vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
A company called XXXX XXXX XXXX  is being reported on my credit report that is not mine. I have no knowledge of what this is or why its there please remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: IL

Complaint narrative:
I called Bank of America ( BoA ) today regarding a XXXX XXXX monthly maintenance fee that has been charged to my account every month. I asked why I was being charged and how to avoid the charge. I was advised the checking account product, I think it's called XXXX XXXX XXXX that I have requires I maintain a {$20000.00} minimum daily balance. If my daily balance is less than that amount I get charged {$25.00} for that month. I was charged {$25.00} on XX/XX/XXXX and XX/XX/XXXX even though my daily balance was over {$20000.00}. Those 2 charges were refunded with no issue. 

It is rare I ever have more than a few XXXX dollars in my checking account. I don't remember or have any record of changing my 'banking product ' to agree to a XXXX XXXX monthly maintenance fee unless I keep a {$20000.00} daily balance. I have had the exact same checking account with BoA since XXXX. I don't think I have ever changed my 'banking product '. I asked for proof that I either signed something changing my 'banking product ' and agreed to these terms or that I was notified. The customer service representative was unable to provide this information and stated I've had this banking product since XXXX when I opened the account. 

I explained I rarely have a balance over {$20000.00} and if it was true that this is what I signed up for in XXXX I would have been charged {$25.00} a month nearly every month since XXXX. I have been charged {$25.00} a month since XX/XX/XXXX. I requested a refund for all the charges since XXXX. The customer service rep said the refund requests were denied and there was no way to escalate the issue or request. 

I want to also note that today when I was on the phone with the customer service rep they did change my 'banking product ' for my checking account to a new product called XXXX XXXXXXXX XXXX. This product will only charge me around a {$5.00} maintenance fee if my daily balance falls under {$500.00}.

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 2024-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. List all those negative accounts from your TransUnion reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
FCRA 605B stipulates the removal of any erroneous accounts from my credit report. Would you please review the documents? Several listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrect item reported on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
According to the statutes outlined in 15 US Code 1681 ( e ) and 15 US Code 1681 ( 5 ), this account is in breach for failing to provide completely accurate information. It falsely attributes the bankruptcy court as the source of information, which is deceptive and constitutes forgery, especially considering the court does not typically report such accounts. I hereby formally request the immediate removal of these accounts to uphold the accuracy and reliability of my credit profile, as mandated by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I believe that according to FCRA 605B, we must eliminate any incorrect accounts from my credit report. Can you verify the documents? Some of the accounts listed are inaccurate in terms of reporting, with incorrect amounts and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern : I've requested your proof of verification over 2 times and I have yet to receive any forms of verification on either Account. The inaccurate information falsely manipulates my credit worthiness and it is hurting my ability to obtain credit. Experian failed to investigate these accounts properly after repeatedly asked to have proof of verification. In Accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI section 611, subsection A-D, please provide the names and business addresses of each individual with whom you verified the accounts below, so that I may follow up. If you can not produce the information that I am requesting then I demand these items be removed. PLEASE SEND ALL PROOF OF VERIFICATION OR DELETE THESE ITEMS IMMEDIATLEY!! 

XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
XXXX originally billed me for services after I turned off my service more than 10 years ago in XXXX. I contacted XXXX and I was told I did not owe it. XXXX XXXX  XXXX turning this over to collections with direct companies, the latest being Southwest credit, and I have disputed it on all three credit bureaus. It was taken off of one but they refuse to remove it completely and they keep changing the date so that this last attempt says the debt is from XXXX  XXXX and this is just a lie. I placed a statement on my XXXX  credit report. I want XXXX and Southwest credit system to remove this permanently and stop harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
We received a mailing ( copy can be provided ) from Chase Bank offering a {$900.00} bonus for opening checking and savings accounts. We met with XXXX XXXX at the Chase Bank on XXXX XXXX in XXXX, XXXX on XX/XX/2024 to open the accounts. 
On that date, we deposited {$15000.00} in a XXXX account, per the requirements for the bonus ; and XXXX XXXX said he submitted a XXXX XXXX XXXX XXXX ( copy can be provided ) on that date for my XXXX XXXX XXXX ( XXXX  ) to be direct deposited into our new Chase XXXX account. 
We were also given a publication entitled Account XXXX for XXXX XXXX XXXX. The XXXX states, in relevant part, XXXX XXXX action needed for XXXX XXXX XXXX  ( e.g. XXXX XXXX XXXX ; your request has been submitted automatically and will begin within XXXX - XXXX weeks. 
My XX/XX/2024 XXXX deposit went to my old bank, but that was only XXXX weeks after signing up. I called the bank after my XX/XX/2024 payment also went to my old bank. I was advised to submit a new direct deposit request to XXXX ; which I did. By that time, the first XXXX direct deposit would be made on XX/XX/2024 - and the direct deposit was indeed made to my account on that date. 
I contacted XXXX XXXX about the remaining {$700.00} bonus, and after he said he consulted with his supervisor, he advised me that they would not pay the remaining {$700.00} bonus because the direct deposit didnt occur within 90 days ( XXXX was the XXXX day ) of opening my account. 
I contacted XXXX ( XXXX ) and was advised they had no record of Chase bank submitting a direct deposit request. The direct deposit request I had submitted was effected without problem. 
I believe that Chase Bank owes me the remaining {$700.00}. I followed their instructions and directions ( No action needed for XXXX XXXX XXXXt [ XXXX XXXX ] and will begin within XXXX - XXXX weeks ) and submitted my own direct deposit request after calling Chase Bank after the XXXX week timeframe. Note, even if had initiated A XXXX XXXX XXXX request at the XXXX week timeframe, my XX/XX/XXXX XXXX still would have fallen outside the 90 day time limit. 
In summary, I believe I followed the direction of Chase Bank for eligibility for the full {$900.00} bonus. I dont know whether Chase Bank XXXX XXXX was responsible for the initial direct deposit failure ; however, I was able to make a change. And, the direct deposit did occur, just a month after the XX/XX/XXXX th date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX is still reporting to the credit bureau even though my loans were transferred to XXXX, and because of that my credit scores tanked. I'm no longer qualified for a mortgage loan because of that issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I check my credit report and there is information that is not correct the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these accounts are not mine accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information is not true and need to be remove from 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 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This reporting is FRAUDULENT I have NEVER paid this account late. Payments have always been on time yet they reported that it was paid late which has negatively affected my credit. 
I was in the process of qualifying to purchase a home and my score dropped over XXXX points because Capital One reported that I was 90 days late. I paid this account off in full XX/XX/XXXX. The statement closes on XX/XX/XXXX so on the statement date there was a XXXX balance. However XXXX I was billed XXXX for interest charges that I was not aware of on a closed account. Capital one continued to bill my account late fees and other fees which they are asserting I owe which I did not agree to nor was made aware of. I do not owe Capital one any money on this account which was closed by them. They are keeping this account open for their own predatory benefit. I have disputed these late payments SEVERAL times and each time nothing has been done. I am officially fed up and will pursue legal action if not rectified and corrected immediately. I demand for this matter to be addressed to the fullest and late payments UPDATED to current and never late as well as the balance zero out as it should have been when final payment was made in XXXX. I have attached all statements showing proof of payments and their date. 

The following dates are reported erroneously as late when they were in fact paid on time : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Current status is erroneously reported as XXXX days late-NEVER PAID LATE Current balance is erroneously reported as $ XXXX BALANCE PAID ON XX/XX/XXXX Based on their own website if a balance is paid in full every month interest would not be charged. XXXX XXXX XXXX Last person I spoke to was Collections Supervisor : XXXX XXXXXXXX XXXX XXXX, located in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
Apple Card has not reversed a disputed charge of {$560.00} from XXXX on XX/XX/2023. I have submitted documentation for the dispute and despite written communications with XXXX corporate customer support, I have not received a response. Due to lack of resolution from the merchant, I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). It's concerning to hear that other Apple Card customers have faced similar issues with dispute resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief