vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-07 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: VA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX  XXXX Bankruptcy Discharged Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} 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 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 2023-10-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX As I had an appointment time XXXX I XXXX Wells fargo bank XXXX XXXX XXXX They made me waiting over30min time is money I got banker man XXXX I show him ID bank other statements Debit card and asked open account of Wells Fargo, he asked me job XXXX XXXX answered I work at XXXX got XXXX calls that time I couldn't answered some calls but I realized I spent XXXX at the bank I had to go for work. 
I asked him please faster and how min I left for done, but this dark skin XXXX hair man not happy for that but they wasted my time XXXX for waiting even if I had an appointment. 
I had to say I have to go after he came back from processing my ID and Debit card for copy room. 
He said " OK bye bye '' for good. '' I was wondering simply bye bye and gave my ID back so. I was plan come back another time and next day I got XXXX mail XXXX appointment and I made an appointment XXXX XXXX of XX/XX/2023 again with other email and different phone number because they canceled again again when I was heading that location. 
I found out their computer screen shown my ID photo and Debit card As a blocking As a customer. I was talking manager she said I can't opening account forever this Wells Fargo but go other bank and ask. That's shocking me still. What did wrong? Why they have my XXXX still even if I m not opening account and why can't verifying my status? 
I have no problem they treated me as a criminal ID and Debit card on their computer system as a blocking something can't open Wells Fargo forever WHY? It's so mad me and depressed and shocking. 
They have no right to have my DATA on their computer system blocking photo treats.i want remove all my ID PHOTOS AND DEBIT CARD PHOTO.

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 2023-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
We called Bank of America on XX/XX/2023 after receiving a letter about unauthorized escrow payments to insurance company ( s ) that we did not authorize. 
We cancelled a policy with XXXX XXXX on or between XX/XX/2023 and XX/XX/2023 ( My husband has the email ). verbally and via email.. 
I we also informed XXXX XXXX that we cancelled and secured other home and auto insurance. 

We spoke with Bank of America, which is our mortgage payment servicer, today XX/XX/2023 We did not authorize XXXX XXXX to renew our policy as BoA ( Bank of America ) informed me that this change of insurance, from XXXX of XXXX, which we changed on XX/XX/2023 for our home and auto policy, was placed in effect on XX/XX/2023 and was also made retroactive back until XX/XX/2023 after XXXX XXXX contacted Bank of America to make these changes. 

Bank of America also stated that this policy was activated XX/XX/2023 and they sent a payout to your offices on XX/XX/2023. 
We did NOT authorize Bank of America nor XXXX XXXX to make these changes nor did we renew our insurance policy with XXXX XXXX. 
Our policy with XXXX of XXXX  has been in force for our home and auto insurance since XX/XX/2023. 

Upon speaking with the Bank of America Representative, XXXX, she did acknowledge that the XXXX policy was in effect on XX/XX/2023. 
She said Bank of America made the change and removed our XXXX XXXX on XX/XX/2023 and they placed XXXX on the home insurance policy on that same day without our authorization. 
The Bank of America representative ( XXXX XXXX also said that our mortgage payment would be increased to cover the policy that XXXX had placed in force, without our consent or authorization. 

XXXX also said the call that we/my husband had with her today was recorded and the recording item number is XXXX. 

She also stated that their was no information that she or Bank of America could send to me or my husband the the recording number is all I could get. 

She admitted the changes to the policy were made and that she could find no authorization from me or my husband XXXX that we authorized these changes. 

The remedy for this is that XXXX XXXX and Bank of America need to reimburse me and my wife XXXX for this fraudulent transaction, breech of contract and credit and insurance fraud that occurred without our express verbal or written authorization to continue this policy which should have been cancelled XX/XX/2023 - XX/XX/2023, as we did not pay XXXX XXXX for coverage.

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 2023-10-07 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: VA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXX* Balance Owed : {$3.00}

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 2023-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays Bank has an account still opened that I never was associated with. I never gave my consent to anyone to use my information to open this fraudulent account. Only I can determine what is fraudulent under law and this is account has never been associated with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual 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 non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I disputed a pending charge on my Citi/AAdvantage XXXX XXXX XXXX XXXX XXXX XX/XX/23 for {$2000.00} as I did not make or authorize the charge. I formally disputed the charge on XX/XX/23 and provided all relevant information. The agent informed me that the charge had been made over the phone and not swiped. 

On XX/XX/23, I was advised via the app that I would be responsible for the charge and no credit would be provided. 

This is NOT acceptable and I expect Citi to provide evidence I made this charge along with providing an acceptable credit as soon as possible including all applicable finance fees.

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 2023-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I hope this letter finds you well. I am writing to express my dissatisfaction and concern regarding the recent attempt to rectify the late open accounts associated with Credit Bureaus. This is the second time I am addressing this issue, and I am disappointed that the problem remains unresolved. 

I initially contacted your company to report several discrepancies in my account statement. These discrepancies primarily revolved around accounts that were inaccurately marked as late, despite my consistent and timely payments. After a lengthy exchange of emails and phone calls with your customer service department, I was assured that the matter would be investigated, and the inaccuracies would be corrected promptly. 

Unfortunately, despite the assurances I received during our previous correspondence, I find myself in a similar situation. My most recent account statement, continues to show late open accounts that have not been rectified. This is not only frustrating but also damaging to my credit score and overall financial well-being. 

I have attached copies of my previous correspondences with your company, as well as the account statements that clearly demonstrate the ongoing issue. It is essential to reiterate that these discrepancies are not a result of any negligence on my part, but rather an error on the part of your company 's accounting department. 

I request that you take immediate action to investigate and correct the inaccuracies in my account statement. I understand that errors can occur, but it is crucial that they are rectified promptly and effectively to ensure the accuracy of my financial records and the integrity of my credit report. Additionally, I kindly request that you provide me with a written confirmation once the corrections have been made. 

Furthermore, I would appreciate an explanation of the steps your company is taking to prevent such errors from occurring in the future. Timely and accurate account statements are vital for maintaining customer trust and satisfaction. 

If this matter is not addressed promptly and resolved to my satisfaction, I may have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for tour immediate assistance to correct the following late open accounts : XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX  Balance : {$9900.00}.

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 2023-10-07 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: MS

Complaint narrative:
I hope this letter finds you well. I am writing to express my dissatisfaction and concern regarding the recent attempt to rectify the late open accounts associated with Credit Bureaus. This is the second time I am addressing this issue, and I am disappointed that the problem remains unresolved. 

I initially contacted your company to report several discrepancies in my account statement. These discrepancies primarily revolved around accounts that were inaccurately marked as late, despite my consistent and timely payments. After a lengthy exchange of emails and phone calls with your customer service department, I was assured that the matter would be investigated, and the inaccuracies would be corrected promptly. 

Unfortunately, despite the assurances I received during our previous correspondence, I find myself in a similar situation. My most recent account statement, continues to show late open accounts that have not been rectified. This is not only frustrating but also damaging to my credit score and overall financial well-being. 

I have attached copies of my previous correspondences with your company, as well as the account statements that clearly demonstrate the ongoing issue. It is essential to reiterate that these discrepancies are not a result of any negligence on my part, but rather an error on the part of your company 's accounting department. 

I request that you take immediate action to investigate and correct the inaccuracies in my account statement. I understand that errors can occur, but it is crucial that they are rectified promptly and effectively to ensure the accuracy of my financial records and the integrity of my credit report. Additionally, I kindly request that you provide me with a written confirmation once the corrections have been made. 

Furthermore, I would appreciate an explanation of the steps your company is taking to prevent such errors from occurring in the future. Timely and accurate account statements are vital for maintaining customer trust and satisfaction. 

If this matter is not addressed promptly and resolved to my satisfaction, I may have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for tour immediate assistance to correct the following late open accounts : XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX  Balance : {$9900.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 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: NY

Complaint narrative:
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), it appears that there are some inconsistencies and incomplete information among the three major credit bureaus ( XXXX, XXXX, and Equifax ) : Account Number : XXXX and XXXX do not provide an account number. 
Equifax reports an account number that is partially masked as " XXXX XXXX' Account Type : All three bureaus report an " Open Account '' as the account type. 
Account Type - Detail : All three bureaus report " Open Account '' as the account type detail. 
Bureau Code : All three bureaus report " Individual Account '' as the bureau code. 
Account Status : Equifax reports " Notsatisfying F20_TRADE '' as the account status, which is not reported by the other bureaus. 
Monthly Payment : Equifax reports a monthly payment of " {$0.00}, '' while XXXX and XXXX do not provide this information. 
Date Opened : Equifax reports a date opened of " XX/XX/XXXX, '' while XXXX and XXXX do not provide this information. 
Balance : Equifax reports a balance of " {$2000.00}, '' while XXXX and XXXX do not provide this information. 
High Credit : Equifax reports a high credit of " {$2600.00}, '' while XXXX and XXXX do not provide this information. 
Credit Limit : Equifax does not report a credit limit, while XXXX and XXXX do not provide this information. 
Past Due : None of the bureaus report past due information. 
Payment Status : Equifax reports " At least 120 days or more than four payments past due '' as the payment status, which is not reported by the other bureaus. 
Last Reported : Equifax reports a " Last Reported '' date of " XX/XX/XXXX, '' while XXXX and XXXX do not provide this information. 
Date Last Active : Equifax reports a " Date Last Active '' of " XX/XX/XXXX, '' while XXXX and XXXX do not provide this information. 
Date of Last Payment : None of the bureaus report a date of the last payment. 
Two-Year Payment History : Equifax reports `` OK '' for most months, with one instance of " CO '' ( which typically means charge-off ). XXXX and XXXX do not provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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: DE

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX these companies completed Hard Inquiries on my account, has violated my rights. I did not authorize these inquiries and want them removed. 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. 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 2023-10-07 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: DE

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 XXXX and 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 2023-10-07 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: MA

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 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 Balance : XXXX XXXX XXXX XXXX  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 2023-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$3.00}

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 2023-10-07 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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$3.00}

Company response to consumer: Closed with explanation