vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I am writing to formally dispute the handling of my fraud claims by Bank of America. 

I was a victim of a data breach, resulting in fraudulent activities on my Bank of America account. Despite my immediate reporting and the initial acknowledgment of the fraud, Bank of America has failed to manage this situation adequately. The mishandling has led to several significant issues : 1. **Reversal of Valid Fraud Claim : ** My fraud claim, which was initially accepted, has been reversed without proper resolution. This unjust reversal has caused a cascading effect of financial troubles.

2. **Rejected Payments Due to Insufficient Funds : ** Due to the reversal, several scheduled payments from my account were rejected for insufficient funds. This includes critical payments towards my XXXX XXXX credit card. These rejections have been recorded despite having legitimate funds in my account prior to the reversal. 

XXXX. **Closure of XXXX XXXX XXXX XXXX XXXX : ** The failure to make timely payments to my XXXX XXXX XXXX XXXX, directly caused by the mishandling of my Bank of America account, has led to the closure of my XXXX XXXX XXXX XXXX. This closure has negatively affected my credit availability and overall financial standing. 

XXXX. **Closure of Bank of America Account XXXX ** Bank of America proceeded to close my bank account. This drastic action terminated my ability to make direct deposits and withdrawals, further complicating my financial management. 

XXXX. **Adverse Impact on FICO Score : ** Due to the accumulation of missed payments and the sudden increase in my credit card usage ratio, my XXXX score has suffered significantly. The mishandling by Bank of America is directly responsible for this decline in my credit health. 

In summary, the mishandling of my fraud claim by Bank of America has caused severe financial disruption, including the closure of my accounts, missed payments, and damage to my XXXX XXXX. I urgently request your intervention to rectify this situation, reinstate my accounts, reverse any unjust penalties and charges, and correct the negative impact on my credit report. 

I am attaching all relevant documentation and communication regarding this matter. Your prompt attention to this dispute will be greatly appreciated.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WHEELS FINANCIAL GROUP, LLC.
State: OH

Complaint narrative:
I did not give permission or authorization to open my credit report to XXXX  or XXXX XXXXIve filed identity theft reports and frozen my XXXX account to prevent fraudulent activities.Ive added black web sweep for extra security..I disputed with XXXX credit breua and let them know I didnt recognize companies or give anyone permission or authorization to use my information and I asked to be removed immediately because it hurting my credit score negatively I also noticed a address on my file that I dont recognize XXXX XXXX XXXX XXXX, OH XXXX witch I disputed with XXXX also that I want removed immediately also

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: TX

Complaint narrative:
Reporting to all three credit bureau agencies that Im a victim of identity theft and I havent applied for a loan

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 2024-05-23 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My claim has been denied because of them saying there were no indications of fraud when I have XXXX footage of my card and pin being skimmed I also have a criminal case being processed for the cashier who the company I went too says is responsible for my card being skimmed. I initially told my bank that I went into the location and thought that the transaction that showed up on my account came from that visit. With me saying this they used that information to say I was still liable for the funds. Unbeknownst that days after I filed my claim. XXXX was able to recover XXXX footage of me swiping my card and entering my pin on the skimmed system. Which later was used WITHOUT my authorization or KNOWLEDGE to charge my account not once but twice for XXXX. On XXXX different occasions, never once did Wells Fargo reach out to the cop on my case or the store of which this crime took place.

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 2024-05-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IN

Complaint narrative:
Chime states that they closed my account back in XXXX of 2024 due to my account not being in compliance to their partner bank, " XXXX XXXX Bank ''. However, they never gave reason or explanation of the incompliance. Furthermore, Chime refuses to relinquish remaining funds due to me. Claims that of the company will only send remaining funds in the form of a check to the address on file. While my address is no longer on file and they refuse to update this information for reasons that further allows them to retain consumers monies in their possession. I have contacted this company numerous times and have received no resolution on their behalf. I have several email correspondences that kept me in a loop of contacting a support email and calling the customer service support line with no resolve for me, the consumer. Chime claims they are not able to update information on the account once an account is closed. I find this to be malicious business practices in place to keep consumer funds in possession of their organization. I am due monies in the amount of {$740.00} recorded via their accounting, however I believe to be due more than that amount as my information was compromised and also Chime was informed of this as well. I do not have access to my account and can not see or obtain any accounting data because Chime has made it impossible to do so. Violating my rights as a consumer in virtue of these acts by the company. Please advise on any remedies to have any funds due me the correct and accurate just amounts I am owed by Chime. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting 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: NV

Complaint narrative:
I checked my Experian credit report. 
There is an unknown hard inquiry, titled XXXX, dated XX/XX/2024. I have not any business conducted recently that required credit inquiry. I would like to report a fraud. I called Experian today and they placed a fraud report. I was advised to also file a report here.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: WY

Complaint narrative:
On XX/XX/XXXX, I messaged Comenity Bank 's Customer Care Team regarding my XXXX 's Credit Card being charged a minimum interest balance of {$2.00} on a XXXX balance, which proceeded to accrue late fees and other minimum interest charges to a total of {$30.00} as of XX/XX/XXXX. I had fully paid my credit card with them down to a XXXX balance as of XX/XX/XXXX, but had been charged a minimum interest charge of {$2.00} as of XX/XX/XXXX, XXXX stated it was because my account was not paid in pull by the billing due date, which it was. The billing due date, in this case, was XX/XX/XXXX, and my card was paid in full as of XX/XX/XXXX. This caused a string of late fees as well as additional minimum interest charges to accrue on this card from XX/XX/XXXX, to XX/XX/XXXX, which I believe is incorrect on the company 's side. I ended up discussing further with the Customer Care Team and was refunded the majority of the late fees and finance charges, however they still negatively reported against my credit score and labeled me as XXXX days past due. The entire reason that I was considered as " past due '' was due to their charging of a minimum interest balance on a XXXX balance, which is illegal. I ended up paying an additional {$5.00} to this company as of XX/XX/XXXX, for the charges they did not refund, which is the same date that the reported me as " past due '' to my credit reporting agency. I strongly believe that this entire situation is not correct and should not be reported against me to my credit reporting agency. 

I called this company on XX/XX/XXXX, to inquire on how to dispute this situation, and was met with a runaround on who to contact and how to contact them. Seeing as this got me no resolution, I turned to writing a letter with my statements enclosed for their viewing. I sent this letter to multiple different departments of this bank on XX/XX/XXXX, and still have not heard from them and my XXXX XXXX is still negatively impacted. I feel that this is a gross injustice as it is likely affecting not only myself, but thousands of others that have cards with this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my credit report and I am upset about what I found out. There is a late payment remarked on it but I did not incur any late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my credit report and I am upset about what I found out. There is a late payment remarked on it but I did not incur any late payments.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc.
State: OH

Complaint narrative:
i have requested that these security freezes to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: MI

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-05-23 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-23 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: DE

Complaint narrative:
XXXX, XXXX, and Equifax have taken over 30 days to remove inaccurate accounts and unauthorized inquiries on my report. 

AFFECTED ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Experian, XXXX, and XXXX have taken over 30 days to remove inaccurate accounts and unauthorized inquiries on my report. 

AFFECTED ACCOUNTS : XXXX XXXX XXXX EXPERIAN 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 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 non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following 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 explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Overland Bond & Investment Corporation
State: IL

Complaint narrative:
Re : Dispute and Demand for Immediate Removal of Defamatory Information and Violation of Consumer Rights I am writing to dispute the fact that you are furnishing information contained in my consumer report, which has resulted in the denial of a high-paying job opportunity and access to capital. I have attached a copy of the letter notifying me of the adverse employment decision. 

Furthermore, I demand immediate removal of the defamatory information, as it violates my rights under the following laws : 1. Defamation ( State laws vary, but generally, defamation is defined as false statements that harm an individual 's reputation ) 2. 15 U.S.C. 1681 ( Fair Credit Reporting Act ), specifically : - 15 U.S.C. 1681b ( Permissible purpose ) you must have written signature by me and you dont! 
- 15 U.S.C. 1681j ( Opt-out rights ) You are required under the truth in lending act to inform my rights that i can legally opt out and you knowingky withheld that information for your greater purpose. 
3. 15 U.S.C. 6802 ( b ) ( GLBA Privacy Rule ), Obligations with respect to disclosures of personal information You are sharing my information with third party companies such as XXXX, XXXX and XXXX these company is not a government entity so they do not have any business furnishing a report with my name and personal information without my say so either. 

I request that you take immediate action to : 1. Remove the defamatory information from my consumer report 2. Provide a corrected consumer report to all entities that have received the inaccurate report in the past two years 3. Confirm in writing that the above actions have been taken within 30 days of receipt of this letter Please note that failure to comply with this demand may result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting 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:
Random reports are on my credit that was reported from people who ran my credit without my permission & I want all of these inquiry accounts disputed from each credit bureau, all of the dates is ( these were all put on my credit without my consent ) 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 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 2024-05-23 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
Random reports are on my credit that was reported from people who ran my credit without my permission & I want all of these inquiry accounts disputed from each credit bureau, all of the dates is ( these were all put on my credit without my consent ) 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 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