vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-28 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: FL

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC Section 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THESE ACCOUNTS COMPLETELY FROM MY XXXX REPORT.Accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00}, XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX : $ XXXX ; Inquiries XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date 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 explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : 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 updated to on time as they should be as I was 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 2023-04-28 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: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
On XXXX I received an email fro XXXX XXXX stating to visit the store before my loan can be approved. I was at work at this time and had no knowledge of it. I called at XXXX XXXX on XX/XX/XXXX and XXXX XXXX who then advised me to call law enforcement to report it as fraud. I called XXXX XXXX  again and XXXX XXXX who advise me to send her my police report via the email she sent attached with all requirements on XX/XX/XXXX. I received my police report XXXX because it was a corrected one from XX/XX/XXXX that wasn't filled out correctly. On XXXX I called XXXX XXXX and XXXX XXXX and she stated she will send me a relief letter in the mail in 7-10 business days but allow 60 days to be removed from my credit report. I waited until XXXX and called XXXX and XXXX XXXX. She advised me that she see the request to remove the inquiry and to allow 30 days and game me XXXX as a confirmation number. I checked my report on XX/XX/XXXX and the inquiry is still there. I called XXXX at XXXX and XXXX XXXX which told me she see the notes for the inquiry to be deleted but it still show on my credit. Now she tells me she don't see the info that XXXX XXXX sent to them for it to be deleted. I asked for a supervisor and XXXX XXXXXXXX. He advised me that XXXXXXXX XXXX reported again in XXXX and readded admission of inquiry therefore its still on my credit. I have all of the paperwork even the letter from XXXX XXXX. I just want this removed from my credit file. I can prove I was at work and no computer access to even file online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I want the inquiries deleted on all 3 credit companies it's been years since I really checked my credit report now that I checked it I noticed I have way to much inquiries that was not me authorizing any so that's a problem

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, 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: WA

Complaint narrative:
I want the inquiries deleted on all 3 credit companies it's been years since I really checked my credit report now that I checked it I noticed I have way to much inquiries that was not me authorizing any so that's a problem

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 2023-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Former bookkeeper applied for credit fraudulently under the owner 's name, social security and date of birth. Funds were withdrawn from our account illegally and we asked for it to be reimbursed. We submitted an affidavit under their direction, spoke to them yesterday and they have confirmed this loan was indeed taken out fraudulently. Unfortunately their investigation stopped there, until we spoke to them yesterday asking to be reimbursed {$8500.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: FL

Complaint narrative:
XX/XX/XXXX, I submitted a payment for {$750.00}, on XX/XX/XXXX the payment was denied for Insufficient funds. 15 days later! Later a debt collector calls me on XX/XX/XXXX, saying that I owe {$900.00} for my payment plus fees. I payed the fees and a double payment for the month of XXXX and XXXX a whole XXXX $! 

This same process repeated every month since XX/XX/2022. I have called multiple times and was told I am liable for the payment no matter how late they charge my account and that it should take at the most 5 business days to process ; but I agreed to pay on the first of every month not the XXXX. Where is my recourse as the consumer? I am on a fixed income for being a XXXX veteran and can not continue paying for Ameris Banks fraudulent charges and fees. I had to take a personal loan to cover the damages caused by Ameris. It is affecting my XXXX for mental health causing me unneeded stress. And hurting my credit score I need a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : 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 updated to on time as they should be as I was 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 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have incorrect information on my credit report. I have 2 derogatory late payments incorrectly reporting on my account. The 1st late payment is from XX/XX/2022. The 2nd late payment is from XX/XX/2022. I need these late payments removed immediately as they are incorrect. I have sent in dispute letters and tried contacting XXXX XXXX, and equifax by phone and have received no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am beyond sick of Bank of America. I have had soo many issues with this bank and the latest is extreme long holds on checks. They continue to do this and I'm a preferred rewards member ( 27 years ) but they treat me terribly. They have no rhyme or reason or a clear explanation why they hold your hard earned checks for 10 to 12 days. Absolutely ridiculous how can you pay your bills with type of relationship. BofA is fraud scary and suspicious of every move you make. I don't want to have a relationship with a bank like this. They are very spooky and they transfer that over to me ( a customer ) as if I'm scammy or doing shady business. They once held a business check for 12 days a few months ago and I said I would never trust them again. But I went on ahead and deposited my real estate broker commission check and the teller never indicated a hold. Then I saw an email saying they are holding the check until XX/XX/XXXX. This is horrible because I have to pay my mortgage today or I'll have a 30 day late on my credit report. I was counting on this money to catch up on my bills. So now! 'm scrambling to see what I can do. BofA has created this pressure on me worrying about paying my bills. I spoke to the check maker and the funds have cleared their account and the funds are more than good. BofA still refuses to release my funds or any of my funds. XXXX bank has a glaring difference in philosophy, they give you a portion of your check deposited immediately and the balance the next morning. This is with business or personal accounts. I need this check hold released immediately so I can pay my bills. If I receive a 30 day late on my credit report due to BofA over reaction, I will never forgive them. I worked 4 months to earn that commission check and I deserve my funds right now. I made a grave error depositing this check into a BofA checking account. Please release the funds!

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 2023-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: GA

Complaint narrative:
I originally opened my Chime Account so that I can move money into it and have another source for funds whenever I needed. I regularly move money into this account and it has never been an issue, but on XX/XX/XXXX, I attempted to transfer more than the allotted limit into my Chime account causing it to be locked. Ive been going through back and forth communication with this business via email and via phone and neither have made a strides towards resolving my issue. In email, every time I submitted the required documents or tried to respond to the email to ask questions to the agents they sent me the same email requesting documents again. I complied and yet those emails kept coming. Now abruptly, they told me via email that my account was closed and that I would not be getting a refund, I read the Deposit Account Agreement and didnt see where I violated and asked the company to provide further information, instead of doing so they sent the same automated email again refusing to explain why my funds were taken. To further explain my issue, I explained to Chime that the money I deposited came from my XXXX account. I received the money from. A Client for my freelance social media work and I moved some of it into that account so that my account would not be empty. I sent emails to Chime on XX/XX/2013, XXXX, XXXX, and XXXX XXXX and each time I kept getting automated messages. The support team at chime assured me that my funds would be secure but now they are telling me that they have been seized, I would like to get this issue resolved as soon as possible. The only reason why I can try to understand why they closed the account is because they said it cant be used for business purposes, however the account isnt used for that. Chime allows transfers and all I did was moved some of the funds from my account into this account. I had more than the needed amount in my main account so I moved some to chime to increase my balance which isnt a violation On XX/XX/XXXX chime emailed me and said my funds would be returned in 30 days and so for the past week or so Ive been trying to get an update on that because its almost been 30 days, well today they told me I wont be getting any refund. 

I sent a complaint to the XXXX  and in response chime said that I could reach out to XXXX but if you look at my images every time I do that I get an automated message with discrepancies in communication

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # # # # # # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
Cb indigo XX/XX/2021 constant dispute have no knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
General Obligation : Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX, with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. 
Money was transferred from my account via debit card, and through an intermediary named XXXX in the total amount of XXXX USD.

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 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : 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 updated to on time as they should be as I was 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 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have oppen accounts that are not mine and there's dep that are not mine never had a capital one card and XXXX XXXX I'm unknown about

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Freeway Funding, Inc.
State: CA

Complaint narrative:
I have oppen accounts that are not mine and there's dep that are not mine never had a XXXX XXXXXXXX card and XXXX XXXX I'm unknown about

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 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to report unauthorized inquiries and credit accounts that have appeared on my credit report. I have noticed these entries on my credit report and have reason to believe that they were not authorized by me. 

I request that the CFPB take immediate action to remove these unauthorized inquiries and credit accounts from my credit report as soon as possible. These unauthorized entries are damaging my credit score and causing me undue stress and worry. 

I would appreciate your prompt attention to this matter and your assistance in resolving this issue. Please let me know what further steps I need to take to ensure that this matter is resolved. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX Bank of America had frozen my business account and personal account. I reached out to closer department. She explained to me my account was closed due to a third party checks being deposited into my personal account and not my business account.. I explained that the funds were deposited into the wrong account and and it shouldve had my name on the check as well as my business name. The Response was I needed to call sender to request funds back, until then it will be in a holding account. XX/XX/XXXX XXXX, from Closer department. 
Im requesting for my funds to be returned to me. {$10000.00}. 

Also while my account was frozen Bank of America allowed for funds to leave my account without my consent a month after my account was frozen. I would like for {$680.00} be also refunded 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 2023-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VELO LAW OFFICE
State: IL

Complaint narrative:
In 2015 a judgment was taken out against me and someone I co-signed for. The company VELO law office has refused to go after the original signer of the debt and refused to give me information regarding the debt unless I provide them with my location. I called them on XXXX to get more information regarding the debt and began recording the phone call because they refused to give me more information if I didn't tell them where I was living.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX 10 POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance - Balance updated - Original balance {$34000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX CO XXXX XXXX CO XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX LEGEND Status Paid, Closed. {$37000.00} written off. 
Status updated XX/XX/XXXX XXXX balance {$34000.00} Monthly payment - Last payment date XX/XX/XXXX 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I foolishly deposited a check that I had received from an unknown person. Of course, this check came back as fraudulent. Fifth Third then froze my account for any future transactions. At the time of closing, Fifth Third returned approximately {$1100.00} to me that was remaining in the account. I then tried unsuccessfully to open a checking account at several other banks but was not able to do so. I received the Consumer Report stating that I had " uncollected funds '' at Fifth Third. After checking with the local Fifth Third branch, the banker told me that he saw NO uncollected funds against my account. He advised that they would forward the information to their corporate headquarters for review. I have been again advised by corporate that there is NO uncollected funds against my account. I have been advised that I need to file this dispute in order to clear this situation up so I can once again open a checking account and live a normal live. Please advise what needs to be done. Thank you for your assistance.

Company response to consumer: Closed with explanation