vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year>, I ordered a XXXX XXXX XXXX XXXX XXXX from XXXX, in the amount of {$33.00}. I have a Bank of America bank record under their website named Account balance History of XXXX debiting the amount of {$33.00}, XXXX times once on XX/XX/year>, again on XX/XX/year>, and a third time on XX/XX/year> with no refunded money back into this same Bank of America XXXX XXXX account as of yet. I tried to voice my concerns of not being refunded my money from the company, XXXX for non-delivery and cancellation of this item to a Bank of America customer service representative, who went by the name XXXX, over the telephone on XX/XX/year> but denied me to dispute this item.

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 2024-10-31 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Unauthorized Inquiries : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
There was an automatic payment set up for my checking account that would automatically deduct {$35.00} to put toward my credit card every month. This was in place for 2 years and every statement had this on it : CHASE CREDIT CRD AUTOPAY PPD ID XXXX XXXXXXXX ACH debit. {$35.00} So I was led to believe that this money was in fact going to my credit card. I went to close my account yesterday and asked them how that would impact the autopay and they put me in touch with the credit card department. 

The credit card department said they have no record of ever getting {$35.00} credit toward my credit card. 

So they said I should put in a claim for this and after I did, they said they would only give me 3 ( out of 24 ) payments back because it's in their fine print that I have up to 60 days to issue a complaint. 

I had no complaint. I was led to believe that this money was in fact going to my credit card because every month on my statement, I was told it was -- which was a lie and they don't want to accept any responsibility for the mishandling of my money. 

The charge on my statement clearly says it was going to my credit card, so if it wasn't going to my credit card, where was it going? They don't know. 

I'd venture to say that it went into their pockets or it actually just was deleted from my account and handled like an accounting mistake, but this mistake hits hard when I'm trying to XXXX XXXX XXXX XXXX XXXX  off of a {$60000.00} salary which is impossible to do. 

This extra $ XXXX ( this was on top of the minimum payment I made every month ) I thought was going to pay down my credit card to put us in a better financial position when it wasn't and I think they should be held accountable for their own mistake instead of punishing a consumer like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: TX

Complaint narrative:
Your failure to validate disputed late payments on my credit report violates federal law. Despite my written dispute over 30 days ago, you have not responded or provided required documentation as mandated by the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My mother has had XXXX since XXXX. Prior to that in XXXX, both my parents gave me DPOA. To date, my mother 's health has diminished more with this diagnosis. I began paying her bills from her account at Chase in XXXX. I managed by just going to the bank and withdrawing monies to pay the bills. I have requested to be placed on the account twice because I have to file accounting with the court who appointed me guardianship annually. Recently the court granted me full guardianship and I have to supply bank statements that can be easily printed online for court purposes. I have had several court dates continued trying to get Chase to give access with legal court documents to take care of things such as court. I know how much money is in the account because I manage and pay all the bills. Chase recently sent my information to their legal department for the second time. I have legal guardianship from XXXX XXXX XXXX XXXX XXXX in Florida. I am under court deadlines and would like resolution to this problem. I am a responsible person with a perfect XXXX credit score and actually have credit cards with Chase, however they must know as children of parents with XXXX, we didn't ask for this responsibility. I had to pay an attorney to go through this process, take a class and annually will have to submit accounting documents to my attorney for my mom 's account filings. Please help the families of parents with XXXX/ health issues correct this problem. I am due back in court next week. I submitted my Legal Court Guardianship to Chase Bank on Saturday XXXX XXXX and I need assistance to have this corrected. When researching this problem, I am noticing this is a common problem with guardians and basis banks such as Chase and XXXX. My attorney stated his next step is to file a motion to compel and I would like to move forward legally as well because this has been unacceptable. Having to change banks, social security payments and all of the bills that are set up automatically would be a nightmare. I will enclose legal documents submitted to Chase who stated they will be submitting the information to their legal department. I have missed one court date due to this problem and my attorney and I will be before the judge again next week to explain why this hasn't happened yet. I am waiting patiently for Chase 's Legal department. Seems the only thing these companies adhere to is class action lawsuits.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-10-31 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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 am requesting your help with the account inaccurately listed on my credit report. This issue has damaged my reputation as a customer, and I need your assistance. I would like these accounts to be removed as they are both false and damaging.

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 2024-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The Consumer Reporting Agency ( CRA ) created a consumer report utilizing my names, which intellectual property are the private property of my Irrevocable Trust, without my written authorization or consent and is furnishing information from that unauthorized consumer report - information that was collected under false pretenses - to banks and other lenders, which has resulted in adverse actions that have caused serous harm. The CRA is in violation of the Trust law, the Fair Credit Reporting Act and federal intellectual property statutes.

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 2024-10-31 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: LEXISNEXIS
State: GA

Complaint narrative:
The Consumer Reporting Agency ( CRA ) created a consumer report utilizing my names, which intellectual property are the private property of my Irrevocable Trust, without my written authorization or consent and is furnishing information from that unauthorized consumer report - information that was collected under false pretenses - to banks and other lenders, which has resulted in adverse actions that have caused serous harm. The CRA is in violation of the Trust law, the Fair Credit Reporting Act and federal intellectual property statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: TX

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2024-10-31 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: TX

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2024-10-31 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. There are accounts that appear on my credit report and does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I was also informed that my information was a part of a medical facility Data Breach. 

There are also inaccurate addresses shown on my credit file. I have reported this information as fraudulent to the Federal Trade Commission as well as all bureaus. However, the fraudulent addresses are still are reporting on my account, which is making it more likely that someone can obtain credit fraudulently under my name. 

The correct and current and ONLY address that should be on my credit file is : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have lived at this address since XXXX of XXXX. I have attached my lease. Prior to this from the age of XXXX old up to XXXX yrs old, I lived at my parents home at : XXXX XXXX XXXX XXXX XXXX XXXX 

Please delete and block any and all other address reporting on my credit file. 
The following addresses do not belong to me and I am requesting that they be deleted and blocked from reporting to my credit file, as they do not belong to me. I have never lived at these address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately 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 2024-10-31 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: SC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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