vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
In XXXX of XXXX I purchased a " XXXX XXXX XXXX '' from XXXX XXXX with my Bank of America CC. The pass was to be used XXXX XXXX XXXX. Since the start date, the pass has not worked. There are never any flights available or if you are able to book a flight, the fees are so excessive ; its cheaper to book with another airline. I've tried to call, email, message XXXX  and there is no one who can or will assist. I also tried to go in person to the XXXX airport, and there is no one at the counter to assist. After exhausting all of my resources ; I contacted BOA submitted a claim which they placed a credit on my account and now XX/XX/XXXX they have added the charge back without any research. I know they have not tried to research or contact XXXX because there is no way to contact XXXX to validate the charge or dispute. Their response was " XXXX stated this is non refundable so we added the charge back ''. I have called bank of america over XXXX to only be placed on hold, transferred around, or simply hung up on, I should not be charged for a product or service which holds no value or can not be used. As a bank and credit provider, they are responsible for researching and following up on claims which they have not. I have an XXXX credit score and this is the only charge on my BOA account. This is the only item I have disputed, and they are not willing to follow up or research my claim. The XXXX  website shows over XXXX complaints for the same charge/issue I am disputing.

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 2023-10-20 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: NE

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-10-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY

Complaint narrative:
In XXXX, XXXX I applied for a refinance through Wells Fargo. At the time I was involved with a lawsuit with a local air condition company for XXXX. The company turned it over to a collection agency. I was informed by Wells Fargo in order to get the loan I would have to pay the XXXX due. I asked my lawyer and he told me not to pay this and to cancel the refinance. Since the I won the lawsuit. 
Since I cancelled the loan Wells Fargo has declared war on me. I have had to cancel my debit card 7 times in the past year due to fraudulent charges being put on it. In XXXX, XXXX I used WF bill pay to pay my XXXX XXXX XXXX bill. My money was taken out of my account but XXXX XXXX XXXX never got it. My services were disconnected. It took me XXXX month to get this straightened out. In XXXX I paid my gas bill to XXXX XXXX XXXX Wells Fargo denied the payment saying that there were " insufficient funds ''. The funds were there. During this time I could not sign on to my account. Wells Fargo said it was for security. They also quit sending me my statements. 
In XXXX, XXXX I paid by electric bill for XXXX. Wells Fargo held the payment out for XXXX weeks citing " security '' Right now I am trying to pay my XXXX account which I have done for the past 15 years. I have never had a problem with it. I paid it XX/XX/XXXX and it went through. I just got an email from XXXX refunding the money because Wells Fargo said my account was invalid. I believe that there is criminal activity going on here. I am XXXX XXXX XXXX and living on nothing but Social Security. I need someone to help me

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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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 am writing to dispute a certain account that has been reported across the XXXX bureaus on my credit report which I believe to be inaccurate. I have never missed a payment, and all my accounts are current and in good standing. I have been a responsible borrower and have always made timely payments on all my debts. 

The delinquent account listed below is not accurate : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute a certain account that has been reported across the XXXX bureaus on my credit report which I believe to be inaccurate. I have never missed a payment, and all my accounts are current and in good standing. I have been a responsible borrower and have always made timely payments on all my debts. 

The delinquent account listed below is not accurate : XXXX XXXX XXXXXXXX

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 2023-10-20 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: NY

Complaint narrative:
There are fraudulent accounts being reported on my credit report that must be deleted now. I did not give consent to any of these accounts. Please fully investigate and remove inaccurate items from the 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 2023-10-20 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:
There are fraudulent accounts being reported on my credit report that must be deleted now. I did not give consent to any of these accounts. Please fully investigate and remove inaccurate items from the 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 explanation
Consumer complaint received 2023-10-20 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:
In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX, XXXX 's Account # XXXXXXXX XXXX  XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX 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. 1666B A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX {$2400.00} Open balance Original creditor Opened XX/XX/2023 ( XXXX mos ) Original creditor name XXXX XXXX RESPONSE This is coming up in my credit report as collection. I have not had anything with either of these two creditors and I called the XXXX to see if they had my information and they were not able to even find my name or birth date. This was opened but it was not me who owes them and no bill was even sent to me I only noticed because I check my credit reports regularly.

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 2023-10-20 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: MI

Complaint narrative:
I have disputed inaccurate reporting information with Experian. 
I have a account that's being reported two different information with XXXX XXXX XXXX. 
See Attached Documents - XXXX XXXX XXXX reported on the same dang day and time. According to the reporting date. To XXXX and Experian from the same department. The system or person reported to Experian " Paid/ Paying as Agreed " as it should have. 
Now this same system reported to XXXX " Paid/ Was 30 days past due date ". This is from said same system and person. 
Then we get down to the payment History. Again XXXX has ( OK ) for the XX/XX/2021 payment box. 
Now we stroll up a bit, we noticed that Experian has ( 30 ) as in 30 days past due. 

This is wrong and I need someone to help me get this corrected. This two timing information is against the law. This company should be investigated for unfair, inaccurate, and incorrect information. 

Respectfully, 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 explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was wiring a money for a watch that was advertised on XXXX Called XXXXXXXX XXXX  for a watch for {$1500.00} When I send the money after 4 days he replied that the watch I wanted was sold and said he will give me another watch which is {$4500.00} but will give it to me for {$3300.00} since he missed up the deal on the first one. On XXXX XXXX I send {$2000.00} to complete the {$3300.00} since I already paid the {$1300.00} after 3 days I can not communicate to the person anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: CA

Complaint narrative:
There were 4 fraud transaction made in XXXX in my account. I called HomeDepot to dispute the charges. The charges come back to my account in XXXX, and I called to re-open the case. They " claim '' I should be responsible for the charges after investigation. 

I opened the HomeDepot Card in year end XXXX, when I live in XXXX XXXX, XXXX. I moved to my new house in XXXX XXXX in year end XXXX, and then I never used the home depot card again. 

In XX/XX/XXXX, I got email notification for the fraud transaction in my account. I called to dispute the charges. Then I looked into my account. HomeDepot sent an new card to my previous apartment in XXXX. Then the fraud transaction happened. So I think someone with access to the mailbox of my previous apartment activated the card. We have moved out from the apartment for 2 years. We have no access to the card that HomeDepot mailed to us.

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 2023-10-20 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: TN

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 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: TN

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/23 I contacted Equifax and XXXX to have them remove all late payments showing on my consumer report because they are negatively impacting my credit. I informed the agencies representatives that I did not authorize this information to be on my report and under FCRA laws 15 USC 1681a paragraph 2 titled exclusions sub chapter ( a ) ( i ) states that transactions are not included in the consumer report. A late payment even though it may be negative is still a form of transactional history therefore this information reporting to my consumer report is a violation of this FCRA law. The representatives told me that they are not responsible for the information being reported and asked if I contacted the companies. I explained to the representatives that I did contact the companies and all of them explained to me that 60 days after an initial report they no longer report any information again and they cant do anything about those transactions showing on my consumer report. This information was given to the representatives by me and I was told that the only thing that can be done is to file a dispute against all transactions. The representatives made the dispute in the system and told me to wait no longer 30 days for the investigation and a decision. The results of the dispute was not in my favor. This is a clear violation of my rights and I would like this issue resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: IL

Complaint narrative:
I sent multiple letters this summer in XXXX and XXXX for XXXX disputed charges. The first occurred on XX/XX/2023 ; the merchant was named XXXX XXXX. the total was {$830.00}. The firm never provided the services agreed to in our contract, and I worked directly with them on a resolution, but no such solution was ever met, and when I sent in the dispute, nothing was resolved at all on Chase 's end. Chase took no action to help. Then it happened again with Rush PATIENT PAYMENT For {$2100.00} on XX/XX/2023. I had already made payments on my care credit card and should never have been charged. They charged me without my permission, as my credit took care of the bill, and Chase did nothing to rectify or adequately investigate the situation. 

Both times, I sent letters in the mail within 60 days but received no response until I called in and sent the letters again, this time with an electronic record via the mobile app/website. I believe their lack of action is due to the fact that I am a XXXX XXXX, and they see it as their right to deny proper service to XXXX XXXX. 

There is no doubt in my mind this type of inaction an anti-consumer behavior has occurred with thousands of other Chase clients if my experience with their customer support is representative of the firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: MO

Complaint narrative:
I had an account from XXXX showing on my credit report from XXXX. I disputed the debt and ask for proof since I've been a victim of identity theft and have filed with the FTC about this issue. 3 credit bureaus investigated and agreed the debt was not mine and removed it from my credit report. It was removed within the last 6 months. 

I was contacted by Halsted Financial Services , LLC XXXX XXXX XXXX XXXX, IL ( XXXX ) XXXX By text message on XX/XX/XXXX about the same debt with XXXX from XXXX. I replied to the text message advising they cease contacting me and still have the exchange for proof. I have since received emails on XX/XX/XXXX and XX/XX/XXXX about this debt, replying both times with a demand to cease contact. I recieved a phone call on XX/XX/XXXX about this debt after telling Halstead they don't have permission to contact me. Both XXXX and Halsted Financial have not provided any proof and have been given a cease contact request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: TN

Complaint narrative:
I strongly request that you act quickly to eliminate the unauthorized inquiries from my credit report. They are causing significant distress and I have supplied the necessary documentation for verification. Please expedite your investigation into this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 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: TN

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 explanation
Consumer complaint received 2023-10-20 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: NY

Complaint narrative:
N accordance with the fair credit reporting act convergent account # XXXX has violated my rights XXXX XXXX. XXXX section XXXX A. XXXX I have the right to privacy XXXX XXXX. XXXX section XXXX Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 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: NY

Complaint narrative:
XXXX : * Ive began to look to obtain a house XXXX in did a Cerdit review report in notice the there has been some fraudulent accounts in activity on my reports my company I use to work for. also a victim of a data breach within that year for the XXXX  off the account in questions this were i believe my information was stolen i. misuse due to the breach description with snap on 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 2023-10-20 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: NY

Complaint narrative:
XXXX : * Ive began to look to obtain a house XXXX in did a Cerdit review report in notice the there has been some fraudulent accounts in activity on my reports my company I use to work for. also a victim of a data breach within that year for the one off the account in questions this were i believe my information was stolen i. misuse due to the breach description with snap on XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 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:
XXXX  XXXX XXXX  : # XXXX XXXX XXXX XXXX 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 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