vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I applied for a 0 % interest card with Bank of America ending XXXX. They denied the application. Then a few days later I received a text that the account was approved. 

After the account was approved, I activated the card and they put an immediate fraud hold on the account. I called the fraud center and they removed it. I attempted to use the card and they put a second fraud hold on the account. I called again and was told I needed to go into a banking center. 

I went to a banking center and was told that I would have to return with an appointment. I made and appointment and returned. I was there for 30 minutes. The took 2 forms of ID, personal information and verified me on the app. They removed the fraud hold. 

A few days later I attempted to complete a balance transfer and received an email that it was rejected and I needed to call. I called and completed the same balance transfer again.I asked for the reason for the rejection and there was none. I received the disclosures from the representative, listed to them in an audio recording, and verified the transfer several times while being recorded. I received a confirmation that the balance transfer was submitted. 

The next day I received an email that the balance transfer was not completed. I called and there was another fraud hold on the account. Then they transferred me to the fraud department who once again insisted that I needed to go into a branch ... for the third time in a week. When I asked why, they stated that they had no record of me being in the branch. I was in the branch for about 30 minutes and they verified my account in several ways including two forms of ID and through a code sent to my cell phone. I was again told Bank of America had no record of this. 

I immediately asked to speak to a supervisor. I was put on hold and then suddenly the fraud alert was removed and I was told to call the balance transfers department again. I am currently on the phone with the balance transfer department. They just informed me that I need to call the fraud department. 

In essence, I have a card offer that can not be used and the time to complete the balance transfers for 0 % is ticking. There is nothing I can do to remove the fraud hold or use the card. I would not have applied for this card if I was aware that I would never be able to use it at the promotional rate.

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 2023-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have an account on my report that was closed XX/XX/2022 however its showing open on my Equifix report. I was informed by the bank to dispute the account so it can be updated as a closed account. 

XXXX. XXXXXXXX XXXX {$3400.00} This Account was closed on XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has my date of birth incorrect. When I spoke to Customer Service i was told to mail a copy of my DL, SS card and a utility bill to XXXX XXXX XXXX XXXX GA XXXX. Which I did in XX/XX/2022. When I checked back the issue still was not resolved. I called, verified the address and resent in XX/XX/2022. The issue is still not resolved. When I ask why I never received a letter stating there is an issue or requesting more information I just get the run around. When I speak to a supervisor all they say is to mail it again. I didn't feel comfortable doing it the first time. Now even more so I don't want to mail my personal information. Especially when I know the company has no regard for the safeguard of my personal information. Please help! This company needs to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cawley & Bergmann, LLP
State: ID

Complaint narrative:
I received a call from someone at Cawley & Bergmann, a supposed collections agency. I keep an eye on my collections because my husband and I are trying to pay down debts to buy a home. I have NO debts to this company or a previous company. I refused to provide information to the caller since they wanted to verify my identity and I have no knowledge of this company. The phone number they called from was clearly spoofed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
On Saturday XX/XX/2023 I discovered a collection agency on my credit report trying to collect for Advanced America in the amount of {$3400.00}. I filed a police report XXXX Police Dept report # XXXX officer XXXX XXXX . This is not my debt and have never used these services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, 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: TX

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

unde r 15 USC 1681. 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 2023-07-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I received a copy of my credit report and I see that this erroneous information from XXXX XXXX is still on my credit report. I am reporting this account incorrectly and fraudulent This account does not and have not ever belonged to me, it is a closed account, but also shows remarks stating it was charged off as bad debt and the dispute was resolved wit a balance of {$11000.00}. According to FRA, I have the right to an accurate credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: WA

Complaint narrative:
My XXXX had a XXXX and can no longer take care of himself. I have Power of Attorney and sent it to the the credit card company managing his business account and instructed them to close the account. Instead of doing what I instructed they kept the account open and sent me an application to be an " Authorized Representative ''. Why would I want to be a representative on an account I want to close? The Power of Attorney clearly states that I am in charge of all financial matters. I can not find all the reoccurring charges my XXXX had set up on this business account and 5 days after I faxed them my PoA and instructions to close the account a reoccurring charge was made. I faxed them my PoA again and told them what happened and that I am not paying any charges made after my original Fax and instructions. I am now getting bills in the mail with late fees and interest charges. I am the one in charge of my Fathers finances now and I did not authorize these charges, in fact, I did everything I could to prevent them. This is Fraud.

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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.

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 2023-07-25 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: TN

Complaint narrative:
XXXX XXXX Sold the debt to a debt collector. After selling debt XXXX XXXX won't remove the account. I called XXXX XXXXXXXX reporting that this account is fraudulent they told me they would give me a call back. I never heard anything back from XXXX XXXXXXXX. Which is making me have to disputed inaccurate information with the creditors. The creditors won't remove because they are say XXXX XXXX is verifying this fraudulent information.

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 2023-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I purchase an auto loan on a used car, XXXX XXXX XXXX, through XXXX XXXX XXXX in XXXX XXXX, NJ. Bank is named 53rd bank, contact number XXXX. In XXXXXXXX XXXX XXXX I became unemployed and contacted them with this information. Their response was that I was not eligible for their hardship program and that I should pay what I could. There is a note by my account that says " User memo 8 add '' around the time I called. I did just that and when I became a Full time employee in XXXX the account had been charged off in XXXX. I contacted them about that to dispute it Their response was that I could not dispute the charged off account and that I should have received a letter in the mail. I did not receive the letter in the mail because I moved in XXXX and had issues with forwarding mail to my current and updated residence. There wasn't even an email. 
I have reach out to many different financial institutes to cover the loan, but non are willing to work with a charged off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX Subject : Notice of Dispute Violation of FCRA Rights and Inquiry Investigation To Whomever It concerns, I am writing to dispute an inquiry on my credit report from XXXX XXXX, as I believe it violates my rights under the Fair Credit Reporting Act ( FCRA ). It appears that TransUnion did not conduct a proper investigation into this inquiry, and I am requesting its immediate removal from my credit report. 

As a consumer, I am protected under the following rights granted by the FCRA : 1. Right to Accurate Information : The FCRA ensures that information reported on my credit file is accurate and up-to-date.

2. Right to Dispute : I have the right to dispute any inaccurate or incomplete information on my credit report.

3. Right to Investigation : The FCRA requires credit reporting agencies to conduct a reasonable investigation upon receiving a dispute about any information on my credit report.

4. Right to Fair Credit Reporting : I have the right to fair and unbiased treatment in matters related to my credit information. 

I believe that TransUnion has violated my FCRA rights by not properly investigating the XXXXXXXX XXXX inquiry, which has resulted in inaccurate information on my credit report. Therefore, I urgently request you to take immediate action and remove this inquiry to rectify the situation. 

Please provide written confirmation once the inquiry is removed from my credit report, along with any supporting documentation. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I sent a letter on XX/XX/23 to experian. To remove personal Information that I don't want on my credit report. According to the F.C.R.A. 15 USC 1681 I have the right to privacy. According to F.C.R.A.15 USC 6802 NO financial institution is not allowed to share my personal Information to third party people. These are clear violations of my federally protected rights. I want my rights to be upheld.

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 2023-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: KS

Complaint narrative:
What happened is my problem is with chime bank! They are holding my money from me because they say no error occurred? The claim starts like this I was trying to get XXXX  on my TV. I could not get the form to come up and it did not.So a made a call to XXXX  about the form and the guy said no problem I will put it on your phone. The guy had access to my phone, while I was filling out the form he was going through my phone waiting for chime to send authorization for yes or no! And that is when he went into my account and wiped me out XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had ONE late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-07-25 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I HAVE NO acknowledgement OF THIS ACCOUNT XXXX XXXX XXXX. IT IS REPORTING ON MY CREDIT REPORT. I DEMAND THIS fraudulent ACCOUNT BE REMOVED. 

ALSO, ADDRESSED I NEVER LIVED XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX, XXXX, TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC
State: OH

Complaint narrative:
I am the executor of my dad 's estate. He passed away XX/XX/2023. I am working to close out the estate as all that is left is medical bills but this is proving to be very difficult. 
XXXX XXXX XXXX XXXX XXXX XXXX ) in XXXX apparently sent bills for my deceased dad to DCM Services to collect the debt on the estate. I've never once receive a bill to his address or mine. They know I am the contact and I've worked with a couple of different departments with no luck. This is fine, but they refuse to give me details. When I have contacted XXXX they have indicated they no longer carry records, they are with DCM Services. My lawyer for the estate has requested detail bills because what they claim we owe does not match at all with the Explanation of Benefits for my dad. 

They send vague letters and an amount and no further details. My lawyer received a letter indicating {$720.00} was owed, the EOB showed {$0.00}. 

Why am I sent to a collections company that has no details when I have asked repeatedly for the bills so I can make payment and compare against the EOB. I do represent my dad.

Company response to consumer: Closed with explanation