US bank to withdraw some of the money for a bill that needed to be paid. I was told the account was frozen and to call a number. When I called the number they said the bank should be able to handle it. I have had the runaround from customer service , fraud department and the hold department. Also no letter was ever sent to me regarding this matter. I keep getting the same thing not sure and a letter will come with the cashiers check. I then went back to the bank to resolve this with the bank manager which he forwarded to the district manager but to no resolve nothing has been done it is coming up to 90 days this is just wrong and still has not

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 2023-08-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. I XXXX XXXX has verified the accounts below has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX, XXXX. Account Number : XXXX Account name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account name : XXXX Account Number : XXXX 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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.

I would like to also add that these inaccuracies and incorrect information is preventing me from accessing credit and a mortgage for me and 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 2023-08-13 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: FL

Complaint narrative:
XXXX am not liable for this debt with XXXX XXXX, XXXX XXXX XXXX and XXXX and they did not provide me with the original contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
On XX/XX/ a complaint was filed with the Comptroller of the Currency. I was directed to file a Complaint with the CFPB. This Complaint deals with fees that were posted to my Citibank account. The complaint states that Citibank was aware that Scammers had Deposited a Mobile Check to my account. Citibank Closed the account. They opened a new account after review by their fraud department. That later charged my account- {$800.00} for the fraudulent XXXX ( fees ). I told the Comptroller of the Currency I should not be held liable for these fees. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Approximately one month ago, I established a checking and savings account through PNC. I did this after moving from North Carolina, where I currently have a XXXX XXXX XXXX XXXX account. I successfully transferred money from this account ( {$2000.00} ) and from another account ( {$1000.00} ), but when I tried to transfer another amount of {$2000.00} to my PNC account, it was rejected. NC XXXX was not notified that this amount was rejected, and sent the money anyway. For two weeks, {$2000.00} was missing from my accounts. After calling both banks, NC XXXX was finally able to help me by talking through the dispute process, and they were able to locate the {$2000.00}. 

During this time, I was unable to make my requirement of depositing {$2000.00} in my checking account through PNC, and a fee was taken. When I went to attempt the deposit again, I discovered my online banking access was revoked for PNC. After calling several times and visiting multiple branches, I have continually been told that I will be called back in 1-3 business days by higher-ups. PNC has NEVER called me back, and I have always had to call them to ask about my issue, having to re-explain this problem to several officials. I now do not have access to {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: FL

Complaint narrative:
1 am not liable for this debt with XXXX XXXX and XXXX XXXX I do not have a contract with these companies not did they provide me with the original contract as requested

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 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: GA

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.

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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 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 2023-08-13 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: GA

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.

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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 2023-08-12 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: Early Warning Services, LLC
State: AL

Complaint narrative:
Every time I try to open an bank account they stop it. It's becoming a problem and I don't like it at all

Company response to consumer: Closed with explanation