vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
I have a Bank of America XXXX XXXX XXXX Signature Credit Card. When I tried to pay my first bill XXXX XXXX, 2024, Bank of America website did not allow me to connect my other bank account. They insisted I open an account with them, which wasn't a requirement when I applied for the card. 
Moreover, they locked my credit card after I attempted a purchase on XXXX. It's absurd to me, as XXXX is one of the largest companies in the U.S. Why was my account locked for trying to buy from there?

They told me the only way to pay my bill was to visit a branch in XXXX XXXX and submit a physical check. I recently moved to XXXX  XXXX, and driving over XXXX hours to pay a bill is unreasonable. 
I've always paid my bills on time, and this is the first time I've encountered such issues with a bank. It feels like theyre trying to impose late charges or force customers to open accounts with them. 
I seriously believe this bank is violating Americans ' rights to fair financial services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally express my extreme dissatisfaction with your lack of action regarding the dispute of the following inaccuracies on my credit report, which remain unresolved despite multiple prior communications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: KS

Complaint narrative:
Chime financial has locked me out my account for no reason at all its been 1 month and they continue to tell me they are sending my case to the specialist over chime and they dont have a clue phone number so I have to wait 48hours for a email. Then when I finally got a response I sent in documents they requested which was my drivers license and my marriage license and a utility bill and a selfie. They told me the first time my documents looked perfect but I still remained locked out. Then they proceeded to tell me I cant change phones when using chime because it will flag as fraud because I recently upgraded my phone. I then told them I was locked out my account before I even upgraded my phone so thats definitely not it. They then told me I have to Wait for a email from the specialist and as soon as I hung up up I received a email saying now my documents are being denied. So I have been calling everyday and still the same run around and not ever being gave a explanation to why my account was locked in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
RE : CFPB Case Numbers : XXXX, XXXX, XXXX Wells Fargo has never sent the statements as they had promised. I have informed the police as well as the postal service. Wells Fargo continues to follow up with voicemails yet there still is no resolution to anything. I have checked my mail for the entire week and there is no resolution as was promised. I have documented this entire thing. 

Wells Fargo has allowed my identity to be stolen and has not done anything as they legally should. I continue to follow up with all lines of communication including law enforcement. It is completely unbelievable how much Wells Fargo has mislead the CFPB. I do not want to continue to be victimized by this bank. 

I hope the best for the rest of society thus I keep reporting them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX took out multiple loans and credit cards on my name and my family 's name without our consent & authorization for many years. We discovered this after reviewing our credit report. 
All the credit card companies and loan lenders have been contacted to start a fraud investigation and report fraud. 
He also used different names that I discovered on my credit report. 
My name is XXXX XXXX. 
Other names that were used on my credit report that are incorrect : XXXX XXXX XXXX XXXX XXXX XXXX Addresses on my credit report that are incorrect : XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX took out multiple loans and credit cards on my name and my family 's name without our consent & authorization for many years. We discovered this after reviewing our credit report. 
All the credit card companies and loan lenders have been contacted to start a fraud investigation and report fraud. 
He also used different names that I discovered on my credit report. 
My name is XXXX XXXX. 
Other names that were used on my credit report that are incorrect : XXXX XXXX XXXX XXXX XXXX XXXX Addresses on my credit report that are incorrect : XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Credit cards : XXXX. Capital One opened XX/XX/XXXX for {$230.00} ; XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX for {$990.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: GA

Complaint narrative:
I sent them a debt validation letter in XXXXXXXX XXXX XXXXXXXX, by certified mail, the return slip was returned after XXXX indicating they got my mail on XXXX XXXXTodate I have not received a response. 
Today XXXX XXXX I called the number XXXX XXXX XXXX to speak to someone, I was transferred to XXXX XXXX, I remember me speaking to this lady in XXXX when she called me threatening me, that my credit was going to get ruined, I will never ever be able to rent in the United States. Today she was rude again and told me they had decided not to send me anymore documents to validate because they have sent a couple of times. Its not true because I personally check my mailbox every day I have not received any documents from them. 
It's evident that this company fraudulently bought or obtained this debt to ruin my credit. 
I am a XXXX XXXX who has gone through so much financial stress since the XXXX XXXX XXXX XXXX XXXX XXXX.I have been living in XXXX XXXX XXXX because I can't find anything I get denied all the time because of this collection on my credit. 
This is what this company wanted to ruin my life.Amount is collection is {$5800.00} IQ Data international Inc XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I found some errors in my credit report connected to 15 USC 16c-2, where hard inquiries were made without my permission. Kindly remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I found late payments on my credit report. I was not late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: IL

Complaint narrative:
I have 27 inquiries on my credit report due to fraud and also false addresses and credit consumers on my 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 2024-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I Got a tax Fed refund {$4100.00}. in my chase account, one day my account is closed and i cant access my {$2000.00} left, i called chase they told i need to verify with a document 1040 tax i sent ity in called back and they lost it after sent again they lost it again went into chase branch and they submitted it and nothing -lost in the system. at this point i can not do anything else to verify my tax return.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-14 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: CA

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$420.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: DE

Complaint narrative:
A collection on my credit that I know nothing about it was taken off of XXXX and XXXX but still on XXXX and I have no idea of the collection thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have a Lowes Credit card managed by Synchrony bank. I paid my account off completely in XXXX -- {$3700.00}. They sent me an XXXX statement for {$13.00} of which they will not credit me. I reached out to customer service on XX/XX/year> at around XXXX pm to see if they would credit my account. They stated they would not and that under the terms they have a right to charge customers even if they pay the card off in full. I advised I was going to report this practice and to close my account. They closed the account but warned me ahead of time that if I did I would not be able to get another XXXX credit card. I have been with them forever. I am not sure this is a fair practice. I closed the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit report contains hard inquiries that I did not authorize, which breaches XXXX XXXX XXXX. Kindly remove these inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of human trafficking and have accounts on my credit report due to that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: IL

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX ( accounts opened XX/XX/XXXX & XX/XX/XXXX ) for their improper reporting of a balance on a charged-off account, which is in violation of the Fair Credit Reporting Act ( FCRA ).

Under FCRA 1681s-2 ( a ), furnishers of credit information, such as XXXXXXXX XXXX XXXX, are required to provide accurate information when reporting to credit bureaus. A charged-off account, by definition, should not report an outstanding balance as the debt is considered uncollectible and written off by the creditor. However, despite the account being charged off, XXXX XXXX XXXX continues to report a balance on my credit report, which is inaccurate and misleading. 

This inaccurate reporting is negatively impacting my credit profile and violates FCRA provisions that ensure consumers are not subjected to false or misleading credit information. 

I request that XXXX XXXXXXXX XXXX immediately cease reporting an outstanding balance on this charged-off account and correct the information across all credit bureaus. If the information can not be verified or corrected, I demand that the account be deleted from my credit report in compliance with FCRA guidelines. 

I am asking the CFPB to intervene and hold XXXXXXXX XXXX XXXX accountable for this violation and ensure they correct the issue promptly. 

Thank you for your attention to 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 2024-10-14 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2 company has also no permission to report anything using my info pursuant to 15 USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: PA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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:
When checking my credit profile I noticed some inaccuracies in my 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