vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
I noticed on XX/XX/28 that First Citizens bank has been charging me {$10.00} for last 9 months like I didn't have above {$1000.00} in my account. It is a small money market account that I don't really touch or look at much but I tried cashing a check today and I noticed balance was {$910.00} and when I called the bank they explained the fees and they admitted they were errors but they said it is my responsibility to keep up with those and they can only credit back {$10.00} for this month. I got upset as this is not right and to avoid more incorrect fees I went to the branch and when they didn't offer the solution I closed the account. Hoping to recover {$90.00} they stole from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: TX

Complaint narrative:
I have paid on a past due balance with Conn 's Home Plus. I called the company to negotiate a settlement of {$800.00} & they were going to report this to the credit bureau. This was paid same day of settlement & now they are reporting this to my credit as a remaining balance of {$1600.00} this is not accurate. I have the letter from Conn 's where this agreement was signed from them. I have made 2 attempts now to have this updated and removed and they keep saying that they will do this, but it still shows.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: MCS CLAIMS SERVICES, INC
State: NJ

Complaint narrative:
I received a letter from MCS Claim Services ( see attached if possible ). I called to see why insurance didnt resolve this. They were being very rough with me on the phone so I calmly asked them to calm down and they slammed the phone on me. I believe that this claim wasn't correctly processed through both my primary and secondary insurances. I would gladly pay any balance after I have received written confirmation that both insurances processed the claim. The reference # from the Claim Service is XXXX. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need this information to be deleted because it is affecting me and it does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I need this information to be deleted because it is affecting me and it does not belong to me.

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 2023-09-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I received an American Express Virtual Reward Card in amount of {$29.00} which supposedly can be used with any merchant but no matter how many times I try to use it less than the value, it is still getting declined. The only transaction going thru is the security charges which doesn't mean anything to me. I am getting tired to trying to use this card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: IN

Complaint narrative:
I HAD ASKED THIS COMPANY MANY TIMES TO HELP ME WITH MY BILL DUE TO MY BEING A XXXX PATIENT I HAVE A {$300.00} CREDIT LIMIT AND HAVE PAID THEM OVER {$800.00} IN FEES AND LATE PAYMENT CHARGES! 
I HAVE OF MY OWN FREE WILL CANCELLED THIS CARD! 
THEY KEEP CHARGING OUTRAGEOUS FEES AND OFFER NO HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXP 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: VA

Complaint narrative:
This company continues to report inaccurate information regarding the actual amount owed. I spoke with XXXX XXXX on XX/XX/XXXX  and was told by representative, XXXX, that I had the option to pay them ( XXXX ) directly versus paying the debt collection agency ( Eastern Account Systems ). XXXX informed me that by doing this, Eastern Account Systems would report the updated balance and eventually have nothing to report, thus removing this information from my credit report. 
Eastern Account Systems continues to report inaccurate balances. They refuse to send me copies of the contracts and information to validate this debt. Representatives have been incredibly rude to speak with.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: TX

Complaint narrative:
I am a victim of Identity theft. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has fraudulent accounts on my profile that need to be removed immediately.

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 2023-09-28 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: TX

Complaint narrative:
I am a victim of Identity theft. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has fraudulent accounts on my profile that need to be removed immediately.

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 2023-09-28 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: PA

Complaint narrative:
I am a consumer. There is not a third party representing me. I have explained to TransUnion that I am not liable to pay this debt from XXXX XXXX XXXX, they inserted this debt on my credit file without ANY notification or communication to me that this debt belongs to me which is a violation of FDCPA code**** section****I DO NOT owe this debt and this company National Credit Adjust has failed to produce any evidence that I am the rightful owner of this debt with them. I have explained this to TransUnion as well as sent proof ( attached ) of a fraud affidavit from the FTC and a police report AND the affidavit from the FBI. As an added measure, I have sent proof to this company that I am the victim of fraud and they have ignored my request to delete this information and discontinue reporting to the credit bureaus. This company has used stall tactics by sending documents that I did not ask for. I have asked XXXX XXXX XXXX  to provide documentation of any information AND a contract with their name containing my original signature with them that I have signed. Additionally, I noticed that the date on the statement sent is from XXXX. This company is reporting that the date of the debt began XXXX of XXXX! TransUnion has received all of this information and they are knowingly still reporting that I owe this debt on my credit profile. The company has received my burden of proof ( attached ) and refuses to produce any evident documentation that I am the owner of this debt with them. These stalls and tactics are impacting and harming my life and the lives of my children and loved ones. TransUnion is in violation of several FCRA laws. This is a defamation of my character and damage to my financial life. As a citizen I would expect the very least and as a veteran I would expect some form of adherence to the laws which I have helped fight for in this country. I am once again demanding that TransUnion immediately and PERMANENTLY delete this information on this debt that I do not owe and discontinue reporting.I do not owe national credit adjust and they are in several violations of the FDCPA and TransUnion is in violation of several FCRA laws. I demand that TransUnion delete this stated fraudulent debt from my credit profile immediately.

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 2023-09-28 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: GA

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. 

Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 information is inaccurate.

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 2023-09-28 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
Equifax, I am a victim of identity theft and there was the below and attached unauthorized hard credit inquiry done- please have this removed immediately as this fraudulent inquiry is damaging my ability to obtain credit : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Attached to this complaint you will find : - drivers license - social security card - address - ftc complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I open an account in XXXX  and was explicitly told that regardless of balance that I would not incur any fees, as long as I had direct deposit set up for both checking and savings. Despite these reassurances, I was charged for six months unfairly. I attempted to bring this to Bank Of Americas attention And they refused to compensate me for the funds stolen from my account

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 2023-09-28 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: GA

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. I told XXXX, Trans Union and XXXX to investigate this account. XXXX XXXX XXXX that starts with XXXX. According to 15 USC 1681. Section 602A states that I have the right to privacy, Also 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnace an account without my written instructions Also 15 USC 1681C section ( 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 conviction of crimes, which antedates the report by more than seven years.

15 USC 1681S-2 ( A ) ( 1 ) A persons shall not furnish any information relating to consumer to any consumer report an agency, if the person knows or has reasonable calls to believe that information is inaccurate.

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 2023-09-28 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: GA

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. I told Experian, XXXX XXXX and XXXX to investigate this account. XXXX XXXX XXXX that starts with XXXX. According to 15 USC 1681. Section 602A states that I have the right to privacy, Also 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnace an account without my written instructions Also 15 USC 1681C section ( 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 conviction of crimes, which antedates the report by more than seven years.

15 USC 1681S-2 ( A ) ( 1 ) A persons shall not furnish any information relating to consumer to any consumer report an agency, if the person knows or has reasonable calls to believe that information is inaccurate.

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 2023-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: AL

Complaint narrative:
There was 4 transactions from my business account with Square/Block date ranges XXXX. Only one of the transactions were valid in the amount of {$800.00}. I have filed disputes for the remaining three of {$840.00} ( charged twice which transaction has been provisionally credited already ) and {$760.00}. The one in question of {$760.00} was denied and the reason stated was the card was used with chip and based on my response the card was in my possession. 

That is inaccurate, because I reviewed the form that I submitted, and it states that I responded to the question as the card was not in my possession, but I had made purchases with the merchant before. I have the screenshot of the form I submitted and the company 's response. 

I lost my wallet and yes the card was used after the time I presented the card for the valid transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: NJ

Complaint narrative:
The information is a result of identity theft the balance of {$2100.00} doesn't belong to me the phone number used, payments made and verification used was not done by me.

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 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is reporting inaccurate information on my consumer report. There are several nonmailable addresses on my consumer report. My name is also misspelled. I have asked Experian to update my consumer report and they have failed to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is reporting inaccurate information on my consumer report. There are several nonmailable addresses on my consumer report. My name is also misspelled. I have asked Experian to update my consumer report and they have failed to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-09-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Submitted a debt validation letter over a month ago no response pass the 30 days the creditor is to respond from my letter no response

Company response to consumer: Closed with explanation