vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
After disputing a transaction Bank of America wrongfully froze my account and funds that I had in the account without notifing me that my funds were not assessible. Bank failed to assist when asked to help unfreeze the account and gave me misinformation by stating the state unemployment office would have to remove the freeze due to the state being responsible for the freeze and when I finally got in touch with the state unemployment office I was told they had XXXX control and the bank would have to unfreeze it and the bank again lied to me by stating I would need to get an attorney to get the freeze taken off. This continued for over 2 weeks. The XXXX I spoke to at Bank of America called me a bum that was only trying to get free money. When I told her I worked and paid in to unemployment she told me I was XXXX and she could not help then hung up on me. I spent a total of 38 hours on hold in a span of 15 days only to be hung up on everytime. I spoke to the state attorney generals office and was told I could get assistance from CFPB. Bank of America contacted XXXX XXXX XXXX XXXX and stated my account was fraudulent and XXXX XXXX froze my unemployment benefits for a total of 3 months causing undeserved suffering for my family. We lost our home and car due to the freeze causing my benefits checks to be lost in transit for a total of XXXX checks and 4 months total. When I attempted to request they unfreeze my account I was put on hold for 7 hours the first day, 5 hours the next day and so on and so forth and hung up on numerous times. Bank of America allowed an unauthorized person to open an account for a pay card I had no idea about. I asked the XXXX about the freeze and was told it was automated by the computer and they had no control over the freeze. The investagator from dispute resolutions agreed with me that it was so confusing and unlawful for the bank to do this without reason or notice. It has come to my attention that CFPB fined bank of America for issues exactly the same as mine. I have been treated unfairly by both the bank and the CFPB and will seek assistance from the Ombudsman if necessary to resolve this matter. I am forwarding this complaint to my states governor and the office on the comptroller of currency also. Please help me get the justice my family deserves for being forced to lose our home due to the banks unfair and treatment of myself, the bank was deceptive and the CFPB obviously agreed with that due to the huge fine they gave the bank for similar issues. I attached pictures and every single paper represents a check that was lost in transit.

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 2022-10-30 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: OH

Complaint narrative:
I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-10-30 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: OH

Complaint narrative:
I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: RI

Complaint narrative:
XXXX XXXX is not complying with Complaint as requested Per 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
Consumer complaint received 2022-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My credit has been stolen. I have placed a freeze on my credit and have an open police case in XXXX XXXX California. I see a New unauthorized Loan on my Chase account. 

Account : XXXX Amount : {$44000.00} Vehicle : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: TX

Complaint narrative:
For over the past few years I have constantly asked for your institution to actually due their grave responsibility and investigate accounts on my consumer report. Numerous times all the mail that is sent back to me states items verified, without providing me your method of verification or who you spoke with to verify information. Pursuant to 15 usc 1681 ( a ) ( 1 ) The banking system is dependent upon consumer reports being fair, and accurate. After overviewing my consumer report I realized that my report was inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified during your companies ' initial investigation that you were going to report this information. Pursuant to 15 usc 1681 ( a ) ( 4 ) - you did not ensure that this information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. Your company never did an initial investigation, nor a reinvestigation when I asked for your to check my consumer report for inaccuracies. I asked for reinvestigation into inquiries listed on my consumer report. You responded that the information listed was accurate and will remain listed for two years. I know for a fact that you did not investigate, reinvestigate the inquiries, or the alleged debt accounts furnished on my consumer report. I filed several complaints thru CFPB portal along with attaching valid proof from furnishers of info on consumer report that states they asked your company to remove them from reporting and yet it is still listed. This is a violation of FDCPA, FCRA along with breach of my privacy of personal information. Not only have you damaged my credit worthiness, but have caused me severe XXXX and mental XXXX Enclosed I will attach copies of items that you listed on my consumer report that were never investigated, ( XXXX XXXX, XXXX XXXX XXXX ) which is another federal violation amongst many others. Attached will also be a invoice for Federally Protected Consumer Rights Violation under 15 USC 1681 that your company Equifax violated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: RI

Complaint narrative:
XXXX XXXX is not complying with Complaint as requested Per CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: LEXISNEXIS
State: RI

Complaint narrative:
XXXX XXXX is not complying with Complaint as requested Per CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
For over the past few years I have constantly asked for your institution to actually due their grave responsibility and investigate accounts on my consumer report. Numerous times all the mail that is sent back to me states items verified, without providing me your method of verification or who you spoke with to verify information. Pursuant to 15 usc 1681 ( a ) ( 1 ) The banking system is dependent upon consumer reports being fair, and accurate. After overviewing my consumer report I realized that my report was inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified during your companies ' initial investigation that you were going to report this information. Pursuant to 15 usc 1681 ( a ) ( 4 ) - you did not ensure that this information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. Your company never did an initial investigation, nor a reinvestigation when I asked for your to check my consumer report for inaccuracies. I asked for reinvestigation into inquiries listed on my consumer report. You responded that the information listed was accurate and will remain listed for two years. I know for a fact that you did not investigate, reinvestigate the inquiries, or the alleged debt accounts furnished on my consumer report. I filed several complaints thru CFPB portal along with attaching valid proof from furnishers of info on consumer report that states they asked your company to remove them from reporting and yet it is still listed. This is a violation of FDCPA, FCRA along with breach of my privacy of personal information. Not only have you damaged my credit worthiness, but have caused me severe XXXX and XXXX XXXX Enclosed I will attach copies of items that you listed on my consumer report that were never investigated, ( XXXX XXXX, XXXX XXXX XXXX ) which is another federal violation amongst many others. Attached will also be a invoice for Federally Protected Consumer Rights Violation under 15 USC 1681 that your company XXXX violated

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 2022-10-30 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 — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I see I have late payments on my credit report which is unlawful under code 15u.s.c1681a ( 2 ) ( B ) and need them removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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 — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: FL

Complaint narrative:
I see I have late payments on my credit report which is unlawful under code 15u.s.c1681a ( 2 ) ( B ) and need them removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been requesting information from XXXX XXXX be removed from my report. They removed 2 accounts from my credit due to not be able to verify them, but they recently added them back which is illegal. Once something is removed you can not add it back. They did this on my transunion report between XXXX and now. For account beginning XXXX, on my Transunion it shows the account was opened on XX/XX/XXXX and show date of last activity as XX/XX/XXXX and the original creditor as XXXX XXXX and on my XXXX, it shows Date opened as XX/XX/XXXX, date of last activity XX/XX/XXXX. This is definitely not my account and is blantantly obvious that it is inaccurate. How can an account be opened on XX/XX/XXXX with the date of last activity showing as XX/XX/XXXX. I submitted a previous dispute with XXXX XXXX due to the fact that this was not an account of mine and because XXXX  has not been accurately reporting my accounts and updating my report. On my XXXX  report this same account is showing date opened as XX/XX/XXXX and date of last activity as XX/XX/XXXX. I ask that they verify and validate this account by providing an original contract with my handwritten signature. The next account with XXXX begins XXXX. On my Transunion report it shows date opened as XX/XX/XXXX and date of last activity as XX/XX/XXXX. For XXXX  this same account shows date opened as XX/XX/XXXX and date of last activity as XX/XX/XXXX. The same account shows on XXXX with a date opened on XX/XX/XXXX, date of last activity XX/XX/XXXX. You can not have a date of last activity that comes before the date the account was supposedly opened. This company has been purposely padding my reports with incorrect information. The more I dispute the inaccuracies, the more they pad my reports with fraudulent activity. The next account begins with XXXX with XXXX. On my TransUnion it shows the account was opened on XX/XX/XXXX, date of last activity XX/XX/XXXX, on XXXX it shows date opened XXXX and date of last activity XX/XX/XXXX and for XXXX it shows date opened as XX/XX/XXXX, date of last activity as XX/XX/XXXX. This is not my account as I have stated in every single dispute. This should show that they are inaccurately adding information to my report. The next account begins with XXXX on my XXXX report that shows date opened as XX/XX/XXXX and last activity as XX/XX/XXXX. Another account that is not mine. They did not even list the original creditor which proves they are adding information to my account that is fraudulent. None of these accounts have been verified and validated with the original contract with my handwritten signature.

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 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, 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 have been requesting information from XXXX XXXX be removed from my report. They removed 2 accounts from my credit due to not be able to verify them, but they recently added them back which is illegal. Once something is removed you can not add it back. They did this on my XXXX  report between XXXX and now. For account beginning XXXX, on my XXXX it shows the account was opened on XX/XX/XXXX and show date of last activity as XX/XX/XXXX and the original creditor as XXXX XXXX and on my Equifax, it shows XXXX opened as XX/XX/XXXX, date of last activity XX/XX/XXXX. This is definitely not my account and is blantantly obvious that it is inaccurate. How can an account be opened on XX/XX/XXXX with the date of last activity showing as XX/XX/XXXX. I submitted a previous dispute with XXXXXXXX XXXX due to the fact that this was not an account of mine and because XXXX  has not been accurately reporting my accounts and updating my report. On my XXXX  report this same account is showing date opened as XX/XX/XXXX and date of last activity as XX/XX/XXXX. I ask that they verify and validate this account by providing an original contract with my handwritten signature. The next account with XXXX begins XXXX. On my XXXX report it shows date opened as XX/XX/XXXX and date of last activity as XX/XX/XXXX. For XXXX  this same account shows date opened as XX/XX/XXXX and date of last activity as XX/XX/XXXX. The same account shows on XXXX with a date opened on XX/XX/XXXX, date of last activity XX/XX/XXXX. You can not have a date of last activity that comes before the date the account was supposedly opened. This company has been purposely padding my reports with incorrect information. The more I dispute the inaccuracies, the more they pad my reports with fraudulent activity. The next account begins with XXXX with XXXX. On my XXXX it shows the account was opened on XX/XX/XXXX, date of last activity XX/XX/XXXX, on XXXX it shows date opened XXXX and date of last activity XX/XX/XXXX and for Equifax it XXXX date opened as XX/XX/XXXX, date of last activity as XX/XX/XXXX. This is not my account as I have stated in every single dispute. This should show that they are inaccurately adding information to my report. The next account begins with XXXX on my equifax report that shows date opened as XX/XX/XXXX and last activity as XX/XX/XXXX. Another account that is not mine. They did not even list the original creditor which proves they are adding information to my account that is fraudulent. None of these accounts have been verified and validated with the original contract with my handwritten signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, 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: KY

Complaint narrative:
Several companies have tried to pull my report and I did not give them access to do so. I also have old accounts on my credit report that were closed and should should have been removed. XXXX XXXX, XXXX and XXXX XXXX XXXX are the only one I authorized to run my credit. I have disputed with all of the credit bureaus and nothing has been removed. I have sent letters and none of them can provide information verifying that these inquiries are mine. Yet they still remain in my report. I have also reached out to XXXX and they agreed to removed the {$130.00} from my credit report but it is still there, this was a part of my XXXX  bankruptcy.

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 2022-10-30 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: RI

Complaint narrative:
Credit Agency is not complying with Complaint as requested Per CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
i tried a whole bunch of times to resolve this problem all they did was resolve the bottom of complaint and delete 5 inquirys from my report they didnt do what i requested and provide me with signuture or proof i got something in regards to inquiry like XXXX  XXXX who has a bunch of inquirys on my report and yet i only have 1 card from them not 6 in regards to inquirys they made

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 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
THIS IS NOT A DUPLICATE XXXX keeps reporting the incorrect dates on my credit report. I surrendered my lease on XX/XX/2021 but they say I was late in XXXX and XXXX of XXXX and XXXX of XXXX, payments that never happened, while I was on time on other payments that I was late on. 

Please see attached payment schedule of all payments made FROM XXXX that lists actual payments made that do not list any payments due on those dates and show correct late payment dates, as well as letter from XXXX showing when car was surrendered, as well as photos showing correct payment reporting. XXXX TransUnion is incorrect. 

This is an FCRA violation.

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 2022-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: AZ

Complaint narrative:
A checking account was opened with Chime by someone else, with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
On XX/XX/2022 I purchased a round trip airline ticket from XXXX XXXX ( XXXX  ) using PayPal Credit financed by Synchrony Bank for myself ( {$1100.00} ) and purchased a ticket for wife ( {$1000.00} ) using XXXX  credit card. The flight is on XX/XX/2022 from XXXX XXXX ( XXXX ) to XXXX ( XXXX ) with a layover in XXXX XXXX ( XXXX ). The XXXX to XXXX flight is fulfilled by XXXX XXXX ( XXXX  ) an affiliate of XXXX. Sometime first week of XX/XX/2022, XXXX cancelled their flights from XXXX to XXXX with no other available flights that will connect me on time with the XXXX to XXXX flight. To cut the story short, after a 2 day phone tagging with XXXX and XXXX, I had the ticket cancelled instead. I filed a disputed charge with Synchrony bank since XXXX  and XXXX  are pointing fingers to each other on who should refund the money ( I also requested a refund from these two airlines ). SynchronyXXXX  kept on insisting that the purchase is legitimate and so they can't give me a credit. I told Synchrony/XXXX  XXXX I'm not disputing the legitimacy of the purchase but the services I purchased can not be fulfilled ( undeliverable services or deffective goods ) since the XXXX to XXXX  flight was cancelled and no available flight can be find on time with the XXXX  to XXXX  flight XXXX Attached is a screenshot from XXXX  and XXXX  website showing our flight from XXXX to XXXX  is still cancelled.

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