vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-11 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: VA

Complaint narrative:
After my bank changed my account number, I logged into my Bank of America ( BoA ) online. I provided BoA with all requested bank information. BoA sent two trial deposits to my new bank account. On XX/XX/XXXX I entered both amounts, BoA displayed a message that the amounts were incorrect. Several times more I tried again and entered the two amounts. Again, each time BoA displayed a message that the amounts were wrong. They were not, as I checked carefully over and over. So, on XX/XX/XXXX I tried to call BofA. Its XXXX  automatic AI could not understand the purpose of my call. After rewording my purpose multiple times, I finally was connected to a LIVE BoA person at about XXXXXXXX XXXX  After spending several minutes identifying myself and my BoA account, the female employee was confused, referencing a different account. She could not understand the problem I encountered re the two trial deposits. After more minutes wasted she admitted that she was in the wrong department to help me. After wasting more time on hold, she said that she could not transfer me to the Credit Card Unit- why did the XXXX  AI route me to her? Then, she LIED and said that she would send me a link to resolve the problem. The link was nothing more than BoA 's home page! Thus, the call to BoA was a total waste of time, owing to BoA 's dysfuncional call operations and incompetent personnel. I have tried again to verify the deposits with no better result. MY PAYMENT IS DUE IN 11 DAYS, BUT UNLESS BoA corrects the problem, I will be unable to submit my payment, leading BoA FRAUDULENTLY CHARGING ME FEES and INTEREST for not paying. BoA is a disgraceXXXX XXXX THE PUBLIC while its executives get paid hundreds of million dollars and its shareholders reap dividends through .CORRUPTION.

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 2024-08-11 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: FL

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 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 2024-08-11 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: I.C. System, Inc.
State: IL

Complaint narrative:
For the past three years Ive been receiving numerous calls and emails from a collection agency asking about a XXXX XXXX bill that I owe for {$1000.00}. The agency is called I C System INC. Ive explained to them multiple times I never had a XXXX XXXX. Ive contacted XXXX several times to dispute this issue off my credit report and I tried disputing this issue on the XXXX website as well. However, nothing has changed but constant calls and emails from the collection company trying to force me to pay a bill that I never put in my name. On XX/XX/XXXX, of this year, I was denied for a home that I applied for due to having a this two fraudulent bills thats in the collections. Ive explained to them as well, I never applied for a credit card in my name and even explained this issue again to XXXX. This issue is holding me back from applying and being approved for a home and damaging my credit score. This issue has gone on for too long and something has to be done. I filed a complaint on the consumer complain.gov website. Also, the attached documents and a copy of my state ID ( front and back ) are uploaded now.

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 2024-08-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Genesis credit management tries collect wrong amount on contract it clearly says early termination results XXXX move out.They kicked me out the apartments for criminal.mischief..I don't owe anything because it was proven that I wasn't the one who did anything..They sent a letter apartments Said you have 3 days to leave..So I don't owe anything says I owe XXXX I was only there 28 days so they owe me money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim to of identity theft. I have never done business with these companies. Multiple companies are reporting the same debt to different bureaus. I have never authorized this company to use my name or likeness in any manner. I never signed a lease agreement. 

I request these fraudulent accounts be removed 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 2024-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I believe in XXXX of XXXX I requested for my Wells Fargo Secured Credit Card to be closed due to issues with Wells Fargo. Statement shows consumer closed account and this account was then charged off by Wells Fargo four months later, around XXXX XXXX. 
* Credit Reporting late payments on credit bureaus, If this secured credit card had a balance, I, the consumer, would not have been allowed to close my account. 
* Where did the $ XXXX balance come from if this was a closed account? 
* Normally, accounts must have a XXXX balance in order for the Consumer to Close an account. If account was closed by consumer, where did the balance that was charged off by Wells Fargo come from?

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 2024-08-11 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: IA

Complaint narrative:
THEY ARE CONTINUING TO REPORT THESE FRAUDULENT ACCOUNTS ONMY CREDIT REPORT EVEN AFTER BEING NOTIFIED. THESE ARE NOT MY ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: CA

Complaint narrative:
I disagree with the accounts listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. 

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  In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you VERIFIED the above, so that I may follow up.

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 2024-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo sent me a letter in XXXX saying that they did periodic reviews of customers and they decided my accounts needed to be closed. The only answers I got from Wells Fargo was that decision was final. I had almost XXXX XXXX XXXX  in my savings account averaged around a XXXX XXXX  in my checking account. I also had XXXX credit cards from Wells Fargo with a total of almost XXXX XXXX XXXX  and I also had a small loan. I never missed a payment or was late with a payment. They closed all of these accounts except the small loan which I promptly paid off early. This cost me XXXX points on my credit report because they closed the crredit cards as well as the checking and savings account. I was under the impression there had to be late payments or fraud in order for them to take this type of action. I did nothing wrong I was a good customer. Never late never over drafted any of my accounts and always paid on time and this is the result??

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 2024-08-11 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: FL

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 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 2024-08-11 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: FL

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 non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
i contacted equifax and them to verify some inaccurate information on my credit report. They responded and stated they did, however when i checked their were multiple inaccuracies, and invalid information. This is hurting my credit report and negatively impacting me from getting a house, student loans, etc. I would greatly appreciate if this were fix immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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:
" Upon reviewing my credit report, I discovered that I have been a victim of identity theft. I found several unauthorized credit inquiries that I did not initiate. Please remove the following fraudulent inquiries from my credit report. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
On XX/XX/year>, I was shown an advertisement for the Citi / AAdvantage Platinum Select Card while booking a flight, implying that I could use the promotion for that same flight. I applied for and was approved for a Citi / AAdvantage Platinum Select Card with a credit limit of {$14000.00}. At the end of the application process, there was an option to get a temporary card number. I planned to use this credit card to purchase my XXXX XXXX flight. The promotion offered up to a {$250.00} statement credit on eligible XXXX XXXX purchases in the first 6 months of account opening, plus XXXX bonus miles after {$2000.00} in purchases within the first 3 months of account opening. 

The XXXX XXXX website timed out or I might have close out of the tab, so I had to re-enter all of my information. By the time I was ready to input the credit card information, I couldn't find the tab with the temporary credit card number. I attempted to log into my new Citi account, but it said I needed the CSV on the back of my credit card. Since I was approved the same day, I won't receive my physical credit card for 7-10 business days.

I called Citi and spoke to 5-6 different agents. I was ultimately told that there was nothing they could do to trigger the temporary credit card number again and that I would need to wait until my physical card arrived. 

I believe I was deceived because the advertisement suggested I could use the credit card for the specific flight at a certain price. Now, I'll need to wait 7-10 business days to book the flight, and the specific flight will very likely be at a different price.

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 2024-08-11 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: CL Holdings LLC
State: CA

Complaint narrative:
Und

er 15 U.S. Code 1692, the Fair Debt Collection Practices Act ( FDCPA ) aims to protect consumers from abusive debt collection practices, which can include invasions of privacy and actions that compromise an individual 's capacity to contract. The law acknowledges that abusive practices contribute to personal bankruptcies, marital instability, and job loss, thereby highlighting the need to safeguard consumer privacy and competence in contractual matters. When a creditor or debt collector communicates through consumer reports without consent, it can be considered an invasion of privacy. The FDCPA restricts debt collectors from using any false, deceptive, or misleading representations in connection with debt collection, which includes unauthorized use of consumer reports. By asserting your rights under this law, you can demand that such communications cease and that any damaging information be removed from your consumer report, thereby protecting your right to privacy and ensuring your competency to contract is not compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: CO

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 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 2024-08-11 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: CO

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 non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was applying for a job, part of the hiring process was a background check. My employer told me my background check came back with no " social security trace '' I called Experian to get this issue resolved on multiple occasions. I was on the phone XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX to get this issue fixed, as well as possibly some other days. 

Experian told me that there is a data quality issue called a " split pin. '' They have said multiple times that they would put in a service request for me 3 separate times. This is still a recurring issue, the service request has done nothing.

I have asked for a manager 3 separate times and been denied. I have asked for a notice in writing that I would be helped and what was wrong, this was also denied. 

Today, a utility company couldn't find my credit history, so I was denied. Experian 's inadequacies are affecting my ability to apply for housing and jobs.

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 2024-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MT

Complaint narrative:
I tried to login to my chime app with both emails and it said error. I called to check because this was my main source for banking. They told me it was closed due to violating terms and conditions, which I did not. I didnt recieve any notices of closure. They told me I would not be reopened or recieve my funds back and that they were very sorry. They did not supply me with an evidence or reasons for why they decided to close my account. My money is gone and I have never had any issues with chime until now. Ive been a consumer of theirs for years. Im a single mom and own my own business, that money is needed.

Company response to consumer: Closed with monetary relief