vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Somebody stole my information my identity stole my XXXX card I guess and spend up everything I had I guess that's what Bank of America told me everything was fraud I keep showing them gave them police reports did everything under my power and they still deny me when is supposed to be zero liability when all this was fraud they put cars in my name use my XXXX XXXX XXXX  and it's a lot of stuff I'm going through and I showed them all that and they still want to deny my claim and I'm doing the best 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 monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
Recently checked my credit file and my XXXX XXXX and discovered several new alarming things. 1st a new collection was added to 2 credit reporting agency reports that I have never heard of for an XXXX XXXX XXXX account that I never opened. Next there are dozens of random inquiries on my credit file with XXXX XXXX, Equifax and XXXX. 
XXXX and XXXX XXXX have Fraud warning on my reports that I need to be contacted and I was not in regards to these inquiries. 
Next I went to open a new checking account and discovered that all the same places that were on XXXX XXXX, Equifax and XXXX were on my XXXX XXXX and I wasn't looking for any banking account needs until XX/XX/XXXX. All the other activites have been outside that date several XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$180.00} that I have reported to the police and is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Recently checked my credit file and my XXXX XXXX and discovered several new alarming things. 1st a new collection was added to 2 credit reporting agency reports that I have never heard of for an XXXX XXXX XXXX  account that I never opened. Next there are dozens of random inquiries on my credit file with XXXX XXXX, XXXX and Experian. 
Experian and XXXX XXXX have Fraud warning on my reports that I need to be contacted and I was not in regards to these inquiries. 
Next I went to open a new checking account and discovered that all the same places that were on XXXX XXXX, XXXX and Experian were on my XXXX XXXX and I wasn't looking for any banking account needs until XX/XX/XXXX. All the other activites have been outside that date several XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$180.00} that I have reported to the police and is enclosed.

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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One sent me a letter in XX/XX/2022 regarding a fraudulent account. They identified an account that did not belong to me, and they sent a letter to XXXX on XX/XX/2022 ( see attached ) asking them to remove the account because of Fraud. The account was removed ; however, the inquiry was not - and there would be no inquiry if the fraud had not occurred. 

I have written letters and made several phone calls asking for help to no avail from XXXX, but XXXX and XXXX removed the inquiry. 

Please, can someone help me with this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting inquirys I did not authorize I need them removed immediately from my report also reporting a ADDRESS that's not mine delete immediately from my report XXXX XXXX XXXX is not my address remove immediately And the 2 inquirys

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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX  RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account : XXXX To Whom It May Concern, I am writing you to request your assistance for the deletion of this account are remove the late payments to paid on time from my XXXX & Experian credit profiles. This account is reporting inaccurate information on my credit bureaus. I have called and sent letters as far back as XXXX XXXX, requesting the deletion are To date the inaccurate information no actions have been taken. I have attached all required supporting documents for your reference. I apprecigeate your assistance, and please feel free to contact me directly at XXXX if you need any additional information i have never received anything from XXXXXXXX XXXX trying to resolve this issue... this reporting issue is cause me hardship

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 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
been charged overdraft after deposit the amount

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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi there, I have had issues with XXXX XXXX not accurately reporting positive activity on my account. 

My score dropped XXXX for 1 late payment and when I made a payment to catch up on the payment it was immediately not shown positively on my account. I also noticed this for XXXX too. I should have gotten points for paying down my credit cards which still shows that the cards were not paid down. And I should be given positive points added to my credit score reflecting this because I am working on building better credit so I can have fair housing. 

I also noticed that equifax did the same thing I paid down 3 different credit cards and positive activity was only given for one card. And for XXXX no positive activity was given. Not having my positive paying reflecting on my credit does not allow me to have fair housing opportunities because of a low score when I hardly have credit and is making efforts in paying down debt to receive positive score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi there, I have had issues with XXXX XXXX not accurately reporting positive activity on my account. 

My score dropped XXXX for 1 late payment and when I made a payment to catch up on the payment it was immediately not shown positively on my account. I also noticed this for Esperaian too. I should have gotten points for paying down my credit cards which still shows that the cards were not paid down. And I should be given positive points added to my credit score reflecting this because I am working on building better credit so I can have fair housing. 

I also noticed that XXXX did the same thing I paid down 3 different credit cards and positive activity was only given for one card. And for XXXX no positive activity was given. Not having my positive paying reflecting on my credit does not allow me to have fair housing opportunities because of a low score when I hardly have credit and is making efforts in paying down debt to receive positive score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
All the major reporting agencies have the documents that showed XXXX  XXXX XXXX was removed from the report in XX/XX/XXXX because it was more than 7 year 's since last payment was XX/XX/XXXX, now that XXXX XXXX  has the same account that was deleted, and reporting false information, the credit reporting agencies are refusing to delete the account that is 9 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation and blankly ignoring the laws that they are by law to follow. 

According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

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 as well XXXX  - acct # XXXX XXXX- acct # XXXX XXXX - acct # XXXX XXXX XXXX - acct # XXXX XXXX XXXX XXXX - acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. ( clear violated ) 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 I did not give you all any 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. 

According to the FCRA if after any REINVESTIGATION of any information disputed by the consumer, a item of the investigation appear to be inaccurate, incomplete, or can not be properly verified the consumer agency 's must Delete and remove immediately. 

Please provide me with the following items for each account : *original contract with my original signed signature *Written permission to furnish account on my consumer report *PAY off disclosure *Interest Rate Disclosure *Balance History *Payment History *credit insurance This is the last time I contact you for accurate reporting before I hire a consumer lawyer to assist as well as seek any money for furnishing the account damaging me mentally and emotionally. 
I have all the evidence to do so.

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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have accounts showing that I have late payments or delinquent payments which is inaccurate. 

XXXX XXXX XXXX ( Late Payment ) DPED XXXX ( Late Payments/ Delinquent ) DPED XXXX ( Late Payments/ Delinquent )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2023-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I called XXXX to ask why I was getting and bill back in XX/XX/14. Reported the account as Fraud and even stated the address that is on the billing address is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a company that has fraudulently claimed i owe them {$680.00} appear on my credit report. 

I have disputed this with the credit agencies and all of them ( except equifax ) removed the claim due to the fact that no documentation was provided by the creditor claiming the debt was owed. 

Equifax on the other hand will not request proof of the debt owed ( i.e. signed contract ) and is telling me the onus is on me to provide documentation that the debt is fake. 

I can not provide documentation proving the debt is fraudulent because its impossible to prove a fake claim is fraudulent. 

The XXXX  is on the credit agency to request proof the claim is genuine. 

To further compound this issue equifax is saying that any request must be sent in by writing, via snail mail, and provided with a photocopy of my social security card, my W2, and drivers license. 

Of all the companies in the world - id assume a credit agency to follow best information security practices- but it appears they are simply making this dispute process as difficult for the consumer as possible. 

Let alone the fact that sending in a photo copy of my SSN card, Drivers license, and W2 - is a magnificent security risk. Should my letter be lost or intercepted, whoever opens it can easily steal my identity. 

Equifax in general are making the dispute process extremely difficult. When i asked what evidence they had for the debt, they told me that my name was in the collectors system - and that is all the evidence they need. 

When i dispute it and they say they are going to specficially ask the debt claimant to provide documentation supporting their claim, they do not follow through. 

I have disputed 4 times now and each time they do the exact same thing. 

Im at my wits end as equifax will not help me, and is making this process as difficult for the consumer as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I open the bank account on XX/XX/2023, I made few transactions no more than {$5.00} then on XX/XX/XXXX I deposit {$100.00} into my account, I went to the store to make a transaction and it was declined twice I was trying to get my son some work shoes. I went to the local branch they couldn't assist me I talked to about XXXX different representatives they keep giving me a generic answer that my account is in review and my funds are frozen I can only deposit money into the account. I message the chief executive, he haven't reply back either, I just want my bank account unfrozen

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 2023-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I was sick at the time the account was open. someone who was living there at the time stole my information and open serval accounts under my name i have no knowledge of the accounts including the bank account that was made under my name. i would love to have this removed. 


MIDLAND CREDIT MANAGEMENT XXXX

Company response to consumer: Closed with explanation