vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it may concern, I received a copy of my credit report and found the following item to be in error by the provisions of the Fair Credit Reporting Act. I demand this item Ito be investigated and corrected to an " OPEN ACCOUNT '' on my credit report. It is my understanding that you will check this item with the creditor who posted them. I understand that under 15 USC section 1681iA. You must complete this reinvestigation within 30 days of the receipt of this letter. Please send me an updated copy of my credit report. I have paid my mortgage account on time since 2017 and still mailing my money orders in each month. I have enclosed copies of a few on my money orders, with a copy of Notice of Servicing Transfer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: CA

Complaint narrative:
My XXXX PAYMENTS HAVE BEEN DEPOSITED TO THIS CHIME ACCOUNT AND I DONT HAVE NO MONEY. ON THE ACCOUNT I CALLED THEM ON XXXX TO MAKE A CLAIM AND TO CLOSE MY ACCOUNT THEY NEVER CLOSED IT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I tried to open up an account at the end of XXXX online, and the bank declined my request to open an account because of my credit score. So, I'm upset they ran my credit and now I have an inquiry request on my credit report. Plus, I'm going to be putting money in my account so why am I denied. I think this is discrimination because I don't have great credit. It's not like I'm asking for a credit card. This is definitely not fair. I guess this is how big corporations work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: Grain Technology, Inc.
State: MD

Complaint narrative:
On XX/XX/2023, I received a credit alert from XXXX advising that my account is past due but not more than XXXX payments. I contacted the company, Grain Credit, and advised that this is incorrect. I was making payments and when I login to my portal, it says current. The representative is still saying the account is past due ; however, when I review my statements, it says minimum due {$20.00} and she advised that even though it says {$20.00} minimum due that it doesnt reflect the past due amount and that I have to add the minimum and the past due payment. This is very confusing and also misrepresenting or not clearly stating the past due amount. Ive been making payments and when I login it says current, and so I am requesting this account be removed because the creditor isnt accurately reflecting my account and the statements to any normal layperson looking to pay their bill looks at the minimum due, which is the minimum amount that must be paid to keep the account current. Additionally, Ive been making monthly payments. The company isnt properly representing the minimum amount due either. Either way, Ive been making monthly payments and still dont understand how the account is delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Inquiries not authorized : AMEX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX- not my account showing charged off XXXX of XXXX but still shows missed payments till XXXX of XXXX as if account was mine or even open. This account is not mine I have no knowledge of this account. It is also being reported differently to each credit union different last payment dates charge off dates and other mismatching information. This account is not mine and needs to be removed please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Remove hard inquiry.

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 2023-07-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I had no knowledge of these accounts. I did not sign any contracts with any of these companies Listed below. 

XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Attached are the FTC reports .

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 2023-07-12 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: NY

Complaint narrative:
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts. Collection charge off under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681. 

For Collection/Charge off XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2023-07-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts. Collection charge off under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681. 

For Collection/Charge off XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Someone opened an account in my name and now has defaulted on the card. I had no knowledge of this account until i applied for credit and found out XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Someone opened an account in my name and now has defaulted on the card. I had no knowledge of this account until i applied for credit and found out XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error

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 2023-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
First, I can not access to Comenitys response to my complaint. I closed the account based on their slow process of processing payments. It appears the slow processing goes past the due date and I was charged late fees. I paid XXXX to assure closure, and just received a bill for XXXX to complete the closing of this account. Please address this company 's dishonesty of processing payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: FL

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: TX

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX, Last XXXX of XXXX XXXX, XXXX I recently received a copy of my credit report and found that you are illegally reporting inaccurate and false information about me. The following alleged account is listed as a Collection with a PAST DUE BALANCE of {$330.00}. 
XXXX XXXX XXXX XXXXXXXX This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliant reporting standards. 
According to the FCRA I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, and verifiable. Please remove this inaccurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and METRO 2 Reporting Standards as well as this account removed. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery needs to PROVE they are NOT violating Michigan law by NOT having a license to do business in Michigan According to multiple Government reporting agencies, Portfolio Recovery Associates Inc is NOT licensed to do business in my state of Michigan. Therefore they are doing business ILLEGALLY and therefore are not allowed to pursue me or any accounts in my name in my state. 

Portfolio Recovery needs to PROVE they are NOT violating Michigan law by NOT having a license to do business in Michigan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed 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 explanation
Consumer complaint received 2023-07-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-07-12 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
XXXX 'S XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I didn't make these requests for a sam 's club credit card. I called the synchrony bank and they couldn't tell me who did it and all they did was close the account. They were supposed to send me a correspondence stating this was fraud but I never received any documentation. 

Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX. contacted right as the Citibank debt had come off my credit report. As an honest person and gullible as well, XXXX did a bad thing to me. They threatened me with legal action and then settled with me from {$3900.00} to {$1900.00} and XXXX payments of {$25.00} dollars. I made my payment every month and then they disappeared and then XXXX XXXX took over and the agreement that I have in writing was stated null and void. Is this not illegal?

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 2023-07-12 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: FL

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I had a personal PayPal account that was opened and used for friends and family transactions. PayPal closed my account without any warning. They : -Kept the balance of {$4000.00} and refuse to release the funds for 180 days -Reversed a prior withdrawl in the amount of {$5300.00} from my bank without my consent. I have since filed a chargeback on this transaction. 

I have spent several hours on the phone with PayPal and have reached zero resolution. I am being discriminated against. They are yet to cite one reason for the account closure or terms of service that were broken. They always referred to the " back office '' and refused to let me speak with them. My family and friends continue to be able to use PayPal, I am being discriminated against and can not use their service. My funds are still being held without a reason given. My account was always in good standing with zero issues or chargebacks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WAFD BANK
State: OR

Complaint narrative:
Washington Federal Bank : Double-dipping on insufficient funds fees when the same auto draft attempts another day. Additionally, excessive junk-fees overall. 

*** Can not provide statements as I no longer have access to records since closing the WaFd checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I WANT TO HAVE CASH BACK WITHOUT BUYING NOTHIN ELSE! 
BANK OFAMERICA WROTE : Bank of America logo You have deals expiring.

Dont let your cash back deals expire You have cash back dealsXXXX that are about to expire. We dont want you to miss out, so be sure to use them soon. 
Click to activate your deals : + Up to 20 % Expires XX/XX/2023 + 5 % Expires XX/XX/2023 + Up to 30 % Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 55 % Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 1 month Expires XX/XX/2023 + 7 Days Expires XX/XX/2023 + 15 % Expires XX/XX/2023 + {$15.00} Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 15 % Expires XX/XX/2023 + {$20.00} Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + {$12.00} Expires XX/XX/2023 + {$8.00} Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 5 % Expires XX/XX/2023 See more deals

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 2023-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have to accounts opened within 30 days of each other XXXX. XXXX XXXX ( XXXX with Midland Credit Management ) # XXXX XXXX. XXXX XXXX  ( Currently with Midland Credit Management ) # XXXX I have disputed the collections since I have ( to my knowledge ever opened these accounts ) i am in the process of buying a home and i am taking the actions needed to document these accounts that i do not agree with

Company response to consumer: Closed with explanation