vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-26 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: GA

Complaint narrative:
The Credit bureaus stated my account was properly investigation but how is that possible if the balance, status of account, the date last active is inaccurate, and date last reported is not accurate. They also aren't providing me with an updated credit report. ( XXXX & Eq ) This ground for removal they also violated my rights under 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I ordered a pair of shoes from a third-party seller called XXXX, but they turned out to be fake. Despite multiple requests for a shipping label, they ignored me, forcing me to contact Amex for help. After about a week, they finally provided a label, but I was out of town at the time. Once I returned, I promptly sent the shoes back, and the merchant approved the return. However, I still haven't received a refund or credit, leaving me with a bill to Amex. They refuse to waive the charge due to the merchant 's three-day return policy, even though I repeatedly asked for a shipping label to return the counterfeit shoes. It feels unfair that I'm stuck with this bill when the merchant is unresponsive and I was the victim of their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: VI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXX {$7500.00} XXXX. XXXX XXXX {$24000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received my credit statement from Bank of America ( Allegiant card ) in XXXX and my card had a + {$400.00} credit balance and it was applied or my balance of which a $ XXXX payment was due. I assumed my credit balance would cover my payment so I did not send one. My error I guess. I get the XXXX billing statement I have a late fee. The payment was due by XX/XX/XXXX I believe. I made a payment on XX/XX/XXXX of {$250.00} ( far more than the required amount ) On XX/XX/XXXX I get an email from BOA they had lowered my available credit from {$12000.00} to {$2100.00}. I called them and told them to cancel the card ( who would lower credit amount that quickly? ) I also went on an paid another {$250.00} on XX/XX/XXXX in case I had messed the first one up. On XX/XX/XXXX I went in and paid my balance due of {$1900.00} apx. I went in around XX/XX/XXXX or so and saw I had a balance of + {$500.00} credit on my close account. I asked them to credit that to my bank. The reason for my email to you today is that today I received a bill from bank of American saying I owe them {$27.00} interest and that is for a billing date of XX/XX/XXXX. On XX/XX/XXXX I had a credit for of + {$500.00} and I had already closed the account so there is no way I owe them {$27.00} as my account was 100 % paid before the end of the billing cycle. Please help.

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 2024-10-26 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: GA

Complaint narrative:
The Credit bureaus stated my account was properly investigation but how is that possible if the balance, status of account, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: GA

Complaint narrative:
The Credit bureaus stated my account was properly investigation but how is that possible if the balance, status of account, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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

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 2024-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The Credit bureaus stated my account was properly investigation but how is that possible if the account doesn't belong to me, the balance, status of account, and date last reported is not accurate. This ground for removal they also violated my rights under 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

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 2024-10-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXXXXXX XXXX, they did not provide me with wet signature contract as requested in accordance with FCRA Fair Credit Reporting Act. XXXX XXXX XXXX has violated my rights, 15 USC1681 section 602A. 15 USC 1681 section 604A section 2 15 USC 1681c ( a ) ( 5 ), 15USC1681s-2 ( A ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off. 
2. The name and contact information of the person or entity that provided the verification. 
3. Copies of any documents or records used in the reinvestigation process. 
The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: DE

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, DE XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off. 
2. The name and contact information of the person or entity that provided the verification. 
3. Copies of any documents or records used in the reinvestigation process. 
The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

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 explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
The account was opened on on the bank of america website for new accounts advertises a XXXX dollar credit for new accounts. 

I was provided XXXX of the credit. When calling about it they refused and said it's or checking and savings accounts. When i told her that's not true the story changed and she stated ohh the dates are different. 

When i proved that's also not true the story changed again and was told ohh you offered XXXX and new accounts from XXXX are XXXX. 
When i told her that's not true she said ohh the website is incorrect and it should be 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 2024-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to dispued hard inquiries on my credit report that were made without my consent. According to section 604 of the fair credit reporting to section 15U.S.C 168 1B, THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I did not authorize these hard inquiries and can not find any permissible purpose under this section that justifies their presence on my report, PLEAS DELETE HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-10-26 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
on XX/XX/year> an Identity theft dispute was filed including an FTC report with proper validation for Identification, according to our records ( XXXX tracking number ) was received successfully. XXXX education also XXXX has failed to respond to my dispute within FCRA stated time frame with investigation resolution to the inaccurate reporting. All CRA 's either failed or have not received documentation from XXXX also XXXX about the Identity theft dispute on all accounts in order to start a mandatory investigation. Till this date no response was received nor resolution to the inaccurate 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 2024-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XX/XX/year>, SOMEONE PLACED AN ORDER WITH A COMPANY CALLED XXXX XXXX XXXXXXXX, IN THE AMOUNT OF XXXX FOR XXXX XXXX. XXXX  GIFTCARDS AND FOR XXXX XXXX DOLLAR GIFT CARD BUT MY BANK ACCOUNT DID NOT HAVE THE MONEY, MY CHECKING ACCOUNT WAS HACKED, I TRIED TO XXXX  THIS COMPANY AND I GOT AHOLD OF SOMEONE IN XXXX, A COMPANY XXXX. THEY HAD NO IDEA WHAT TO DO WITH THIS ISSUE, MY BANK IS WORKING WITH ME, AND THISIS THROUGH PAYPAL, AND THEY WILL NOT ASSIST ME. IT SAYS THE ORDER WSAS SHIPPED MANUALLY, NOT TO ME, BUT SOMEONE GOT THESE GIFT CARDS. NOW PAYPAL HAS FROZEN MY ACCOUNT AT THE BANK, MY NEW ONE, SO THEY CAN GET PAID FOR SOMETHING I NEVER ORDERED, I LIVE ON A FIXED INCOME AND I WOULD NOT ORDER ANYHTHING THAT EXPENSIVE TO BEGIN WITH, LET ALONE XXXX  XXXX  XXXX, NO ONE HAS ACCESS TO MY CARDS AND WHO EVER DID THIS FOUND MY BANK ACCOUNT ON EITHER XXXX, OR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: TN

Complaint narrative:
On XX/XX/year> I mailed a dispute letter to KIKOFF who is reporting false information on my credit with all three credit agencies and I mailed a certified returned receipt letter to them and the letter came back as not deliverable as address and unable to forward on XX/XX/year>. I also disputed it with the credit agencies who responded that this debt is accurate and the address they provided is not an accurate address. 
According to Federal Law, a company reporting a debt is to provide an accurate mailing address where consumers can write them and due to not having been able to reach them to a legitimate address, then the credit agencies and KIKOFF are committing Fraud per Federal Law. If they do not immediately delete this reporting from all credit agencies within the next 15 days, I will petition them and the credit agencies to provide evidence to collect on this debt and I will be pursuing them for fraud, defamation of character, damage to my credit worthiness among other charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I visited a Wells Fargo branch located on the corner of XXXX  and XXXX in XXXX, XXXX  on or about XX/XX/year> to cash a couple payroll checks that totaled approximately {$5400.00}. I do not have an account with Wells Fargo but the checks I wanted to cash were drawn on a Wells Fargo account. The teller asked me a few questions as she worked through the process of identifying who I am and to verify that the checks were valid. I patiently answered her questions and even had the person who wrote the checks with me in case there were any issues with the checks. When I told the teller that I didnt have an account with Wells Fargo and declined the option to open one, the teller seemed to become confused and continued to ask several more questions and at one point she called her supervisor. After about 45 minutes of answering questions of what seemed to be more like an interrogation, they had my friend who wrote the checks, sign his name on a blank piece of scratch paper even after they verified his account and his identity. Finally, the teller informs me that she will cash my checks now but it would take a few minutes as she had to run the cash through two separate counters to ensure the amount she was giving me was correct. She takes the checks and steps away. About 30 seconds later, she returns to inform me that they will be charging me {$7.00} per check since I didnt have an account with them. I had 4 checks, so that totaled {$30.00}. I was confused by this since the checks were written from a Wells Fargo account and when I mentioned this, I was informed that it was because the checks were written from a business account. I asked if they could waive the fees since this was something they should have informed me of within the first few minutes of assisting me rather than informing me of the fees only after I stood there for 45 minutes. I was denied this request. Rather than take my checks elsewhere and waste all that time of mine as well as the 3-4 people who had been standing in line the entire time waiting to be helped as she was tge only teller on duty, I agreed to pay the outrageous fees and decided that I would handle my complaint with the corporate office once I got home. I was able to locate an email address that was associated with the banks complaint department but once I sent my email, I received a reply stating that the address I wrote to was not valid. Rather than be lead on some wild goose chase that would only come to a dead end, I decided to file a complaint with the CFPB.

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