vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Can you update my address and name on my credit profile.

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 2023-12-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Requested statements for both accounts under PROCOLLECT. Called procollect and the refused to provide the statements to me and kept asking me to pay. I requested statement emailed or mailed to me and they declined both. I also asked for emailed or mailed account # s for mine and also refused that. They did verbally provide me the account numbers. XXXX is XXXX. XXXX is XXXX. I need a copy of both statements please for both accounts under procollect.

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 2023-12-18 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: MN

Complaint narrative:
I went through a very difficult period in my life personally and professionally that caused me to get behind on a number of my payment obligations. I have contacted Discover to try and resolve the matter and was told to contact the collection agency ( XXXX  ) they had hired to handle my account. I contacted the agency and they told me they were unable to negotiate on Discover 's behalf and that I would need to talk to Discover. I again called Discover only to be told they would not help and any negotiation would have to go through the collection agency. Upon again contacting the collection agency ( XXXX ) I was told in no uncertain terms that any and all negotiations would have to be done with Discover. Discover is unwilling to discuss my situation or hear me out on any negotiation or attempts to resolve this issue. I am hoping you are able to help and my credit has been crippled and my ability to simply move forward with my life has been hindered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Can you update my address and name on my credit profile.

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 2023-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
A credit account was opened on my behalf but without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2023, I filed an online dispute for two erroneous XXXX  XXXX bankruptcies listed on Equifax credit file. One being case # XXXX and the other case # XXXX. As of XX/XX/2023, I have not received any result from the investigation and the dispute still reads " Under Investigation '' on Equifax 's website. This is a clear violation of the Federal Credit Reporting Act. I demand these bankruptcies be removed immediately. I have attached a screenshot of the online dispute status, along with additional evidence that XXXX XXXX, the supplier of these erroneous bankruptcies, has removed this information from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: Cascade CISS Holdings, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
Formal Complaint Regarding Unresolved Issue with XXXX XXXX Account and ALLIED COLLECTION SE Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an ongoing issue with XXXX XXXX XXXX XXXX XXXX XXXX ) and ALLIED COLLECTION SE. I believe that my consumer rights have been violated, and I seek your assistance in resolving this matter. 

Account Information : XXXX  Account Number : Unknown ALLIED COLLECTION SE Account Number : Unknown Summary of the Issue : I had an account with XXXX, and the balances was paid in full on XX/XX/2023 However, I recently discovered that this account is still being reported on my credit report through ALLIED COLLECTION SE. Despite my attempts to resolve this issue, the problem persists, and it is adversely affecting my credit score. 

ALLIED COLLECTION SE Contact Information : ALLIED COLLECTION SE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV  XXXX Phone : ( XXXX ) XXXX When I contacted ALLIED COLLECTION SE, their representative informed me they had sent the account information to the credit reporting agencies. This has resulted in inaccurate and damaging information being reported on my credit report, even though the underlying debt has been satisfied. 

Steps Taken to Resolve the Issue : Contacting XXXX : I have contacted XXXX multiple times to rectify this issue, but they have been unable to resolve it. 

Communication with ALLIED COLLECTION SE : Despite informing ALLIED COLLECTION SE of the deletion status of my account, the erroneous information remains on my credit report. 

Requested Action : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccurate reporting by ALLIED COLLECTION SE. Additionally, I ask for assistance in ensuring that XXXX updates its records to reflect the correct status of my account. 


I appreciate your prompt attention to this matter and look forward to a resolution that removes the inaccurate information from my credit report. Thank you for your assistance.

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 2023-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
My father passed away on XX/XX/XXXX. Acting in good faith, I immediately notified USAA that he had died, that I was taking over as his executor, and that I wanted to take over payments on the car. USAA said that someone would contact me shortly but never did. USAA immediately sold the note to a debt collector who immediately initiated repossession without ever contacting me. I spoke to USAA and explained that this was a mistake. They acknowledged that this was a mistake and requested the debt collector transfer the note back to them so I could continue making payments. I was allowed to make one payment and brought the loan current. When I called the following month to make the next payment, I was informed that they had once again sold the loan to a debt collector and found that repossession proceedings had been initiated. I called USAA today to discuss this further and was told that there was nothing they could do to help me and that I needed to talk to the repossession company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have a credit card dispute ( XXXX ) ; a merchant double charged me but after the first complaint only gave me a portion of my money back. I have the receipt, but Bank of America will not allow me to upload this to show what the charge should be. Based on BOA consumer agreement Article 8 ( A ) it states, and I quote Article 8. Error Resolution Procedures for Consumer Accounts A. In Case of Errors or Questions About Your Electronic Transactions Send us a secure online mail message or call us at XXXX They have no way for me to send them a secure message though their agreement for a Consumer Account is clear that they will take secure online mail messages. They should take this receipt so I can prove the charges and pay accordingly. I have uploaded the file here to show the receipt.

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 2023-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/ I submitted an auto loan application with Bank of America. I received an approval same day, no questions asked and I thought it was because I had all my banking with them, including deposit accounts and credit cards. I was then contacted by the Dealership ( XXXX XXXX XXXX XXXX XXXX ) and they advised that approval could not be used, that a new one needed to be submitted because although Bank of America is one of their preferred banks, the dealer needed to submit the application directly, which I do not understand given the fact that there was already an approval at the same bank. I find it hard to believe they could not use it and believe they rejected the previously application to gain financing. Since I had already applied with Bank of America and received an approval I allowed the Dealer to resubmit. When resubmitting the application with Bank of America, they asked for several documents such as social security card and verification of income, which was confusing since I was not asked for this in my initial application and because I had all my business with Bank of America. I provided all the information requested and last minute it was not accepted although it was all legal documentation they already had on file and had approved me on XX/XX/. I had to re0run my credit to get approved by a different bank and also be given an higher APR, then the 7.14 % APR causing me now more interest and a higher monthly payment. The vehicle has already been given to me, thus why I could not avoid another credit pull.

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 2023-12-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Delete all errors on my files and reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2023 I deposited a check via ATM at Wells Fargo. The check was written on Wells Fargo bank. I deposited via ATM because its much easier and there isnt enough staff inside the bank so wait time is long. Wells Fargo placed a hold on the entire check which is very inconvenient and unacceptable. How could they place a hold on a check written on their bank when I just cashed a check from my XXXX insurance company and no hold was placed. I would had been satisfied if some of the funds were released today and the remaining the next day. I have XXXX in my checking account so these funds are needed in order to feed my family

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 2023-12-18 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: NJ

Complaint narrative:
1. I had an issue with XXXX XXXX  as my ticket was cancelled within 24 hours and the credit was not given so open a dispute with Chase Credit card. The Chase gave me temporary credit of {$1100.00}. After a few days, the same amount was charged back stating my transaction was valid as per airlines rules. The airlines keeps telling me that we issue a credit check with your bank but chase did not help me resolved this issue. Although, I provided email evidence from XXXX, no help from Chase. I doubt the Chase dispute department ever contacted XXXX XXXX After my repeated attempt with XXXX XXXX, they issue a credit on XX/XX/23 but Chase Rebilled me the same original amount again ( twice one was already rebilled on XXXX ). When I called, they said we need to investigate but no resolution until now. 
2. the card also offer a trip cancellation benefits and I provided doctor notes as I had XXXX XXXX XXXX XXXXut they said you are not eligible because of pre-existing condition. I did not have any pre-existing condition. They are misguiding the customers and not giving benefit as they advertised. I was getting different answers from different customers representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: SC

Complaint narrative:
I have had a cash app account for sometime and I received requests from two people I did not know have never heard of or had any dealings with and I declined them and Cash App closed my account. I have tried to contact them in regards to this and they keep saying that they sent me an email when they did not I have checked all of my emails spam included and nothing there. They say they sent me email and they closed my request and reopen it I have done this twice had to wait two months for this to happen and they will not do anything about it I did not violate their terms as they say because why should I pay for somebody pay money to somebody I dont know. There was no reason that they close my account and therefore I want it reopened so I have access to Cash App

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: 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 USC 1681. 

Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief