vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-13 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:
XXXX XXXX and XXXXXXXX XXXX are FURNISHING LATE TRANSACTIONS on my consumer report and I DEMAND that you exclude the following transactions from my consumer report immediately on the basis of 15 USC 1681a Definitions ; Rules of Construction ( 2 ) EXCLUSIONS-CONSUMER REPORT DOES NOT INCLUDE ( A ) ( i ) report containing information solely as to TRANSACTIONS OR EXPERIENCES between the consumer and the person making the report. I will be collections {$1000.00} per violation on my consumer report per 15 USC 1681XXXX XXXX for XXXX XXXX if these transactions are not immediately removed! 


I have uploaded my XXXX for proof of identity ( address will be changed asap ) AND A COPY OF MY LEASE for proof of address so you can STOP stalling by asking for information that I had already sent on multiple disputes via certified mail, which I have proof of!

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 2023-12-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I was told that the last payment on this account was made on XX/XX/. It has now been over 7 years and they are reporting on my credit. When asked what my XXXX date was they refused to answer the question. When i asked for a manager i was left on hold for 30 mins and then hung up on. This account is falsely on my credit report ad nor do i admit ownership of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I have maintained a Bank of America credit card since XXXX and they have always mailed me a statement of my account by US mail when I used the card. On XX/XX/XXXX, I charged the amount of {$17.00} on the card. On XX/XX/XXXX, I received a notice from my bank that my credit report reflected a late payment. After researching this " delinquent payment notification '', I discovered that there was an unpaid balance on my Bank of America credit card. This notification also dropped my credit score from XXXX to XXXX. I never receive a billing statement from Bank of America in the mail for this charge. When I called Bank of America about this unpaid balance they told me the statement was emailed to an old email account that I don't regularly check. Without my knowledge, or consent, they changed my account to " paperless billing ''. I have since paid 100 % of the balance ( including interest ). I also called them to have them retract the delinquent payment notification to the credit agencies and they have denied my requests.

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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX and XXXX me and my ex husband XXXX XXXX owned properties in XXXX CA. He indicated to me that we where losing them in foreclosure. He unfortunely went behind my back and filed for bankruptcy to save the homes and continue collecting rent. I was never made aware of this. He filed joint bankruptcy paperwork without my knowledge. My next step is to file a police report with the XXXXXXXX XXXX XXXXXXXX. I am unsure if he filed taxes in those years also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
My account with crypto.com was locked out and I'm unable to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: TX

Complaint narrative:
I was a victim of the Equifax data breach, due to which my personal information was sold and bought illegally. I am requesting that the items related to this breach be deleted from my credit reports immediately. I have attached proof of Equifax 's admission that I was a victim of the breach, yet they have continuously ignored my disputes. I urge you to help me remove this illegal account from my credit reports. 

XXXX XXXX XXXX - {$7300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I checked my credit report and saw accounts that I did not create and belong to me.

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 2023-12-13 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX that is currently reporting to my credit report is is holding up the process of me buying a new home. The account is FRAUDULENT and UNAUTHORIZED. XXXX XXXX XXXX XXXX # XXXX filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA XXXX. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

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 2023-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DK, Consulting, Inc dba Huntington Financial Services
State: MD

Complaint narrative:
XXXX XXXXXXXX XXXX I started receiving text messages from an unknown number stating I needed to reconcile an account that might be mine. The messengers name was XXXX, no last name given. Messages also did not have a subject nor details regarding alleged account or company of alleged account. XXXX XXXXXXXX XXXX I received another text message stating, We previously called due to the state that you reside and issued a notice to you but haven't heard back yet. Before we proceed with any further steps, including sending documents to employment verification it's essential to talk to you about your options. Please note, this issue is both time-sensitive and time-stamped, requiring your immediate attention today.Contact us at XXXX Send STOP to opt out. 

I called immediately out of urgency and curiosity. The caller said my account was from XXXX and I owed a small balance of, {$180.00} from a XXXX account, and I accrued 2 years of interest fees but they would take the smaller amount to cover the defecit. I questioned the caller because I could not find any proof of collections on my credit, I looked in my Wayfair account and my XXXX and only order was paid in full, my XXXX account showed no signs of an order from XXXX, so all signs were clear that this had to be fake. I still wanted to be sure so while the caller was getting belligerent and eager to receive a payment, I asked him if I could call back to make a payment after I verified with XXXX. He said, sure but they would tell me my account was sent to collections so I should just pay right now or suffer more fees. I asked him for the so called account number to cross reference when I called him and he gave me a XXXX number. I asked for his company name and he stated, XXXX XXXX XXXX, I then thanked him and said I will call you back because I dont believe this is right I dont have any accounts open and its not on my credit report. He continued to argue with me so I hung up and called XXXX. Confirmed my suspicions and came directly to this website per the XXXX representatives advice.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My father designated his accounts split XX/XX/50 payable upon death to my sister and me. He bought a CD at Wells Fargo in the amount of {$160000.00}. Wells Fargo removed the Payable Upon Death beneficiary designation without informing my father on the CD. Consequently, Wells Fargo has held my fathers money for two years now in a subpar CD rolling over, refusing to pay it out, after his death. My Dad was XXXX XXXX XXXX. There was no way my Dad knew Wells Fargo removed his beneficiary designations when he bought the CD. That was specifically AGAINST his wishes!

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 2023-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
In XXXX, I opened an Amazon account and signed up for the Chase credit card ( XX/XX/XXXX ), offered through XXXX. In XX/XX/XXXX, I finally signed into the Chase account and found that charges from XXXX XXXX, a service I have never purchased, received, or used, was charging my account XXXX XXXX  monthly from XXXX, then XXXX XXXX monthly from XXXX. I immediately contacted Chase to inform them of these fraudulent charges, Chase credited the charges back to my account, then overnight, replaced the charges back, stating that XXXX XXXX said I had an account. From XX/XX/XXXX to XX/XX/XXXX, I have been working with Chase and XXXX XXXX to resolve this issue. XXXX XXXX representatives and managers have stated that I would be paid in full, since there was no evidence of me having or activating an account. The many conversations have been on three-way calls with Chase representatives present. On XX/XX/XXXX, I received a statement letter, in my Chase account, stating " We resolved your dispute '', stating, " the charge you disputed is valid ''. " It will remain on my credit card account ''. This is totally unacceptable, that they would expect me to pay a charge that I never activated or received. Currently, the balance is {$2500.00} and growing with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: PA

Complaint narrative:
I am writing to express my deep concern and dissatisfaction with the recent update to my credit report, which I have thoroughly reviewed. Despite receiving an updated copy, I was surprised to discover the same error and inaccuracy that I already raise and dispute to your agency. This situation is particularly troubling for me, as I am currently facing challenges in securing a new line of credit. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 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: PA

Complaint narrative:
I am writing to express my deep concern and dissatisfaction with the recent update to my credit report, which I have thoroughly reviewed. Despite receiving an updated copy, I was surprised to discover the same error and inaccuracy that I already raise and dispute to your agency. This situation is particularly troubling for me, as I am currently facing challenges in securing a new line of credit. 

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 explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
An unauthorized charge of {$3200.00} on XX/XX/2023 was charged to my credit card. Ive tried disputing with navy federal but was told theres nothing they could do about it without proper documentation. Ive submitted documents and was told those wouldnt work. So I appealed for a 2nd time with more documents and was told I can no longer appeal my case. This charge has been extremely detrimental to my credit score and completely unacceptable

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
Around XX/XX/2023, XXXX XXXX ran a hard inquiry on my report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I deposited a check today. I was NOT informed that a 7 day hold would be placed on the account. If I was informed of this, I would not have continued with the transaction and would have gone through a different bank. I needed the money quickly and had no reason to think that upon clearing, MY money would be available to me. I was informed that a hold was placed on the money at their discretion. Even upon my check clearing, my money would not be available until 7 business days after depositing. I never was informed of this prior to depositing, and once the money has cleared, there is no reason for them to keep my money with this hold. Also, the check was from a well-known, profitable establishment with a good reputation. There was no reason to think the funds would not be available. Huntington could not provide me with a reason they thought the funds might be available, just that things are at their discretion. I do believe that holding money without consumer knowledge is theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I field a dispute with cash app because {$420.00} was tooking out my account with out my knowledge or authorization they denied my dispute but clearly saw my account was changed to were I couldn't get in I followed ever last step but still did not get any Justice my money was stolen from me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts and addresses 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 ( AN ( 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 2023-12-13 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts and addresses 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 ( AN ( 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 2023-12-13 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX that is currently reporting to my credit report is is holding up the process of me buying a new home. The account is FRAUDULENT and UNAUTHORIZED. XXXX XXXX XXXX XXXX # XXXX filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA XXXX. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

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 2023-12-13 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX that is currently reporting to my credit report is is holding up the process of me buying a new home. The account is FRAUDULENT and UNAUTHORIZED. XXXX XXXX XXXX XXXX # XXXX filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA XXXX. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: OH

Complaint narrative:
I was taken advantage of due to malpractice while your company broke several laws under FCRA. You've hurt my financial ability to attain credit. 15 U.S.C. 6805 was amended by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 to give the CFPB primary responsibility for enforcing the GLBA 's consumer protection provisions for certain financial institutions. Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure were reporting 100 % correct. As you can see on the attachments I've provided for evidence none of the credit reporting agencies have all the same inquiries. The CFPB has issued guidance suggesting that CRAs should not report excessively granular payment history. This emphasizes the need for a balance between providing sufficient information for credit assessment and respecting consumer privacy. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. You Violated the United States Code Law 15 U.S.C. 1681g ( a ) ( 5 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter. No agency shall disclose any record that is contained in a system of records by any means of communication to any person, or another agency, except under a written request by, or with the prior written consent of, the individual to whom the record pertains 5 U.S.C. 552a ( b ). I did not give written or oral consent to any company to disclose any of my non-public personal information.

Company response to consumer: Closed with explanation