vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Upon further investigation, I have retained new copies of my credit reports, and noticed that XXXX XXXX # XXXX did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, XXXX. 
I have retained a copy and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required XXXX period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the CFPB and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that EXPERIAN, XXXX XXXX and XXXX may be liable for your willful noncompliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

I am aware of your illegal practices of sending form letters in response to disputes and challenges.

from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.

BSCF14 Terms Frequency : MISSING INFORMATION... There is inadequate information to justify a write-off status on my credit report for an account that does not even show XXXX, XXXX, or XXXX past due. this is an obvious error please delete it immediately. BSCF25 FCRA Compliance/Date of First Delinquency : Missing data and information. 
This account was never late and was also PAID IN FULL on time XXXX XXXX XXXX Please delete the error.

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 2023-11-16 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: FL

Complaint narrative:
The List of inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The following inquiries on my reports are unauthorized and not mine, : THESE ARE THE FRAUDULENT HARD INQUIRIES ON MY REPORTS ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards the data provided is not always accurate complete or update i demand that any wrong incomplete or unsupported material be updated XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: NJ

Complaint narrative:
XXXX COMMUNICATIONS keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to THE 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 non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: WA

Complaint narrative:
My name is XXXX XXXX, my email is XXXX I requested this Netspend send me my statement because my old email was no longer working, i provided my social security number and date of birth and pervious address to verify the transactions, but they refused to give it to me. saying i have to remember the last few transactions i placed, which is ridiculous, if i remembered every transactions I placed back in 2022, why do i need to request statement from them. I am old person as well. I doubt anyone can remembers out of their head which date and what amount they spent!!! Please help me contact netspent send me all my statement for my account ending in 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 2023-11-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I was victim to a phishing attempt posing to be a XXXX opportunity from my college. I happened to apply to several work study programs and internships to help pay tuition. In this email I was asked to provide some details such as my name and Banks ive used. I gave those details and was given a check to deposit. From here I sadly deposited the check into my Capital One 360 XXXX account using XXXX deposit. The check provided below was for {$950.00} dollars. Over time I caught on to the scam as he was asking me to send money without the check being cleared. But now my account with Capital One has already been restricted. I called the day of to get the check disputed but I was told it was still processing and would be available on the XX/XX/XXXX where I could go about disputing the check. Today XX/XX/XXXX I was told my account has been restricted and Based on the results of our review, your account ( XXXX ) XXXX be closed and your balanceplus all interest earnedwill be transferred to your externally linked checking account. Please if there is any information or details needed to prove this was a honest mistake and I was scammed I would gladly provide anything needed. I have no prior history of fraud nor do I have a criminal record of any sort.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention a matter of great concern regarding an international fund transfer I recently conducted through Bank of America. I believe this issue warrants your investigation and intervention. 

On XX/XX/XXXX, I initiated an online international transfer from my Bank of America account to an account in XXXX XXXX XXXX, both in US dollars. To my dismay, I discovered a significant discrepancy in the transferred amount on Wednesday. An amount of XXXX was debited from my Bank of America account, but only XXXX was credited to the recipient 's account in the XXXX  XXXX XXXX. These were completely different from the information provided online and on the receipt. 

In an effort to rectify this matter, I promptly contacted a branch at Bank of America this morning on Thursday. Regrettably, their response was unsatisfactory, as they informed me that they would not take any corrective action. 

I am deeply troubled by this situation, as it not only reflects a breach of trust but also raises questions about the transparency and fairness of the international transfer services provided by Bank of America. I believe that such discrepancies should be thoroughly investigated, and appropriate measures should be taken to rectify the financial imbalance. 

I appreciate your attention to this matter and look forward to a prompt and positive resolution.

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 2023-11-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2023 I erroneously made a payment on my Citibank credit card of nearly {$6000.00}. On XX/XX/2023 at about XXXX  ( PST ) I realized my mistake and called Citibank to receive a refund. I was informed it would take approximately XXXX - XXXX business days to receive my refund via paper check. I complained, and a supervisor 'over-rode ' the system so that the refund could be directly deposited to my bank account. However the refund still would not be issued for XXXX - XXXX business days. This seems like a long time, given the speed with which electronic transfers can be made. I asked to speak to the supervisor. I believe his name was XXXX, who repeatedly told me the same information, continuously interrupted me and did not listen to my concern. When I told him that, based on our discussion, i wanted to close my citibank credit card account, he asked for my text number to send verification, which I gave him. I asked that he also send confirmation that the refund was being processed. He refused, saying there isn't a system e-mail for that purpose, and he couldn't send personal information via e-mail or text. I wasn't asking for personal information, just a confirmation that they were working on my refund. I tried to tell him this, but he talked over me, and ultimately hung up on me. I have not received the text he said he would send to verify closure of the account. I have no assurance that my refund is being processed or will be made in a timely manner.

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 2023-11-16 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: MS

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Red River Credit Corporation
State: AR

Complaint narrative:
Company has stated that I re opened a loan in XXXX when I did not. Also they keep reporting different amounts and payment dates over time for the last 5 years. I have requested documentation and proof and then they re-hit my credit with more negative notes and different payment information. I show several different balances since XXXX when I originally began to try to fix my credit. I offered to see what repayment options I had to help pay the debt originally though the loan was a third party or straw purchase loan for someone else. The loans were for an ex I had for several years but she had limited income and could not get approved. I attempted to call and was always threatened with being sued, once I lost my job and we separated I wrote the loan off as something I would attempt to resolve should they ever allow me to and provide an accurate amount owed. The biggest issue is that the company never provided accurate information and the time lapse for the loan to fall off of my reports has passed. But instead of taking it off my reports they continue to change, alter, miss represent, fictitiously claim I made payments, and other malicious acts to continue to keep the infractions on my reports so they can continue to harm my credit. It is not ethically right and should be or possibly even could be illegal. Please help me resolve this issue so I can continue on with my life, they have written the loan off for a profit loss years ago and it does not harm them at all any longer, has not in over 8 years. Attached I have added several random different credit reports I can pull from different apps and statement stuff I have available from XXXX to XXXX, you can see major reporting differences and even were XXXX recent shows my balance at {$160.00} and XXXX recent shows I made several payments in XXXX, XXXX, XXXX and even XXXX? From my understanding the credit agencies all should benefit in my favor over this with the proof that I am sending. This account should be deleted in full and taken off of my reports. It is not fair at all that I continue to suffer and have major issues because this false reporting and lying that has been done.

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I asked them to correct addresses and employers that did not belong to me and they refused to remove them from my report. I have tried several times and gave up on this matter. I also asked them to provide me with report information and that was not provided so that I can correct the items on reports. I feel that this was not very fair on my behalf and want this information corrected 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 explanation
Consumer complaint received 2023-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The List of inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The following inquiries on my reports are unauthorized and not mine, : THESE ARE THE FRAUDULENT HARD INQUIRIES ON MY REPORTS ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 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 2023-11-16 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:
Between XXXX my information was wrongfully stolen, obtained, and used to fraudulently open, checking and savings accounts, multiple banking institutions, which I will provide below In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX # XXXX ( {$370.00} ), XXXX XXXX XXXX XXXX  # XXXX ( {$150.00} ), XXXX XXXX XXXX, XXXX # XXXX ( {$4900.00} ), XXXX XXXX XXXX  XXXX # XXXX XXXX {$390.00} ), XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX ( {$450.00} ) 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 2023-11-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank made me close two of my bank accounts and two of my three safety deposit boxes I had jointly with my mother in XXXX XXXX. I closed my savings and personal checking, and they let me keep my business account. I closed two of my safety deposit boxes. I had a meeting with XXXX around XX/XX/XXXX, XXXX they said at that time I signed a card and surrendered another box. I might have signed something, but I did not go into the box and empty it. The last person to sign off that card was XXXX. But I was not physically with him emptying the box on that day. Nobody has the right to empty the box without me or my mother present. Video surveillance should show that. The bank wont talk to me about it, or show me any of the sign in cards. 
On Wednesday XXXX XXXX my mother, went in to get something out of her box and they said there is no box. 
I asked XXXX to see all of the signature cards. XXXX said signature cards are thrown away after one year. As I was leaving I went back and told him it had been a little less than a year he changed his answer, and said they were thrown out at beginning of year, every year. He gave me a copy of the sign in card of the box that was closed in XXXX. 
He said the box was drilled, and he signed off that it was empty. no initials on card XXXX. 
XXXX also claims that he couldnt open it because he doesnt have the PIN number. he said that you have to have a pin number to open a box. I was told by the manager that that wasnt true either. She said sometimes you need it if youre going through their computer system instead of signing a card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom mortgage company purchased my loan but didn't attach XXXX exempt form to the loan causing my loan to be reported XXXX month behind on my credit report decrease my score.

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 2023-11-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Have address 's tht I've nvr lived vehicles a home loan I know nothing about someone's ss number on credit report all false credit score impacted data breaches

Company response to consumer: Closed with explanation