vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: AK

Complaint narrative:
I applied for a chase credit card and was denied due to them believing the application was fraud. After calling them everyday for about 3 weeks they approved me for the credit card but then I received a second hit on my credit and was told the first one would be removed as it has been labeled as fraud. Now I am being told it wont be removed and I now have 2 hits on my credit report even though I only applied 1 time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have notified your office multiple times about inaccurate accounts in pending litigation on my credit report, but I am still waiting for 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 non-monetary relief
Consumer complaint received 2024-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 2024-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On Monday, XX/XX/XXXX, I went in to the Bank of America in XXXX, Florida at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX to send a domestic wire, for XXXX I waited for nearly XXXX minutes to send a domestic bank wire, for an Excrow account for the purchase of a home. 
Once helped, we were moved twice to different desks, and finally- " XXXX XXXX assisted me. 

I handed her the information of the recipient, with all the data necessary to send a wire to the title company 's bank. I asked if it would go the same day, and if not, could it be expedited to, for a fee, and that's what we did. 

The following morning, I awoke to a call from the title company stating the did not receive the wire. 
For the next XXXX days, I attempted to track the wire down, and pulled up the Bank of America Receipt, in which reflected a total of XXXX errors, including the recipients name. 

For the next 8 days, I held on hold with BOA for no less than an hour each time. 

Every time I got through, they told me different things : 1. We amended it, and it should go 2. We amended it, so we are waiting on the other bank to send it back 3. We amended it, and we are waiting for the other bank to accept it.

4. We have put in a request to cancel it 5. Its gone through fine, on our end 6. Its the other banks issue 7. The other bank said they are waiting on it 8. we will cancel it ( After they said it was received! ) This continued for nearly 10 days. No change, no close to resolve. The house was lost, due to inability to provide an additional XXXX right away, and we had to find another home. Bank of America noted in their system it was in fact a BANK ERROR. However, still not resolve. I escalated- yet no resolve. 

This has reached RIDICULOUS proportions, and the bank needs to refund me, as it was a bank error, and documented as a bank error. 

I have waited a VERY LONG time. I have been told at least 7 or 8 different things. I have receive little to no cooperation in resolve from the bank.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kovo
State: TX

Complaint narrative:
Kovo Inc . 
XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX This company I listed above is committing fraud. I found This companys app on XXXX App Store and thought it would be a good idea because it said it would help build my credit. Hes stealing peoples money through the app. Charging my account every month and report false information on my credit report as late payments. Ruined my credit and stolen money from me and several others. Look at Kovo Incs reviews on XXXX  App Store and no one can help us get our money back or fix our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: CA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: CA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-11-13 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: MD

Complaint narrative:
I am writing to request the immediate blocking and deletion of specific accounts appearing on my credit report due to a data breach that has exposed my personal information. In accordance with my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am seeking the removal of these accounts to protect my credit from any further misuse or potential harm. 
Accounts to be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$10000.00} Inquiry to be Blocked and Deleted : XXXX XXXX  - 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 explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Subject : Request for Assistance with Charged-Off Account at Chase Bank Dear Consumer Financial Protection Bureau , I am writing to seek assistance regarding a charged-off account with JPMorgan Chase Bank. Chase Bank recently charged off my account and is now requesting payment in order to consider reopening my account or to potentially settle the outstanding balance. 

I would like to understand the options available to resolve this situation, as well as any guidelines around the banks practices related to reopening charged-off accounts. It is unclear to me how Chase Bank calculates the remaining balance and under what conditions the account may be restored. 

In addition, I am concerned about how the charge-off and the current balance may impact my credit report. I would appreciate it if the CFPB could review this case and advise me on the proper procedures to follow in this situation. 

Please let me know if any additional information is required to assist in the review. I look forward to your guidance on how best to resolve this matter with Chase Bank. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$10000.00} INQUIRIES : XXXX  XXXX - 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
Consumer complaint received 2024-11-13 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: TX

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In my XXXX statement I underpaid the {$65.00} bill by {$30.00}, it was an accident, but no matter they added a {$7.00} int.fee for that billing cycle, making a total of {$770.00} due on XX/XX/XXXX. 
XXXX statement : XXXX XXXX : {$770.00} Payments. XXXX on XX/XX/XXXX Purchases. XXXX Interest XXXX. ( why? ) If I paid the balance in full & on time the previous month including the interest fee from the last month, why am I being charged this month? I asked them to remove it, they refused & gave me no explanation, that made any since. If you receive a statement with a balance & due date & you pay that balance on time why in the world should I recieve another interest charge???? 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-13 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: TX

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Siwell Inc
State: PA

Complaint narrative:
Capital Mortgage of Texas was my lender and sold my mortgage to XXXX XXXX XXXX XXXX. but they have no record of it.I do not know what to do at this point?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This XXXXXXXX XXXX XXXXXXXX account that has been charged off with XXXXXXXX XXXX  and settled with the debt collector, XXXX XXXX, still appears on my credit report as a negative account with late payments. This is hindering me from obtaining housing and new lines of credit. Please see attached for documentation from both companies.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This XXXXXXXX XXXX XXXXXXXX account that has been charged off with XXXXXXXX XXXX and settled with the debt collector, XXXX XXXX, still appears on my credit report as a negative account with late payments. This is hindering me from obtaining housing and new lines of credit. Please see attached for documentation from both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Re : Dispute of Inaccurate Debt Reporting To Whom It May Concern, I am writing to formally dispute an inaccurate debt reporting on my credit report. The creditor, XXXX XXXX XXXX, claims that I owe an outstanding debt ; however, I have not signed any agreement acknowledging this debt. I believe that this claim is inaccurate and may be in violation of the Fair Credit Reporting Act ( FCRA ). 

Details of the Disputed Debt : XXXX XXXX XXXX Account Number : XXXX Amount Reported : {$3600.00} I am requesting that this debt be investigated thoroughly, as I believe this reporting to be in error. The absence of a signed agreement between myself and the creditor calls into question the validity of this debt. 

Please take the necessary steps to investigate this matter with the creditor and remove or correct any inaccurate information that appears on my credit report. If additional information is required to proceed with this investigation, I would be happy to provide any documentation necessary to support my dispute. 

Thank you for your attention to this matter. I look forward to your prompt response and a resolution to this issue. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: OK

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX Re : Dispute of Inaccurate Debt Reporting To Whom It May Concern, I am writing to formally dispute an inaccurate debt reporting on my credit report. The creditor, XXXX XXXX XXXX, claims that I owe an outstanding debt ; however, I have not signed any agreement acknowledging this debt. I believe that this claim is inaccurate and may be in violation of the Fair Credit Reporting Act ( FCRA ). 

Details of the Disputed Debt : XXXX XXXX XXXX Account Number : XXXX Amount Reported : {$3600.00} I am requesting that this debt be investigated thoroughly, as I believe this reporting to be in error. The absence of a signed agreement between myself and the creditor calls into question the validity of this debt. 

Please take the necessary steps to investigate this matter with the creditor and remove or correct any inaccurate information that appears on my credit report. If additional information is required to proceed with this investigation, I would be happy to provide any documentation necessary to support my dispute. 

Thank you for your attention to this matter. I look forward to your prompt response and a resolution to this issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The company I work for XXXX changed our payment methods from XXXX to XXXX. I had an account setup with XXXX. I was supposed to receive a transfer of funds on the XXXX, and BOA doesn't show anything pending. I am the sole provider for myself ( XXXX yo female ) and a XXXX son, my account is overdrawn, and BOA will likely reverse XXXX payment cause more fees from XXXX XXXX XXXX. I am confounded that my paycheck not being deposited. So either Bank of America is lying or XXXX is. I am attaching the documentation that I have. Wingspan shows an invoice on XX/XX/year> that the funds were transferred.

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 2024-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2024-11-13 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

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 2024-11-13 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: MD

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with non-monetary relief