vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC

Complaint narrative:
This bank has charged an excessive of fees and is rearranging the order of charges to charge more fees. I made a despoit that is being held 3 days just in time for another {$12.00} fee to be charged and enough time that if I leave the account overdrawn I will continue to be charged {$12.00} despite initially depositing to cover the either overage. this is now the second time the bank has done this. Additonally if you make any other request through email or chat you are told to call the phone number who then told you the branch decides everything. You get notification days after the initial issue despite having alerts for it. the alerts can ONLY be viewed when you log on via a computer can nor be accessed through the app at all. was charged an overdraft before a transaction even posted and then charged another after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: NJ

Complaint narrative:
I am been working for almost 2 years with Equifax to ensure no personal information and account information is incorrect, and not a mixed report with another person. 

I have additional issues with the accuracy of the Equifax report, including have an alternate social security number included that is incorrect. Further, Equifax removed some of my correct accounts from the report. 

I have attempted to remedy this multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
For the last 3 months XXXX, XXXX XXXX, and XXXX and creditors have been having abusive reporting reporting on accounts more than one time a month. My credit profile is being abused because of my XXXX name. I have white colleagues and counterparts who has shared their credit profiles with me with very similar credit backgrounds or worse and their creit scores are reflecting higher with minimal credit history established. I am reporting because I believe my race based upon my XXXX name is influencing my credit fluctuations and the reason why Im receiving credit abuse

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: TX

Complaint narrative:
on XX/XX/2022, I was out of town in XXXX Texas and I open my bank account and noticed that over {$1500.00} from my account was stolen. I filed a complaint and dispute with Bank of America fraud department and they did not offer to refund me even a partial amount of that money. I am a college student who works full-time still trying to make up for that money that I had lost. I was out of town with my bank account and the negatives with no access to any type of funds available stranded out of town for three days. Bank of America refuse to refund me despite this having nothing to do with me or at my fault. Someone had hacked into my debit card and stole 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 2022-10-02 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I wrote letters to Equifax, XXXX, and XXXX on XX/XX/22 and XX/XX/22 requesting proof in the form of a statement or detailed payment history proving these accounts were paid late. Per the FCRA all reported accounts must be accurate and verifiable. When requested, verification must be provided within 30 days of receiving the letter. Right now, the bureaus are in violation of the FCRA and are subject to legal action. The attached accounts are the accounts in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor XXXX 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 USCS 1666b ( a ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Creditor did not provide options to opt-out of reporting. 

Obvious violations

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 2022-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I submitted a letter of dispute to TransUnion credit bureau regarding a BANKRUPTCY reporting on my credit report and TransUnion responded with a letter refusing to process my request because they claim that ( MY DISPUTE LETTER APPEARS THAT I DID NOT SEND IT ) See attached letter marked EXHIBIT ''A '' with a copy of the letter from TransUnion marked EXHIBIT ''B ''. Clearly the letter to TransUnion came directly from me, as proof it was from me, I had the letter notarized by a State of North Carolina notary public, presented my driver 's license as proof of my identity, notaries are officers of the state who in my opinion are beyond reproach. There should not be any question as to whether or not this document was provided by me. I sent the request to TransUnion via certified mail, see copy of postal signature card marked EXHIBIT ''C '' received by representative of TransUnion on XX/XX/2022. 

TransUnions frivolous excuse for rejecting my dispute letter is clearly a violation of the Fair Credit Reporting Act. My TransUnion file number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02 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: GA

Complaint narrative:
There are 2 inquiries from XXXX XXXX. They were within 30 days of each other. XXXX tells me that they did not order the second one. Again, they tell me that they did not order the second inquiry. Additionally, if they did run it... .without my permission, it was within the 30 day statute where it should not be recorded. Equifax keeps sending me disputes that says they are a matter of public record and that its too bad. Teach these XXXX  that they are in violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: KS

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor XXXX 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 USCS 1666b ( a ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Creditor did not provide options to opt-out of reporting.

Obvious violations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: KS

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor XXXX 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 USCS 1666b ( a ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Creditor did not provide options to opt-out of reporting.

Obvious violations

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 2022-10-02 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Someone is using my information to try to open up fraudulent accounts without my knowledge or permission. Please see below : 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 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02 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: TX

Complaint narrative:
I sent a certified letter to XXXX and Experian XXXX of XXXX about 3 accounts on their reports to validate and to update my personal information Back in XX/XX/2022 in which the 3 accounts were showing as being charged off back in XXXX. Shorty after reviewing my credit report after. The 3 accounts are now showing back up on my credit as open and active. Im very disappointed about the inconsistency of the reports that are now showing up on my credit reports. The account and account numbers are listed below. 

XXXXXXXX XXXX  XXXX Account # XXXX charge off date XX/XX/2022 XXXX XXXX  Accout # XXXX charge off date XX/XX/XXXX XXXX XXXXXXXX XXXX account # XXXX Charge off date XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I wrote letters to Equifax, XXXX, and XXXX on XX/XX/22 and XX/XX/22 requesting for late payments to be removed that were recorded during the COVID-19 Pandemic. Per the Heroes Act passed by Congress, late payments were not allowed to be reported during the pandemic plus an additional 120 days. Request to have the late payments have been removed and is a violation of the Heroes Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list or 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 XXXX 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 with out 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 2022-10-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list or 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 XXXX 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 with out 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 2022-10-02 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer agency can not furnish an account without my written instructions. In 15USCS 1666b a creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: SC

Complaint narrative:
I wrote letters to XXXX, TransUnion, and XXXX on XX/XX/22 and XX/XX/22 requesting proof in the form of a statement or detailed payment history proving these accounts were paid late. Per the FCRA all reported accounts must be accurate and verifiable. When requested, verification must be provided within 30 days of receiving the letter. Right now, the bureaus are in violation of the FCRA and are subject to legal action. The attached accounts are the accounts in question.

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 2022-10-02 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:
I wrote letters to XXXX, XXXX, and Experian on XX/XX/22 and XX/XX/22 requesting proof in the form of a statement or detailed payment history proving these accounts were paid late. Per the FCRA all reported accounts must be accurate and verifiable. When requested, verification must be provided within 30 days of receiving the letter. Right now, the bureaus are in violation of the FCRA and are subject to legal action. The attached accounts are the accounts in question.

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 2022-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I lost my phone, and my personal internet account was changed with a password and transferred out {$3500.00} with 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 monetary relief
Consumer complaint received 2022-10-02 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: SC

Complaint narrative:
I am requesting deletion of the XXXX XXXX XXXX  from my credit report due to the inaccurate reporting information they have been providing, this company has COMMITTED FRAUD and reported I have had a collection since XXXX of XXXX but the account was reported open in XXXX of XXXX??? 
XXXX XXXX  WAS OPENED IN XXXX OF XXXX, SO EXPLAIN TO ME WHERE XXXX OF XXXX IS COMING FROM ON MY CREDIT REPORTS ( THIS IS FROM XXXX, I DISPUTE IT AND IT COMES BACK VERIFIED?? WHERE IS THE CONTRACT WHERE I SIGNED THIS IS XXXX OF XXXX??? ) THIS IS A DIRECT VIOLATION of 12 CFR PART 1006 REGULATION F WHICH STATES 1006.18 False, deceptive, or misleading representations or means. ( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section. 


all three bureau have failed in validating this information which is a violation. Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 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 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 information that the information has been modified or deleted from the file of the consumer.

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 2022-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I called AmEx in early XXXX, because I accidently paid two balance in full payments, the alert made me jump out of bed early in the morning. I called AmEx immediately, expressing several times that I am just waking up and to bare with me. You'll hear this on the call. 

Everything was great with the refund. We end the call, and she throws a really attractive upgrade offer at me ( early in the morning ) so I said let me think about and I'll call back with a " no problem '' in response. The upgrade is nowhere to be found and I'm heard it was DECLINED?! This is extremely deceptive of AmEx.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: SC

Complaint narrative:
I wrote letters to XXXX, TransUnion, and XXXX on XX/XX/22 and XX/XX/22 requesting for late payments to be removed that were recorded during the COVID-19 Pandemic. Per the Heroes Act passed by Congress, late payments were not allowed to be reported during the pandemic plus an additional 120 days. Request to have the late payments have been removed and is a violation of the Heroes Act.

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 2022-10-02 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:
I wrote letters to XXXX, XXXX, and Experian on XX/XX/22 and XX/XX/22 requesting for late payments to be removed that were recorded during the COVID-19 Pandemic. Per the Heroes Act passed by Congress, late payments were not allowed to be reported during the pandemic plus an additional 120 days. Request to have the late payments have been removed and is a violation of the Heroes Act.

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