vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
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 I am writing this letter to request an investigation of the following information that appears in my Early Warning Systems consumer report. I have identified several inaccuracies that need your immediate attention and resolution. 

Bank : 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 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 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 XXXX XXXX XXXX XXXX want to clarify that I have no association with these accounts and did not provide any personal information to open them. It appears that these accounts have been opened fraudulently, without my consent. I kindly request that you investigate this matter and remove these accounts from my report. Enclosed are copies of my identification and any other supporting documents that may assist in your investigation. I would appreciate your prompt attention to this matter, as it is crucial for my financial well-being. 

Thank you for your assistance. I look forward to your timely response. 



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 explanation
Consumer complaint received 2024-09-29 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: Freedom Mortgage Company
State: NJ

Complaint narrative:
In accordance with the credit reporting act this creditor ( XXXX  XXXX ) has violate my right under 15 U.S.C. 1681 I have the right of privacy The Fair Credit Reporting Act ( FCRA ), found in 15 U.S.C. 1681 et seq., protects the privacy of consumer information, and ensures the accuracy and fairness of consumer credit reports. The FCRA applies to consumer reporting agencies ( CRAs ), which collect and sell financial and credit information about individuals In accordance with Section 2 of 1681a, consumer reporting agencies are prohibited from providing account information without my explicit written instructions. And under 15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,

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 2024-09-29 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
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  I am writing this letter to request an investigation of the following information that appears in my Early Warning Systems consumer report. I have identified several inaccuracies that need your immediate attention and resolution. 

Bank : 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 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 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 XXXX XXXX XXXX I want to clarify that I have no association with these accounts and did not provide any personal information to open them. It appears that these accounts have been opened fraudulently, without my consent. I kindly request that you investigate this matter and remove these accounts from my report. Enclosed are copies of my identification and any other supporting documents that may assist in your investigation. I would appreciate your prompt attention to this matter, as it is crucial for my financial well-being. 

Thank you for your assistance. I look forward to your timely response. 



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 2024-09-29 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: CITIBANK, N.A.
State: CA

Complaint narrative:
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 I am writing this letter to request an investigation of the following information that appears in my Early Warning Systems consumer report. I have identified several inaccuracies that need your immediate attention and resolution. 

Bank : 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 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 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 XXXX XXXX XXXX I want to clarify that I have no association with these accounts and did not provide any personal information to open them. It appears that these accounts have been opened fraudulently, without my consent. I kindly request that you investigate this matter and remove these accounts from my report. Enclosed are copies of my identification and any other supporting documents that may assist in your investigation. I would appreciate your prompt attention to this matter, as it is crucial for my financial well-being. 

Thank you for your assistance. I look forward to your timely response. 



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 explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: MD

Complaint narrative:
Processed a XXXX ' transfer to my mother in the XXXX for XXXX XXXX. Wise needed verification of some documents, which we provided so after a short delay it went through. 

Processed the full transfer amount ( repayment to my mother for some monies she lent us XXXX  in the XXXX visiting ). Transferred this and money was taken on XX/XX/18. It has now been out of our account for XXXX XXXX  and they are still saying there is a 'hold ' for verification, but they do not have any request for information or any further action. 

Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-29 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: PA

Complaint narrative:
After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports.

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The original creditor in this case would be the U.S. Bankruptcy Courts.

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 2024-09-29 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: NJ

Complaint narrative:
In accordance with the credit reporting act this creditor ( capital one ) has violate my right under 15 U.S.C. 1681 I have the right of privacy The Fair Credit Reporting Act ( FCRA ), found in 15 U.S.C. 1681 et seq., protects the privacy of consumer information, and ensures the accuracy and fairness of consumer credit reports. The FCRA applies to consumer reporting agencies ( CRAs ), which collect and sell financial and credit information about individuals In accordance with Section 2 of 1681a, consumer reporting agencies are prohibited from providing account information without my explicit written instructions. And under 15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was using a subscription company for my monthly bills and while using a negatior they told my monthly bills that I asked them for a dispute which made them reembuse my Checking account for several amounts that added up to over XXXX. I kept seeing payment reversals on my checking account I couldnt fig out why, then a day or so later my devices were cut off and I finally found a nice representative that explained what happened. I was horrified. So I went back to my checking account and sure enough it made sense what the reversals meant. So I called Chase bank and tried to explain what happened they did send me notices that they were doing an investigation, which I couldnt fig out why would they do an investigation on reversals payments that shouldnt been disputed with chase because they were my monthly bills I pay every month all the monthly bills were doing was reimbursing me because they falsely thought I was disputing my payments to therm. So as far as Chase Bank all those reversals supposed to be credits to my account that they Never Released because I watched it! When I called chase I was trying to explain to the rep that it didnt need to be investigated because they were refunds from bills that were disputed by a subscription company. So instead of refunded me my XXXX i went from a XXXX  XXXX XXXX  to a XXXX  XXXX. When I called to ask about it they told me I was hacked and the money was spent I was very puzzled because I never saw any transactions go thru to show that their explanation was that I said to stop the investigation so they took the money back. It wasnt theirs to take in the first place it was payment reversals! Credits to my account! Which had Nothing to do with Chase Bank I was so exhausted I requested the account closed, Im filing this complaint because of the article that you have about chase doing this exact thing of not helping customers with disputes in their accounts correctly.. Chase Bank also told me that if I close the account that I couldnt open another one! I told them fine, because I never saw my XXXX because I was waiting for the credit so I could repay my bills and explained what happened the reason they were falsely disputed Chase stated that they ( my monthly billers ) that no such amount was disputed. Which is a Lie I can screenshot and explain what each bill was. Thank you for taking my complaint. I wish to be reimbursed for my XXXX asap. Thank you again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: MD

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.

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 2024-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: MA

Complaint narrative:
They sent a letter stating they were increasing fees and if i wanted to I guess agree or not agree call in I called in saying I didnt agree and in that effect came to an agreement of a closing my account. I have a balance in paying off so I made a payment arrangement in order to meet said balance. I made a payment arrangements of XXXX something now i payment arrangement went up to XXXX and I never agreed to that. They allege they are charging maintenance fees when they never sent in a email or anything advising me they were going to start charging that. I contacted the Fortiva credit card company and said they werent going to do anything about it and I could go as I please. That they werent supposed to notify me anything since I had a balance which I said I know I do and in paying it off but you guys were supposed to notify customers about any fees that you guys are going to charge us before hand

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I had rented a home from XXXX XXXX located at XXXX XXXX XXXX XXXX, KY XXXX in XXXX. There was a dispute between the landlord and ourselves. The landlord went to the courts and we had a hearing with the judge. The judge stated that as long as we vacated by a certain date, there would be no eviction on my record. We vacated by the date specified, and there is no money owed to the landlord. However after reviewing my credit report, the eviction is showing up and is stopping me from being approved for an apartment. I have tried to remove this from my credit with all XXXX bureaus and to this date, I have not been successful. I have mailed, called, and have done everything I can do get this removed. 

Court Case date XX/XX/year>, Case # XXXX, XXXX XXXX, XXXX XXXX : XXXX. 
XXXX ID : XXXX. 

I am trying to get this resolved as I am in the process of looking for an apartment home. 
Can someone please help me? Thank you for your time with this matter. 
XXXX, XXXX Also for some reason, some rental properties are trying to screen me and they are getting an error which states " Credit Bureau Blocked File ( XXXX XXXX ) Information from your inquiry has been identified by the consumer as fraudulent and therefore the credit report is not available for delivery ''. 
I have called all three credit Bureau 's to verify there is not a block/freeze/fraud alert however this is what some landlords are seeing when I am trying to apply.

I have been on the phone with all 3 several times trying to get this resolved. I really need some help if anyone can please help me or help guide me to a resolution?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
For the past 6-7 years I have reached out on multiple attempts and explained this and at one point they took it off but then I kept receiving the same thing in the mail and email. I have placed a police report letting them know this was identity theft. That them and other phone companies used my information my name my old ID when I was in my college years that someone took my information and placed multiple phones and lines in my name. If they look when I spoke to them the address and phone numbers does not match my old addresses and phone numbers. This was identity theft and a police report was filed. I want this off my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I am not liable for this debt with RESURGENT/LVNV FUNDING.I do not have a contract with RESURGENT/LVNV FUNDINGThey did not provide me with the original contract. If after reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation. Also according to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit without my permission. Please remove this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Credit Bureaus XXXX XXXX XXXX TransUnion, XXXX Dear CFPB, I am writing to formally file a complaint against the credit bureaus XXXX, TransUnion, and XXXX regarding inaccurate reporting on my credit file. 

I in fact have a active account with XXXX, which is associated with the following details : - 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 Despite having this account, I have been informed that my credit report inaccurately reflects that I do not have any credit card accounts. This discrepancy is affecting my credit score and my ability to secure credit. 

I kindly request that the CFPB investigate this matter and assist in ensuring that my credit report is corrected to reflect the accurate information regarding my XXXX account. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,

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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Credit Bureaus XXXX XXXX XXXX XXXX, Equifax Dear CFPB, I am writing to formally file a complaint against the credit bureaus XXXX, XXXX, and Equifax regarding inaccurate reporting on my credit file. 

I in fact have a active account with XXXX, which is associated with the following details : - 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 Despite having this account, I have been informed that my credit report inaccurately reflects that I do not have any credit card accounts. This discrepancy is affecting my credit score and my ability to secure credit. 

I kindly request that the CFPB investigate this matter and assist in ensuring that my credit report is corrected to reflect the accurate information regarding my XXXX account. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,

Company response to consumer: Closed with explanation