vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
I have tried several times to explain that these weren't my accounts but for some reason no one is believing 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 2023-07-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
I purchased XXXX XXXX service in a new subdivision in 2020 because they were the only providers at the time. They had to come to the house several times. Independent contractor could not get servive to work and would not return. XXXX XXXX XXXX  got service working but clouds kept interrupting service. I called in over XXXX times finally I was told that I would get a final bill due to poor service area of around XXXX after all my troubles. When I finall got a bill it was for XXXX from collections I'm pretty sure it has been sold to other agencys 2 or 3 times and my score has dropped on several ocassions for the same collection debt. I will pay what I owe. I never had service for a solid week. It should be in the notes from me calling in until they agreed about my poor inconsistent service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America-I have everything set up on my account to be notified of any type of fraudulent activity, text/call/email. On XX/XX/XXXX {$1400.00} was deposited into my account. I called the fraud department on XX/XX/XXXX when I noticed it in my account because that deposit was not made by us. I specifically said to the representative that I felt I should come in to get a new bank account because someone clearly has access to my account and was told NOT TO. Friday XX/XX/XXXX Bank of America deducted {$7200.00} from my account with no notification or authorization. Apparently due to fraud someone now tried to deposit checks for {$3400.00} and {$3800.00}. They did catch that they were fraudulent checks and the money was not deposited BUT they still deducted that amount from my bank account. BOTH representatives that I spoke to said the money was not deposited and they dont know why it was deducted but they cant put the money back in my account until a fraud investigation is done. NO MONEY WAS DEPOSITED. Bank of America TOOK MY MONEY AND WONT GIVE IT BACK. It should NEVER have been allowed to happen especially since a day prior I was told by your fraud representative not to change my back account. Maybe this fraud is happening internally at Bank of America. And again I was never notified any Type of fraud was happening to my account. No text or email. This should have never happened. And of course they will not give me a date of when they will refund MY MONEY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I have tried several times to explain that these weren't my accounts but for some reason no one is believing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: OLIPHANT FINANCIAL, LLC
State: PA

Complaint narrative:
I have tried several times to explain that these weren't my accounts but for some reason no one is believing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NEW CITY FUNDING CORP.
State: FL

Complaint narrative:
On XX/XX/2019 I went to XXXX XXXX auto dealership, to find a vehicle, I applied on their application, they referred me to New City Funding for a loan, for the purchase of the vehicle, I was instructed to give. a {$3000.00} down payment for the vehicle, so I did, as we were going through the retail installment contract, I was instructed to initial certain areas not understanding what they mean all I knew was Im getting my car, after finally paying off the loan, I started to study new material, thus me learning that any dealership asking for a down payment in a consumer transaction is illegal along with a list of violations according to the truth and lending act. 

I was never given full disclosure that I had the right to rescind the contract which I have done, certified mail, with a copy of the contract, which is marked up with the USC violations and fines I have given them 20 days to respond and havent received any knowledge on the matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
It's practically impossible for even a well-informed individual to calculate and figure out if the rewards calculated or earned on the card are accurate. I'll appreciate if Citi could please make it simple and just explain how many rewards points did I earn for which transactions in my latest cycle. Please don't regurgitate what is on the statement as I am indicating here that I don't understand what is on the statement, to begin with. As a Bank I would like to trust, this stuff doesn't give me the warm and fuzzy. 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 2023-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried contacting Transunion, XXXX, and XXXX about a closed account that was settled by me and the creditor. I paid it in full and it is still showing up on my credit report and is negatively impacting my credit score. The account in question is with XXXX XXXX XXXX XXXX. It was a secured card that had a balance of {$29.00} and was paid in full on XX/XX/23. Being that I have paid this account in full and have settled it I am asking that it be removed from my report because it is adversely effecting 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 non-monetary relief
Consumer complaint received 2023-07-30 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: CA

Complaint narrative:
I have tried contacting XXXX, Equfax, and XXXX about a closed account that was settled by me and the creditor. I paid it in full and it is still showing up on my credit report and is negatively impacting my credit score. The account in question is with XXXX XXXX XXXX XXXX. It was a secured card that had a balance of {$29.00} and was paid in full on XX/XX/23. Being that I have paid this account in full and have settled it I am asking that it be removed from my report because it is adversely effecting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried contacting XXXX, XXXX, and Experian about a closed account that was settled by me and the creditor. I paid it in full and it is still showing up on my credit report and is negatively impacting my credit score. The account in question is with XXXX XXXX XXXX XXXX. It was a secured card that had a balance of {$29.00} and was paid in full on XX/XX/23. Being that I have paid this account in full and have settled it I am asking that it be removed from my report because it is adversely effecting 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 2023-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Fraudulent entity applied for a CapitalOne Bank credit card using my name and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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: LEXISNEXIS
State: TN

Complaint narrative:
Below is information Ive identified on my credit report that needs to be deleted from your records immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), 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 to whom the report relates. 
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 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: SC

Complaint narrative:
This account is still on my credit report still increaseing payments Because This Account is in Depute over 3 years.

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 2023-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 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:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX  XXXX  : # XXXX XXXX XXXX  : # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 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: FL

Complaint narrative:
Around XXXX months ago, I noticed that the name " XXXX XXXX '' was being reported on my XXXX XXXX account by TransUnion. I took the initiative to request the removal of this name, and they successfully removed it. However, in XXXX, I faced a denial for a bank account due to XXXX. Upon obtaining my report, I was surprised to find that the name " XXXX XXXX '' is still being reported, either by TransUnion or XXXX XXXX, or both. This misinformation is not only inaccurate but also illegal, as it's negatively affecting my financial opportunities.

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 2023-07-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2023 I went to chase bank because I have a checking account there and I am allowed to withdraw from my prepaid XXXX card so I went and I tried to withdraw the rest of my full paycheck which was {$1000.00} I was charged a fee of XXXX. I walked inside to the teller and did this. Their system was messed up and they were not able to give me my funds me thinking. My funds were still on my card. I went to go to another bank ATM to try to withdraw and it said I had no funds. I was very confused because I did not receive any funds at Chase so my money should've been still on my card, I looked online at my transactions on XXXX and Chase took out my money that I had tried to withdraw but their system was down. I went back to the bank spoke with the manager and said that if it shows in pending status still on my XXXX website, then that night at XXXX PM the Chase system should release the funds back, but I also had netspend on the phone and they spoke with the manager asking him if he could send some type of authorization that once the funds stop pending that they won't take the funds into their accounts and will release the funds back to XXXX the manager said that no he did not have anything like that and can do nothing. I asked him if there's a higher up, I can speak to you to get this fixed and he said no that there was nothing they could do that I had to file a dispute with my prepaid card but all I was doing with withdrawing my money from my prepaid card and Chase and because their system was messed up I was not allowed to get my Funds. 
If I did not choose to withdraw my money from the bank that day, I would still have my money on my card.I have contacted Chase on the phone multiple times I have contacted XXXX I have filed a dispute I have children and that was my full paycheck and now I have to wait for an investigation for 10 days until I get my next paycheck so I have to wait XXXX full month to get paid. I have bills due and now they are past due with late fees. I am not sure what to do. Chase is not helping me at all. I still have not received my funds. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Subject : Urgent Request to Correct Address and Name Information Dear Consumer Financial Protection Bureau, I am writing to urgently address an issue regarding inaccurate information on my credit profile. Despite my previous efforts to rectify the situation by contacting the credit bureaus, the necessary actions have not been taken. 

As a consumer, I am aware of the laws that safeguard my right to have accurate information on my credit report. Specifically, I am concerned about the reporting of an incorrect address and name that does not align with my actual details. 

I kindly request your assistance in resolving this matter promptly. Your intervention would greatly help in ensuring that my credit profile accurately reflects my personal information. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Subject : Urgent Request to Correct Address and XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to urgently address an issue regarding inaccurate information on my credit profile. Despite my previous efforts to rectify the situation by contacting the credit bureaus, the necessary actions have not been taken. 

As a consumer, I am aware of the laws that safeguard my right to have accurate information on my credit report. Specifically, I am concerned about the reporting of an incorrect address and name that does not align with my actual details. 

I kindly request your assistance in resolving this matter promptly. Your intervention would greatly help in ensuring that my credit profile accurately reflects my personal information. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi so I received a Bank of America EDD card about 2 years ago and I filed for identity fraud and filed a claim for {$8000.00} something hot dollars and another one for {$2000.00} something dollars and it's been 2 years now and it's still being investigated without any provisional credit or anything I believe something should have been done by now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I got scammed fraud about a rental leasing and sent in total XXXX $ through wire transfers and XXXX  payments to the scammer and my bank Chase let me know I would not be able to recover my stolen money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I use XXXX and XXXX to monitor my credit scores. I have noticed a disturbing trend on my scores. Although everything published says you don't have to use your credit to build a good credit score, I have noticed that when I use 10 % of the limit of one of my credit cards ( it has a high limit ), increasing my credit utilization from a usual 3 %, my credit score jumps over 30 points. When I pay it off the next month, my score drops back down. It would appear that my credit score only goes up when the credit issuers think they will be getting interest from me on the account, not if I am more likely to pay it off. This has happened consistently several times. It would appear the credit bureaus are giving better scores to people who are more likely to have to pay interest on the accounts, not if they are more likely to pay the account off. At worse, this is a conflict of interest indicating that the credit bureaus are being encouraged by financial institutions to promote borrowers who they are more likely to make money on, not actually on their creditworthiness.

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