vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In 2018 i tried to open a bank account with bank of america online which was denied and i was asked to go to a branch with 2 forms of id. I went to a branch with id and account was opened.I am a current memeber of bank of america. When trying to open other bank accounts i kept being denied. I got a copy of my XXXX  report which says i have a account closed for fraudulent activty. I contact Bank of america several times with no reason why the account shows closed for fraud. i have contacted and disputed with XXXX  to no avail.Bank of america cant tell me anything and niether can XXXX  mean while the only one to suffer is the consumer.They do not verify information properly and there is no way for the company that reported the item and the agency reporting to even verify. Then they ping pong you back and forth.

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 2023-05-31 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Basically, I was tricked by this man who claimed to be an orphanage collaborator, he had me buy him some items that to my knowledge was for kids in an orphanage somewhere in LA according to him. He told me that if I helped him buy the kids some things he would pay off my credit card fully so I believed it and I got him his first order of two XXXX and a XXXX card, I didnt ship these items out until after he paid off my debts. He had send me his bank account number and within 24 hours The payment was processed. fast forward one week later I got an email stating that the payment didnt go through after all and that I need to contact my bank. so basically, this guy scammed me and when I messaged him asking him about, why is the email saying that, he simply blocked me. I didnt think it was a scam at first because it did process in the first place and also he didnt block me as soon as I shipped out the items like he couldve, he kept replying to me for a whole week straight and had me buy him a lot of gift cards for the kids supposedly. At this point, I havent even met him only talked on the phone and I asked him to send me some pictures of him and the orphans to verify, and he actually sent me that, so I really had no reason to not believe him, I got scam so bad I have his address he had me shipping these XXXX to some donation collector in XXXX Georgia who supposably collected and sent everything to the orphanage from there Luckily, the last package I had sent out on Friday still hasnt been delivered so I was able to get them to ship it back to me, and hopefully I will be able to get a full refund for the items. The website I used was XXXX  and they need to have better verification processes to protect gullible individuals like myself especially on a dating website like that this shouldnt be happening! Now Im being left with even more jobs than I started with, I already reported the charges as fraudulent to my American Express fraud team, hopefully my issues can be resolved and I can be fully reimbursed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-31 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: FL

Complaint narrative:
XXXX  and XXXX XXXX  are both reporting a balance on my credit report. i tried fixing the issue with the credit agencies but to no avail no results. in addition the XXXX  account was fraudulently opened in my name. ive been trying to reach XXXX  via phone and email to send in my fraud affidavit but whenever i give them my information they tell me that they cant find an account. i would like for both companies to cease reporting incorrect negative information on my credit reports. this has been an extremely stressful process!

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 2023-05-31 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: CL Holdings LLC
State: FL

Complaint narrative:
XXXX  and jefferson capital are both reporting a balance on my credit report. i tried fixing the issue with the credit agencies but to no avail no results. in addition the XXXX  account was fraudulently opened in my name. ive been trying to reach XXXX  via phone and email to send in my fraud affidavit but whenever i give them my information they tell me that they cant find an account. i would like for both companies to cease reporting incorrect negative information on my credit reports. this has been an extremely stressful process!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The issue is causing me significant distress and anxiety, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible.

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 2023-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: MI

Complaint narrative:
I received a letter from American Cordaius International stating that I owe XXXX a {$30.00} debt as of XX/XX/23. I don't have a debt on my XXXX and in fact have a {$100.00} credit. The account is also linked to my bank and credit card and hasn't shown up on my XXXX Credit report. I am waiting to hear back from XXXX but I am not sure how to proceed as it appears my information ( name and address ) is available online, but not sure what else. 

A photo of the letter is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated
State: MI

Complaint narrative:
In Accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 CONSUMER ADJUSTMENT COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXAccount # XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One states that I owe an alleged debt for a credit card. I told Capital One that I do not owe them any alleged debts and that they did not provide any documents that was clear and obvious for me to make an informed decision for an agreement. I demanded to " Opt Out '' of them sharing my information to everyone and for them to properly validate this alleged debt. They ignored me by not validating the alleged debt and continuing to share my private information Capital one stated that they do not have documentations for the agreement, that means they are sharing false and misleading information about me to third parties including credit reporting agencies. See attach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-05-31 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: NC

Complaint narrative:
XXXX XXXX XXXX Credit card opened XX/XX/XXXX, closed XX/XX/XXXX Amount : {$280.00} I contacted the bank to try to resolve the matter but was told nothing could be done. 

XXXX XXXX XXXX The credit card opened in XX/XX/XXXX, Closed in XX/XX/XXXX, XXXX late payments were reported in XXXX and XX/XX/XXXX I contacted the bank to try to resolve the matter but was told nothing could be done. 

XXXX XXXX XXXX  The credit card was opened in XX/XX/XXXX and is still open Two late payments were reported in XXXX and XX/XX/XXXX I contacted the bank to try to resolve the matter but was told nothing could be done. 

XXXX XXXX XXXX XXXX The loan opened in XX/XX/XXXX, Loan closed in XX/XX/XXXX XXXX late payments were reported on XX/XX/XXXX, and XX/XX/XXXX I contacted the bank to try to resolve the matter but was told nothing could be done. 

XXXX XXXX XXXX XXXX The loan opened in XX/XX/XXXX and closed in XX/XX/XXXX XXXX late payments were reported for XXXX, XXXX, XXXX of XXXX, and XXXX of XXXX I contacted the bank to try to resolve the matter but was told nothing could be done.

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 2023-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
XXXX called from Wakefield & Associates and immediately 3rd party disclosed that it was regarding a debt without proper verification. I have not received any written notification to validate the debt, no chance to dispute. XXXX refused to identify with first and last name as required by FDCPA. This is not the first call I have received, I had received a previous call where an agent verbally abused me and hung up on me. I do not know what kind of debt this pertains to as I have not received any type of written debt validation Notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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:
On XX/XX/XXXX I submitted a complaint to TransUnion about multiple inaccuracies on my credit report. They received my complaint and on XX/XX/XXXX acknowledged that there was a dispute of information appearing on my credit report. I asked them to remove all accounts with inaccuracies as a fair resolution but they decided to update the information on my file. Although they claimed to update the information on my credit profile they didnt actually update the information. My credit report as of XX/XX/XXXX has the same inaccuracies from XX/XX/XXXX. TransUnion didnt take the necessary steps to actually update my credit profile with accurate information nor did they remove it per my request. 


According to 15 U.S. Code 1681 ( b ) It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Also according to 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-05-31 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: EQUIFAX, INC.
State: DC

Complaint narrative:
There was a fraudulent application submitted with my information that is inaccurate on my Equifax report from XX/XX/2022. 
I called Equifax and the institution ( XXXX XXXX ) to remove this inquiry from my file and it has been over 1 year. Equifax continues to say that I need to have the institution contact them or send something in the mail and this institution keeps telling me that they already did because it was fraudulent. Equifax continues to say they did not receive anything and this inquiry is STILL on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I identified XXXX unauthorized transactions for XXXX XXXX for {$10.00}, on XX/XX/XXXX and XX/XX/2023, under my PayPal account. 

I had no memory of these transactions, so I suspected they were unauthorized. I filed a claim with PayPal, and they got back to me told me that I authorized the charges, which was not true. I know this because I have not used XXXX  in around XXXX years, and I had contacted them - they had no record of anything under my name or email address for this purchase. 

With this information, I attempted to escalate the issue with PayPal, requesting the documents they used to come to this decision and they denied my claim once again, this time putting words in my mouth, stating : " You previously indicated that you authorized this payment agreement but youre unhappy with the terms of your agreement. As a result, were unable to consider this to be an unauthorized payment. " When I clearly stated in an email : " My claim was denied for unauthorized activity because you all are saying there's no evidence of it and that it's my purchase that I'm just unhappy with. That's just not true. '' They also additionally did not provide the documentation that they used, as promised. 

I attempted to escalate the issue further over the phone, and came to a dead end again. 

When I had explicitly stated :

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MN

Complaint narrative:
On XXXX I requested a reinstatement letter. XXXX I called because I had XXXX dollars of XXXX but would not have the full amount by the due date of XXXX. They accepted a payment of XXXX XXXX dollars over the phone. I then had to ask for a new reinstatement letter which I received and it showed XXXX. The payment of XXXX was sent. I received a phone call stating my payment of XXXX over the phone was no good. I then had to wait until they returned my funds through the mail by check. I then cashed my check and wire transferred the funds at XXXX the day my second reinstatement payment was due I made three phone calls that day trying to communicate this on XXXX. I made a follow up phone call to my mortgage company on XXXX to find out my check of XXXX was being returned but that they could keep the XXXX I wired transferred and would have request yet another pay off statement. I recieved the pay off statement of XXXX with the XXXX XXXX wire transferred unapplied. 
I have requested an itemized list of all payments charges and any fees with any notes attached to my account because I would like to know how my reinstatement went from XXXX to XXXX in XXXX months when my mortgage is XXXX each month. When all errors were made on there end. My entire familys livelihood has suffered because of mistakes made by Carrington Mortgage. I have only received XXXX phone call since I have made the request via email of all fees charges and payments made between the dates of XXXX and XXXX with any notes that are attached to my account number and was not assured anything at the end of that phone conversation. I have exhausted all resources and can not afford to hire an attorney. I was planning on using the remainder of funds XXXX to pay on other debts and be sure to make my mortgage payment XXXX which I am short XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: IL

Complaint narrative:
XXXX. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: OH

Complaint narrative:
Someone is using my identity and openeing fraudulent accounts in my name. Credit bureaus are reporting phone numbers and addresses that I never been associated with. I have alot of inquires on my report that I dont recognize. My credit report looks very horrible and this is defamation of my character. I am more responsible than what the credit bureaus are making me look.

Company response to consumer: Closed with explanation