vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-26 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: NE

Complaint narrative:
I've been trying to contact the XXXX XXXX XXXX XXXX XXXX, Experian and XXXX ) since XXXX but they never get back to me. Kindly resolve this matter today and I insist that you must take off these items from my credit history promptly. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning fraudulent accounts on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed claims with BofA XXXX prepaid claims Dept. On or about XX/XX/2023 is when I 1st received a debt card from BofA for the 1st time. I've never before have gotten any card or cards from BofA EDD prepaid Dept.i downloaded the BofA prepaid App on my phone. As I scroll through the app, I notice the transaction on the transaction history that there was deposits that I never used. So I requested copies of transaction history to be sent to me. I come to realized that I never received or used any funds that's showing on the statement. So I contacted BofA and let them know about this problems. They denied all my claims.

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 2023-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
My accounts from Union Bank were improperly ported to US Bank when they purchased XXXX Bank. This was due to errors committed by US Bank, which they previously admitted to. 

An improper email account was associated with my business account and remains there. Multiple attempts to correct this by myself via the bank website have been unsuccessful.

I attempted to have the issue addressed by chat support via the website. The agent gave me conflicting information about whether they could solve the issue before disconnecting from the chat. Attempts to reach another agent by chat was unsuccessful.

Multiple attempts to have the issue addressed by phone support have been unsuccessful as wait times to speak to an agent appear to be about 25 minutes, according to their automated support system. 

I am unable to properly manage my business account because of the incorrect email address appearing in my account settings.

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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please understand that the details in my credit report are inaccurate. It includes addresses, employers and inquiries that are not associated with me. I urgently require the removal of this fraudulent information. Given that I have been a victim of such issues in the past, I am taking every possible step to ensure the accuracy of my reported information. Since I have not received a satisfactory response from the institutions responsible for reporting accurate and permissible data, I am now seeking assistance from a higher authority. Kindly expedite the process of removing this erroneous 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 2023-10-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Melar Investments, LLC
State: AZ

Complaint narrative:
Kino financial filed a lawsuit for a debt they allegedly purchased from a previous company. They have never contacted me to let me know the debt was transferred prior to the lawsuit. The balance that they are allegeding that I owe does not reflect the last known amount nor does it reflect the resale of the vehicle which is required to be taken off of the deficiency balance. I was never given the opportunity to dispute the validity of this debt as I have never done business with Kino Financial co. , LLC

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/2023, XX/XX/2023, and XX/XX/2023 I contacted XXXX, XXXX, and TransUnion to dispute a late payment reported by XXXX XXXX account # XXXX. 

On XX/XX/2023 to request validation of debt. 
XXXX XXXX and TransUnion report to me the debt is valid, yet the furnisher XXXX has not ever given me disclosures nor notification of finance charges, nor statements required by law. 

I demand XXXX remove the late payment from my XXXX, XXXX, and TransUnion consumer reports. It is damaging and and unlawful.

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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/2023, XX/XX/2023, and XX/XX/2023 I contacted XXXX, Equifax, and XXXX to dispute a late payment reported by Regional Acceptance account # XXXX. 

On XX/XX/2023 to request validation of debt. 
XXXX Equifax and XXXX report to me the debt is valid, yet the furnisher RA has not ever given me disclosures nor notification of finance charges, nor statements required by law. 

I demand XXXX remove the late payment from my XXXX, Equifax, and XXXX consumer reports. It is damaging and and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
CBE Group Payment System is extorting money from me based on false statements from their XXXX client. In a telephone conversation with a CBE collector, which took place in XXXX XXXX, I explained that I did not have any debts, I was asked to make a dispute with their agency. On XX/XX/2023 I sent them my dispute online. On XX/XX/2023 I sent them my dispute by registered mail. However, no one even read my explanations with the attached evidence. I have attached a file with the name To XXXX XXXX XXXX  And other files proving my correspondence, including email and chat transcript with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
Credit Collection Services is still reporting a collections account that has been paid off with a {$0.00} balance, with credit remarks including that the balance was legally paid off, however, is still reporting it as a collections account despite payment and agreement to remove this account in return for the debt being paid. This account has been on my credit report since XX/XX/2018. They are still reporting on behalf of XXXX XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: NE

Complaint narrative:
I've been trying to contact the XXXX XXXX XXXX XXXX TransUnion, XXXX and XXXX ) since XXXX but they never get back to me. Kindly resolve this matter today and I insist that you must take off these items from my credit history promptly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-10-26 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: NE

Complaint narrative:
I've been trying to contact the XXXX XXXX XXXX XXXX XXXX, XXXX and Equifax ) since XXXX but they never get back to me. Kindly resolve this matter today and I insist that you must take off these items from my credit history promptly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 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: MD

Complaint narrative:
I do not recognize nor authorize this " XXXX XXXX XXXX " account # XXXX I am a victim of identity theft. also some hard inquiries I do not recognize nor authorize without my signature

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
My employer XXXX XXXX ( XXXX! ) sent my pay to XXXX I have used the XXXX card through them for months with no problems. Somebody changed the routing numbers from XXXX  to XXXXXXXX XXXX which also is connected with XXXX. XXXX sent a deposit to XXXX numbers on XXXX XXXX. They did proceeded to send a fraud alert email on XXXX XXXX. Never contacted me about the change to my account. I changed the numbers back to the correct ones. XXXX sent an email this time to make sure I had changed numbers. I had not logged on to XXXX in weeks prior to the change, but they are saying I had went to a scam website. Called XXXX customer service and was told it would be sent back as the account didn't have my name. Numerous calls and emails later, I started talking with XXXX. XXXX wanted XXXX XXXX to send a indemnity letter, but they refuse saying they did nothing wrong. XXXX now tells me the money has went to PayPal XXXX XXXX. 

So, I have now been emailing PayPal about the money going to a PayPal XXXX XXXX account. They saying they are doing an investigation. But they have the information at their fingertips and are not giving me any information. 

I want whoever did this caught and prosecuted to the fullest extend of the law. 
I have basically closed all my accounts with PayPal over this and just thankful my banking information wasn't on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX The reports need to be updated to the correct status and information for all XXXX XXXXXXXX XXXX accounts. Please update the status as I and the creditor have asked you to multiple times now. The balances are {$0.00}

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 2023-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Is hold in my account For check deposit

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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I received an email that I had a hard pull from 'JPMCB CARD SERVICES ' to my credit score on XXXX XXXX XXXX XXXX XXXX XXXX I started to received emails to an email that is not associated with my established credit card with Chase. That I had been " approved '' for a chase freedom flex credit card to expect my card in the mail " 5 to 7 business days ''. I immediately called Chase 's fraud department. The representative stated that it was only an application that had yet to be approved. I corrected her based off of the email I was sent. She verified the legitimacy of the receiving email address but denied the " approval ''. I requested all further application requests documentation to prevent this happening again. Representative stated she would put in a written request in my notes. The representative stated that she hauled the application and suggested I call Chase 's checking and savings fraud department as well. She stated there were two different frauds progressing. I called XXXX to put an alert on my credit score then called Chase checking/savings fraud department . After three different representatives stated I did not have an inquire related to my social and the others stating they would transfer me to someone who could help but did not. I finally reached a representative who stated the application for a Chase total checking account had already been denied. There was now another notification, I had a hard pull from 'JPMCB CARD SERVICES ' on my credit score as of XX/XX/2023. Representative stated to find further accounts my social security number would have to be in, " the account holders '', my legal name even though emails stated another name which was provided. She then stated she would send an identify theft package in the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
on XXXX XX/XX/23 i had received my credit report and noticed that there were multiple inaccurate information in my personal information section. Due to the concerns of Identity thief of which I had experience in the past, I requested for all inaccurate information be remove only leaving 1 name, 1 Address, 1 phone # to assure that my personal information would not be leak. I submitted a dispute this with Experian Report # XXXX! and on XX/XX/23 a resolution was posted, and my account was updated and the incorrect names and addresses were removed. On XX/XX/23 a resolution was posted for inaccurate information on my account with XXXX XXXX XXXX. # XXXX and my account was updated. Again on XX/XX/XXXX i had realized that i had was hacked, and in my efforts to trace the hack and change my password to my account, received another credit report and noticed that i had the same inaccurate information previously removed, are back on my report. and multiple late payments were been reported. this had lead my Credit profile to plummet from a XXXX score to a XXXX. I did reach out to my XXXX XXXX and was able to result the matter and all late derogatory was removed. I had done the same to Experian as well and and they have refused to removed the negative marks and also illegally refused to remove the inaccurate information previously removed. they have violated my right in multiple counts Under the Fair Credit Reporting Act 15 USC 1681 15 USC 6801 Protection of none public information 15 USC 6802 Obligation with respect to discloser of personal information 15 USC 1681N Civil liability for willingly none compliance Defamation of Character. Due to this incident i have lost an XXXX account that i am unable to get back because of the effect on my credit scoring and negative marks

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 2023-10-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
While on unemployment, during 2020, I received a deposit only account from Bank of America, which was the only option to receive my money. During this time, most of the branch locations were closed because of the pandemic. Oftentimes the ATM machines were completely out of money. This caused me to use out of network ATM machines incurring finance charges, but it also had another effect. Everytime I withdrew money, my account was locked for XXXX business days pending a fraud investigation. I called the XXXX department approximately XXXX times, every time they assured me that it wouldn't happen again. At XXXX point my account was locked for over XXXX weeks. I set up another account with XXXX Bank, and had my money transferred to it automatically but encountered the same problem. This forced me to take cash advances from my card, costing as much as XXXX dollars per transaction, but I had no other way to access my funds. 
Upon contacting Bank of America, I received a response from XXXX XXXX, who according to my research was formerly fired from XXXX Bank for fraud. And she's my resolution 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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
accounts contain incorrect information such as late payments and missing payments that affect my history also accounts in collection check please XXXX XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I never was late in XXXX and XX/XX/2023 ACCOUNT XXXX XXXX XXXX XXXX XXXX per XXXX XXXX XXXX ( XXXX ) I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding the late account reporting on my credit report for the months of XXXX and XX/XX/2023. Pursuant to the Fair Credit Reporting Act ( FCRA ), I believe that this reporting violates my rights under 15 USC 1681i ( 5 ). I have reviewed my credit report, and it has come to my attention that the above-mentioned creditor has reported my account as late for the months of XXXX, XXXX, and XX/XX/2023. However, I would like to assert that this reporting is inaccurate and is adversely affecting my creditworthiness and financial standing. Under 15 USC 1681i ( 5 ) of the FCRA, I have the right to dispute any inaccurate information that is being reported by a credit reporting agency. I am hereby requesting an investigation into the accuracy of the late account reporting for XXXX and XX/XX/2023. My reasons for disputing this information are as follows : I kindly request that you conduct a thorough investigation into this matter as soon as possible and make the necessary corrections to my credit report if it is determined that the late account reporting is indeed inaccurate. Additionally, I request that you inform me of the results of your investigation in writing and provide me with a copy of my updated credit report once the necessary corrections have been made. Please consider this letter as a formal request to initiate the dispute process under XXXX XXXX XXXX ( XXXX ). I understand that you have 5 days to complete your investigation, and I look forward to a prompt resolution of this matter. Thank you for your attention to this dispute. I am hopeful that the CFPB will help ensure the accuracy of my credit report and protect my rights under the FCRA.

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