vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I inadvertently double paid my balance for my Bank of America card ending in XXXX on XXXX and XXXX. Upon seeing the XXXX charge hit my bank account on XXXX, I immediately called Bank of America and requested that they refund the over-payment. They said it would take XXXX days to process. The credit on my card disappeared immediately after the call on XX/XX/year>, and my account since shows " ACH credit refund '' dated XX/XX/year>. I waited XXXX days, called on XX/XX/year> and they said that there must be an issue, and they would " reprocess '' the refund, and advised me to wait another XXXX  days. After XXXX  days ( XX/XX/XXXX ) I called back again and was told that XXXX days wasn't correct, that it would be XXXX business days. It is now XX/XX/year>, and has now been XXXX business days since that call and I still do not have a refund. 
I am now on hold with this company again. It has been XXXX weeks since they removed the credit balance from my credit card, and I still do not have a refund. I paid both payments via ACH, and asked that the refund be back to the same account from which I made the payments, and asked for the refund via ACH as I was told that would be the fastest way to receive my refund.

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
According to 15 U.S. Code 1681a, this is my statement that accuracy and fairness of credit reporting was not established and therefore is a result of identity theft and must be removed. The listed current address is not related to me the consumer. According to 15 U.S. Code 1681b, consumer reporting agencies are required to adopt reasonable procedures for meeting needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer. My correct current address will be attached in the documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: NJ

Complaint narrative:
I've reviewed my Consumer report and noticed that there was inaccurate accounts on my credit report. I've received an entire report with a totally different name. The credit reporting agency notified me that they've done an investigation which is not true because the reporting is not my name. 
Account XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum Accuracy I've contacted XXXX and asked them to investigate and remove the inaccurate accounts from my consumer report that they are reporting and I've requested specifically the alleged original application bearing my signature that they have not been able to provide such proof to me The law states If after any reinvestigation under paragraph 1 if any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I've reviewed my Consumer report and noticed that there was inaccurate accounts on my credit report. I've received an entire report with a totally different name. The credit reporting agency notified me that they've done an investigation which is not true because the reporting is not my name. 
Account XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum Accuracy I've contacted XXXX and asked them to investigate and remove the inaccurate accounts from my consumer report that they are reporting and I've requested specifically the alleged original application bearing my signature that they have not been able to provide such proof to me The law states If after any reinvestigation under paragraph 1 if any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information 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 explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I inquired about the possibility of closing a business checking account I recently opened at BMO bank XXXX, California branch, the next day, the branch manager at BMO bank went into my personal and business accounts to alter my telephone number ( change XXXX digit on my cell number and change the area code of my business number ) AND change my email address ( deleting one letter from the address. ) I believe the intention was to block me from receiving information of my accounts. I also received notifications of log-in attempts from unregistered device caused my on-line log in been locked up. Her actions were confirmed by BMO customer service with her digital footprints. I have not initiated, requested nor authorized these changes. 

I expressed my concerns about this bad actor having access to my PII and requested to escalate this case to protect myself, I was promised to receive manager 's outreach call the next business day, but no one contact me for the first XXXX hours of the next business day. I called into BMO 's fraud reporting department and was told to sit on my hands to wait for their call. I was told there's nothing I could request or do as a victim and as a customer. when I requested to speak to a supervisor, I was told there's no supervisor will talk to me. the person on the phone said he is the highest position I could talk to. 

in addition, after the initial discovery, an unknow payment was done form my account to a credit card company without card number, the result brings the account to negative balance. I filed for dispute with the bank, I do not have more details of this transaction. The bank couldn't provide digital footprint this time. I do not know the safety of my 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 2024-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
With CapitalOne, I do not have a balance of {$130.00}. A month has passed and this false information is still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Notified of this collection XXXX of 2023. Since then disputed with all credit bureaus, filed police report and obtained notarized ID affidavit. XXXX  account was then locked/frozen. All credit bureaus have a fraud alert on my account prior to this collections. All reports and information was sent back to the collections agency as they requested that information. I am still receiving mail from them saying I owe them the debt that is not mine, however it was removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
Every month I have to self report my account information as inaccurate, it is not automatically reported in 30 days or 45 days by Mohela. No one should have to self report their student loan balances as incorrect or uploading the account data, which is provided by Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: United PanAm Financial Corp.
State: TX

Complaint narrative:
Im seeing this United auto credit on my report and Im. Not aware of this I have asked them for more information and they have beat around the bush for this information I see its someone else on this loan that I am not aware of I need to see ALL original documents from this file with UNITED AUTO CREDIT IF I CANT SEE THE DOCUMENT I DEMAND THIS BE DELETED FROM ALL THREE OF THE CREDIT BUREAU. AS THIS INFORMATION ISNT CORRECT. THE PERSON YOU HAVE ON THIS LOAN I DONT KNOW THEM AT ALL. Did I come into United auto credit and get this car how was this car purchase

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAVALRY INVESTMENTS, LLC
State: NH

Complaint narrative:
Had a charge off with original debt date of XX/XX/year> Has been on my credit report for XXXX years Debt was sold and now appears as a new delinquency on my credit report thus lowing my score The original charge off was already a factor in my credit score.

The selling of the debt lowered my score when the original charg off was already a factor in my score

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank received a payment in a coordinated effort to steal XXXX dollars from me for services rendered. I specifically verified that all funds had been posted that day. A coordination of transactions was involved in multiple accounts. This allowed a former client to defraud me of XXXX in deposited payments for my service. Then claiming 4 days later that a " return " actually an illegal " reversal '' of charges was now debiting my account. The bank was clearly complicit in my losses including XXXX in business expenses associated with the criminal accomplice clients. They do not have the legal right to mislead and deceive their clients using defined terms unraveled to suit scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2024-06-11 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: DataMax Corporation
State: VA

Complaint narrative:
- Creditor : XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$370.00} I recently received your correspondence dated XX/XX/XXXX. This letter is formal notification that the debt you are reporting is disputed and is not a refusal to pay. Please send me a validation of this debt as soon as possible. 
Under the FDCPA you must send valid proof that these monies are owed by me. DO NOT send a simple printout showing my name and a dollar amount. You are expected to forward the following : *Original creditors full name and address *Date your company purchased said debt *Amount you paid for said debt *Date of last activity/payment, if any This is an official request for validation of debt, should you be unable to provide such proof and continue to report negatively against my credit, I will take action. Be advised also, that while an account is in dispute you must place the rating on hold. Continuing to report a disputed debt is a direct violation of the FCRA and will not be tolerated. 
Please provide Awaiting your information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
With XXXX, I do not have a balance of {$130.00}. A month has passed and this false information is still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
With XXXX, I do not have a balance of {$130.00}. A month has passed and this false information is still being reported.

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 2024-06-11 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: Early Warning Services, LLC
State: WA

Complaint narrative:
The following section refers to information provided to Early Warning about closed bank accounts. 
Contributor : XXXX XXXX XXXX XXXX Contribution Ref # : XXXXXXXX XXXX  Number XXXX XXXX Account Number : XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX XXXX : XXXX Phone : XXXX SSN/Tax ID # : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : Driver 's License/USA ID State : XXXX Incident Date : XX/XX/XXXX Principal Loss : Contribution Reason : Checking Account Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to 15 U.S. Code 1681a, this is my statement that accuracy and fairness of credit reporting was not established and therefore is a result of identity theft and must be removed. The currently listed name is not related to me the consumer. According to 15 U.S. Code 1681b, consumer reporting agencies are required to adopt reasonable procedures for meeting needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to 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
Consumer complaint received 2024-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XXXX I was a victim of fraud in which a check was stolen, washed, and digitally cashed in the amount of {$1500.00}. I filed two police reports as well as a report with Bank of America. They refused to credit my account the {$1500.00} until I threatened to leave the bank. They then gave me a provisional credit while the 90 day investigation took place. In that time I was given no updates and on XX/XX/year> they reversed the provisional credit and deducted the {$1500.00} from my business account. As the customer, I do not feel protected AT ALL by Bank of America. I want my money credited as it is not my fault the bank allowed fraud to occur on my account. There was XXXX communication to me about any further information needed from me for this claim. The bank stole from me and made no attempt to protect me or my business.

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Every month I have to self report my account information as inaccurate, it is not automatically reported in 30 days or 45 days by XXXX. No one should have to self report their student loan balances as incorrect or uploading the account data, which is provided by 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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Every month I have to self report my account information as inaccurate, it is not automatically reported in 30 days or 45 days by XXXX. No one should have to self report their student loan balances as incorrect or uploading the account data, which is provided by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Every month I have to self report my account information as inaccurate, it is not automatically reported in 30 days or 45 days by XXXX. No one should have to self report their student loan balances as incorrect or uploading the account data, which is provided by 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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I disagree with the account listed below which still appears 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 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. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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