vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
EQUIFAX and XXXX  Continue to List a XXXX Credit Card that was CHARGED OFF 7 Years ago for a Balance Amount that was {$240.00}, Because of FEES ; this was a SECURED {$500.00} Card with XXXX  that I CLOSED and asked that they pay off the Balance with Secured Amount- which they did MONTHS LATER- after Charging Fees, then CHARGED OFF the Account. There was a Balance because I did not receive a REFUND from XXXX when I moved across country. 
In XX/XX/XXXX, XXXX XXXX  STOLE Money from My Savings Account- and sent me a letter " Thank you for your payment '' ; they took funds to " Pay Off '' the Account they had CHARGED OFF Years ago- and NOW is Re-Aged as NEGATIVE ... 
I should not be penalized for 14 years for a SECURED Credit Card that XXXX mishandled. They have their money. 
I have US Mailed, and also Attached the Documentation to Web Disputes on MULTIPLE OCCASIONS- EQUIFAX & XXXX  REFUSE to allow a NEW Dispute- and CONTINUE to Report this Account- NOW Re-Aging and Reporting as " Last Payment '' in XXXX. 
This Account was CHARGED OFF 7 Years ago- and they have the DATES Wrong- and they choose to put 120+ in XXXX of XXXX when the " First Delinquency '' as per XXXX XXXX  at the TIME was XXXX XXXX. AND it was CHARGED OFF in XXXX. 
This is XXXX XXXX  Card ending in XXXX. 
I have a Letter Dated XX/XX/XXXX FROM XXXX- stating that " account not open during requested time period ''. 
XXXX had maintained a {$5.00} Balance in my Savings Account- for Years- and only TOOK the Money for Credit Card AFTER they had applied the SECURED AMOUNT to the Card in XXXX, and AFTER they had Charged FEES, and then AFTER I had added to my Savings Account in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 I had {$3900.00} spent on two companies ( XXXX and XXXX ). There was a total of 18 transactions ( most of them being over {$300.00} ) and my bank, Bank of America, failed to notify this suspicious activity up until the 18th transaction. I called Bank of America on the same day to open up a claim while the transaction was on Processing and they did, but on XX/XX/2021 I received a message that my claim was closed, with the result being me not getting my money back. I called again and was told to submit my previous transaction with both of the companies ( because Ive had previous purchases with both ) through FAX. Then on XX/XX/2021 I received the same message, my claim was closed and I wasnt going to see a single cent. It was obvious that I didnt spend a single dime to both XXXX or XXXX, but I assume that Bank of America didnt even bother looking deeply into the claim. I called XXXX on XX/XX/2021 and they told me they couldnt provide me with the details of where my money went because of customer security ( even though it was my personal debit card being used ), but they would be able to provide my bank with the details. I believe my claims were denied because I accidentally authorized an XXXX payment of {$29.00}, but I quickly reported this accident. The reason why I accidentally authorized the {$29.00} transaction is because I had been emailing XXXX about a different product I never received, so I thought they were doing what some companies do and take some money from my account, but then refund it right after. Never did I think the {$29.00} was going to be the XXXX transaction of the {$3900.00} total taken from me! I later received a refund from XXXX on the next day, XX/XX/2021 of {$840.00}. I thought it was my bank working to get my money back, but I guess that was a wrong assumption because Bank of America was also confused as to why I was getting refunded some money. The person I spoke to from Bank of America seemed to allude that I was in on all this ( maybe suspecting me of fraud ), which is something I was personally offended by. Something I forgot to mention is that XXXX gave me a total loan amount of {$1500.00}, therefore there would have been no way that I would been able to spend the approximate {$3500.00} that went directly to 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 2021-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX posted an unauthorized transaction to our Chase United Airline ( co-branded ) Visa card. XXXX XXXX XXXX had no authority to charge the account. The last authorized charge was in XX/XX/XXXX ( two years ago ) for {$29.00} ending a month to month contract for my son, XXXX, who is not an authorized user. I disputed the charge and it was resolved in my favor. 
On XXXX XXXX XXXX again charged the Visa card. There was no explanation, just a charge. I disputed the charge telling Chase XXXX XXXX XXXX has no authority to charge our account. I told them that the only way that they could have the credit card number is if someone went into our XXXX file and stole our account number. In this case, with no explanation, Chase simply told us we must pay the charge. I note that we have received a new physical card since XXXX and it is impossible for XXXX XXXX XXXX to have the CVV number. I demanded from Chase that they show the contract XXXX XXXX XXXX claims we have, and the credit card number with signature and CVV. Chase refused. I told Chase that when we contacted XXXX XXXX XXXX the local manager said that they have no record of any active account charges attributable to any authorized user and can offer no explanation as to why this appears on my bill. Chase has been entirely uncooperative in resolving this dispute and refuses to provide any information as to why the merchant believes this is an authorized charge. THIS VIOLATES OUR CREDIT CARD AGREEMENT RELATING TO PLAINLY UNAUTHORIZED CHARGES FOR SERVICES THAT WERE NEVER ASKED FOR, SIGNED FOR, OR PROVIDED. 

Please help clear this charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In previous several previous CFPB complaints, we asked Equifax to restore our auto loan account they had deleted from our reporting. As with other complaints, they did nothing so we did an CFPB complaint to the credit provider who soon after sent us a letter showing they had done an investigation and verified the account was missing from Equifax but still on the other two credit bureaus. They also indicate that Equifax acknowledged removing the account, but the answer made no sense. 

From letter : " This letter is in response to your request. First and foremost, ****** appreciates your business. Upon reviewing your account, we have determined that the information we are reporting on your account is accurate, paid off account XXXX  balance, your final payment was received XX/XX/XXXX. As required by law, we have reviewed our account records, during our investigation, we indeed show your file was removed from Equifax, according to the credit agency on XX/XX/XXXX a dispute was submitted and was never received or reply to it, that cause your file ( primary only ) to be remove from your credit. We submitted an AUD to bring your file back to your credit, you may reach out Equifax at ( XXXX ) XXXX and provide them XXXX # XXXX for further formation on your account, please allowed 24 to 72 hours for Equifax to update your reporting. Please note both XXXX  and XXXX  are accurately reporting your account, for primary and cosigner, not marked as disputed. We apologized for the inconvenience, should you have additional questions or concerns, you may  reach ****** directly using the contact information provided in the written response '' We can report that the account has since been added back to my Equifax credit reporting, but it now has deleted an important information. THE ENTIRE PAYMENT HISTORY IN MISSING -- - THERE IS NO LAST PAYMENT AMOUNT -- - NOT SHOWING MONTHS REVIEWED -- - There are also other things missing, which does not honor the XXXX  ( XXXX ) that they provider requested and therefore allows inaccurate information to be reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The credit reporting agencies are reporting a bankruptcy which is against the FCRA privacy law. I don't recognize this public record so I contacted the courts and they stated that the information I gave was never furnished by them because they do not report my private consumer information. Please provide proof from the court that they provided this information because by law the credit reporting agency can not publish information from a third party or without my written consent. Therefore this public record is inaccurate and I demand it be deleted immediately for violation of my right to privacy under FCRA 15 USC 1681b ( 2 ) and the credit reporting agencies didn't have permissible purpose to furnish this information. They are also violating FCRA 15 USC 1681i Procedure in case of disputed accuracy ; if this is not deleted in 4 days I will file a ftc, XXXX, and attorney general complaint!

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 2021-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

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 2021-07-19 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:
Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report XXXX XXXX XXXX XXXX, US SM BUS ADMIN ODA, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, 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 2021-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I had made a deposit/payment for a contractor for XXXX on XXXX  and the contractor ended up not respounding to my phones calls or texts when I reached out to Wells Fargo after about 3 to 4 weeks I was told XXXX said no did not ask to see the calls texts nothing confirming my side or info when I reached out to Wells Fargo again . They said they can not do anything not even with trying to provide more documentation and that fraud or scams are o ly protected if its with a debt or credit card and the rep said next time dont pay till the job is done or thats the dangerous part of 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 2021-07-19 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: MD

Complaint narrative:
The credit reporting agencies are reporting a bankruptcy which is against the FCRA privacy law. I don't recognize this public record so I contacted the courts and they stated that the information I gave was never furnished by them because they do not report my private consumer information. Please provide proof from the court that they provided this information because by law the credit reporting agency can not publish information from a third party or without my written consent. Therefore this public record is inaccurate and I demand it be deleted immediately for violation of my right to privacy under FCRA 15 USC 1681b ( 2 ) and the credit reporting agencies didn't have permissible purpose to furnish this information. They are also violating FCRA 15 USC 1681i Procedure in case of disputed accuracy ; if this is not deleted in 4 days I will file a ftc, XXXX and attorney general complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: GA

Complaint narrative:
Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX 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 2021-07-19 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: GA

Complaint narrative:
Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-07-19 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: GA

Complaint narrative:
Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: CA

Complaint narrative:
Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report 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 explanation
Consumer complaint received 2021-07-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: TX

Complaint narrative:
Ive been a victm of identity theft

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 2021-07-19 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: CA

Complaint narrative:
Upon research of the Fair Credit Reporting Act removing and replacing an item on a persons credit report is Illegal and this company XXXX XXXX had removed this account from my credit report on XX/XX/2021 and then placed it back on my credit report XX/XX/2021. XXXX XXXX needs to be removed from my credit report permanently. This account is not mine

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 2021-07-19 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: CA

Complaint narrative:
Upon research of the Fair Credit Reporting Act removing and replacing an item on a persons credit report is Illegal and this company XXXX XXXX had removed this account from my credit report on XX/XX/2021 and then placed it back on my credit report XX/XX/2021. XXXX XXXX needs to be removed from my credit report permanently. This account is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: CA

Complaint narrative:
Upon research of the Fair Credit Reporting Act removing and replacing an item on a persons credit report is Illegal and this company XXXX XXXX had removed this account from my credit report on XX/XX/2021 and then placed it back on my credit report XX/XX/2021. XXXX XXXX needs to be removed from my credit report permanently. This account is not mine

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 2021-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

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 2021-07-19 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
There are a lot of unauthorized transaction deductions on my TD bank checking account. I filed an objection with the bank. I contacted the merchant but it didnt work. The bank maliciously rejected my objection many times. I went to the police station to report the case number. After I gave the case number to TD Bank, they still maliciously rejected my objection again.THE POLICE CASE REPORT NUMBER IS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: TX

Complaint narrative:
Ive been a victim of identity theft

Company response to consumer: Closed with explanation