vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-10 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: FL

Complaint narrative:
I XXXX XXXX, am submitting this cfpb Complaint concerning the gross. Reporing of inaccurate account information, From the XXXX major credit agencies Experian, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Under the FCRA, its states information reported must be 100 % accurate. This is not the case with almost 100 % of consumers credit files are filled with inaccurate information, In reveiw of my consumer files you can see the errors, that shows the inaccuracy. Across, the XXXX credit reports from the XXXX credit agencies. Under the FCRA, 15 usc 1681 my federal rights have been violated. Over and over again in disputing process, of the inaccuarate informatio being reported.

Under 15 USC 1681, my rights have been violated by XXXX XXXX Acct # XXXX. Under these federal statues XXXX has violated my rights under secttion : 15 USC 1681i- Procedure in case of disputed accuracy ( a ) Reinvestigation of disputed information. 
15 USC 1681i- Procedure in case of disputed Accuracy.

15 USC 1681b- Permisssible purposes of consumer reports 15 USC 1681- Cogressional findings and statement of purpose 15 USC 6802- Obligations with respect to disclosures of personal information 15 USC 1681 ( e ) -Compliance Procedures Under listed above statues under the FCRA, my rights have been violated. In the procss of disputing a request for reivestigation. I did not get any investigation resutts, back from my request. I was never got a notification at all within the 30 days mandated period.

Thus, causing another federal staue violation 15 USC 1681n and -Civil Liability for noncompliance 15 USC 1681o- Civil Liability for negiligence noncompliance. Under these statues I am submitting this complaint for the willful noncompliance to any of these statues violations.

In the filing of this complaint, it is my intent to take civil actionsas a result. Of the actions of XXXX XXXX,, for the violations listed, and noncompliance in being compliant. Also Civi actions against the credit bureaus for no doing their do diligence in asssuring that the reinvestigation was conducted.

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 2023-07-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
I filed a dispute with cash app, regarding an unknown account have been deducting money out over my account over time, Explained that I did not realize because I did lose two phone and did not have access to my cell phone to notice alerts. At first it was small amount of course I probably would had not noticed. After reviewing the cashtag and history I notice that they have taken over {$240.00} out of my account. I disputed it with cash app and they said I was emailed on XX/XX/XXXX have not yet gotten that email. Explained the last email I got was XX/XX/XXXX to review my statement history for XXXX. I asked for the denial and they are unable to tell me the reason why, I asked to speak to the department that disputes and investigate, they will not allow me. No one have no clue how to help me, nor return my money why the investigate. On today I had to go through another process of dispute which I was told it could be another 10 business days. This is unreal, no one can never give you a full answer, and you have to wait on this phantom department and not even able to speak with them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
Wells Fargo Bank has been causing my checking account being low each and every month with direct deposits in my checking account. Who has been paying XXXX Funds I didn't authorize for XXXX  Services to receive from my Wells Fargo Debit Card XXXX XXXX had refuse to refund me back some of my funds that were paid to them. Which has happened twice. I feel I am being target and taking advantage of by Wells Fargo Bank and XXXX because my race and age. XXXX has been give me more problems with their internet services. It has been given me problem connecting with my devices. My XXXX, XXXX, XXXX XXXX, and My Laptop Computer. There has been other XXXX in my area. Who has been successful in connecting with my XXXX XXXX more than me who is pay for the services. There are XXXX in my area are getting free internet and I am senior who paying for it. It not being fair. They inform me I'm not eligible for free internet.

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 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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: Adelante, Inc
State: TX

Complaint narrative:
The account is for a medical bill that is under {$500.00} and should not appear on the credit report. The collection agency has fraudulently increased the debt in an attempt to report it. I have contacted Account Services without success to correct this illegal action.

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 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/23 ask for a increase in credit and to have my secured account to regular account. When I opened account 5 years ago I was told after 1 year of good payments I could do this, but every XXXX they tell me the same, brhat I can not unsecure the card and will continue secured. This is frustrating as I have a great payment history and have prove myself as a great customer. 

Also they never increase my credit line. 

They always tell me I have no way to appeal ruling too

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 2023-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX might of ent letters but not to me because i didnt get them nor did i receive any phone calls from them i straighten out the matter as soon as i found out with bo effort on XXXX XXXX XXXX i didnt vomplain i payed up as sooh as i found out of my own accord even though amout doubled which should count for something

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 2023-07-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The account is for a medical bill that is under {$500.00} and should not appear on the credit report. The collection agency has fraudulently increased the debt in an attempt to report it. I have contacted Account Services without success to correct this illegal action.

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 2023-07-10 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: PA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 

XXXXDEPT OF ED ACCOUNT NUMBER : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer 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 2023-07-10 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: PA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 

XXXXDEPT OF ED ACCOUNT NUMBER : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: TX

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-07-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate I was XXXX XXXX XXXX XXXX XXXX, which resulted in my car being totaled and Gap said it wouldn't cover my claim due to them stating it was a DUI. Later to find out it was not a DUI  and the gap still hasn't covered the remainder of the bill. I have provided the conclusion of the court case, proceedings and gaps bill. 
2. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate 3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 4. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate XXXX. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate 6. Validate Account XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 7. Validate Account XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 8. Validate Account XXXX XXXXXXXX XXXX Account Number : XXXX Please ensure that all information is accurate 9. Validate Account XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also reque
st that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 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 2023-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Capital Realty Professional LLC
State: MD

Complaint narrative:
Fraud began XX/XX/2022 in the amount of {$15000.00}. I filed a FTC complaint on XX/XX/2022. FTC Report Number is XXXX. I also filed a complaint with the FBI. I have attached the FTC complaint, and I will provide the more detailed FBI complaint upon request.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I first called on XX/XX/23 to close a chase freedom credit card account with Chase Bank. I no longer needed the card, and wanted to transfer my credit line and rewards balance to another chase credit card which was already opened and activated. Due to a " glitch '' in their security software Chase customer service is unable to access my account. They have asked me to call back in 24-48 hours so their system can reset. I have called back 5 times now over the past 2 weeks, each time with the same response from Chase. I am curently locked out of all customer service functions for my credit cards. I can not close my account, transfer credit, use rewards, update preferences, etc. This has been the case for nearly two weeks and after approximately 8 hours of time on the phone. I am seeking help so that I can close this credit card and regain access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XX/XX/XXXX, Checking, Savings & Credit Card were opened from Bank of America online in my name. Then a cash advance was taken out on the credit card in the amount of {$1400.00} & mailed to my address. B of A states the cash advance was mailed to me because they ( B of A ) detected suspicious activity and closed the checking and savings account so the check/cash advance needed to be mailed since there was no where to deposit the money. I received the check and since I knew I did not open any accounts from B of A I kept the check in my stack of documents I began collecting from B of A and wrote the words " VOID '' across the check. 
I began working with XXXX XXXX XXXX ( XXXX ) and together we called B of A multiple times on different days and at different times and were continually transferred, hung up on, sent to the wrong departments and wasted HOURS of my life that I will never be able to get back. No one could help us so XXXX suggested that I go into a local branch of B of A that they should be able to help me. The only thing that was different was that the Relationship Manager that assisted me ( XX/XX/XXXX ) called and was told that I needed to deposit the cash advance check of {$1400.00} back into the credit card to get anything done. They would not accept my check since the word " VOID '' was written across the check. So B of A had to create another {$1400.00} cash advance check and mail back to me again. I received the check in the mail, went back to the local bank ( XX/XX/XXXX ) and had the same Relationship Mgr. deposit the {$1400.00} check on the credit card account. The Relationship Mgr. called & spoke with someone in the collections department and they stated that the late fees and interest charges along with derogatory marks on my credit should be corrected and this should take place in 2 weeks and I will receive a letter in the mail stating this. Instead of any of this happening I received a letter stating that B of A is " unable to complete your request '' and provided a phone number to call to receive an explanation. I called the number ( XX/XX/XXXX ) and no one can help me and I have derogatory marks on my credit and the fees and interest charges continue to add up. Now B of A has sent my balance due ( XXXX ) to a debt collector ( XX/XX/XXXX ) and they are trying to charge off my debt. 
I have filed a police report, report the information to the FTC and am in the process of also filing a complaint to the 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 2023-07-10 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: U.S. BANCORP
State: CA

Complaint narrative:
This complaint trails on a previous complaint, recorded with cfpb as complaint number XXXX. But it is not a duplicate. In my previous complaint, I complained that my credit report was not updated in real time and a dispute resulted in a " verification '' that it was accurate. As I understand the furnisher 's policies, they update reporting once each month. A review of my credit report history with XXXX confirms this representation and I have been patiently waiting for it to update. The reporting history indicates that this updating has taken place on or about the last day or first day of every month since I opened the account. Moreover, in the response to complaint XXXX, the furnisher explained in detail that " We identified that we previously received the same dispute request from you directly on XX/XX/XXXX and from a consumer reporting agency on your behalf on XX/XX/XXXX. At that time, we investigated your dispute and mailed you the enclosed letter dated XX/XX/XXXX and provided a response to the consumer reporting agency. '' Notwithstanding the aforementioned, my XXXX report has remained without update since XX/XX/2023 ( see attached entries ). This is not only despite that both XXXX and XXXX have been updated, but that the absence of an update for XXXX is inconsistent with the furnisher 's explained policy as verified by the history of reporting on the account. Today is XX/XX/2023, and the account is not reported for XX/XX/2023. According to XXXX, they are waiting on information from the furnisher. Because a balance is being reported by the furnisher, my credit utilization is calculating incorrectly for credit scoring purposes.

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 2023-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CarMax, Inc.
State: LA

Complaint narrative:
bought a vehicle thru carmax returned it wouldny take it back stuck me with bad debt because i returned other lemon vechilces to company before

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX claims I had a late payment in XXXX of 2022. I never paid late, I simply started paying weekly to pay off faster. I made numerous attempts to resolve this with them and they will not remove this false late payment from my credit. this has negatively impacted my report and my life. I would like this resolved asap please.

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