vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Collector is restarting the clock on the date of first delinquency on XXXX to XXXX on all credit bureaus, this is an illegal practice and must to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Collector is restarting the clock on the date of first delinquency on XXXX to XXXX on all credit bureaus, this is an illegal practice and must to stop.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian is extorting me to access my credit reports and attempting to charge {$24.00} month while also fraudulently reporting my score. 

They also did not meet the terms and conditions of the Identity Theft Protection, and never corrected my score due to misreporting of my credit history and 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 2024-02-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I informed BofA about fraud and they declined my case. Upon made decision I requested all records used to make decision and reconsider my claim again declined with no records of investigation provided 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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is a collection account from first credit services for a membership I did not sign up for from a company called XXXX  XXXX. I requested for a contract from the company & they were unable to provide it Please remove all fraudulent collection accounts from my credit report

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 2024-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
Purchased house XX/XX/XXXX. Applied for XXXX exemption with tax office and was granted early XXXX (? ) for XXXX & XXXX. Paperwork filed with Lakeview LoanCare Mortgage and they notified us Id get a refund of more than {$5300.00} in XXXX. Each time we called ( 4 or 5 times with our tax office & mortgage co ) we get nowhere. I still have not received a check!

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 2024-02-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: OH

Complaint narrative:
They put this collection on my credit report and its in accurate mbs bro LLC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Student loans were reported to credit bureaus with negative status

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 2024-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
I went in to purchase a money order. In my many years on Earth, anytime I needed a money order, I paid only the fee cost listed and possibly tax. When I came in this location to purchase the money order, there is a fee on a board but nothing else which for the amount I wanted was {$1.00} ( the requested money order amount was {$35.00} ). The agent then tells me that the cost is {$36.00} and she has to round it up because they charge an atm withdrawal fee and it is in increments of {$5.00}. I asked for clarification and she said there is a {$3.00} withdrawal fee that she will return to me in cash ( she gave me {$3.00} ). This all made no sense since the amount that ultimately came out of my bank account for a {$35.00} money order was {$43.00}. This was not an atm withdrawal but they treated it as such by charging me XXXX fees. Essentially, this company is ripping people off and overcharging for the money orders without disclosing the fees prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have reviewed my credit report and there were inaccurate and incomplete information for several accounts. I have contacted and sent out dispute letters to TRANSUNION on XX/XX/2023. It's been well over 30 days since. I have not received a response from TRANSUNION whatsoever. I will attach the dispute letters I have sent toTRANSUNION.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Holloway Credit Solutions
State: CA

Complaint narrative:
HOLLOWAY CREDIT SOLU XXXX XXXX XXXX XXXX, AL XXXX Send me a debt validation letter with a signature that was not mine and drivers license that was not me. They can not prove this account belongs to me and if must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXXday timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: IN

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

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 2024-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams, Rush & Associates, LLC
State: AZ

Complaint narrative:
I reached out to the collection agency, William Rush, and associates provided them with information stating that this is not my account nor do I have any knowledge of it and is in fact, a result of identity death I requested proof of the debt, however, have not been provided anything in months Ive disputed the account and for whatever reason its reported as a valid account so now I am falling a new FTC report and police report with these new fraud accounts that are popping up again so that they can be Removed and blocked

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel these accounts are affecting my credit report. 
Here are the items I am asking you to verify as accurate : 1. XXXX XXXX account ending in XXXX correct balance is {$150.00} XXXX. XXXX  XXXX account ending in XXXX correct balance is {$52.00} XXXX. XXXX XXXX account ending in XXXX correct balance is {$130.00} XXXX. XXXX XXXX account ending in XXXX correct balance is {$22.00} XXXX. XXXX XXXX account ending in XXXX correct balance is {$230.00} XXXX. XXXX XXXX account ending in XXXX correct balance is {$320.00} XXXX. XXXX account ending in XXXX correct balance is {$520.00} XXXX. XXXX account ending in XXXX correct balance is {$54.00} XXXX. XXXX account ending in XXXX correct balance is {$90.00} XXXX. XXXX XXXX account ending in XXXX correct balance is {$200.00} XXXX. XXXX XXXX account ending in XXXX correct balance is {$420.00} XXXX. XXXX XXXX account ending in XXXX correct balance is {$270.00} XXXX XXXX  XXXX account ending in XXXX correct balance is {$72.00} XXXX. XXXX XXXX account ending in XXXX correct balance is {$41.00} Please check the account balance and correct information on my credit report. As this information on my credit is causing a big impact on my file.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel these accounts are affecting my credit report. 
Here are the items I am asking you to verify as accurate : 1. XXXX XXXX account ending in XXXX correct balance is {$150.00} 2. XXXX XXXX account ending in XXXX correct balance is {$52.00} 3. XXXX  XXXX account ending in XXXX correct balance is {$130.00} 4. XXXX XXXX account ending in XXXX correct balance is {$22.00} 5. XXXX XXXX account ending in XXXX correct balance is {$230.00} 6. XXXX XXXX account ending in XXXX correct balance is {$320.00} 7. XXXX account ending in XXXX correct balance is {$520.00} 8. XXXX account ending in XXXX correct balance is {$54.00} 9. XXXX account ending in XXXX correct balance is {$90.00} 10. XXXX XXXX account ending in XXXX correct balance is {$200.00} 11. XXXX XXXX account ending in XXXX correct balance is {$420.00} 12. XXXX XXXX account ending in XXXX correct balance is {$270.00} 13. XXXX XXXX account ending in XXXX correct balance is {$72.00} 14. XXXX XXXX account ending in XXXX correct balance is {$41.00} Please check the account balance and correct information on my credit report. As this information on my credit is causing a big impact on my file.

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 2024-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I'm writing in regards to an account that was unfairly UAADP added to my consumer report. This account does not belong to me. I have never done business with this company. Yet my non-public personal information was used to damage my credit report and credit score.This is a violation and considered identity theft. In Title 15 U.S.C. Sub-section @ 681 ( a ). My non-public personal information can not be disclosed without my prior authorization. This account is to be deleted immediately.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: First Credit Services Inc.
State: FL

Complaint narrative:
There is a collection account from first credit services for a membership I did not sign up for from a company called XXXX XXXX. I requested for a contract from the company & they were unable to provide it Please remove all fraudulent collection accounts from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo sent me an email to open everyday checking account with the promotional bonus. When i followed that email and tried to open the account then the application was denied. Why in the first place Wells fargo send an email like this if they have to deny my application?

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 2024-02-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: AK

Complaint narrative:
Requested check over {$100000.00} after closing account with no notice. There has been multiple attempts to get check from Chase bank. Chase has stated they have sent the check multiple times. We have not received the check. This is causing financial hardship. We recently contacted Chase and they said it would take 72 hrs to research it. We have yet to receive a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My mother put money orders in my account that was saved up for us to move. They locked my account the next day ( XX/XX/XXXX ) and now they wont unlock it until her phone number and name matches. It hasnt been working for reasons that we cant figure out. Weve tried to get it fixed by XXXX XXXX which we did and it still didnt work. They said they are sending me all the money in my account except the money orders ( $ XXXX ). They keep telling me that the only way to get the money is if my mom identifies her self which by a phone number is ridiculous. She has even come in person and they still wont unlock it. I havent had money for over three weeks which caused my credit score to go down due to the fact that they closed all my accounts and is taking forever to send me my money so I cant pay any bills. They said they have to make sure this isnt fraud or something when literally they are STEALING my money. Theirs nothing that gives fraud. Someone told me that it was flagged in the first place because the money orders were from XXXX and they werent cashed until the every end of XXXX but i told her that we saved them because we were moving in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2024-02-28 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.

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 2024-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
I was the victim of a romance scam. The customer chat support does nothing to investigate because the network is " peer to peer '' and all transactions are legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Continuing to report a false bankruptcy that was only filed

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: MI

Complaint narrative:
Lexis Nexis has allowed XXXXXXXX XXXX  to access my information repeatedly for years. I am not only a victim of identity theft and have all of my credit reports frozen with a notice stated on them INCLUDING a Lexis Nexis freeze which they have failed to put on, but also I'm a victim of a violent crime and part of the Michigan Attorney General address protection program. Allowing companies like this to not only report false information but easily access my location or personal information could be a XXXX XXXX for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA reporting is directly impacting my ability to obtain home mortgage. Reporting my loan which has been charged off, as 90 days late each and every month is a violation of FCRA. As the debt is charged off, factually, it can not be 90 days late. The debt is charged off. The loan is considered closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
United Explorer Credit Card offered by Chase has a promotional feature related to the United MileagePlus program benefits which says " Premier qualifying points ( PQP ) help you earn MileagePlus Premier status, which provides you with an enhanced travel experience. You'll earn XXXX XXXX  for every {$500.00} you spend on purchases with your Explorer Card ( up to XXXX XXXX  in a calendar year ) that can be applied toward your Premier status qualification, up to the Premier XXXX level '' Since the terms and conditions says that the points have to be earned in a calendar year, a person getting a card in the latter months on the year ( in my case XXXX ) will not get an equal opportunity to earn this specific benefit as I just got a month ( XXXX ) in the calendar year. This doesn't give equal opportunities to members to earn the points and even if you spend multiple $ XXXX wit your card, your points will be flushed down in ta month or XXXX. The terms are written inside the website and are not very clear and misleading. They are also not easily found and you have to search for them. This is misleading the customers who go through a hard inquiry to get the card and hurt their credit.

Company response to consumer: Closed with explanation