vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-31 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: AL

Complaint narrative:
Hello, i recently tried to obtain a copy of my credit report, but its completely blank. i spoke to a representative and he advised me to provide my current address. However, the call was disconnected. Im simply asking for an update to the appriopate address that should reflect on my credit. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/year> someone changed all my personal information address, phone number, email and they took over my Capital One application. They started using my cards, I reported to them they put a fraud department until I was able to verify my information which because my driver 's license was expired I was able to renew my driver license until XXXX XXXX meanwhile, I didn't have access to any of my information. I called them on in the middle of XXXX to provide them with my driver 's license. They had do the whole verification process which they did. After verifying my identity, they switched all my information back to the original one. On XX/XX/XXXX They let them again switch all the same information to their information and started using my card again. NO one had my ID but Capital One. They let them take over my account. They even send them my credit cards to their address. When I specifically told have my account in high alert I will never change my mailing address or phone number. I didn't know how it was possible for them to let them change everything and when I notified them I had to do so many verifications. Is affecting my credit report. 

I have two credit cards with Capital One they took over both of them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Servatus Corporation
State: TX

Complaint narrative:
Original creditor transferred debt to collection agency. Debt first became delinquent in XXXX XXXX XXXX XXXX XXXX has attempted to re-age debt by showing it was first opened or first became delinquent in XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: TX

Complaint narrative:
I am writing to express my serious concern regarding several disputed accounts on my credit report. Despite multiple requests for a thorough investigation into these inaccuracies, I have yet to see any resolution or corrective action taken. These erroneous accounts are severely damaging my credit file and significantly hindering my ability to live a normal life. 

The negative impact of these inaccuracies has caused immense hardships, and I am left with no choice but to urgently seek your assistance in rectifying this situation. I kindly request that a thorough investigation be conducted into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account was opened on following date : XX/XX/XXXX, and have continued to be reported for date opened XX/XX/XXXX for balance of {$1000.00}. This is inaccurate date reporting and balance. This is inaccurate payment history reporting. This inaccurate information falsely manipulates my credit worthiness and its hurting my ability to obtain credit. XXXX, XXXX, and TransUnion failed to investigate this account properly afterI repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX Account number # XXXX amount {$1000.00}.

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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account was opened on following date : XX/XX/XXXX, and have continued to be reported for date opened XX/XX/XXXX for balance of {$1000.00}. This is inaccurate date reporting and balance. This is inaccurate payment history reporting. This inaccurate information falsely manipulates my credit worthiness and its hurting my ability to obtain credit. XXXX, Equifax, and XXXX failed to investigate this account properly afterI repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX Account number # XXXX amount {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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:
I am writing to delete the following information on my credit report. The items I need deleted are listed in the report, I am a victim of identity theft and did not make these charges. I ask that the items be deleted immediately to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items 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 2024-07-31 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information on my credit report. The items I need deleted are listed in the report, I am a victim of identity theft and did not make these charges. I ask that the items be deleted immediately to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : these are the dates I called to fix the issue but issue was never resolved. 
Paid to XXXX : XXXX Worked with XXXX and got refunded. XXXX from the above amount Disputed XXXX with U.S bank and got provisional credit. 
Later U.S Bank recharged XXXX without confirming with me. 
Called multiple times the bank as mentioned above but didnt get help After figuring out the actual amount charged by XXXX was XXXX. Then bank credited XXXX. Later bank charge me back XXXX without confirming with me and didnt ask what happened and closed my case. 
Since the total was XXXX and bank re-charged me XXXX again, they still owe me XXXX instead of XXXX Ive spoken to supervisors and each time I call them I have to start from scratch explaining all over again and providing all the details, and they simply dont listen. They tell me I would get a call back within 48 business hours and it happened once me calling multiple times. I requested the person to send me a letter requesting proof of my receipts and she agreed but she didnt send it. After that, I have called again multiple times and never heard 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 2024-07-31 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: MD

Complaint narrative:
I've recently receive a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-07-31 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: MD

Complaint narrative:
I've recently receive a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 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: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry 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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: TX

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The firm XXXX, XXXX, XXXX XXXX XXXX XXXX ( XXXX ) has indicated they are suing me for a debt owed to XXXX XXXX XXXX. 

They filed the attached with the court claiming I owe the same amount to Bank of America. 

I am extremely confused as you can see XXXX 's internal index number ( their XXXX XXXX  ) is the same on both the summons and complaint for XXXX and the affidavit from Bank of America. 

I do not bank with Bank of America, have no history with Bank of America. 

In addition, I am disputing the debt from XXXX. 

It therefore seems that XXXX does not properly review their files, and this is evidence of this fact. They seem like they are some kind of boiler room for debt, trying to collect without any care for facts.

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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-07-31 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Good afternoon, I am writing to seek assistance with a critical issue involving my Bank of America account, which has severely impacted my financial situation. 

On XX/XX/XXXX, I borrowed a loan against my XXXX plan from XXXX XXXX XXXX, facilitated through my employer, for a total amount of {$16000.00} due to a financial emergency. I received the check on XX/XX/XXXX and promptly deposited it at a Bank of America ATM located at XXXX XXXX, XXXX, TX. I was informed that the deposit might take a couple of weeks for verification, with an expected availability date of XX/XX/XXXX. 

However, on XX/XX/XXXX, I discovered that I had lost access to my Bank of America account. Despite attempting to reset my password, I was unable to regain access. Upon contacting Bank of America, I was informed that my account had been closed, and all assets frozen, due to the deposited check being flagged as fraudulent. I was shocked as I received no prior notification or consent regarding this action. 

Following this, I contacted the company responsible for managing my XXXX loan, which confirmed that there were no issues from their side and that the check had been cleared. Despite multiple attempts to resolve the matter with Bank of America, including visiting the local branch at XXXX XXXX XXXXXXXX, TX, I was informed that the decision was final and made by a separate department, leaving me without recourse. 

On XX/XX/XXXX, I learned that I could submit documentation of the loan details to the Risk Department Supervisor at Bank of America. I promptly provided all relevant paperwork, including a copy of the check, at the same branch, hoping to resolve the issue swiftly. Unfortunately, despite these efforts, there has been no progress, and my account remains inaccessible. 

The freezing of my account has not only deprived me of the loan amount but also blocked access to my pre-existing funds and a paycheck received on XX/XX/XXXX. This situation has exacerbated my financial difficulties, leaving me unable to pay essential bills, including utilities and housing costs. 

I urgently request your assistance in resolving this matter. I am willing to provide any additional information or documentation necessary to facilitate this process. The current situation has placed me in an untenable position, and I appreciate any support or guidance you can offer to help me restore access to my funds. 

Thank you for your attention to this urgent matter. 

Sincerely, 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 monetary relief
Consumer complaint received 2024-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Complaint Against Wells Fargo for Deceptive Practices and Fraudulent Consumer Behavior To Whom It May Concern, I am writing to formally lodge a complaint against Wells Fargo Bank regarding their deceptive practices and fraudulent behavior towards customers. Wells Fargo advertised a {$320.00} reward for opening a new account, a key factor in my decision to bank with them. However, after following all the stipulated requirements and opening the account, I was later informed that this service and reward were not available. 

This is a clear case of consumer fraud, as the banks initial promise was not honored, and their subsequent response to my complaint did not address or resolve the issue. Such practices not only deceive customers but also erode trust in the banking system. 

I request that Wells Fargo be held accountable for their actions and that appropriate measures be taken to ensure they rectify the situation by providing the promised reward. Additionally, I urge a thorough investigation into their advertising practices to prevent further consumer deception. 

I am also submitting this complaint to the XXXX XXXX XXXX XXXX XXXX XXXX  and the Consumer Financial Protection Bureau ( CFPB ) for further review and action. 

Thank you for your attention to this matter. 

Sincerely, 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