vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-13 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
on or around XX/XX/23 XXXX XXXX XXXX deleted my credit card ( which i had just paid the full balance on 0f {$1200.00} with some fees and was planning to use the money to pay bills to which the money came from a loan i got from my retirement ) as the claim, due to a investigation from equifax that equifax claimed i disputed fraud ( which was incorrect, the dispute i had with equifax was about the reporting of several accounts based off of one account, and to correct it ) which was incorrect information. equfax claimed and advised first premeire to the result which they deleted my account without my agreement.. i would like for my full credit card account privilages to be re established and full monies funded, and punitive damages for fees inccured.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I went away last year from XXXX to XXXX my daughter said her and her babies father would stay here for the month I was away when I got home I couldnt believe what my house looked like they broke my oven, my sofa, and my over {$2000.00} bed I have 300 photos of everything they even pried open a 30 year old concrete safe they took all of my money it was thousands they took the tenant upstairs security money and they took a kids bank thst I save for their children for over 5 years it had to be over {$4000.00} I only put in there silver coins and bills finally he got a hold of my old cell phone and XXXX himself {$5000.00} and XXXX yo someone named XXXX {$2000.00} later the chase bank vice president helped me and told me the account owner od the XXXX XXXX XXXX XXXX I wrote a letter to the OCC also I cant believe after a year of sending tons of documents the lady says on the phone we believe you with the evidence you sent I but the problem is that the {$7000.00} is gone where do we get it from?? I said a huge corporation isnt insured for a lossy {$7000.00}?? They said no so this is why Im writing to your company trying to get help they besides stealing all my money also XXXX {$7000.00} to them self please help me because the police all I ever hear is we cant do anything about this this is UNBELIEVABLE I hope you can help me the notes I have said I was going to get free access to me via email but I have not received it yet PLEASE HELP ME THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-07-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Williams & Fudge, Inc
State: CO

Complaint narrative:
Three years after graduating, I get a call saying my private loan will go to collections. I never once received a call, email, letter, ect and I'm already paying off my other student loans. This whole time was during the student freeze so I'm feeling stressed about the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America credit card I never received the rewards for the card I had and I was charged a lot of late fee

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
XXXX XXXX I paid a XXXX XXXX XXXX sent me, on line using my bank, XXXX XXXX XXXX 
It was accepted. Then, for the next, 6 ( SIX ) months, they have refused to acknowledge that this bill was paid in full, on TIME. They continue to accrue interest, penalties and fees on that {$210.00}, no matter how many calls I make to XXXX XXXX and their collection Bank, XXXX! 
My over XXXX point credit rating has plunged more than XXXX points, making it impossible for me to do anything requiring an excellent credit rating. 
I have a file an inch thick on paper work associated with trying to get this straightened out. XXXX XXXX XXXX bank have recorded their letter to them stating that the bill was paid on line through their financial institution ... .everything completely ignored! When I am actually able to get through to a real person from either XXXX or XXXX XXXX, I am treated with no respect, threatened, put off, hung up on ... .transferred to others who insist I repeat the whole story to them over and over and over.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-13 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: IL

Complaint narrative:
Please note, this is a not a duplicate complaint, and I am not using any third party for this matter, I represent myself by myself. I pulled up my credit report from Equifax - report and that report is showing my account in a late payment - XXXX XXXX  - date opened XX/XX/XXXX. This account is closed and paid, NEVER LATE. I have a proof of payment in XX/XX/XXXX, that payment went from my bank account to XXXX XXXX XXXX, I have attached a copy of my bank statement to this complaint, please note, that ONLY EQUIFAX has reported this account in delinquency, I WAS NEVER LATE ON THIS PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Someone was trying to hack my Capitol One Bank credit card. The bank closed the account and need me to supply them with 3 forms of information to show my Identity. 
I send them the information, however the refuse to send me my monthly statements. I was told by the secuirty fraud agent that the person who was trying to hack my account had change to paperless statement and Capitol One who change it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Every time when I pay credit card amount I found so much money still in my credit I am customer in BOFA in 8 years ago dont get any more money in my credit card or any changes in my score of credit card I lose so much money with Bank of America

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLANT. I'm not using any third party for this matter and represent myself by myself. I'm sending this complaint because I have pulled up my credit report and I noticed some hard inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. YOU are reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. I have filed FTC report for this matter. Here are the list of these fraud items : XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. 
Please remove these items from my report as soon as possible, I have included the copy of my SSN, driver license, proof of address and copy of FTC 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 2023-07-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SS # : XXXX Date of Birth : XX/XX/1983 Dear Sir/Madam, I am writing to dispute the negative items that appear on my credit report from your company. I am emotionally distressed by the presence of these accounts, which have negatively impacted my credit score and have made it difficult for me to obtain credit. 

Firstly, I dispute the charge off account from XXXX  XXXX ( XXXX ) and the late payment account from XXXX  XXXX ( XXXX ). I believe that these accounts were not accurately reported and do not reflect my creditworthiness. Furthermore, I am requesting that these accounts be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Secondly, I dispute the charge off account from XXXX XXXX XXXXXXXX ( XXXX ), the collection account from XXXX XXXX XXXX ( XXXX ), and the charge off account from XXXX ( XXXX ). I am unaware of these accounts and have not received any notification or correspondence regarding them. I am requesting that these accounts be investigated and removed from my credit report if they are found to be inaccurate or fraudulent. 

Thirdly, I dispute the charge off account from XXXX XXXX XXXX ( XXXX ), the late payment account from XXXX XXXX XXXX ), and the charge off account from XXXX ( XXXX ). I believe that these accounts were reported inaccurately and do not reflect my creditworthiness. I am requesting that these accounts be removed from my credit report in accordance with the FCRA. 

Lastly, I dispute the charge off account from XXXX ( XXXX ), the late payment account from XXXX ( XXXX ), the charge off account from XXXX  XXXX XXXX  ( XXXX ), and the charge off account from XXXX XXXX ( XXXX ). I believe that these accounts were reported inaccurately and I am requesting that these accounts be removed from my credit report in accordance with the FCRA. 



I urge you to investigate these matters thoroughly and respond to me in writing with your findings. I am confident that these disputes can be resolved in a timely and fair manner in accordance with the law. 



Sincerely, 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 2023-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
I have been a cash app member since XXXX. I was under the impression, that I had a personal account. I never changed my account to a business account. I was being charged every time I received funds, when I shouldn't have been charged. I don't own a business, and never owned a business, and therefore I shouldn't have been charged. When I noticed the mistake, I used the customer support option on app,, and, didn't get the help I needed.. I called cash app customer service, and they said they only could refund me for 7days. I repeatedly told them, I would like all the money they took from my transactions, because that is theft.. They reimbursed {$28.00} ( which is for the last 7 days ) on XX/XX/XXXX @ approximately at XXXX. I explained to them, that is not even half of all the money they took from me,, which was clearly unauthorized. I asked to speak to someone in charged and was told, I only could do so by email.. I have been exceptional customer, and don't deserve this. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
on XX/XX/2023 I received a phone call from XXXX XXXX XXXX stating I needed to pay a monthly installment of {$81.00} dollars on an American Express credit card debt by XX/XX/XXXX XXXX.I explained to them this amount was paid on XX/XX/2023 -- they stated they had no record of this but I do ( it shows my payment on American Express account spread sheet ) ..this is the second time in 3 months XXXX XXXX Solutions have attempted this double payment " spiel '' ..I became highly agitated when they would not correct themselves..this is excessive erred accounting or attempted fraudulent collection proceedures... it is my understanding they have had multi numerous complaints of this " high handed '' procedure ... I request that they cease any communication to me through preverication as I continue to submit {$81.00} monthly payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I had a XXXX Credit card with Bank of America. In XXXX of XXXX I used the card to purchase tickets on XXXX XXXX to and fro from XXXX to XXXX for me and my granddaughter. However after reaching XXXX I cancelled the return ticket. XXXX XXXX, as per their refund rules was supposed to give me credit of around {$2700.00} ( business class tickets ). However the payment made by XXXX XXXX XXXX ( USD ) in XXXX of XXXX was allowed by Bank of America to be withdrawn by them ( as per Bank of America when I enquired later ). After so many back and forth and me complaining to Department of Transportation XXXX XXXX XXXX XXXX and with no luck, I closed my credit card account with Bank of America in XXXX of XXXX. DOT took up the matter with XXXX XXXX XXXX but with no luck. Finally, now XXXX XXXX has agreed to give back my money but requested that I get a letter from Bank of America that my account is closed and there are no balances. I requested Bank of America to send me such a letter last week. Alas, they are now sent me a letter that states that I have {$0.00} as balance in my account and my credit limit is etc. etc. instead of sending a letter that should clearly state that I closed my account with them. Now, I do not have an account with them but if I send the letter from Bank of America XXXX XXXX XXXX, they will then say that they have to send the refund to my credit card as it is not closed as per Bank of America letter. Looks like both Bank of America and XXXX XXXX XXXX are hands in glove in depriving my hard earned 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 monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 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: IL

Complaint narrative:
Good morning, In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  Acct # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeI have previously requested the credit bureaus there are constant inconsistencies in my credit reports, date opened, last reported, date last active, date of last payment, & payment history. I've tried multiple times to handle this with no success. They did not properly verify report and there are multiple inconsistencies. I've requested documentation with my signature to verify the account. They have not provided any of these things. I have attached screenshots of these accounts from my credit report to show they did not verify these accounts and I demand that they are removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Good morning, In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX Acct # XXXX XXXX XXXX  XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX Acct # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeI have previously requested the credit bureaus there are constant inconsistencies in my credit reports, date opened, last reported, date last active, date of last payment, & payment history. I've tried multiple times to handle this with no success. They did not properly verify report and there are multiple inconsistencies. I've requested documentation with my signature to verify the account. They have not provided any of these things. I have attached screenshots of these accounts from my credit report to show they did not verify these accounts and I demand that they are removed.

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