vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Edd issued XXXX relief which I applied and wasngranted. Someone had without my consent changed information on my edd account and locked me out. Bank of American wouldn't help me either so I filed a fraud case with edd. Took them almost 7 months to close everything down. Boa will not refund money that I didn't have access to that was taken. When I requested paperwork for it they only gave me bits and pieces of what I asked for. Plus when they did finally shut it down the last XXXX + charges are from edd but they have no record of these transactions. After XXXX long years of fighting to regain my name, verify in my accounts, and after hours of phone calls I've been told to kick rocks by bank of america. this whole experience while XXXX was happening ruined me, my business, my relationship, my cars gone and I've lost my house. Unable to regain any footing has even left me homeless the past two years.

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 monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hi capital one closed all my credit card account on XX/XX/year>. They refuse to provide me with a reason other than I am using my cards other than what they intended for. I am specifically concerned about my capital one venture x card which had a balance of XXXX points. Capital one refused to allow me to use my points ( either for {$10000.00} worth of gift cards or to transfer to an airline or partner ) instead they forcibly redeemed them for me for a statement credit of {$5300.00}. They also have refused to refund my {$390.00} annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This company sent me a XXXX XXXX XXXX  And the Care credit company said I owe them {$1300.00} but I sent the XXXX XXXX back to the company that sent it to me but They didn't tell Care Credit that they got it so now Care Credit are saying that I owe them {$1700.00}

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 2024-08-01 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: NH

Complaint narrative:
You are reporting Inaccurate information in consumer reports concerning me that you have compiled and published to third parties. The following trade-line items are because [ Reason ] : FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy, FCRA Section 623 ( a ) ( 2 ) - Misleading False Reporting, FCRA Section 603 ( d ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information, FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms, 15 U.S. Code 1666b. 

Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX XXXX  XXXX XXXX  Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX The Inaccurate accounts that you are reporting concerning me are harming me personally, emotionally, and financially, and causing me damage. Should you fail to make the requested deletion, I request that you provide me with the name and address of the person ( s ) that you contacted to allegedly verify the information that I have rightfully disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and I noticed several inaccuracies on my report. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items to ensure accuracy. Here is the item I am asking you to verify as accurate :XX/XX/XXXXXXXX

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 2024-08-01 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: VA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I disputed inaccurate information on my report. The XXXX credit reporting agency ' s will not remove them. It is starting to look unfair to minorities. No matter what you prove to them about their mistakes such as name, wrong bad address, and things that should not be on my report. closed accounts with no balances they will not remove.

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 2024-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Every month when I try to submit a payment online, there servers are always down and I can not submit a payment. After I can not submit a payment online, I try to call the provider after I can not submit the payment but they always seem to shut their phone system down. I do not like Mr Cooper and would like to switch my loan to another provider but the only way to do so is by refinancing. Mr Cooper has not made any attempts to make their systems better or provide a way to communicate directly with them in a timely fashion. Mr Cooper must provide better customer service to ensure that their customers can contact an agent when we are trying to pay our mortgage or have general questions about our accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
XX/XX/XXXX - 3 transactions were made in my checking account with CHASE bank in the amounts of {$730.00}, {$310.00}, {$73.00}. I noticed these pending transactions on XX/XX/XXXX and immediately called the bank and notified ( filed a claim ) of these unauthorized transactions. I informed the Chase presentative that these transactions were still pending and the bank SHOULD NOT approve these transactions because I did not make the purchases therefore these are unauthorized transactions. A claim was filed and a temporary refund was shown on my account within 48 hours in the amount of {$810.00}. 

Claim number : XXXX XX/XX/XXXX - A letter is uploaded to my CHASE account with an update on the claim : Here 's what you should know We have reviewed the information you provided. We have also reviewed other information available to us or provided to us by the merchant/third-party and determined you should have only received partial credit of the disputed amount. As a result, we are removing {$730.00} from your account on or after XX/XX/XXXX. 
As a result, we are removing {$73.00} from your account on or after XX/XX/XXXX. 
Contact us if you would like to request the information we used for our research. 

I called the bank on XX/XX/XXXX to reassure them that this is an unauthorized purchase. I also informed them that when originally filed the claim I mentioned 3 transactions and the claim only shows {$730.00} and {$73.00}. A transaction for {$310.00} was missing in the claim. I was informed by the CHASE representative that the next step would be to file a police report with the total amount of the transaction {$1000.00} and not to file a second claim for {$310.00} because the Police Report would cover the entire amount. On this day I also requested a copy of the research CHASE conducted. 

XX/XX/XXXX - I uploaded the Police Report to the Claim number : XXXX via the CHASE application. 

I filed a second claim for the {$310.00} Claim Number : XXXX and also uploaded the Identity Theft Police Report to this claim. 
XXXX Additional Information : XX/XX/XXXX - I opened my mailed box and had a letter from XXXX dated XX/XX/XXXX Notice of Data Breach. Letter informs that information included was " your name, basic contact information, and payment card information such as encrypted credit or debit card numbers and expiration dates. '' XX/XX/XXXX - I called CHASE to follow up on my claims and I have been informed that they did receive the Identity Theft Police Report and it is denied base on their research with the merchant. The merchant refused to pay CHASE therefore they are unable to refund me the money that taken from my account. For a second time I requested a copy of " research/investigation '' that chase conducted XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting 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: 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 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 2024-08-01 00:00:00
Product: Credit reporting 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: ND

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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 explanation
Consumer complaint received 2024-08-01 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:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : XXXX and list of Inquiries. 

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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  : XXXX and list of Inquiries. 

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 2024-08-01 00:00:00
Product: Credit reporting 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: 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 2024-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Just want to document with you, bring to your awareness... frequency of PROBLEMS associated with Nation Star Mortgage dba MR Cooper 's online difficulties, since their security breach of 2023. 

This morning, XXXX, I went through all the normal steps to enter my payment info -- only to be met with a 'problem ' AFTER submitting the payment info. AND after initiating this complaint, I received an email, with a confirmation number, that my payment was processed and scheduled for payment with my bank. 

This firm has a history of complaints, and I have refrained from adding to it, until now! They post too many crooked schemes, and UNWANTED 'offers ' all over their website -- MORE THAN NECESSARY to conduct fair practice business, ( in my humble opinion ). 

Frankly, I don't require a mortgage servicer, and would love the option to 'opt-out ', and conduct my own affairs!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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