vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by EQUIFAX regarding a Charge Off account XX/XX/XXXX# XXXX. This account was charged off in XXXX and closed. 

EQUIFAX violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$1400.00} and a High Balance/Credit of {$1600.00}. A Charge Off/Close Account must show {$0.00} balance. 

2. Delete this account, because it shows a Past Due Amount {$1400.00} and a Charge Off/Close Account must show {$0.00} Past Due. 

3. Delete this account, because it shows Payment History reported consecutively as Charge Off - L in XXXX, XXXX ; XX/XX/XXXX ; XX/XX/XXXXyear ; XX/XX/XXXX year ; Shows {$31.00} Schedule Payment Amount. A Charge Off/Close Account must show NO Payment history, consecutively as L or monthly payments reported on my credit report. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my EQUIFAX Credit Report and circled the violations, EQUIFAX violated in red color. 

EQUIFAX must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XXXX/XXXX/20 there was a fraudulent debit of - {$380.00} on my B of A XXXX card. I filed a claim with B of A the same day and on XXXX/XXXX/20 they replaced the stolen + {$380.00} and put it back in my account. On XX/XX/20 there was an adjustment debit made to my account for - {$380.00} from the State of XX/XX/XXXX XXXX Unemployment. I have spent over 20 hrs. on the phone with XXXX and with Bank of America neither company has an answer for me as to why this money has been taken from me or if I will be getting it back. The only answer I have gotten from B of A is that a supervisor is looking at my account and to keep calling back.

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 2020-10-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
An account was opened with the creditor on XX/XX/2019 and an amount of {$7600.00} was used fraudulently by whomever opened the account. I am a victim of Identity Theft and I have supplied the CRA ( credit reporting agency ), creditor, and law enforcement all relevant information, and yet, XXXX XXXX XXXX has failed to thoroughly investigate, and remove me from liability. They are in contempt of FDCPA guidelines and continue to fail to adhere to proper ethical banking standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian I had applyed for a duplex for rent and was denied do to experian NOT having info on me when ALL the others did i feel it is unfair and they need to update there system. To continue to do this is very harmful to consumers who have to pay for this transaction when they have NO INFO to offer. Please do something about this problem i can just inmagian how much money they have taken from consumers and offer NOTHING in return. 
I do have the letter the property managment sent out saying it was based on no info

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 2020-10-18 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: DISCOVER BANK
State: CA

Complaint narrative:
An account was opened with the creditor on XXXX/XXXX/2019 and an amount of {$7600.00} was used fraudulently by whomever opened the account. I am a victim of Identity Theft and I have supplied the CRA ( credit reporting agency ), creditor, and law enforcement all relevant information, and yet, Discover Financial Services has failed to thoroughly investigate, and remove me from liability. They are in contempt of FDCPA guidelines and continue to fail to adhere to proper ethical banking standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently completely paid off my Chase Sapphire card which has a {$11000.00} limit. Immediately after paying the card the limit was decreased to {$7100.00} roughly around XXXX. I have a Chase Freedom card that has had a very low balance of {$750.00} and had a limit of {$4000.00} and the limit has been reduce to what appears to be {$1200.00} around XXXX. I have never EVER missed or paid late on these cards or any credit account I've had in the last five years and take my credit very very seriously. There was absolutely no reason to lower my credit limits which has directly effected my cumulative credit limit amongst all my credit lines and has affected my score. I just opened a {$30000.00} car loan that's always paid on time WITH CHASE!! This is extremely upsetting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I Settled with my lender years ago on paying off the vehicle and now its some new lender i never heard of i see saying i owe them the total amount. I never was contacted by any one because this was settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed and submitted multiple complaints about XXXX XXXX inaccurate information on my credit report. XXXX XXXX is in blatant violation of the FCRA. They are reporting an account that has been charged off as an open account with late payments. XXXX XXXX has also deceptively changed the reporting history in this account and upon investigation keeps sending false information to the credit bureaus. It is plain to see XXXX XXXX are reporting 120 and 180 day late payments. The record also reflects there has been no payment om this account for 4 years. Which means 120 and 180 day late on my credit reports is inaccurate information and against the law. I have tried to resolve this many times with no resolution. By law per FCRA XXXX XXXX and Credit Bureaus must report accurately. They knowingly have not and thus continue to affect my credit and my life in a negative way. This information must be corrected to report accurately or I will be forced to take legal action against XXXX XXXX, XXXX, Transunion and 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 2020-10-18 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: TX

Complaint narrative:
I have disputed and submitted multiple complaints about XXXX XXXX inaccurate information on my credit report. XXXX XXXX is in blatant violation of the FCRA. They are reporting an account that has been charged off as an open account with late payments. XXXX XXXX has also deceptively changed the reporting history in this account and upon investigation keeps sending false information to the credit bureaus. It is plain to see XXXX XXXX are reporting 120 and 180 day late payments. The record also reflects there has been no payment om this account for 4 years. Which means 120 and 180 day late on my credit reports is inaccurate information and against the law. I have tried to resolve this many times with no resolution. By law per FCRA XXXX XXXX and Credit Bureaus must report accurately. They knowingly have not and thus continue to affect my credit and my life in a negative way. This information must be corrected to report accurately or I will be forced to take legal action against XXXX XXXX, Equifax, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
My CD matured on XX/XX/XXXX, a XX/XX/XXXX I called them on XX/XX/XXXX, a XX/XX/XXXX, to request the funds be returned. They said I needed to fill out a written authorization and that it needed to be mailed to me. No email or online option available to get my funds returned. 

I received the form on XX/XX/XXXX XX/XX/XXXX. It did not have a post paid return envelope like the letter said. I had to call ( second call ) to get the mailing address ( not posted anywhere online ). I mailed the form on XX/XX/XXXX, a XX/XX/XXXX I did not hear from the bank nor did I see a check cut by looking at activity on their webpage, so I called again on XXXX and asked status for funds being returned. They asked if I wanted a check mailed and I said I would prefer a ACH deposit. They do not provide that service so they said they would mail me a check. They deducted {$490.00} from my check as a penalty for not redeeming the CD during their grace period. 

Called XXXX ( third call ) and asked for a supervisor, explained the timing and asked that the {$400.00} penalty be refunded. Spoke with XXXX XXXX, Resolution Supervisor. She said she would call me within two days. Never heard from anyone.

Called again XX/XX/XXXX atXX/XX/XXXXon hold for over 30 minutes ( fourth call ) about status of check. I see online that they refunded the {$400.00} penalty. 24 days since CD matured! Spoke with XXXX again. She said she check on the problem and would call me back within an hour. 

Their policy makes it impossible for anyone outside of the XXXX area to redeem their CD within the bank 's grace period. It takes about two weeks to mail out a form, sign it and then mail it back to 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 monetary relief
Consumer complaint received 2020-10-18 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: TX

Complaint narrative:
I have disputed and submitted multiple complaints about XXXX XXXX inaccurate information on my credit report. XXXX XXXX is in blatant violation of the FCRA. They are reporting an account that has been charged off as an open account with late payments. XXXX XXXX has also deceptively changed the reporting history in this account and upon investigation keeps sending false information to the credit bureaus. It is plain to see XXXX XXXX are reporting 120 and 180 day late payments. The record also reflects there has been no payment om this account for 4 years. Which means 120 and 180 day late on my credit reports is inaccurate information and against the law. I have tried to resolve this many times with no resolution. By law per FCRA XXXX XXXX and Credit Bureaus must report accurately. They knowingly have not and thus continue to affect my credit and my life in a negative way. This information must be corrected to report accurately or I will be forced to take legal action against XXXX XXXX, XXXX, Transunion and 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 2020-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hello so I recently got scammed over XXXX. The backstory : I purchased a product through XXXX and a man said hed ship over the product after I send the money XXXX {$450.00} XXXX through XXXX. I sent over the money only for the man to then block me and not reply to any of my messages. I already filed a claim on XX/XX/XXXX through to Wells Fargo and Ive been utterly defeated ever since. Im a college student and I just wanted to know if theres any possibility at all that I might get my money back through the Wells Fargo claims process, or if Im just hopeless now. 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 explanation
Consumer complaint received 2020-10-18 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$59.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX # XXXX opened on XX/XX/2020 with a balance of {$59.00} -This is not 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 explanation
Consumer complaint received 2020-10-18 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: IL

Complaint narrative:
have ftc report filed report # XXXX XXXX XXXX XXXX  account XXXX is being reported buy 3 credit bureau the collection says XXXX dollers please remove this item i request all paper work showing other wise

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 2020-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$59.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2020 with a balance of {$59.00} -This is not 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 explanation
Consumer complaint received 2020-10-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$59.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$59.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Total Card, Inc.
State: MN

Complaint narrative:
I don't remember applying or using these guys at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a few inquiries on my credit report that is due to be removed in about 4 months and I would like them removed early. Please remove the following inquiries since they are due to fall off between XX/XX/XXXX and XX/XX/XXXX. A request to remove the following inquiries early : XXXX 's XXXX  ( XX/XX/XXXX ) and ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX ) XXXX 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 2020-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
have ftc report filed report # XXXXXXXX XXXX XXXX XXXX  account XXXX is being reported buy 3 credit bureau the collection says XXXX dollers please remove this item i request all paper work showing other wise

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 2020-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc.
State: MN

Complaint narrative:
I don't remember applying or using these guys at all.

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