vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

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. 

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 has violated my rights.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 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: LEXISNEXIS
State: TN

Complaint narrative:
I called Lexis Nexis yesterday XX/XX/XXXX, to check the status of a dispute letter dated XX/XX/XXXX. Your representative informed me that my letter had not been received. Attached is an updated version of that same letter. I am formally disputing personal information, criminal records, and small claim judgement claim reporting on my credit report with Lexis Nexis. These records are negatively impacting my creditworthiness, thereby hindering my ability to access business funding and other financial opportunities. I have also sent this letter certified mail along with identification verification documents and FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
This account is closed and also not on my reports with XXXX or XXXX. Acct # XXXX. - XXXX XXXX ... This needs to be removed immediately. It has been reported pass the XXXX yr rule. 





This Acct needs to be removed immediately. Open date and balance are incorrect. 
Acct XXXX XXXX. XXXX. 
I did not open an account with this company..Remove this 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 2024-04-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CHARLES SCHWAB CORPORATION, THE
State: GA

Complaint narrative:
On XX/XX/2024, I opened a checking and brokerage account with Charles Schwab and I got approved on XX/XX/2024 for Level 1 Options trading and received confirmation that my account was fully ready on XX/XX/2024. On XX/XX/XXXX, I received an email stating that during a recent review, Charles Schwab found that the brokerage account doesn't meet Schwab 's business guidelines and that they were closing the account. I haven't used the account nor do I have any illegal or unusual activity with this account nor with any bank for that matter. Charles Schwab has failed to provide the basis for closing my account and I am considering arbitration or litigation if necessary. The only plausible reason that I can think of as I don't have any issues with other banking institutions, is a current settlement agreement with XXXX XXXX where XXXX XXXX failed to remove the information from a closed account from XXXX XXXX XXXX XXXX XXXX within XXXX days after our arbitration as my account was closed for excessive overdraft fees though during my transactions, my account was actually showing a positive balance. I am actively pursuing litigation against XXXX XXXX for breach of contract for failure to adhere to our agreed stipulation in our settlement agreement and I believe this is the reason that Charles Schwab closed my account even though I was initially approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: NY

Complaint narrative:
XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Ive been trying to resolve these inquiries since XX/XX/XXXX still havent received any resolution from Equifax these inquiries damaged my credit report Im not able to access funding because of my credit I would like them to be removed promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
They charge me so much and monthly fees I can not catch up. I asked him to explain why they are charging me so much in fees and they never have an explanation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts Listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : - ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - ( 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 XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
As an XXXX spouse so this has been a nightmare for our family. On or around XXXX XXXX someone kept using my best buy Citi bank card and kept making unauthorized transactions. Best Buy supposedly investigated and I am somehow on the hook for said items I do not have. I'm stuck paying for a XXXX item. I issued to cancel the card and yet my account was still being used to make more purchases, I believe the last purchase went through for about XXXX bucks. I have already been given XXXX new cards and yet nothing has changed. I have suspicion that someone at the best buy store or maybe online some how got ahold of my account because how can I be at work and at Best buy store at the same time. Just about XXXX weeks ago Best Buy sent me a new card again, not sure where to go from here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
WE ARE : XXXX XXXX XXXX and XXXX XXXX XXXX, co-conservators of XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Branch of Bank of America ( B of A ). 
XXXX XXXX is Power of Attorney for XXXX XXXX ; signed and notarized XX/XX/XXXX. This POA is on file with B of A. XXXX pays the XXXX 's bills including Share of Cost checks to the nursing home where XXXX lives. 
THE PROBLEM : When we became conservators XXXX and I went to B of A ( XX/XX/XXXX ) to register the Letters of Conservatorship and open the court required Conservation account. We hoped to continue banking at that branch. The meeting did not go well. By the beginning of XXXX, XXXX, the bank had : 1. Refused the Letters of Conservatorship. Demanded that the Letters be changed. 
2. Cancelled XXXX 's POA because : " You showed us this ( the Letters ) and this deletes POA. '' 3. Frozen the conservatee 's account. The bank is now " taking care '' of her ( her NAME is : XXXX XXXX XXXX ). 
4. Contacted the nursing home where XXXX lives. The banker told staff : a. Determined that Share of Cost checks written by the POA to the nursing home would no longer be honored by B of A. 
b Instructed the nursing home to access payment directly from XXXX XXXX 
c. Opened a Financial Abuse case. We've received no information on this - just gossip. 
d. Slandered the conservators by telling random nursing home staff debits for clothing were financial abuse. A nursing home resident, " doesn't need much. '' Every past debit is evaluated as " financial abuse. '' This unacceptable slander places XXXX 's health care in jeopardy. XXXX  nursing homes do not prefer XXXX customers . Good will between nursing homes and for Conservators of XXXX XXXX is fragile. 
5. Refused two Share of Cost payments written by the POA to the nursing home.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had inaccurate personal information on my report. 

The following information is inaccurate Phone Numbers : 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 2024-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I deposited a check via mobile app and it reversed and is showing an administrative hold for a very long time. This is a reg cc violation and I will pursue punitive damages. 

The check needs to clear on the next business day like it always does. Nobody will tell me why there is a hold and I can not /will not wait that long for the check to be cleared into my account. It is a check from a XXXX XXXX XXXX account that currently has a positive balance in the millions and has been verified Therefore XXXX morning I expect to see my deposited check reflecting on my balance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: FREEDOM FINANCIAL NETWORK
State: WI

Complaint narrative:
I entered into an agreement with Freedom Debt Relief ( FDR ) : XXXX ) I authorized FDR to take {$170.00} in ACH payments and to access my account on the XXXX of each month. 

XXXX ) The debt amount was for {$9300.00} -only- ; and that if I signed with FDR, I would be paying roughly XXXX  % of the debt -only-. That FDR would charge for their services and that there was a XXXX TIME banking fee for setting-up the bank account for the ACH withdrawals. 

XXXX ) I cancelled my program with FDR on XXXX, XX/XX/XXXX. 

XXXX ) I informed FDR on XXXX, XX/XX/XXXX, that although I was able to log into my account, no information on my account was accessible.It still is not accessible. 

XXXX ) On XX/XX/XXXX, FDR accessed my account and on the XXXX withdrew {$170.00} via XXXX. 

XXXX ) On XX/XX/XXXX, I had to call FDR XXXX times before I could speak with a supervisor in an effort to resolve this mess ; I was told by a FDR supervisor that the XX/XX/XXXX ACH withdrawal would be returned. 

FDR has broken the agreement. 

a ) FDR accesses my account on the XXXX of every month and on some months withdraws the ACH payment on the XXXX. 

b ) Although the debt amount was {$9300.00}, because FDR did not attempt to negotiate all my debt when I signed my agreement with them, several higher amount cards have accumulated ate penalty fees and etc. Those card amounts have each increased over {$1300.00} each and I am now responsible for the increased credit card amounts as well as the FDR fees on those amounts. 

c ) The XXXX TIME banking fee is a recurring banking fee. 

d ) The increased debt amount has brought my initial debt to over {$15000.00} from {$9300.00}. 

XXXX ) To date I have paid over {$1000.00} to FDR, which should have gone to my creditors, but instead has gone to FDR for banking fees and for settlement amount fees over the initial debt amount. 

f ) On XX/XX/XXXX, FDR accessed my bank account placing a HOLD on {$170.00} once again g ) On XX/XX/XXXX, FDR withdrew {$170.00} from my account, even though there was no longer an agreement with FDR. The program agreement had been cancelled with an FDR representative on XX/XX/XXXX. 

FDR continues to access my bank account even though there is no longer an agreement.

FDR has in XXXX-year charged me an extra {$1000.00} which should have gone to my creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
It is illegal to report transaction history. Reports containing solely information related to transactions are to be excluded from a consumer report and undermine my privacy rights and withdrawn consent. 

The mailed and unaddressed letter listing the offending accounts is attached. No action has been taken by the CRAs in spite of the duties provided by the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On or about XX/XX/year> i sent Transunion a Dispute letter asking them to investigate these charge off accounts that were closed and dismissed! They continued to verify the accounts when in fact they are unverifiable and inaccurate! A consumer reporting company may not provide a consumer report under FCRA section 15 USC 1681b ( a ) ( 3 ) Permissible Purposes for Furnishing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Hi, My account was locked for XXXX  days for security reasons and because of this I couldn't just setup a regular external transfer but I had to do a wire transfer. Now I see that there was a {$15.00} incoming wire fee which dropped my new money of {$15000.00} to {$14000.00} ( making me the offer expire ). Can we rectify this as I called XXXX times for my account access but was ensured that I would get access in XXXX hours? 

Chase responded with they can not see if I am going get the {$600.00} but to just wait after XXXX days. I find it odd that my account was locked for XXXX days making me unable to setup a transfer in time for the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
15 USC 1681 Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

15 USC 1681 b A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law 15 USC 1681A Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility XXXX Charge off Account number XXXX XXXX XXXX Removal of late payments Account number XXXX XXXX XXXX of late payments Account Number XXXX XXXX XXXX  Removal of late payments Account number XXXX XXXX XXXX XXXX Removal of late payments Account number XXXX XXXX XXXX Removal of late payment XXXX XXXX XXXX Closed account Account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 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: FL

Complaint narrative:
There is diferents SSN in my credit report, and that show my credit report resut for identity theft.I formally request that the following inaccurate items be immediately investigated.They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days. 
I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.Please send me my updated report as soon as your investigation is completed. I personally signed and sent this letter. Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/24, I received an email from Chase stating that they are going to close all of my accounts. I was a bit confused, so I called Chase. They confirmed that they will close all XXXX of my credit card accounts. I was shocked, so I asked them about the reason, but they did not tell me and only said it was their final decision and they wouldn't be able to reopen the accounts. 

I was confused because I have been a loyal customer to Chase for XXXX  years, always paying all my bills on time and never having any late payments. My credit usage is neither very high nor too low, and I have not abused any of the credit card benefits or rewards. The only recent action I took was opening an authorized user account for my father, but he is my only authorized user on my account, and I'm not abusing the additional user feature. 

By closing my accounts, my credit card report could be damaged. Chase is XXXX of my earliest credit card accounts, and I sincerely hope they do not do it.

Company response to consumer: Closed with explanation