vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
According to the FCRA you are in violation of code 15 USC 1681 ( A ) ( 2 ) for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IL

Complaint narrative:
I closed my Chime Account in XXXX. I've had refunds sent to that CLOSED account in XXXX I've reached out via email and phone calls trying to get my funds.. I've spoken with Chime members and specialties regarding my refund check and i've been given the run around. I was told via email that i had to verify my email address through the Chime App & that's not possible because as of XX/XX/XXXX i don't have access to the Chime account i once had... which is crazy because again, its my MONEY and if i no longer bank with Chime, how will i b able to access my account to verify, update or do anything to my account if i no longer bank with Chime.. its ridiculous how they are handling me and this situation. I got emails and CASE numbers from the Chime members I've spoken with.. How do i get my money back? Chime isnt trying to pay my money thats OWED to me! this process has been on-going since XX/XX/XXXX... I've been looking for my refunds & its just sitting in a CLOSED ACCOUNT! How do i get my money! What DO I DO????

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: TX

Complaint narrative:
on XXXX, i sent letters requesting information to be deleted because it's not reporting 100 % accurate and complete by the FCRA law, per 15 USC 1681e ( b ) and the CRAs haven't deleted them from my credit report. also some outdated items as well.I attached a copy below for your reference.

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 2024-04-20 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: IL

Complaint narrative:
I review my credit report and see the information you are reporting are inaccurate. I want to provide accuracy correct information on my credit report. If not please remove it from credit report. I have proof of inaccurate information. XXXX XXXX  account is showing two different account on two different credit bureaus. XXXX XXXXXXXX is not reporting on XXXX but it show one 30day late payment, one 60day late payment, three 90days late payment please remove this account. Also XXXX XXXX XXXX is showing inaccurate on payment history and the amount balance. XXXX XXXX  is not reporting on any other bureau but equifax but show no late payment but 90day how do you skip 30 and 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: IL

Complaint narrative:
I review my credit report and see the information you are reporting are inaccurate. I want to provide accuracy correct information on my credit report. If not please remove it from credit report. I have proof of inaccurate information. XXXX XXXX account is showing two different account on two different credit bureaus. XXXX XXXXXXXX is not reporting on XXXX but it show one 30day late payment, one 60day late payment, three 90days late payment please remove this account. Also XXXX XXXX XXXX is showing inaccurate on payment history and the amount balance. XXXX XXXX is not reporting on any other bureau but XXXX but show no late payment but 90day how do you skip 30 and 60 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 2024-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kovo
State: OH

Complaint narrative:
In XXXX of XXXX I noticed this fraudulent account on my credit report I immediately notified the company that it was not mine Ive tried several times to work this out with the company requesting proof of the application along with my signature associated accounts etc The company has been reluctant to provide and data or documentation supporting this account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Dear CAPITAL ONE, Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer, may have given you, written, unwritten, verbal, and nonverbal Per 15 USC 6802.

ACCOUNTS : Capital one auto {$5400.00} closed, Capital one {$350.00} Closed, Capital One {$990.00} closed,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: IN

Complaint narrative:
I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. According to the fair credit act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my report, they are hurting my ability to obtain credit. I do not recognize these accounts or authorize these accounts. In accordance with the Fair Credit reporting act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. One more thing according to the 15 USC 1681s-2, A persons shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. These accounts are listed below. 

XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
After two complaints and repeated disputes, my report still contains the disputed 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 explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
After two complaints and repeated disputes, my report still contains the disputed 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 explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Banks that issue general purpose credit cards defraud the public as follows : The banks charge extremely high credit card interest fees which is only one segment of this issue. 
Banks do not pay any form of interest however to credit card holders on overpayments or earned " cash back '' dollars that may be sitting in banks for long periods of time until the rewards are re-deemed. This is in fact simply more abuse by the banking system and it can be resolved easily. 
Remember I am only talking about earned rewards dollars that can ultimately be redeemed as cash from the bank. Generally speaking these are promotional incentives and sound like this, " Earn 3 percent back on all purchases '' or something similar. 
Certainly, banks should not have to pay interest such as what they charge for purchases however, they could pay the basic interest rate that is applicable for their savings account and this is in the range of 3-4 % these days. 
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 explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I filled a report last XXXX because this car dealership sold me a lemon car had many problems after I had 3 months with it the shop screwed me over and sold me a car that had multiple problems and lobel finance company finances this car and they keep contacting me about this when the car already got repossessed I let it go. I dont u destined why they keep contacting about owing money on a car I let go and they XXXX XXXX XXXX  for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OZK

Complaint narrative:
On XXXX I sent a wire transfer of {$27000.00} XXXX to XXXX XXXX who held an account at Bank OZK near XXXX, XXXX. The money was supposed to go to XXXX trading platform via XXXX. My sending XXXX XXXX XXXX said the money had been processed by Bank OZK XXXX but XXXX XXXX, XXXX XXXX XXXX said the money never arrived. I contacted OZK twice by letter, and twice by phone, but they offered no solution to this problem. I have the wire transfer receipt in my possession, but the money has gone missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
Im not liable for this debt with XXXX XXXX XXXX. I dont have a contract with lockhart morris and Montgo . They did not provide me with the original contract as requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
We inherited the checking account and were told at the time that maintaining a {$1500.00} balance would allow us to avoid the bank 's {$25.00} a month annual service fee on the checking account. This year we come to find for this calendar year we have been charged for each month, though the account balance has been above {$1500.00} each month. To this US Bank replied that as a Premier account, with a combined balance of less than XXXX, the fee is in effect. So, we had them change the account to the one with the {$1500.00} balance threshold. Point : it would have been nice to have been informed that our bank was about to begin charging us {$25.00} a month for an account we have never had to pay a fee on due to maintaining a checking balance of {$1500.00} or more. In effect, I feel as though US Bank has stolen my assets for at least the last 4 months.

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 2024-04-20 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: OK

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Dear Credit Bureau : My correct name is XXXX XXXX. 

My correct address is XXXX XXXX XXXX, XXXX GA XXXX. 
There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.

Please promptly remove all other names and addresses. These other forms of my name are not correct historical data. Therefore, they must be removed. 
Sincerely, 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 2024-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I went to Wells Fargo bank brunch with my ID with appointment many times before in regard to ask them to correct the issues in my account but they said that customer services are not available for that certain time and I did not received assistance, and last time when I went to Wells Fargo at the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the costumer service said that your account is blocked and they can not provide any information to 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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to the FCRA you are in violation of 15 USC 1681 ( A ) ( 2 ) for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates.

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This is actually a series of events. The first one 's resolution led to the second, which hasn't been resolved yet. On XX/XX/XXXX, a fraudulent charge of {$10.00} was placed on my credit card. I contacted Wells Fargo fraud department, they reverted the charge, and issued a new credit card to me. On XX/XX/XXXX, Wells Fargo started incorrectly reporting the old closed account as " charged off '' to XXXX and later XXXX. They reported that I owed Wells Fargo {$10.00} in overdue payments and the debt was written off, assigning me the responsibility and negatively impacting my credit score, while the whole time it was a fraudulent change I reported almost immediately. A representative told me that Wells Fargo tried to get the money from the merchant but failed, and so decided to put it back on my account. 

I contacted Wells Fargo, XXXX, as well as XXXX. In about a month 's time, the closed account was removed from my credit reports and my credit score was back to normal. I thought all is resolved, but this is only half the trouble. 

While the closed account was removed, my new account ( the one that was reissued after the fraud ) was also removed from my XXXX account. XXXX told me on XX/XX/XXXX that the " reporting member '' is not providing information for this account. I contacted Wells Fargo on XX/XX/XXXX but it has been unresponsive since.

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 2024-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I'm submitting this complaint in reference to KOHLS/CAPONE  knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof *TO SEE* Valid Authorization/proof of alleged debt. Report without valid proper discloser requirements are in direct violation of my consumer rights. I, XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulations by FTC us 641, et esq

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Reporting Incorrect addresses and places of employment, addresses I have no knowledge of at all.

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 2024-04-20 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Billing Error Dispute Amount : {$2100.00} NAVY FEDERAL CREDIT UNION has refused to address the Billing Error I submitted to them on XX/XX/2024. I have not received an acknowledgement of the dispute. 

I have attached the dispute to this dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: VA

Complaint narrative:
Erroneous inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: UT

Complaint narrative:
I am writing to file a formal complaint regarding concerning practices observed with my account at XXXX XXXX XXXX XXXX ( Account Number : XXXX ). This complaint pertains to repeated misreporting and manipulation of my account status, potentially infringing upon my rights and the integrity of the statute of limitations. 

The issue at hand stems from the fact that despite the account being charged off since XX/XX/2020, it continues to be inaccurately updated as charged off on a monthly basis. This persistent misrepresentation of the account 's payment history is deeply concerning, as it creates a false impression of ongoing payment activity associated with a charged-off account. Such misreporting not only violates regulatory standards but also manipulates the statute of limitations, potentially extending the duration of legal obligations unfairly. 

I am troubled by the apparent oversight in conducting a thorough investigation into this matter, as the continued misrepresentation of the account 's status reflects a failure to ensure accurate reporting practices. This oversight has significant implications for my financial rights and obligations, and I urge your immediate attention to rectify this situation. 

In light of these concerns, I hereby request that the erroneous reporting of the subsequent account be promptly deleted. It is imperative that corrective action is taken to ensure the accuracy and integrity of my credit report and to prevent further misrepresentation of my financial history. 

I appreciate your prompt attention to this matter and request a thorough investigation into the practices observed with my account at XXXX XXXX XXXX XXXX. Please provide confirmation of receipt of this complaint and details regarding the steps being taken to address these issues. 

Thank you for your cooperation and swift resolution of this matter.

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