vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-25 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: CA

Complaint narrative:
This is about the fourth or fifth time now in the year XXXX, I keep telling the bureaus they are listing inaccurate information or incomplete but they only delete certain items not all. Here are more details on the accounts that should be deleted!

To whom it may concern : According to the Fair Credit Reporting Act, Section 611 of FCRA, credit bureaus have a responsibility to delete any information from credit reports that is inaccurate or incomplete. This is important to note, as even if an account has only been speculated upon or never confirmed in any way, the burden falls on the credit bureau to provide evidence of its veracity before it can be placed on a credit report. If the information in a credit report is wrong, it was never proven to be factual, and the consumer has the right to take legal action against the credit bureau. After disputes online and multiple complaints via the CFPB and disputes by Certified Mail, inaccurate information continues to be listed on my credit report and should be deleted immediately. I have compiled a list of date on my report attached to this complaint and one has been sent via USPS mail to the agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been contacting each credit Agency to inform them that it is a violation of the Privacy Act Of 1974. They are also in violation of 15 USC 1681 by reporting information without insuring that the information is completely accurate.

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 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I requested a refund of payments I made to Aidvantage during the COVID-19 student loan payment pause. The total amount is {$4100.00}. I requested this refund in late XXXX of 2023. Aidvantage told me it was approved shortly thereafter and that it may take 14 weeks to receive payment. I have not received anything. However, Aidvantage and dept of education both tacked the {$4100.00} back onto my student loan balance without giving me the refund amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have two credit card accounts with XXXX XXXX XXXXXXXX. 
I had paid off one early and requested the bank to transfer the payments from the paid-off account to the account with an active balance. 
XXXX XXXX XXXXXXXX failed to do this ; instead, they misapplied the payment of the balance-maintaining account, failed to correct it, and misreported that I had missed a payment or two when in fact I have made regular and timely payments via ACH from an external bank.

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 2023-10-26 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: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
Improper use of my reports by XXXX XXXX XXXX. In accordance with the Fair Credit Reporting Act. This creditor has violated my rights under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604a section 2 also states the Consumer reporting agencies can not furnish an account without my written instruction. Under 15 U.S.C 1666b, a creditor can not report a payment as late for any reason. 
I have late payments showing for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  I explained these payments were late because of not working because of COVID-19

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I applied for an apartment and paid an application processing fee to the associated realtor company in the amount of {$20.00}. The company never processed my application and I filed a dispute against this charge accordingly. 

My dispute was considered resolved and the charge re-posted to my account because the realtor company sent misleading information to Bank of America. The phone number provided to me on your letter dated XX/XX/2023 informing me about this resolution has been unreachable for the past 2 weeks. The wait times are over 2 hours and contacting other customer service numbers results in transfers that again lead to over 2 hours of wait times when the phone automatically disconnects. 

I am attaching proof of the text conversations and emails that clearly show that my application was never processed. Please re-open my dispute with this new information and research accordingly to refund the {$20.00} to my account. 

Bank of America seems to be deliberately preventing me from submitting material information about this claim by providing me unreachable phone numbers. The information presented in this letter will lead to the claim resolving in my favor.

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 2023-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I called in and spoke to a rep from TransUnion and advised that there were inaccurate information in my report that I did not give consent to. I did not authorize any of these companies to have acess to my credit report for inquiries.. 
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 2023-10-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I noticed on my credit report alerts from chase that someone opened 4 credit cards under my name and with my personal information. In XXXX i started receiving these " alerts about past due balance '', " it looks like your using your credit '' and " you credit card balance went up '' which was really weird. 

The my credit score went from XXXX to XXXX in two to three weeks. 

My chase credit report shows the following : XXXX bank card balance shows {$10000.00} with credit limit of {$12000.00}. 
Authorized user since XX/XX/23 Bank of America card balance shows {$16.00} balance and credit limit shows {$3000.00}. 
Authorized user as of XX/XX/23 XXXX card shows credit balance of {$8100.00} with credit limit {$10000.00}. 

XXXX XXXX shows balance {$240.00} oppened on XX/XX/23.

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 2023-10-26 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:
PLEASE UPDATE MY CREDIT REPORT, I NEVER LEAVE WITH THAT ADDRESSES, PLEASE REMOVE IT 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 2023-10-26 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: American Credit Acceptance, LLC
State: NC

Complaint narrative:
Improper use of my reports. In accordance with the Fair Credit Reporting Act. This creditor has violated my rights under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604a section 2 also states the Consumer reporting agencies can not furnish an account without my written instruction. Under 15 U.S.C 1666b, a creditor can not report a payment as late for any reason. 
I have late payments showing for XX/XX/XXXX, and XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX I explained these payments were late because of not working because of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I had called because I have been fraudulently being charged interest rate by this bank. I have a XXXX balance and paid in full my credit card and they were still charging me for interest. I called and I asked to speak to a Manager several times and they said a Manager would call in 24-48 hours. It's been a month and no one has called. Interestingly I noticed on my other credit card they are charging me fraudulent interest fees. I had paid off my credit card in XXXX and still being charged the interest fees. These are credit cards ending in XXXX and XXXX. I had called XXXX from my Chase Bank at XXXX XXXX XXXX XXXX XXXX. XXXX, AZ XXXX and she never verified me and ran off my personal information when I called in last month. I was disturbed that she ran off my personal account information without verifying who I was. She provided her boss XXXX XXXX 's contact XXXX. He said he would call me back and it's been a month. I've left him XXXX messages he never called me back. He has been extremely horrible. I called back today XX/XX/XXXX and XXXX answered and I told her that I need to speak to a Manager that would call me back and she said XXXX 's only the person. I told her I've left numerous messages and he doesn't call back. When I told her that I am so upset and will finally file a complaint she said well I guess I will hang up on you now then and she actually did. She needs to be reprimanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: MO

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am not responsible for the XXXX account on my credit report. My husband removed me as an authorized user months ago. Everytime I dispute it with equifax they close the dispute without explanation. It's ridiculous. A simple check with XXXX would prove I am not responsible for the account. I have provided proof from penfed where I was removed as an authorized user months ago and they ignore it. They never read the disputes I file with them. I am considering legal action against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: NY

Complaint narrative:
Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX and EQUIFAX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX  XXXX XXXX. XXXX Balance : - XXXX XXXX Balance : {$2900.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 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: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
In XX/XX/2020 XXXX XXXX XXXX has a collection against me in the amount of {$310.00} XXXX disputed this transaction with XXXX, XXXX and XXXX. Because this is false and incorrect. This account does not belong to me. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract- all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verified proof ( an original Consumer Contract with my signature on it ) you have in the file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts to be vetified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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:
I noticed on my credit report alerts from XXXX that someone opened 4 credit cards under my name and with my personal information. In XXXX i started receiving these " alerts about past due balance '', " it looks like your using your credit '' and " you credit card balance went up '' which was really weird. 

The my credit score went from XXXX to XXXX in two to three weeks. 

My XXXX credit report shows the following : XXXX XXXX  card balance shows {$10000.00} with credit limit of {$12000.00}. 
Authorized user since XX/XX/23 XXXX XXXX XXXXXXXX card balance shows {$16.00} balance and credit limit shows {$3000.00}. 
Authorized user as of XX/XX/23 XXXX card shows credit balance of {$8100.00} with credit limit {$10000.00}. 

XXXX XXXX shows balance {$240.00} oppened on XX/XX/23.

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 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct 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 2023-10-26 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: GA

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. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2023-10-26 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: OH

Complaint narrative:
XXXX XXXX account number XXXX XXXX accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions.

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 2023-10-26 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: OH

Complaint narrative:
XXXX XXXX account number XXXX XXXX accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I initially called because I have been fraudulently charged interest rate fees by this bank. I have a XXXX balance and paid in full my credit card and they were still charging me for interest. I called and I asked to speak to a Manager several times and they said a Manager would call in 24-48 hours. It's been a month and no one has called. 
I called my bank for my account information and XXXX from Chase Bank at XXXX XXXX XXXX XXXX XXXX. XXXX, AZ XXXX and she never verified me and ran off my personal information when I called in last month. It is very disturbing that she ran off my banking account information which also included my credit card information without verifying who I was. I just gave her my name and she didn't verify my address or anything and provided my info. I asked her if she had the correct person and she said yes. What's concerning is that provided my credit card number and info without verifying me. 
I asked to speak to the Regional Manager and She provided her boss XXXX XXXX 's contact XXXX. He said he would call me back and it's been a month and he has never called back and I've left him 10 messages. 
I don't know if Chase Bank knows their employees do not call back and they provide personal information without verifying the customer. This has been a horrible and extremely unprofessional experience so I called back today XX/XX/23 and XXXX answered again and I told her that I need to speak to a Manager and she said XXXX 's the only person. I told her I've left numerous messages and he doesn't call back. When I told her that I am so upset and will finally file a complaint she said well I guess do what you want to do and she actually hang up on me. She also said XXXX 's been with the company for over 20 years so he's not going anywhere and she said so has she.

Company response to consumer: Closed with explanation