vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have XXXX debit card with bank of America XXXX accounts under that card XXXX checking account and XXXX saving account so through their app on my phone I made {$800.00} transfer from my checking account to my savings account, I clearly selected my saving account for the XXXX to go to but after i made the transaction the XXXX did not appear on my savings account instead it went to an account i had no idea existed nor do i have access to that account, I was tricked into this. this happened to me on XX/XX/year>, it is now XX/XX/year>. I've been calling them since XX/XX/year>, but I am being passed around to different customer representatives that have no clue what they're doing they're just as confused as I am. As of now I have no idea where my money went nor am I being refunded.

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 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied and was approved for a CITIBUSINESS / AADVANTAGE PLATINUM SELECT CARD in XX/XX/XXXX. This card offered a signup bonus of XXXX miles after spending XXXX USD in 6 months of card opening. I met these requirements within the first 2 weeks. Multiple chat agents confirmed in XXXX, XXXX, and XXXX that I've fulfilled the requirements successfully and to expect the promotional miles will be deposited in my Aadvantage account within 8 weeks ( from XXXX ). After almost 5 months of waiting, I still have not seen these miles. Multiple follow ups with Citi ( in XXXX, XXXX, XX/XX/XXXX ) went unheeded with no resolution whatsoever. 

This is unacceptable since I entered into a contract with Citi and fulfilled my end of the requirements almost instantly. 

Citi representatives also promised an additional XXXX miles as a courtesy to make up for the delay in depositing the original bonus but I haven't seen that either.

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 2024-03-26 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: PA

Complaint narrative:
I am writing to formally dispute an inquiry on my credit report. After reviewing my credit report, I believe this inquiry is inaccurate/unauthorized.

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 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Throughout, I've made certain payments on this account are promptly settled, avoiding any overdue status. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a business credit card linked to my business checking account at Wells Fago. In XXXX, Wells Frago converted my credit card from XXXX to XXXX without my request. When I tried to download my credit card transactions to do my taxes for XXXX, Wells Fargo would only give me access to the Mastercard transactions that represent my charges in XXXX and XXXX. They did not provide access to my transactions from XXXX to XXXX through XXXX. I contacted Wells Frago and they said the only thing they were willing to do was to send me PDFs showing transactions through XXXX. I now have to keyboard in dozens, if not more than XXXX transactions. Here is the email sent by Wells Fargo prior to changing my credit card provider : " On XX/XX/XXXX, your current Wells Fargo XXXX XXXX XXXX XXXX will be converted to a Wells Fargo XXXX XXXX Credit Card, with enhanced XXXX XXXX XXXX benefits. 

What you need to know : Your new XXXX account will be visible in online banking before the card is mailed. 
Continue using your XXXX card until your new XXXX arrives. 
Your XXXX will be mailed between XX/XX/XXXX and XX/XX/XXXX, please allow XXXX business days for delivery. 
Your new card will have a new account number, expiration date, and security code.1 Once your new card arrives, confirm receipt at XXXX, or by calling XXXX. 
Your current XXXX will be deactivated after you confirm receipt of your XXXX, or on XX/XX/XXXX, whichever is first. 
Destroy your old card and any XXXX tied to the old account. 
Replace the card in your digital wallet2 and update your account details with merchants that charge your card automatically or have your card details on file.1 Review and update any alerts in online banking.3 ''

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 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've consistently made sure payments are on time for this account, never allowing them to be overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: DC

Complaint narrative:
Cfpb complaint inaccurate information I am listing account below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

This company is reporting inaccurate high credit amounts, Last reporting dates, Date last Active, and Date of last payment. In pursuant to 15 U.S.C. 1681 Congressional Findings, 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.

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. 

XXXX XXXX XXXX Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Cant access my credit score or get my free credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: UT

Complaint narrative:
I am the victim identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-03-25 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: DC

Complaint narrative:
I recently checked my credit report and noticed that there is in accurate personal information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: DC

Complaint narrative:
I recently checked my credit report and noticed that there is in accurate personal information on 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 2024-03-25 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My old email and phone number have been compromised. This resulted in credit accounts being created, used, and accessed in my personal name without my permission. I have not approved application or any of these negative charges now showing on my credit report. I do not understand how someone was able to so easily access my information and open these accounts. I declare that I do now have ownership of any fraudulent activity used under my information and I request it to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My old email and phone number have been compromised. This resulted in credit accounts being created, used, and accessed in my personal name without my permission. I have not approved application or any of these negative charges now showing on my credit report. I do not understand how someone was able to so easily access my information and open these accounts. I declare that I do now have ownership of any fraudulent activity used under my information and I request it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: GA

Complaint narrative:
My old email and phone number have been compromised. This resulted in credit accounts being created, used, and accessed in my personal name without my permission. I have not approved application or any of these negative charges now showing on my credit report. I do not understand how someone was able to so easily access my information and open these accounts. I declare that I do now have ownership of any fraudulent activity used under my information and I request it to be removed.

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 2024-03-25 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: PA

Complaint narrative:
According to FCRA XXXX, we're required to expunge any erroneous accounts from my credit report. Could you please examine the documents? Some of the listed accounts are inaccurately reported.

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 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Consistently, I've maintained timely payments on this account, ensuring they never fall into arrears. I'm unclear why there are indications of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections ought to be made.

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 2024-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, 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 non-monetary relief
Consumer complaint received 2024-03-25 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: FL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, 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 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
These accounts were not initiated by me, and I strongly believe they are fraudulent. I kindly ask that you conduct a thorough investigation and remove them from my credit report accordingly. I have provided documentation to supporThese accounts were not initiated by me, and I strongly believe they are fraudulent. I kindly ask that you conduct a thorough investigation and remove them from my credit report accordingly. I have provided documentation to support my claim.t my claim.

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 2024-03-25 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: DC

Complaint narrative:
Cfpb complaint inaccurate information I am listing account below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

This company is reporting inaccurate high credit amounts, Last reporting dates, Date last Active, and Date of last payment. In pursuant to 15 U.S.C. 1681 Congressional Findings, 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.

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.

This Conpany is reporting inaccurate opening dates, inaccurate High Credit limits, inaccurate Credit Limit, Last Reporting Date, inaccurate Date Last Active, inaccurate date of Last Payment. Each constitutes as a violation and has cause me and my family emotional distress and financial harm. 

XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Cease and Desist, Notice to XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, North Carolina [ XXXX ] XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, SC XXXX To Whom it May Concern : I received a reply to my conditional acceptance dated XX/XX/XXXX and in my request I had a total of XXXX items that I requested, in order to verify the debt and to provide me with the complete disclosure of the accounting and how you came about my account details. You failed to send me any of the information I requested, and I have also attached the original notice in case you may not have understood the request. What you did send me was a monthly billing statement from XXXX who is supposed to be the creditor for the account ending in XXXX. The document shows the closing date of XX/XX/XXXX. This document is XXXX years old and doesnt disclose proof of an actual security agreement with Surge, LVNV Funding LLC or with your company Resurgent Capital Services . 

Your cover letter has your name on the top right header but in the description of account box it shows the original creditor as XXXX Bank, the current owner as LVNV Funding LLC, and again the monthly statement from XXXX. At this point I am confused with all the different companies involved and you have failed to provide substantive information that validates that I am responsible for a debt to YOU. I have also attached the notice dated XX/XX/XXXX that was sent to me stating LVNV Funding LLC wasnt servicing the account any longer as of XX/XX/XXXX. 

You have sent me a billing statement showing XXXX as the creditor and that document is from XXXX. This doesnt validate that I have a debt with your organization. I have no knowledge of a contract with you, and I have no obligation to a servicer or a debt collector who has purchased the debt. You are not a party of interest, holding a security agreement and you can not rightfully enforce your financial claim under U.C.C. - ARTICLE 3 3-301. Under 15 U.S.C. CHAPTER 41, SUBCHAPTER V 1692 ( g ) ( part b ). You are hereby given notice and blatant disregard for this law is subject to fines by the Federal Trade Commission ( FTC ). Since you have failed to prove validity, you are required by the Fair Debt Collections Practices Act ( FDCPA ), to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. I want this removed from my credit report/file and for you to cease and desist harassing me, you have a legal responsibility. I have also uploaded this and your correspondence with the CFPB. 


Thank you, XXXX XXXX Without Recourse

Company response to consumer: Closed with explanation