vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Once again, the CFPB do not allow us to update the complaints that we file, so here adds another one for Bank of America.

Again, I've had 4 calls with different BOA reps since I filed the last complaint.

They are telling me that our claims of XX/XX/XXXX and XX/XX/XXXX are too old. I've attached a copy of a XXXX document that shows we started this nightmare in the month of XX/XX/XXXX. We demand every since XXXX  due to the fact that XXXX has completely blocked us for accessing material. 

I've also attached a document from XXXX XXXX XXXX. I've circled her most important statement. She said, " I can see that multiple charge-backs were initiated for several orders, each involving different sellers. Have in mond that as a result those funds are no longer with XXXX and are now managed by your payment provider. 

Now our payment provider is Bank of America. XXXX clearly stated, once we filed the complaint the funds are no longer with them but with BOA.

Now we have been at this issue since the beginning of the year and it has been going on for far too long. As I told a BOA rep, if XXXX was a XXXX, we would instruct our attorney to sue this company. They are not, thus we have to come back to our banking partner. The same partner that has a message into the the bank that they stand by their customers. 

In closing, again this started in XX/XX/XXXX and we are about to go into XXXX. That is SIX MONTHS! How much time do BOA need to investigate this issue?

And we demand all funds from XX/XX/XXXX to XX/XX/XXXX. 

And I was also told by a rep yesterday that BOA has collected around {$1100.00}. We want to know why are they holding it and not depositing it back into our account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These loans have been in consilidation but showing close on credit reports. I would like for the item to be removed. 

15 US CODE 1692 ( C ) If a consumer notifies a dept collector in writing that consumer refuses to pay a dept or that the consumer wishes the dept collector to cease further communication with the consumer, the dept collector shall not communicate further with the consumer with respect to dept.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These loans have been in consilidation but showing close on credit reports. I would like for the item to be removed. 

15 US CODE 1692 ( C ) If a consumer notifies a dept collector in writing that consumer refuses to pay a dept or that the consumer wishes the dept collector to cease further communication with the consumer, the dept collector shall not communicate further with the consumer with respect to dept.

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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Amount XXXX XXXX. XXXX These loans have been in consilidation but showing close on credit reports. I would like for the item to be removed. 

15 US CODE 1692 ( C ) If a consumer notifies a dept collector in writing that consumer refuses to pay a dept or that the consumer wishes the dept collector to cease further communication with the consumer, the dept collector shall not communicate further with the consumer with respect to dept.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Amount XXXX XXXX. XXXX These loans have been in consilidation but showing close on credit reports. I would like for the item to be removed.

15 US CODE 1692 ( C ) If a consumer notifies a dept collector in writing that consumer refuses to pay a dept or that the consumer wishes the dept collector to cease further communication with the consumer, the dept collector shall not communicate further with the consumer with respect to dept.

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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2024-07-31 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: OneMain Finance Corporation
State: NY

Complaint narrative:
Through XX/XX/XXXX through XX/XX/XXXX are a handful or credit reports I never personally authorized to check my store or to know what my financial status is at that current moment. Anyone online can get information and try fraud under the radar unless you keep up on things.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
THIS IS AN ONGOING ISSUE WITH TRANSUNION. YOU CAN NEVER UNFREEZE CREDIT WHEN YOU NEED TO. XXXX AND XXXX ARE SO EASY TO NAVIGATE TO FREEZE OR UNFREEZE CREDIT. TRANSUNION ALWAYS, FOR YEARS, SHOWS 'WE ARE HAVING PROBLEMS ' CALL A NUMBER. THEY SHOULD BE FINED AND MADE TO MAKE THIS PROCESS EASY AND SIMILAR TO OTHER AGENCIES.

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: NV

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2024-07-31 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: NV

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as i am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

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

Complaint narrative:
On XX/XX/XXXX I had a joint checking account and stock account with Merrill lynch on XX/XX/XXXX Merril lynch informed me they would be shutting down my account they said I could close positions.

This was not true I was not able to do anything online.

Without informing me as they should by email as outlined in their client engage agreement they sent me stock certificates and charged me XXXX {$920.00} XXXX  and XXXX XXXX  and the XXXX dollars was for XXXX dollars in stock. This was from my checking account. 
On XX/XX/XXXX I spoke to senior resolution specialist XXXX XXXX and he said they sent a letter by regular mail that I did not receive that they would do such actions asked him repeatedly for information where it says that in the agreement and he refused to answer me and just told me to read it and in fact they are required to at least send me in email notification which they did not.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc
State: VA

Complaint narrative:
I disputed the inaccurate information multiple times and requested validation and methods used for verification. Checkr only sent me electronic reports ( no validation ). I spoke with the company to opt out and freeze reporting with Checkr. Checkr responded by stating the company can not freeze reporting and that if a company seeks a report they would repeat their process of releasing my private information. I notified checkr that they do not have my consent to access any of my information nor use any of my private information. I invoked all of my rights yet Checkr violated all of my rights and privacy. Checkr caused damages and harm by continuously reporting inaccurate and unfair and false information and reports. Checkr uses unfair practices. Checkr refuses to send their method of validation. Checkr refuses to verify the information and reports. Checkr have not acknowledged my requests. Checkr has violated my rights and all of the consumer laws and protections. Checkr repeatedly stated they would get information using public information sources and XXXX records. Those methods are not accurate or without error. Checkr has a requirement and legal responsibility to prove that the records or information that they obtain and report is 100 % accurate. I have reported to Checkr that the records are inaccurate to no avail. So Checkr will continue to violate me and other consumers willingly. I do not have any public information so its not accurate and i never gave XXXX permission or consent to contract on my behalf. I never gave XXXX XXXX to release any information. If I am telling Checkr and its representatives that records are inaccurate, fraudulent, or incorrect then their should be a process to remove the records. What this company, Checkr, has done is ignored and disregarded everything I stated and Checkr chooses to ignore the disputes. I submitted the disputes in every way Checkr allows which is by phone and via their website. Another unfair practice Checkr uses is they want the consumer to dispute multiple times although they are providing the same reports to different companies. I reserve all of my rights.

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: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I got letter from TD XXXX XXXX XXXX with promotion- if I spend {$500.00} in 90 days I will get {$200.00} bonus-I apply and get the card and I make purchase for $ XXXX and when I called about my bonus- they told me I don't get bonus because I get already bonus last year with the same offer- but I cancel the card last year -and this year I got letter from credit card to apply with promotion-credit card never mansheen to me you will not getting {$200.00} because last year you got promotion even I cancel my card-Please help me to get promotion-THANKS

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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX This loan been in consilidation but it shows a closed account. Can this item please be removed.

15 U.S 1692c If a consumer notifies a dept collector in writing that consumer refuses to pay a dept or that the consumer wishes the dept collector to cease further communication with the consumer with respect to such dept.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to report a Chase bank branch location released my personal information to an unauthorized third-party who came in demanding my personal information. I called the bank in which they of course denied releasing out my personal information. I have proof that during the time this individual returned to the bank, an individual called my phone number two times and a relative 's number one time on this person 's behalf. This individual even told me that they were able to get my information from this bank. I am writing to report my personal information being given to an unathorized individual and want to know of the best way to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they couldnt provide any information with a physical signature these accounts are mine they are harassing me and constantly calling from unknown numbers

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: GA

Complaint narrative:
Why do the negative accounts still remain on my credit report until now? I want them removed. If no action is taken regarding this, I will sue and fine you accordingly.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

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 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: VA

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