vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I can't remember the date but I know it was XXXX  I opened account with them in downtown  XXXX RI. That's when they said I owed money that was an error, they even said that they will open an account with me and try to resell the matter which never happened. A month later I went to open an account with XXXX and they said their was a consumer report possible fraud, was so upset I went and closed my account. I called you guys and they told me to write a letter and send it in, which I did, I called back about 60 to 90 days after and they told me it was off the consumer report, but a few months ago I received a letter from a collection agency stating that Bank of America is stating I still owe them money which was supposed to be resolved and tried operating an account with XXXX and they denied me because of Bank America, this bank is the worst, I never owed any money or when they opened my account they would have put a negative balance, I just want them to stop Harassing me and lying to other banks or creditors, I just want this negative statement off my consumer report indefinitely.

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 2023-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: UT

Complaint narrative:
I placed a security deposit of {$300.00} as collateral for a secured credit card. US Bank closed my credit card AFTER I had paid the credit card balance in full. While I am not concerned with the closure, I have never received the security deposit US Bank held. I have sent multiple requests to US Bank, including the proper address to return the deposits funds to. However, after apx 1 year, I still have not received a response from the bank or the funds that should have been returned. 

I am requesting that US Bank return my full security deposit plus any applicable interest to the following address ( same as on file ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah 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 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Chex system is reported incorrect information on my credit report resulting to denied Bank account and or credit application I have froze my chex system profile and yet chex systems refuses to hoor my request reporting in accurate information and no abiding by the law the the CFPB and FTC has put forth to protect consumers from wrongfuly being denied credit and or opening g a band account

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 2023-10-22 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: AL

Complaint narrative:
Know action has been taking by XXXX, XXXX, Transunion on updated information, deleting inaccurate information and updated 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 explanation
Consumer complaint received 2023-10-22 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: AL

Complaint narrative:
Know action has been taking by Experian, XXXX, XXXX on updated information, deleting inaccurate information and updated 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 2023-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson capital is constantly trying to collect on a debt of which the amount and or debt is incorrect I made numerous attempts to contact Jefferson capitalal and I was met with a lawsuit despite my numerous attempts to recover founded informed so I may check and despite any inaccuracies. Jefferson capital refuses to furnish ne with a copy of said information and I fear that this default will result in garnishment of wages. 
I recieved three accounts from Jefferson capitan Capital on XXXX XXXX XXXX XXXX XXXX These amounts are incorrect and need to be corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 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: FL

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 U.S.C. 1681. 

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 


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 : States a consumer reporting agency can not furnish account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 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: CCS Financial Services, Inc.
State: MD

Complaint narrative:
Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX Re : Dispute and Request for Debt Validation Reference Number : XXXX Date of Receipt : XX/XX/23 To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt associated with the above-referenced account. I received a notice from Credit Collection Services regarding this debt on XX/XX/23, as indicated by the reference number mentioned above. 

I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under Section 809 ( b ), which allows me to request written verification of this debt.

Please provide the following information to validate the debt : 1. The name and contact information of the original creditor.

2. The original account number, if different from the one mentioned.

3. Detailed documentation confirming the amount owed, including a full account statement.

4. Proof of your authorization to collect this debt.

5. Any applicable agreements or contracts bearing my signature. 

I request that you cease all collection efforts and refrain from reporting this alleged debt to any credit reporting agencies until the debt is validated per my request. Failure to provide proper validation within 30 days from the date of this letter will result in a formal cease and desist order, and I will consider taking legal action to protect my rights under the FDCPA. 

Please reply in writing to the address provided above. Do not contact me by phone, as I prefer all communication to be documented. 

Sincerely, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
XXXX XXXX is constantly trying to collect on a debt of which the amount and or debt is incorrect I made numerous attempts to contact XXXX XXXX and I was met with a lawsuit despite my numerous attempts to recover founded informed so I may check and despite any inaccuracies. XXXX XXXX  refuses to furnish ne with a copy of said information and I fear that this default will result in garnishment of wages. 
I recieved three accounts from XXXX XXXX XXXX on XXXX Aspire XXXX Aspire XXXX These amounts are incorrect and need to be corrected

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing to express my profound dissatisfaction with the recent experience I had at the Bank of America bank branch located at XXXX XXXX XXXX XXXX. On XX/XX/23, I visited the bank to cash my paycheck from my employer, XXXX XXXX XXXX XXXX XXXX To my dismay, I was subjected to a highly disappointing and unprofessional encounter with the bank tellers. 

My paycheck, which was issued by XXXX XXXX, was refused for cashing, and I was informed that the bank would only honor it if I opened an account. This requirement took me by surprise and left me feeling marginalized and racially profiled. I strongly believe that the amount of my paycheck should not dictate how I am treated as a customer. 

This incident not only caused significant inconvenience but also made me a day late in paying my bills, which I find unacceptable. Such practices not only tarnish the bank 's reputation but also result in unnecessary stress and financial difficulties for customers like me. 

I request that you investigate this matter thoroughly and take appropriate action against the tellers involved in this incident. Discriminatory practices have no place in any reputable institution, and it is crucial that steps are taken to prevent such incidents from recurring. 

Furthermore, I would appreciate an official response the bank acknowledging this complaint and outlining the steps they plan to take to ensure a more inclusive and fair approach to serving the community. 

Instead of honoring the check, I have to wait 7 days for my bank to verify the XXXX party check placing me at risk of losing my insurance, and delaying other bills that could put my livelihood at risk.

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 2023-10-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Lending Services LLC
State: IL

Complaint narrative:
I have reached out to XXXX XXXX on behalf of global XXXX XXXX services, which is reporting to my credit as a repossession of a car. I am a victim of identity. I have sent in all the information to provide that I am a victim of identity .I have sent in my police report all of my correct personal information. I spoken with one of XXXX XXXX representative by the name of XXXX XXXX she advised me that global lending services is not accurately verifying the information that is reported they have not responded to none of the letters that was sent to them by XXXX XXXX she also advise me that global lending services are just stating verify it with no proof. I also have requested the contract that was signed supposedly by me from Globa Leading services still no response but Globa Leading services is still reporting an auto loan to my XXXX XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 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: MD

Complaint narrative:
In 2017 a credit card was opened fraudulently in my name with XXXX XXXX. When I finally realized this account, it was completely maxed out and reporting as a charged off account. This was and still is hurting my credit score with all 3 major credit bureaus. I have been disputing this account with XXXX XXXX since then with no luck even with a police report that I provided to them and added to my credit file with XXXX, XXXX, and TransUnion as well as a fraud alert for future security so that creditors and I can make sure that it is in fact me applying for credit. Recently, I opened a credit card financed thru XXXX XXXX, went thru the verification process identifying myself with security questions and was approved. One month after, I tried using that card and was declined. When I called to ask why my card was not working, a rep told me that my card was completely closed due to identity theft. After being transferred to over 5 different people, I was told that this card was opened fraudulently and they would not reopen this account. I explained what happened to me in 2017 when an account was actually opened fraudulently and this was a mistake because I went thru the steps to identity myself to attain this card. XXXX XXXX said there was nothing they could do but now I am blocked from ever getting approved financed from them going forward. The actual fraudulent credit card is still reporting negatively. They closed a legitimate card for no reason however kept reporting the fraudulent card. I have had a mortgage account in excellent status for over 12 years and was a part of the class action suit XXXX XXXX was involved in regarding their employees opening fake accounts so this is unbelievable to me. Remove this account immediately from my credit 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 2023-10-22 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: MD

Complaint narrative:
In 2017 a credit card was opened fraudulently in my name with XXXX XXXX. When I finally realized this account, it was completely maxed out and reporting as a charged off account. This was and still is hurting my credit score with all 3 major credit bureaus. I have been disputing this account with XXXX XXXX since then with no luck even with a police report that I provided to them and added to my credit file with Equifax, XXXX, and XXXX as well as a fraud alert for future security so that creditors and I can make sure that it is in fact me applying for credit. Recently, I opened a credit card financed thru XXXX XXXX, went thru the verification process identifying myself with security questions and was approved. One month after, I tried using that card and was declined. When I called to ask why my card was not working, a rep told me that my card was completely closed due to identity theft. After being transferred to over 5 different people, I was told that this card was opened fraudulently and they would not reopen this account. I explained what happened to me in 2017 when an account was actually opened fraudulently and this was a mistake because I went thru the steps to identity myself to attain this card. XXXX XXXX said there was nothing they could do but now I am blocked from ever getting approved financed from them going forward. The actual fraudulent credit card is still reporting negatively. They closed a legitimate card for no reason however kept reporting the fraudulent card. I have had a mortgage account in excellent status for over 12 years and was a part of the class action suit XXXX XXXX was involved in regarding their employees opening fake accounts so this is unbelievable to me. Remove this account immediately from my credit file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 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: MD

Complaint narrative:
In 2017 a credit card was opened fraudulently in my name with XXXX XXXX. When I finally realized this account, it was completely maxed out and reporting as a charged off account. This was and still is hurting my credit score with all 3 major credit bureaus. I have been disputing this account with XXXX XXXX since then with no luck even with a police report that I provided to them and added to my credit file with XXXX, Experian, and XXXX as well as a fraud alert for future security so that creditors and I can make sure that it is in fact me applying for credit. Recently, I opened a credit card financed thru XXXX XXXX, went thru the verification process identifying myself with security questions and was approved. One month after, I tried using that card and was declined. When I called to ask why my card was not working, a rep told me that my card was completely closed due to identity theft. After being transferred to over 5 different people, I was told that this card was opened fraudulently and they would not reopen this account. I explained what happened to me in 2017 when an account was actually opened fraudulently and this was a mistake because I went thru the steps to identity myself to attain this card. XXXX XXXX said there was nothing they could do but now I am blocked from ever getting approved financed from them going forward. The actual fraudulent credit card is still reporting negatively. They closed a legitimate card for no reason however kept reporting the fraudulent card. I have had a mortgage account in excellent status for over 12 years and was a part of the class action suit XXXX XXXX was involved in regarding their employees opening fake accounts so this is unbelievable to me. Remove this account immediately from my credit 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 2023-10-22 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: LA

Complaint narrative:
The information on my credit report doesnt belongs to me I would like the information removed from credit report. I filled a report through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$25.00} XX/XX/XXXX ( late payment ) XXXX XXXX XXXXXXXX {$320.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX {$570.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$25.00} XX/XX/XXXX ( late payment ) TRANSUNION XXXX XXXX XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX ) XXXX {$570.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$25.00} XX/XX/XXXX ( late payment XXXX XXXX XXXX XXXXXXXX {$320.00} XX/XX/XXXX Top Inquiries Creditor Name Type of Business Date of inquiry Credit Bureaus XXXX Miscellaneous XXXX XXXX  XX/XX/XXXX XXXX XXXX - XXXX XXXX Reporters XX/XX/XXXX XXXX XXXX XXXXXXXX Miscellaneous and public record XX/XX/XXXX TransUnion XXXX, XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX TransUnion XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX Miscellaneous XXXX XXXX  XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX  Finance other than personal XX/XX/XXXX TransUnion XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX  Miscellaneous and public record XX/XX/XXXX TransUnion XXXX XXXX  General Clothing Stores XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Banks XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXXXXXX XXXX and XXXX XXXX  XXXX XX/XX/XXXX TransUnion

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 2023-10-22 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: LA

Complaint narrative:
The information on my credit report doesnt belongs to me I would like the information removed from credit report. I filled a report through XXXX XXXX CREDIT REPORT XXXX XXXX XXXX XXXX {$25.00} XX/XX/XXXX ( late payment ) XXXX XXXX XXXXXXXX {$320.00} XX/XX/XXXX EXPERIAN CREDIT REPORT XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX {$570.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$25.00} XX/XX/XXXX ( late payment ) XXXX CREDIT REPORT XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX ) XXXX {$570.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$25.00} XX/XX/XXXX ( late payment ) XXXX XXXX XXXXXXXX {$320.00} XX/XX/XXXX Top Inquiries Creditor Name Type of Business Date of inquiry Credit Bureaus XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX - XXXXXXXX XXXX Reporters XX/XX/XXXX Experian XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX, XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX Jewelers XX/XX/XXXX Experian XXXX, XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX  Miscellaneous and public record XX/XX/XXXX XXXXXXXX XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX  Finance other than personal XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX XXXX  General Clothing Stores XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Banks XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX Banks and XXXX XXXX  XXXX XX/XX/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