vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-29 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called because I was not able to make my XXXX payment and I called before and they told me that they couldn't help me so I called back because my bank statement still said if you can't make your payment call us before XX/XX/XXXX for assistance so I called the number back and I talked to a XXXX there in he said the XXXX XXXX XXXX any credit card department and he said his employee number was XXXX then he took my whole entire credit card number from me after he said he was already in my account and that I had a credit card for ending in XXXX and I told him I had no credit card in that so he asked me for my full credit card number so I gave it to him and then he said he couldn't access that information so I need to give him my father 's credit card number and I said I hung up on them and I tried to contact XXXX 's fraud department but it's not I don't know how to there's no number it says have you lost money and I don't know if I have lost money or not I haven't been able to go over all my statements so I didn't want to say yes if I hadn't lost money but he does have my whole credit card number

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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 2024-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

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 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My letters were opened by the credit reporting agencies and then returned with " refused '' labels. However my letters were received beacuse I received notifications that my disputes were open. It has been over 30 days

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 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My letters were opened by the credit reporting agencies and then returned with " refused '' labels. However my letters were received beacuse I received notifications that my disputes were open. It has been over 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: OH

Complaint narrative:
I am disputing the inaccurate reporting of late or missed payments for the following accounts, which should be listed as PAYS or PAID AS AGREED : 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 XXXXXX/XX/XXXX. Please update the account as Paid/Current.

Pursuant to 15 USC 1666b, a creditor may not treat a payment on a credit card account as late unless reasonable procedures ensure that each periodic statement is mailed or delivered to the consumer at least 21 days before the payment due date.

Additionally, furnishing inaccurate information on my consumer report violates 15 USC 1681b. The credit reporting agency 's failure to ensure accuracy has caused me severe stress and XXXX  due to these abusive and unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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:
To whom this may concern, my name is XXXX XXXX, and this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL 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 instruction of the consumer to whom it relates. I NEVE GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding the removal of these accounts/inquiries/information 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 non-monetary relief
Consumer complaint received 2024-06-29 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:
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 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 2024-06-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: MO

Complaint narrative:
Mrs BPO LLC contacted me about a debt that i did not recognize and has put a collection on my account that does not belong to me. When contacted the original creditor they stated they did not even recognize the company as a collector and there was no balance in the system for me or past due bills. When advising BPO this could affect me negativity on my credit report they advised me that they will not be updating the system until they are notified by the original creditor. This is really a mistake on both of the companies parts and seems to be a bit scammy to me. They had no interest in the emails sent to me from the original creditor stating i owed them nothing.

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 2024-06-29 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: IL

Complaint narrative:
To Whom it May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. Below are the negative account / accounts impacting my credit. XXXX XXXX / XXXX XXXX {$720.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$230.00} XX/XX/XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$720.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX XXXXXXXX {$1900.00} XX/XX/XXXX XXXX, XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$2400.00} XX/XX/XXXX XXXX XXXX  XXXX {$290.00} 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 non-monetary relief
Consumer complaint received 2024-06-29 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: NY

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from 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 2024-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 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: NC

Complaint narrative:
I reviewed my credit report and the information being report is not accurate. The reporting company XXXX XXXX with account number XXXX is not accurate. The XXXX XXXX XXXX have the vital responsibility of ensuring all information being reported is as accurate as possible. Please investigate this account for accurate reporting practices.

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 2024-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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 2024-06-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XX/XX/year> I paid a rental debt from XXXX XXXX XXXXXXXX  of {$4500.00} through Procollect. On this date the debt was paid in full. Procollect and I came to agreement for me to receive an Paid in Full letter and for this sent to be remove from all credit bureaus.

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 2024-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CO

Complaint narrative:
My family recently relocated from XXXX to XXXX. Our previous bank does not have branches in XXXX so we opened an account with US Bank. We provided all documentation requested upon opening the account. That was on XX/XX/year>. On XX/XX/year> a hold was placed on our account due to our identification being from another state. On XX/XX/year> we went to a branch and provided them with our signed lease agreement in Colorado, and we were ensured that we would have access to our funds by the end of the day by a banker. On XX/XX/year> we received communication that US Bank needed another copy of our IDs to lift the hold. Those were provided to a US Bank representative within an hour. It is now XX/XX/year>, a Saturday, and I have gone to XXXX branches and spoken to a phone rep and still have no access to the funds. The reason cited by a XXXX at a branch is that there is no one available in the fraud department on weekends. This is causing severe financial strain because we have bills that are now accruing late 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 explanation
Consumer complaint received 2024-06-29 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:
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 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 2024-06-29 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:
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-06-29 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: MI

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. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 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 XXXX 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 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 2024-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year> I opened a checking account with Bank of America. I deposited {$20.00} to fund the account and subsequently had another {$200.00} deposit made from a merchant that same day. On XX/XX/year> I had another deposit of {$560.00} from the same merchant. On XX/XX/year> I deposited my payroll check of $ XXXX my checking account. After depositing the paper check into a Bank of America atm I was notified that the deposit would take up to 10 days to post. I was upset due to the payroll check being legit and having to wait such a long time for my funds to be available. This caused me to be late on numerous bills. I reached out to their customer service department via telephone call on XX/XX/year> in hopes of resolving the issue but was told my payroll check would not post until XX/XX/year>, but was reassured the funds would be available upon that date. On XX/XX/year> my payroll check finally posted to my checking account with Bank of America and showed as available in their mobile banking app. Subsequently, my Bank of America debit card kept declining in grocery stores so I checked my balance at the atm and it showed available funds in the amount is active of {$1700.00} but would not allow me to withdraw funds. I visited a branch office and was advised my debit card is active but my checking account has been frozen due to suspicious activity. I have barely used this account except for a few legit deposits. I am now falling behind on bills and being inconvenienced unjustly. I feel like this may be a XXXX issue, as I am a XXXX male. There has been nothing fraudulent on this account. I was also made to wait XXXX business days for a check to post to my checking account without a single penny being made available, which is in clear violation of FDIC rules.

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 2024-06-29 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: MO

Complaint narrative:
Please remove these inquiries. I have no information about this, and the company proceeded without my approval.

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 2024-06-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
Reviewing my credit report and I discovered there is a collection of {$500.00} XXXX XXXX XXXXXXXX XXXX. I am unaware of what this collection is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
My wife went into XXXX XXXX and purchased some products. She swiped our XXXX XXXX card, and unbeknownst to us, they opened a credit card in my name ( I was not present ). The credit card is XXXX XXXX XXXX XXXX  XXXX. 

I called the credit card company and explained the issue and I offered to pay the original debt for the purchase with a pre-paid XXXX XXXX card and they refused to accept it. There is no way I am giving them my banking information as they requested. 

After XXXX minutes on the phone with XXXX or so different reps, which consisted of threats and false accusations against me and my wife, they hung up on me. 

They defrauded me, they are damaging my credit rating, and they are refusing to accept payment for what we owe.

Company response to consumer: Closed with monetary relief