vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: NJ

Complaint narrative:
I filed a dispute with Way to go card in early XX/XX/2023. The representative deactivated my card as expected and told me that the fraud department would follow up. I received a package in my mail pertaining to my claim dispute in which I completed and faxed and emailed back to the listed fraud department contact. XX/XX/XXXX I called to check the status of my claim. I spoke to three different supervisor that told me that my claim was denied. They all told me it was denied fir inaccurate information. I asked for a copy of the denial and they told me I had to wait for a copy of the letter and that I would receive the letter in the next 3-7 business days. I explained that I would like a copy emailed to my email on file as I would like to have a clear understanding of why the claim was denied. An email was sent to XXXX. XXXX with a denied claim belonging to another person living in Virginia along with detailed information that is confidential and sensitive. The claim belonged to an individual living in Virginia. I attempted to call NJ child support directly and explained the frustration. I also called the number to the fraud dept of this card XXXX and was placed on hold for over two hours in which the call then got disconnected. I am out {$370.00} in unauthorized Lyft charges. This money is child support money belonging to my children. XXXXm frustrated with the banking system. I have yet to receive provisional credit. I am unable to speak to someone and I was sent another persons information. Not to mention that I received my new Way to go card in the mail today XX/XX/2023. It took this bank over a month to mail me a new card. This is absolutely illegal and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There's an account on my credit report that has been removed and a couple of months later it pops back up making me go through the entire dispute process all over again. When it does show up again you can see that whatever discrepancy I would point out on a previous dispute would be corrected, but have another piece of information wrong or different across all 3 agencies. It's obvious because technology now allows me to capture the screen shot and see how it's changing as if. I'm not noticing it. How many chances does one get to correct the record? Eventually with enough chances they'll be able to get it all right. In my opinion there's been enough of what I think in my own opinion violations done to me to where I don't have to argue about the validity of the account in question. Currently XXXX has been the only one out of the three that has got it right for the second or third time, sorry im starting to lose track. It's insane what I have been forced to go through. Dispute after dispute. I've even sent the disputes certified pointing out all the discrepancy in regards to the the amount of the account. It always changes. I even have a recorded phone call with one of there employees who couldn't get the facts right. First the original balance was {$3800.00} then it was {$3800.00}. But then there was adjustment that brought the original amount to {$3000.00} to no wait the original amount is {$3800.00} and 20 % of it was already paid. 2 of the credit Bureau 's had the original amount at {$3800.00} and the other at {$3000.00}. XXXX with the original amount of {$3800.00} with a high balance of {$0.00}. Equifax removed the account then reinserted it without notice. No heads up, no letter in the mail letting me know. XXXX did the same without notice. There's incomplete information showing the collection status for the last 3 months and no status information for all the months before hand. I asked for the credit Bureau 's for the findings of facts with proof of the investigation efforts and nothing but crickets. They have date of first delinquency of XX/XX/XXXX of 2018 yet I have a letter from the the original creditor stating the payment was due XXXX of 2018. They claim the debt is educational yet the information they furnished to hireright reporting agency has absolutely nothing in the trucking school section of the report. I'm sure there's stuff I'm forgetting. I just want this account to be gone, deleted, and done and over with. I have proof of all this. I'll try to attach as much proof as i can but please if theres anything you dont understand or need explanations of anything, then for love of XXXX contact me by any means possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: TX

Complaint narrative:
This company is allowing the furnishers to furnish information that is inaccurate to my credit report even after I notified them of my dispute. From my understanding this is a violation of 15 US Code 1681i and 15 US Code 1681e. The credit reporting agencies must follow reasonable procedures. From my understanding this company could be held liable under 15 usc 1681n for willful noncompliance

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 2023-02-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have requested documentation of an alleged account in question that is being reported inaccurate and incomplete to the consumer agencies. on XX/XX/2022 I requested that they provide actual proof of account XXXX from bank of america along with any IRS profit and loss write off form 1099c. Have not heard, back from XXXX XXXX at Bank of america. 
this is a violation under FCRA law : Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: GA

Complaint narrative:
I was reaching back out to you about some bankruptcies showing on my credit and I have never filed bankruptcy. I reached out to you all back on XX/XX/2021 and the response from the credit bureaus said they were going to investigate the bankruptcies and reach back out. Well they never did and they bankruptcies are still here on my credit almost two years later of me trying to handle this. Now I did get a response from XXXX and they did remove all the bankruptcies off my credit file. Its XXXX and Tranunion who has not responded. These are the bankruptcy case numbers XXXX, XXXX, XXXX, XXXX and XXXX. I even went back down to the Bankruptcy Court in the federal Building for a second time just in case the previous lady gave me misinformation. They guy at the counter asked for my social security number and he stated the exact same thing the first lady said and that I am not in their system. Please have XXXX and Transunion to remove all those bankruptcies off my credit.

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 2023-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I incurred {$640.00} in insufficient funds fees in 2022, {$66.00} in XXXX, and {$230.00} in XXXX. I have called several times and spoken to representatives about getting the fees reversed. I was told by one person that they would submit a request for the reversal of the fees but the reversal was denied. I then called again and was told that I get six reversals a year and that I have already used those six. I have spoken to a " supervisor '' on one occasion and told there were not supervisors available on another.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-17 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: FL

Complaint narrative:
In accordance with Fair Credit Reporting Account # XXXX Dept of EDXXXX, XXXX XXXX Dept of ED/XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dept of ED/XXXX, # XXXX Dept of Ed/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 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 2023-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX I put a downpayment of XXXX on a whiskey mink coat at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, Il XXXX. I would than make several more payments on XX/XX/XXXX for XXXX, on XX/XX/XXXX, XXXX made another XXXX debit card transaction on XX/XX/XXXX all of my payments were made with my BOM Mastercard debit card. Then on XX/XX/XXXX I paid the remaining amount of XXXX. That coat was paid for on that date and an appraisal was typed up and I was to pick up the whiskey mink coat on XX/XX/XXXX. However, I saw a black sheared mink with chinchilla collar. So, I canceled the whiskey mink and the appraisal document was given back to the merchant. 

I had to pay an additional XXXX. The merchant said that he didn't know when he would have the coat. This he said after he debit my account. It was a special order. Not knowing when I would receive my coat, I returned several time and each time no coat. So after 28 days I filed a dispute with the card issuer, BMO Harris. After 40 days, they denied me a chargeback on XX/XX/XXXX. 

The bank denied me a chargeback because the merchant showed videos of me paying with my debit card. I was paying on the layaway but I never received the coat. I never signed the space on my copy of the receipt date picked up line. I never signed an appraisal for insurance purposes. I never told the bank that it was fraud, but I did tell it that I never received the coat totally XXXX. I have the unsigned receipt showing the money amounts and a unsigned pickup date. Please address my concerns.

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 2023-02-17 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: GA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX : {$38000.00} ; XXXX XX/XX/2023.

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 2023-02-17 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: NY

Complaint narrative:
Fraudulent Account

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 2023-02-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Fraudulent Account

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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Personal information is incorrect on my credit report, too many names and different address are tagged with incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
I was going to buy an Outlander through XXXX to a person under the name of XXXX XXXX, she asked me to give her {$100.00} dlls in advance, and the rest when we meet, so I sent the money trough Zelle, with this mail XXXX under the name of XXXX XXXX, and I never heard back from her again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Best Buy continues to report late payments on two accounts that I had with them with an exceptional payment history. I have recently resolved a different matter with them though they closed ALL of my accounts prior to a favorable resolution. The late payments in question are reflected in the year 2019. I have made several requests for proof of the late payments from Best Buy to no avail. Best Buy has not only ignored my requests but has erroneously " updated '' my credit report by simply moving the months in question around by a month or two.

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 2023-02-17 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX  data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXXXXXX Balance : {$5000.00} 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 2023-02-17 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: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX Balance : {$5000.00} 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