vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-25 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: FIRSTBANK
State: CO

Complaint narrative:
XXXX XXXX through an email ( XXXX ) said that a subscription is being renewed. I never signed up for this or asked for it. They are charging {$410.00} and are saying that the charge is going to show up in my bank account. They say that the Product Name is XXXX XXXX XXXXXXXX. I don't know what this is.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This account was closed in XXXX, not XXXX. This is too old to be on my credit report and needs to be removed. I have disputed this multiple times and they're reporting the incorrect dates, and incorrect amounts on my credit report, for over 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: FL

Complaint narrative:
I reviewed my comsumer reports and noticed that I had XXXX late payments on an account that was never late for consumer reporting agencies have assumed a vital role and I have a responsability to report consumer information to the best of their abdity with maximum accuracy I have never been late on payments for the account ( XXXX XXXX XXXX ) ( XXXX ). Please investigate and provide proof with statements showing that these payments were late, If proof can '' t be provided I demand these payments be update to on time as they should be as never late. Thanks.

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 2024-04-25 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-04-25 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: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXXDate of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/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 2024-04-25 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: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXXDate of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received a targeted email offer from Chase Bank on XX/XX/XXXX. The email advertised that if I open a checking and savings account with them at the same time and completed a direct deposit I would receive {$300.00}, I would receive {$200.00} for depositing $ XXXX in savings account and holding it for 90 days and an additional {$400.00} for opening both at same time and completing required activities. I opened both accounts on XX/XX/year>, and set up direct deposit and deposited $ XXXX in the savings account. It has now been a couple of weeks since my first direct deposit went into the checking and noticed that I have not yet received the {$300.00} bonus. I inquired with chase, and they claim that I never enrolled using the promotion and I am ineligible for the offer. I provided them with the screenshots of my targeted email promotion, the coupon code I used and everything they asked for and told me that I am now ineligible for the offer because I did not reach out to them within 21 days of account opening. Although I applied through the email link. I researched this issue online and it seems that this is happening to many other customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2024 I deposited a cash of amount {$7500.00} to BOFA XXXX ID # XXXX on the following address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. It was the payment for the kitchen cabinets sold by our kitchen store. The client brought cash because he needed his kitchen asap. At XXXX pm while I was deposited the money, the ATM stopped working. The following error was showing : We're sorry, this ATM is temporary out of service. I have attached a picture of the screen. I immediately checked my bank account and saw that the deposit did not get proceed to my account. I went to the bank and ask the advisor what to do. Unfortunately, they did not help me much, they said that ATM is a third party, and they can not help me. I called to the phone number on the ATM machine to make a claim. The claim advisor said that investigation will take up to 10 days but in next XXXX hours they will credit this money to my bank account until investigation will be resolved. Next day I called to the claim department and the other advisor told me the completely different info. She said that if in 10 days they would not investigate it, they maybe will credit this deposit after 10 days. These money is clients ' money. We're a retail store and I have to order the kitchen for my client the same day. If I would not, he would like to get a refund. This ATM just ate my money, and no one can help me. The claim advisors were rude and completely and unhelpful. This is a big money for my company and this situation can ruin our business. I'm feeling very unsafe to work with BOFA in the future. Please help me to get my money back asap. Thank you

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 2024-04-25 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: FL

Complaint narrative:
I reviewed my comsumer reports and noticed that I had XXXX late payment on an account that was never late for consumer reporting agencies have assumed a vital role and I have a responsability to report consumer information to the best of their abdity with maximum accuracy I have never been late on payments for the account ( XXXX XXXX XXXX ) ( XXXX ). Please investigate and provide proof with statements showing that these payments were late, If proof can '' t be provided I demand these payments be update to on time as they should be as never late. Thanks.

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 2024-04-25 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: OH

Complaint narrative:
This is a formal dispute of information and reporting. I formally exercise my rights as a consumer to request that you only report True, Factual, Correct and Current, & verified information and I request that any deficiently reporting information be released and dismissed at once. I DEMAND In this lawful request I DEMAND that you initiate a complete investigation of the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid, or not. 
I demand you prove beyond doubt your claims ( s ). 
This XXXX item is deficient as reported, as above-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO XXXX  FORMAT compliance since, per XXXX XXXX XXXX Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
Please delete the follow : 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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account name XXXX XXXX XXXXXXXX I recently received a copy of my credit report and found proof that your are illegally reporting inaccurate information about me .The following alleged charge off account is not only listed as being open, but also as having a past due balance of {$380.00} this is a violation of requisite metro 2 compliant reporting standards.

According to the fair credit reporting act I have a right to completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 
Please IMMEDIATELY remove this account XXXX XXXX XXXXXXXX from my credit report and send me an updated report showing your compliance with all metro 2 reporting standards and this account removed upon completion Sincerely 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 2024-04-25 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alorica Inc.
State: LA

Complaint narrative:
A debt collection company by the name of SST is claiming to be a loan servicer when they are debt collectors. I did not receive enough information to from this company in order verify the validity of the debt they claim I owe. This company has violated several sections under the Fair Debt Collection Practices Act. False and misleading representations and failure to cease all communication and collection activity being the significant XXXX. The company is deceptive and dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I want to have all inquiries deleted immediately because I did not authorize these companies to run my credit and it is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I disputed a transaction from XX/XX/2024 for XXXX. I disputed the transaction XX/XX/XXXX XXXX XXXX XXXX an XX/XX/XXXX XXXX number XXXX. The bank has denied all my claims after receiving a tracking number of refund of the amount that was charged to my account, that I did not approve. The bank basically said I did business with them so it's my loss. I did do business with them I agreed to 6 months of service the pouch insurance automatically charged my card for 6 months of a renew service on XX/XX/XXXX, that I did not approve of. XXXX did try to make right refunding my money an providing tracking number XXXX of refund.Truest claims it was kicked back because the card was canceled and XXXX said it is finalized and it has clear and it's up to the bank to track my money. Truist refuses to find my 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 2024-04-25 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: TX

Complaint narrative:
Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

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 2024-04-25 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: TX

Complaint narrative:
Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

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 2024-04-25 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: FL

Complaint narrative:
Greetings, i recently got a copy of my credit report and noticed fraudulent activity.

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 2024-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX I attempted to open an account on offer sent to me by Capital One. After processing the online application the system has stopped by requesting me to provide an ID. Subsequently I was sent a link which did not work and when I requested assistance to the number provider in the message, it was communicated that XXXX ( bot? ) is not available for my account to offer assistance. The message also stated that I will be contacted after XXXX business days in case the ID is still not provided. I was not contacted and when I called today ( XX/XX/XXXX ) to offer to provide the ID ( I requested email address with a reference # to send it to ) the XXXX customer service was unable to offer any assistance. Furthermore when I gave them my SS # I was told that the application was already closed. Also the application ID number provided # XXXX was not helpful as I was told it is completely useless to them as they can not reference it. Subsequently I asked to speak with the US customer service and I was also not helped and given vague pleasantries instead. When I asked for a supervisor I was put on a long hold approx XXXX min ( the whole call was about XXXX ) just to be told the message from a supervisor that I need to go through an account opening process all over again. In other words the Capital One wasted my time. 
Here are some questions : 1 ) Why providing customer a reference number for account ( # XXXX ) which is not internally referenced to anything? 
2 ) Why set up an online application system which has so many bugs before going live that it doesn't do what is designed to do?

3 ) Why the company employees do not have a concept of basic courtesy and respect to customers and talk over them instead of offering practical help? 

Since the CSRs are not properly trained to offer assistance why they simply can not refer to someone who can offer help that can instead of wasting someone's time and resulting aggravation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: NV

Complaint narrative:
" Your agency is in violation! 
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.

Delete this at once! '' DP OF EDUC - XXXX DP OF EDUC - XXXX XXXX XXXX - XXXX {$5700.00} XXXX  - XXXX {$5700.00} 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Please be advised that you are reporting the wrong address information on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit reporting properly.

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 2024-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

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