vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I have gotten a letter from Bank of the West, telling me 2 months later to repay them {$200.00}, which they claim was credited to a checking account that they had already advised me to close back in XXXX of 2022. They haven't bothered informing me about the my account status, by specifically mentioning any transactions, ( still pending, or for what amount ) while I was at the bank, but waited 2 months later, to get me to pay {$200.00}. Who does that? What bank operates in this manner?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase Sapphire customer supports keep following the wrong commands during the phone call. I can not have my credit score being affected when I, as the authorize user have yet to receive the physical card. I provided all of my correct information to the agent, they confirmed the address back, but it has been 3 weeks. We keep calling, they do confirm the right address, but then when we checked XXXX, they mailed it to the wrong address. So what was the reason for me to confirm my address 3 times. I have attached the shipment ( 3rd request ) down below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I took a look at my credit reports and discovered a plethora of inaccuracies. I understand under the law, " if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation. '' I sent dispute notifications to all companies and filed disputes online. These companies maintain their information is accurate even though it is not. In addition to reporting inaccurate information, the companies in question also re-aged the account. 
To get technical, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. '' To remain in compliance with the law, I request the immediate removal of accounts 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 non-monetary relief
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Someone has filled out a USPS mail forwarding form and it seems the credit card companies and banks use this as an " official '' notification of change of address so I have been making calls and correcting my address multiple times. My email has also been changed with some credit card companies. I've changed user ID and passwords but the USPS info. trumps all of this. 

The fraudulent address is : XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA 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 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My first attempt with Equifax, they received the information and did not act on it. When I called to follow up, they said the info was too old. I faxed them a written request and the supporting documents 500 times. I follow up, they said they had not received it. I filed a complain with CFPB, who sent them my written request WITH supporting documents. Equifax 's response... .send us a written request and supporting doccuments. so I am doing it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I DISPUTED FRAUD INQUIRIES WITH TRANSION, XXXX AND XXXX AND THEY REFUSE TO REMOVE THIS FRAUD INQUIRIES THAT I SENT ALL THE PROPER DOCS. 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 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 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 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 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 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 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 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I DISPUTED FRAUD INQUIRIES WITH XXXX, XXXX AND EQUIFAX AND THEY REFUSE TO REMOVE THIS FRAUD INQUIRIES THAT I SENT ALL THE PROPER DOCS. XXXX XXXX XXXX XXXX, 2022, XXXX XXXX  XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXXXXXX, 2022, XXXX XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXX XXXX XXXX 2022, XXXX XXXXXXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX, 2022, XXXX XXXXXXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXXXXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX 2022 XXXX MICHIGAN SCHOOLS AND GOV XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXXXXXX XXXX, 2022 XXXX XXXX XXXX XXXX, 2022, XXXXXXXX XXXX  XXXX XXXX, 2022, XXXX XXXXXXXX XXXX XXXX XXXX, 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Law Office of Carl Brugnoli
State: MA

Complaint narrative:
On XX/XX/2023 I received a letter in the mail from debt collector Carl Brugnoli, Esquire about a debt of {$3300.00} to XXXX XXXX, XXXX. 

The letter states that the office of Car Brugnoli has a capias warrant for my arrest if I do not contact their office and make payment within ten days.

This is my first contact with this office and no other information regarding my rights to information or option to dispute was given. The initial debt is from over 20 years ago and I have not heard anything about this debt or made payments in over 10 years. This debt is undoubtedly time-barred and I have not been served nor failed to appear in court to justify the capias warrant threat. This letter is most certainly a scare-tactic with the intent of partial payment to to renew the case from being time-barred and legal leverage.

Furthermore, with this letter being the first and only contact with this firm, the attorney neglected to inform me of my rights in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Luckmore Finance
State: LA

Complaint narrative:
Luckmore finance continually keeps putting hard inquiries on my credit its happening without my consent. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer right to privacy. 
XXXX ) Account name : XXXX # XXXX XXXX ) Account name : XXXX XXXX # XXXX XXXX ) Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX  # XXXX XXXX ) Account name : XXXX XXXX XXXX XXXX  # XXXX XXXX 
15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 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. c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting 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 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 information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I have a checking account with XXXX XXXX. I pulled up to a Bank of America atm drive through and pulled out {$140.00} and it charged me a {$3.00} fee. The money was left in the atm and I suppose the atm sucked it back up or something Im not sure. I went inside of the bank right after and they told me it would take a day or so for it to go back into my account. It has been about a week and I have received no word back. I filed a claim with my bank and I think their looking into it but its just not right

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 2023-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCS, Inc
State: IL

Complaint narrative:
This complaint is about a debt collection agency noll collection in XXXX XXXX iowa, XXXX noll an attorney is reporting a false amount of debt on my credit report even though XXXX XXXX XXXX of south dakota judge discharged the their claim of amount we owed to a rental apartment XXXX at XXXX XXXXXXXX XXXX  where i lived for 4 years .noll collection is still reporting imaginary amount of XXXX dollars on my and my husband s credit report even though ordered by court that we dont owe them this amount. 
I paid her court fees and what ever was ordered by judge. 
Now this is unfair that noll collections lawyer XXXX noll is still reported a closed account new just to hurt my credit exactly at time when i applied fir home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
Specialized Loan Servicing services this loan that I have and I wrote them a letter asking who owns the loan and they sent back a response that said they will not tell me. I wasn't told the truth on this loan and I want to know who owns 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 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-07 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: NJ

Complaint narrative:
un approved credit inquiry and fraudulent credit cards issued. 
XXXX XXXX XXXXXXXX had to cancel XXXX fraudulently opened credit cards in my name. 
need to request instant freeze for all reporting agencies, experian, 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 2023-02-07 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: LEXISNEXIS
State: AL

Complaint narrative:
Lexis Nexis have obtained my Bankruptcy from XXXX, a database unethically because I was not informed. I was an uninformed consumer during this Transaction. You obtained my non-public personal information, then sold my non- public personal information to the Credit Reporting Agencies . I never gave you written consent to collect nor furnish my information in regards to my bankruptcy to the Credit Reporting Agencies. You are in violation of the FCRA law and Defaming my character. The Bankruptcy on my file in the public record section is affecting my livelihood and my character and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Original letter XX/XX/XXXX from Radius Global Solutions LLC ( attached ) They state I owe XXXX XXXX XXXX {$1800.00} dating back to XX/XX/XXXX XX/XX/XXXX - I responded w/ a dispute letter ( attached ) Stating to see the original bill. 
There has been no contact from XXXX XXXX XXXX stating that I owe this amount. 
And I do not have any outstanding collections on any of the 3 credit bureaus. 

XX/XX/XXXX - They responded w/ another letter and a simple bill on XXXX XXXX XXXX letter head dated XX/XX/XXXX ( attached ) I think my identity has been compromised, this is the second collection agency that has appeared in the last few months. I will also follow with a second agency that sent a subpoena to my home stating I owe them $ under my maiden name that I have not used since married in XXXX. 

Thanks, 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 2023-02-07 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/2020, I noticed that I had lost my credit card. I immediately reported it lost and requested a new credit card from Bank of America. I received e-mail notification that a new card would be mailed to me. I did not receive one, and Bank of America did not put a freeze on the account. 

On XX/XX/2020, after the XXXX holiday, I logged into my Bank of America account online. There were in store charges in excess of {$3000.00} made during the holiday week on the card. I promptly called to report the fraud, to understand why the account had not been frozen, and why I had never received a new card in the mail. They were very apologetic, froze the account, and issued a new credit card number. They also opened a fraud dispute and temporarily credited my account. 

After 30 days, I received a notice saying that my fraud claim was denied because I had made purchases at these vendors in the past. However, that is not true. Whoever had my card spent ~ {$2000.00} at XXXX XXXX, which I had not been to in recent memory. In addition, {$600.00} at XXXX, and my phone provider was XXXX at the time. I explained the facts again, and the fraud agent opened an appeal case. 

After 30 additional days, I received a second notice that the claim was denied for the same reason. I called once more, and explained the facts. I did not have the card in my possession, as I had reported it lost prior to any of these in store purchases. The fraud agent then instructed me to file a police report, which I had not been instructed to do until this time. 

I then filed a local police report, and submitted it to the fraud department. Some time later, I received yet another notice that the claim was denied for the same reason as the first two times. 

Ultimately, I ended up paying for the fraudulent charges because it would be too expensive to hire legal counsel. It is aggravating that a very reputable financial institution would handle a fraud claim in this manner. I have since transitioned my core banking to a local credit union, and will soon close all accounts held with Bank of America because of how this claim was handled two years ago. I was recently made aware that I could file a complaint with the CFPB so that at least my experience would be on the record.

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 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Someone else had the card I never used it and I told the card company but they said it wasn't true

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT ACCOUNT UNDER AN END CONSUMER CREDIT PLAN LATE FOR ANY PURPOSE.

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