vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
BANK OF AMERICA- I am submitting this in conjunction with the class-action lawsuit. I'm not looking to get any money I just want my rewards back! 

I booked a flight from XXXX NJ to Florida through my BoA ( business account ) rewards for XX/XX/2021. Due to COVID concerns I had to cancel my flight. I kept talking to the BoA travel center about cancelling my ticket but they kept dragging until the night prior and I ended up cancelling it myself. Then, I called BoA travel center once again to give me my XXXX points back. I was told they would do it, but they didn't move an inch. 

I was told that someone would call or e-mail in the next XXXX hours. Shortly after XXXX hours went by with no call, I posted a brief comment on the BoA XXXX page. A little while later, I got a call from a customer service person who said they were from BoA, but it turned out to be a fraud operation and they stole over {$4000.00} from my account via XXXX. Later, I realized that this operation saw my XXXX post, looked me up and found my # on my business website ( which I since removed ). I did not give them any private info, like my SS #, but they kept me on long enough over several calls, along with a fake XXXX call through to 'unblock a text authorization '. So, then I had to deal with the fraud, which to BoA 's credit they did resolve and refund my money within a few days. 

However, the points issue remained and I got so tired of all of it I let it go. But I want my XXXX points back! Even recently, I was chatting with the social media team on XXXX and they kept saying they would help but gave me a runaround. I can't take it and will likely switch my account to another bank but need to use the points I still have and WANT MY POINTS BACK! I earned those points and booked that flight and have suffered a lot of stress due to their shenanigans.

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 2023-08-15 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 15 U.S Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted. from an alleged identity theft, not later than 4 business days after the date of receipt. It has been more then 60 days and you are in VIOLATION of this law.

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 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Affiliates Management Company
State: CA

Complaint narrative:
I received this Atira gift card as a XXXX  Debit card {$50.00} and held onto it to save for a special trip. When I called the company I find out the company charged me {$2.00} each month after a 12 month period so there is NO money left on the card. Even though the card says Good thru XX/XX/27. It costs the company nothing while Im not using it. This is just under handed theft to me. They said sorry nothing we can do. 

Your instructions say dont share any account numbers so Ill wait to hear from you to send the card number

Company response to consumer: Untimely response
Consumer complaint received 2023-08-15 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: NY

Complaint narrative:
I recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See attached documents. Remove this personal information that does not belong 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 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See attached documents. Remove this personal information that does not belong 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 2023-08-15 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: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 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: Experian Information Solutions 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 explanation
Consumer complaint received 2023-08-15 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: Self Financial Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX  Account # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: MD

Complaint narrative:
After receiving notification from all 3 consumer reports l, I have found after great measure, Equifax continues to report inaccuracies. VIOLATING my FCRA rights under U.S.C 1681 g. I submitted on XX/XX/2023 a formal inquiry on the accounts listed below in this document. I requested an investigation for any incorrect information be investigated, if found inaccurate or unfounded to be removed from my Consumer reports within receipt of completed investigation of 30 days.Furthermore I have requested online investigations via Equifax dispute center and have received no response of accurate information in the past 60 days. Equifax has returned updated, and validated responses in the past 7 months, and continues to report adverse inaccurate information on the following accounts : XXXX  acct # -Date of last activity incorrect, does not match all 3 XXXX XXXX -Close Date incorrect, does not match all XXXX XXXX XXXX  -Payment history does not match all XXXX XXXX XXXX  XXXX account # -High balance inaccurate, does not match all XXXX XXXX XXXX -Date of last activity incorrect, does not match all XXXX XXXX XXXX  -Close Date incorrect, does not match all XXXX XXXX XXXX  -Payment history does not match all XXXX XXXX XXXX -incorrect credit limit, does not match all XXXX XXXX XXXX account XXXX -High balance inaccurate, does not match all XXXX XXXX XXXX -Date of last activity incorrect, does not match all XXXX XXXX XXXX -Payment history does not match all XXXX XXXX XXXX XXXX account -Date of last activity incorrect, does not match all XXXX XXXX XXXX  -Close Date incorrect, does not match all XXXX XXXX XXXX -Payment history does not match all XXXX XXXXXXXX XXXX  XXXX balance does not match all XXXX XXXX XXXX  Bankruptcy that can not be validated a copy from XXXX XXXX states the bankruptcy can not be validated and a copy from Maryland bankruptcy court stated the court does not report to consumer reporting agencies. These accounts are not reporting accurately. I did not give equifax to exclusively report this information. Therefore these accounts are violating my FCRA rights under U.S.C. 15 1681g I am demanding they be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The following XXXX hard inquiries are showing on my transunion report and my credit protection that i pay for alerted me to this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are not my accounts, i did not solicit them and i don't have these accounts and my fraud alets i pay for notified me. I want these 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 2023-08-15 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: FL

Complaint narrative:
Since XX/XX/2023 I have been trying to get my credit report updated with correct information. I have disputed incorrect information on my credit report XXXX times via Certified XXXX mail and on Transunion 's website. I explained that the bankruptcy record was incorrect and asked for the deletion of the record. explained to Transunion how the information being reported was incorrect. I also disputed the information with XXXX, a known data furnisher. The bureau failed to remove the record from my profile, despite erroneously and impartially reporting data about me. I educated myself on my consumer rights. To my understanding, all information being reported about me must be thoroughly correct, otherwise, it should be removed from my credit report. After several attempts, Transunion has failed to remove the incorrect record. I also requested information on how Transunion investigated and validated the erroneous information. I asked who furnished it. 
XXXX provided me with a letter stating that they contacted Transunion to update them regarding unverifiable consumer data. I have attached that letter. Transunion has not removed the public record from my report nor have they told me who validated the information.

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 2023-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On or about XXXX XXXX, 2023 my checking account with Chase Bank was unexpectedly closed without any alerts or warnings. My account is also connected to my son 's chase XX/XX/XXXXaccount. My son 's name is XXXX XXXX, XXXX We both went to a chase branch to get some answers on why our accounts were closed. The representative and the manager at the branch told us that they did not know why my account and my son 's XX/XX/XXXXaccounts were closed. They stated that it was not hacked. This is a very difficult painful, frustrating situation to myself and my son. My son is in the process of attending college and he needed to purchase some items with his chase XX/XX/XXXXcard, but when he went to use the card, the account was CLOSED. I have direct deposit for my pay and I also use this account for my E-Z pass and other matters. 

How can Chase just dump someone's account without notice. This has caused substantial injury to myself and my son and we are totally upset and angry that this happened Also be advised that I never received any letters in the mail regarding closing our accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: NV

Complaint narrative:
I am a victim of identity theft and fraud. I have not opened these accounts and I have not received any goods, money or credit from the alleged corporations. I have sent the credit bureaus an identity theft police report from the FTC, and a notarized identity theft affidavit along with my personal identifying information. According to the FCRA subsection 605b any items dealing with identity theft should be removed in 4 days in which the corporation is past due. I would like the following items blocked/ removed from my consumer report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX 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 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 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: VA

Complaint narrative:
I was sent to the XXXX XXXX XXXX XXXX  on XX/XX/XXXX of XXXX and stayed XXXX until XX/XX/XXXX of XXXX in XX/XX/XXXX I took steps to recover my chime account by updating my email and phone number to my new information so that I could reset my password to have access to my account once I went through the verification process of updating my information and changing my password when I logged in, I realized that the state of Florida had deposited about {$2000.00} of my backpay for my unemployment into my chime account and that a person by the name of XXXX XXXX XXXX, somehow gotten into my Chime account and sent the money to her own self. XXXX at the time was my girlfriend and I believe that she took one of my old cell phones and access my account that way because she did not have my card or my permission to use my account. She stole over {$2000.00} from me and when I reported it to Chime, I also submitted documentation of my XXXX the dates of XXXX, and within seven hours they denied my claim and did not even investigate is clearly showing that the charges were made while I was XXXX and I had no way to make the charges myself and I did not give her permission nor did I even know that the money was deposited into my account until I signed in in XX/XX/XXXX is when I realize that the money has been stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-08-15 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation