vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-31 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: MD

Complaint narrative:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX XXXX on : XX/XX/2017 Made with : EQUIFAX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity.

Given the amount of identity theft, I & # 39 ; m sure you & # 39 ; ll agree that verifying your information is in your best interest.

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I received an email from XXXX XXXX that new inquiry was added to my XXXX  report as of XX/XX/2019. When I looked into it further, the site told me that I had a hard inquiry from Capital One Bank USA but that there was no contact information reported by this creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-31 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: MD

Complaint narrative:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX Made on : XX/XX/2017 Made with : EQUIFAX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity.

Given the amount of identity theft, I & # 39 ; m sure you & # 39 ; ll agree that verifying your information is in your best interest.

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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: PRESTIGE FINANCIAL SERVICES INC
State: MD

Complaint narrative:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : PRESTIGE FIN Made on : XXXX XXXX - XXXX XXXX - XX/XX/2018 Made with : XXXX XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity.

Given the amount of identity theft, I & # 39 ; m sure you & # 39 ; ll agree that verifying your information is in your best interest.

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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: MO

Complaint narrative:
Trans Union, XXXX and XXXX have all been sent legal documents about a collection account on my credit report from a XXXX XXXX agency. These documents prove that this account is to old to be on my credit reports. These documents also prove that the account belongs to someone else. I'm sick and tired of filing disputes with them about this 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 explanation
Consumer complaint received 2019-12-31 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: NE

Complaint narrative:
As a victim of ID theft and Fraud, it puzzles me as to how a reliable credit reporting agency such as Experian can be so negligent in their reporting. I've been disputing an address on my credit report as FRAUD for several months now. I have NEVER lived at this address, used this address, or been associated with this address. I've written multiple letters begging them to remove it as it is clearly associated with fraud and all they do is claim they updated it to a different apartment number. I am done asking nicely and am ready to pursue them in a court of law for their multiple violations. 

Most recently, I submitted several disputes to have several creditors updated to included in bankruptcy. I sent documentation with these disputes. Because I had disputed some of the accounts twice online, I was told that I would need to submit documentation. I submitted the documentation on XX/XX/2019. Experian FAILED to process these disputes. Additionally, the disputes they have processed were not processed accurately and now those accounts are not only a violation of the FCRA, but are now violating the US Bankruptcy Protections. They allowed the creditors to update the accounts with further inaccurate damaging information which dropped my credit score 100+points. Creditors do not get to pick and choose whether they want to be included in the bankruptcy or not. Experian is giving them a choice despite the documentation provided to them and the verified bankruptcy filing. This is illegal and I will not stand for it.

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 2019-12-31 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: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX, Equifax and XXXX  have all been sent legal documents about a collection account on my credit report from a bail bond agency. These documents prove that this account is to old to be on my credit reports. These documents also prove that the account belongs to someone else. I'm sick and tired of filing disputes with them about this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2019 Bmo Harris Bank allowed for an individual to go into a XXXX branch and make two with drawls for the amount of {$7200.00} total using my name birthdate and Social Security number that I did not authorize and was not there for

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 2020-01-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, Bank of America made changes to the fees policies on Regular Savings accounts. I recently noticed that I have been charged monthly maintenance fee ( {$5.00} ) since they made those changes. I called a representative on XX/XX/XXXX to inquire about when they sent out these changes and a representative informed me that they would not have. The only way I would have been able to know about the fees was by looking at my monthly statements. Prior to the changes, I qualified for the waiver of such fees as I made the minimum monthly transfer ( {$25.00} ) from my checking account to savings. So to go from the fees being waived to not having any notices sent out to customers about the changes, I very annoyed. When I opened my checking and saving, I opened the two accounts linked together and inquired about how I could avoid these maintenance fees and I have made sure to maintain those features that would avoid paying them. Over two years - since XX/XX/XXXX - I have been charged these fees and did not receive any notice to inform me of the modifications they made to their structure. That is a total of {$130.00} in monthly fees that have been applied to my account. 

I spoke to another representative also on XX/XX/XXXX about my savings account, which when I opened was linked to my checking account. According to the new Regular Savings fee policy, one way to avoid the monthly fees was by having the Regular Savings linked to a Bank of America Interest Checking account, which I did have. But the other representative informed me that my savings account was not linked to my checking, which was not the case when I opened it. I initially did not want to open a savings account with Bank of America as I had concerns about these fees ; however, a financial professional informed me that there are ways to avoid them in addition to linking the account to my checking. After being informed of the policies and how I could open the savings account LINKED TOGETHER with my checking, I obliged. Come to find out from the representative I spoke with that my saving account was never linked to my checking account. I specifically opened both my savings and checking together and had the save-as-you-go feature, which takes change from my checking to savings for each debit transaction. I am not exactly sure what other changes were made to my accounts that separated them or not have then associated.

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 2020-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I called Bank of America ( BOA ) to send me my remain amount from the secured card I got from BOA and to close the account due to poor work by bank. The BOA charged me late fees and charged me on interests. The fact was I was only late for the first time in XXXX because Social Security Admin messed up my money. So, for being late for the first time, the BOA automatically suspended my credit card. I deposited my {$8000.00} in the secured card. I wanted to improve my score. But it never happens. BOA accused me for being late a several times. It is a lie. You have the previous report about BOA but u did nothing about it. The BOA did suspend my credit card for being late and demanded me to pay them. They SHOULD NOT suspend my credit card that happened to be my emergency card to get foods and gas. They actually suspended my credit card and refused allowing me using it until I pay them the payment. What the XXXX?! They can just report to credit bureau that I am late and they can even charge me for late of XXXX And that is it. But nope, BOA punished me by suspending my credit card and reporting to credit bureau and late charge fees and interests. BOA did not need to punish me more by suspending my card. And I was NEVER LATE previous and it proved you that I was not late before because they did not suspend my cresit card until recently in early XX/XX/XXXX. They suspended me! The information they have is so accurate! The XX/XX/XXXX does have the access to my bank but they only depends on banks reports to lower my score! It is dirty! Everyone of them are dirty and corrupted! 
Also because they suspended my credit card when it was actually an emergency card, I demanded them to send my remain amounts to me and close BOA account. They did close my account but did not send my remains so they did hope I d forget about it and steals the remains of money from secured card. I called last week to double check and found they did not send me a check of my remain money. I was so mad because I needed the check this last week. I had to wait another 2 weeks for check to get to my place. Tomorrow I am supposed to get my check. They promised I d get it on 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 2020-01-01 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: MD

Complaint narrative:
I was looking at my credit report and noticed that there are multiple addresses on there that I don't live at. The only address that should be reporting is listed below. 

Correct address XXXX XXXX XXXX XXXX MD, XXXX Please delete these wrong addresses thats listed below. 

XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX CT XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 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: LA

Complaint narrative:
I submitted a complaint on XX/XX/2019 and they still did not answer my question as to how XXXX & XXXX are at or above 730 with the same data yet they are at XXXX. 
As you will see in the uploaded spreadsheet, the data is basically the same. Experian actually only has 4 Negative Items compared to XXXX having 5. I took the reports from both companies and compared the data. After doing this, I am convinced Experian is not reporting a fair score for me based on the data and also based on the fact that XXXX XXXX score pretty much mirrors XXXX XXXX. 2 Bureaus with similar scores should tell you that Experian is posting false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I already reported on Bank of America but this app on mobile would not get me to the previous compliant nbr to add the attachments. It is so limited or too restrictive. So it is same company I am complaining about. I add the proofs of never being late with Bank of America until this month, XX/XX/2019. 
BOA suspended my credit card as an emergency card/fund. They shld not suspend but to report to credit bureau of being late AND charge fee at only one time which is XXXX Not previous months. BOA also charged me a several more on late charges.

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 2020-01-01 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: MD

Complaint narrative:
I was looking at my credit report and noticed that there are multiple addresses on there that I don't live at. The only address that should be reporting is listed below. 

Correct address XXXX XXXX XXXX XXXX MD, XXXX Please delete these wrong addresses thats listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD 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 2020-01-01 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I was looking at my credit report and noticed that there are multiple addresses on there that I don't live at. The only address that should be reporting is listed below. 

Correct address XXXX XXXX XXXX XXXX MD, XXXX Please delete these wrong addresses thats listed below. 

XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD 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 2020-01-01 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: NV

Complaint narrative:
These accounts listed and inquiries aren't mine. Please remove them.

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 2020-01-01 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: NV

Complaint narrative:
These accounts listed and inquiries aren't mine. Please remove them.

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 2020-01-01 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: NV

Complaint narrative:
These accounts listed and inquiries aren't mine. Please remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-01 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: MD

Complaint narrative:
I, XXXX XXXX XXXX had no involvement in these accounts and inquires being opening in my name. I XXXX XXXX recognize that I've been a victim of this fraudulent accounts and inquiries. 

Accounts : XXXX XXXX Opened : XXXX XXXX, XXXX {$10000.00} XXXX XXXX CU Opened : XXXX XXXX, XXXX {$3000.00} XXXX/XXXX Opened : XX/XX/XXXX {$310.00} XXXX XXXX/XXXX Opened : XX/XX/XXXX {$2400.00} XXXX XXXX   Opened : XX/XX/XXXX {$490.00} XXXX Opened : XX/XX/XXXX {$310.00} XXXX XXXX XXXX Opened : XX/XX/XXXX {$170.00} Inquiries XXXX XXXX XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX - CARD SERVICE Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : 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 non-monetary relief