vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: WI

Complaint narrative:
Checkr has performed a background check for XXXX they report inaccurate information about ticket that was settled by a judge in court. Ticket was paid and carry no points, as a result of miss information report my XXXX account is suspended and I can no longer work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hi I tried to open a credit card with XXXX through Chase on XX/XX/2022. I never heard back from them, no email no letter in the mail - NOTHING. I called them today on XX/XX/XXXX to see what was going on. The first person I spoke with found my application after I gave my social and address ( XXXX XXXX XXXX XXXX VA XXXX ) and said it was not reviewed before 30 days so it was denied. He mentioned something about the holidays, essentially saying they didn't have time to review it and to apply again. I asked why I was not notified and if there was another reason it was denied because I'm not going to run my credit again if the issue is their lack of staff or time to review my perfectly good application. He said there was no other reason listed and since its past 30 days there's nothing he can do. He was not sure why I did not get a letter but said he would pass me on to another department to figure it out. 

The next person I spoke to took my social and said nothing came up and that I didnt have an application. I said that's not possible because I JUST spoke with someone who found it. She asked me when I applied and I told her XX/XX/2022 so I know it's past 30 days. She said oh that's why it's been denied its too old. And I said I know that, I'm trying to understand why I was not notified sooner after you ran my credit and gave me no chance to answer questions or correct any errors. She put me on hold twice to find out and came back with no answers just repeated that it was past 30 days and that I should reapply. Then she said she would switch me to someone else to find my application. I said that's NOT my issue, we found it the first time, I want to know why I gave them all my info and was rejected and never contacted when they ran out of time. She just kept repeating herself so I hung up and called XXXX who said this was NOT normal behavior and to write them a letter to have the hard inquiry on my credit score removed. I was also told to file a complaint here. 

That same month I opened up an auto loan with XXXX and there were NO issues, so I can't seem to figure out, aside from them running out of time on their end and not letting me know, why I was rejcted. Since they found and then lost my application while I was on the phone with them and continuously recommended I reapply, I felt this was abnormal and fraudulent which XXXX agreed with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Branch Messenger, Inc.
State: MI

Complaint narrative:
XX/XX/XXXX XXXX and XXXX transaction was done on my card at a atm, i didnt realized it until almost a week later, i only used the card to make payments over the phone and i card hasnt ever been outside of my home, i have money direct deposited there for over 6 months and never used the money, once i used the card, this happened, i have been back in forth and no resolve me, i made a police report, and as well sign a notorized statement stating i knew nothing about the transaction, you cant ever get through to anyone on the phone, and if by chance you do, they cant understand anything

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX, allowed me to have XXXX XXXX payment plan for my car payment in XXXX for the XXXXXXXX XXXX, in the last year XXXX - XXXX the car was paid off, the account showed as current and XXXX balance, when I verified my credit file in XXXX I discovered XXXX XXXX XXXX XXXX XXXX my account NEGATIVE in all XXXX XXXXXXXX late payments, I did a dispute with them and I sent letter to XXXX and Equifax to XXXX all the negative late payments and they never removed them, my account still remain Negative late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX, please investigate this issue for me because of this matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX, allowed me to have a trail payment plan for my car payment in XXXX for the XXXX pandemic, in the last year XXXX - XXXX the car was paid off, the account showed as current and XXXX balance, when I verified my credit file in XXXX I discovered XXXX XXXX XXXX XXXX reported my account NEGATIVE in all years XXXX late payments, I did a dispute with them and I sent letter to Experian and XXXX to delete all the negative late payments and they never removed them, my account still remain Negative late payments 60 days late and 30 days late, please investigate this issue for me because of this matter I cant rent any place to live my life right now is miserable.

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 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, 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: MO

Complaint narrative:
Requesting these accounts to be removed from my report these accounts were opened by someone who had my information. I am a single mom and I want my report to be correct and I do not give permission for these accounts to be on my credit report. Please Delete. 

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 

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 non-monetary relief
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Requesting these accounts to be removed from my report these accounts were opened by someone who had my information. I am a single mom and I want my report to be correct and I do not give permission for these accounts to be on my credit report. Please Delete. 

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 

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 2023-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I noticed the name on my electronic profile was the incorrect name, I contacted Bank of America to see what was going on as this happened back in XXXX and was resolved with minimal explanation ( complaint number with CFPB : XXXX ). After explaining what happened I was told they would open a ticket and get back to me the beginning of the following week. On XX/XX/XXXX I called back and they said the ticket was left open with no action on it. They reiterated to me that the only way a name could be changed was if I walked into a branch. One gentleman with the fraud department was able to tell me that the change was made on XX/XX/XXXX. They stated someone would provide me an update within a week. No one called. I reached out again the following week and was told that the ticket was closed and no one reached out. The next person submitted a complaint on my behalf as the name was still incorrect and there was no movement or explanation. Again no one reached out. I contacted Bank of America again on XX/XX/XXXX and they stated they did not have any movement on the complaint so they submitted another. The following week I reached out again and had to beg to talk to someone regarding my identity being changed on my account. At this time they finally had a gentleman reach out to me and explain its due to my account being linked to an erroneous account and a systematic update. They cant explain why my account was linked and why the incorrect name was on the account they also can not prove to me the account is secure. Due to my name not being on the account I did not pay the balance and was told that I would not be responsible for late fees and interest on my first phone call as the error was made on bank of americas end as they stated the only way a name can change is by me. They are now saying they cant wave fees until I make a payment on the account. They did not change the name on the account back until XX/XX/XXXX, they still have no explanation of how my account can be linked to an incorrect account or proper timelines. I have spent at least 12 hours on just the phone alone and Bank of America has no valid explanation of how this could happen and is unwilling to wave any fees.

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 2023-01-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson capital needs be removed off my credit report I pulled up my XXXX report and and saying closed and it doesnt even show up on my credit report for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In pursuant to 15 USC 1681b ( a ) ( 2 ) which states " ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I, THE CONSUMER, DID NOT authorize the credit bureau IN WRITING to furnish my credit report to the following accounts listed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
In pursuant to 15 USC 1681b ( a ) ( 2 ) which states " ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I, THE CONSUMER, DID NOT authorize the credit bureau IN WRITING to furnish my credit report to the following accounts listed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
In the sale & transfer of a credit card portfolio between major banks ( XXXX 's to Comenity ), I accidentally directed a sizeable payment from my XXXX deposit account to my Mastercard account number at XXXX 's. The payment has neither been refunded by XXXX 's, nor remitted to Comenity on my behalf despite my inquiries. Proof that XXXX 's processed and accepted my funds in the amount of {$1800.00} has been furnished to XXXX 's by XXXX. Despite this, and multiple phone calls to XXXX 's, this issue has not been resolved. 
Following this, I reached out to Comenity to try and resolve this issue ; I sent a detailed breakdown of the payments as follows : XX/XX/2022 - {$230.00} XX/XX/2022 - {$460.00} XX/XX/2022 - {$1800.00} - these payments were to XXXX 's ( not realizing the account had been sold to Comenity XX/XX/2022 ). Also, I'd looked at the wrong amount when I made the final payment of {$1800.00}. The original charge to the account was in the amount of {$1800.00} Upon receiving statements from Comenity Bank saying I still owed {$1400.00}, I realized the account had been moved from XXXX 's. Filing disputes with both XXXX 's and Comenity, I continued making payments so as not to accrue anymore late payments. The following payments were made to Comenity as follows : XX/XX/2022 - {$29.00} XX/XX/2022 - {$370.00} XX/XX/2022 - {$1000.00} In conclusion, I have paid {$2500.00} to XXXX 's and {$1400.00} to Comenity Bank for a total of {$3900.00}, when the original charge was {$1800.00}. 

XXXX 's has completed its investigation- per a letter from their Office of the President- and haven't located the missing funds. It is now in the hands of Comenity Bank. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX, my husband and I reported a rude and unprofessional customer service experience via the online Bank of America feedback inquiry regarding the Bank of America Branch ( XXXX XXXX XXXX, XXXX, CA ) in which my husband was denied the ability to withdraw {$70.00} from our checking account ( my husband is a noted account owner ). The teller had withdrawn the money from the account after my husband was PIN verified. However, refused to give my husband the withdrawal, insisting that he prove himself by showing his ID. Ironically, my husband was able to complete this transaction at another BOA branch in XXXX. 
On XX/XX/XXXX, I received an email from XXXX XXXX indicating she would be contacting me on this day. I personally left a voice-mail with XXXX indicating my availability. On XX/XX/XXXX, my husband visited the BOA branch ( XXXX XXXX XXXX XXXX to withdraw from the ATM. A message at the ATM displayed, " Card not available for use. '' Upon going into the banking center, my husband was informed by the teller that the " debit card was cancelled '', providing no specific reason. After speaking with BOA representative, XXXX, via telephone, I was personally informed the debit cards for both my checking accounts were canceled for " fraud impersonator '' by the local BOA banking institution in XXXX on XXXX. As a result, we were left without access to our funds ( checking, savings ). I was never notified ( via phone, text, email, letter of notification ) of this cancelation until we personally tried to make a withdrawal on XX/XX/XXXX. As a result, we've had to reorder all debit cards, which will be a XXXX business day wait time. In the interim, my husband and I have been victimized by the unprofessional and unethical behavior or Bank of America. Additionally, I have not received any correspondence from XXXX XXXX. We truly appreciate your assistance in this matter.

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 2023-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
This morning, I woke up to a collection on my credit account. The original company listed as XXXX. Upon calling the collection company, Radius Global Solutions, they told me the account was for 5 telephones from XXXX. I called the collection company to dispute this account because I've never had an XXXX account. I've had the same phone number with tmobile for almost 20 years. This account is not mine. This is fraud. 
My credit report shows that this account was opened in XX/XX/2022 which doesn't even match what the collection company says

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