vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-05 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: 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. U S DEPT OF EDXXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX have all violated my rights. 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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: AL

Complaint narrative:
XXXX/experian released my report without my written consent and violated my federally protected rights XXXX is using my identity and saying I owe, this is fraudulent ; producing a contract without my signature is Fraud and very illegal.15 U.S. Code 1681b No permissible purpose ; no written consent as required by law 15 U.S. Code 1681 consumer reporting agency must take a vital role protecting my rights to privacy The bureau is not verifying the debt is actually mine ; who did they speak with as required by law when acquiring my location ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted. 
They are not protecting consumers rights Not only that XXXX is harassing me and calling my all time/hours ; oppressing me reporting false late payments 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.

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 2023-09-05 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Contacted XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, for reporting and manipulating of my report for inaccurate information continue to update reports as charge with a balance name variation, credit inquires from unknown sources, renewed debts and refusal to remove inaccuracies. Connecting accounts to addresses that dont and have never belonged to me. Refusal to provide the information requested for the requested information for proper investigation. Changing my score without provide information that justifies the continual change in my score by over XXXX points, continuing to mark a charge acvount with a monthly late payment history since 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 2023-09-05 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I did not authorize these companies to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I did not authorize these companies to run my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NC

Complaint narrative:
I have been banking with Chime. On XX/XX/, I XXXX chime customer support to find their phone number. I have attached the number that showed up. When I called the number the person answered Chime Customer Support, how can I help you. I told them I was calling about there spot me feature and needed some information. Being my first time calling I had no idea that it was a fraudulent scam number. She verified my information and told me everything was set up for me to use the feature. After hanging up, I went to my Chime phone app and saw that all of my money was gone. I immediately called my mom and told her what happened. We finally found the correct chime phone number and put in a dispute. One hour later, chime denied my dispute. I called chime and told them I need a supervisor in the dispute department. I explained to her in detail what happened. She filed a rebuttal. Yesterday, they denied my rebuttal. I have no idea who the person is that took my money. When I called the initial number back they laughed at me and made barking noises. I was very upset and did not know who else to turn to. So I found your website online. I have enclosed all the proof that I have. I have since found out that Chime has so many complaints for the same thing and yet this keeps happening to us the consumers. I have only my pay to live and now am suffering due to Chimes negligence on not taking care of their customers. They did not even once try to block my acct. or bother to change anything so these scammers can not do this to me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
It's been going on for 2 years. That I have not had a security credit card in my possession. I have continuously tried to fix all the bank issues bank of the west has given me, including all the overdraft fees, on my regular bank or checking account as well. With this being an issue, I have not been able to build my credit correctly. It's hindered a lot. 
I've called the bank, went to the bank. Ordered card, did everything that I could possibly do. And nothing happens and I have yet to receive a secured card so I basically have a secured credit card for nothing. Not including the lack of Service provided to resolve my issues correctly has not been for for field.

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 2023-09-05 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: VA

Complaint narrative:
Inquiry - XXXX XXXX XXXX Everything on a Consumer Report is supposed to report " to maximum possible accurac

y '' 15 USC 1681e ( b ) The FRCA states that " transactions, experiences, authorizations, and approvals of credit '' are not included in your Consumer Report. 15 USC 1681a ( 2 ) ( A ) ( i ) ( B ) It is my belief and info
rmation, that this inquiry is a rush to judgement and is a violation of my constitutionally protected rights. Please validate this claim signed by a man or woman under penalty of perjury.

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 2023-09-05 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/2023 they run a hard inquired for a car and I wasnt looking to purchase or get a car

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 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
On or around XX/XX/23 I deposited a bank loan check via AFCU mobile app of {$8000.00}. The system informed me that funds would be available within 2 business days.I called the bank to see if XX/XX/23 was considered one of the 2 business days. I was then instructed that the available date had been revised to XX/XX/23, no longer XX/XX/23. 
I immediately requested the bank stop the transactions, so that I could either walk the check into the branch or try a check cashing facility. 
I was informed this was not possible, that they would not be returning anything or reversing the transaction and that I had to just wait until XX/XX/23, I called the bank manager multiples times and was informed the same thing, despite my bank account overdrawn and multiple checks bouncing. 
Per bank manager, XXXX, the account didn't have a history of such a sizable check so I immediately brought to his attention that a check for {$36000.00}, {$25000.00} and {$10000.00} plus multiple more had been deposited in this particular bank account. I was informed, " yeah but not recently ''. history is history I called the bank that the check was drawn on and was informed that AFCU could call the bank verification unit and verify the availability of funds.

I called AFCU XX/XX/23 and requested that they call the bank verification unit ( XXXX ) to verify funds and per customer svcs " this process was basically for CASHIER CHECKS because personal or business checks funds could be available on that date but by the time the checks hits the clearing house, funds may or maynot be depleted. '' Again I requested a reversal or the check and again was told, its way too late and I just had to allow the transactions run its course.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: FL

Complaint narrative:
I notice there is a violation of my consumer rights 15 USC 1681a which states that transaction and experiences between the consumer and the person that's making the report are Excluded. I am also being violated under 15 USE 1666B which also states a creditor can not report a payment as Late unless there were a statement sent within 21 days of my payment, which this is a billing error. The third violation I notice was 15 USC 1681b I never gave written permission to report anything to my consumer report. FCRA says that there is to be Maximum accuracy in a consumer report according to 1681e ( b ) which I don't find to be in this case.

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 2023-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: IL

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

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 2023-09-05 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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: CO

Complaint narrative:
ATM didnt dispersed funds of XXXX at Key Bank outside went inside talked to teller he checked account money was extracted from account but not received receipt said incomplete transaction teller communicated with bank manager who is in the bank with glass window where is able to see me and bank teller told bank teller to tell me to file a dispute without recognizing the issue was urgent said Im waiting on new customer trying to open up account for me to come back in 1 hour and 45 minutes came back still unable to see me Next day almost exactly same situation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX Credit Karma froze my account I have a balance of XXXX in my account I have tried several times to get in contact with them and I was told that a team would reach out to me via email because they dont have a phone number they will not tell me why my account is froze nor when will someone be contacting me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Back in XXXX of this year, Bank of America began charging me fees of {$25.00} a month for my " advantage with tiered interest checking '' account. I have had this account since XXXX and never paid fees, it existed prior to their preferred rewards program. When I called to resolve this issue, the representative said she would be able to reverse the fees. I immediately saw a {$50.00} credit, but she said she had made an error on the third fee, but had resubmitted it and I should see it process in 2-3 business days. 


Their explanation for the appearance of the fees was that my average daily balance had dipped below the $ XXXX required for the preferred rewards program and without that, I no longer qualified for waiving the maintenance fee. 


I questioned why my account would have a maintenance fee for falling below $ XXXX when the terms for an " advantage with tiered interest checking '' it states : " {$5000.00} or more average daily balance in checking or linked Regular Savings '' This particular checking account does not often have $ XXXX in it, but I have several other accounts at BofA and combined, they are always well above that threshold. 


I made a followup call inquiring about the remaining {$25.00} that was not refunded and eventually spoke to a supervisor who assured me they would review the phone transcript and refund the {$25.00} if the representative had indeed promised I would get the refund, this was XX/XX/XXXX. 


Today, I was checking to see if there was any change in the account and see that the account was changed from " advantage tiered checking '' to " advantage relationship banking ''. This was not a change that was discussed with me and I did not authorize it. This is an account type that is no longer available and I am upset that it was changed without my consent because the required daily balance to avoid fees for " relationship banking '' is double ( $ XXXX ) that required for " advantage tiered checking '' ( $ XXXX ). 


In addition, they are telling me that they " reviewed '' the case and will not be refunding the {$25.00} fee from XXXX, despite the supervisor on XXXX and the rep on XX/XX/XXXX telling me they would refund it. The supervisor also told me that in his system, my account has been advantage relationship banking as far back as XXXX, which is completely false. I downloaded my three most recent statements that show " advantage tiered checking '' as account type. 


link to their fees page : https : //www.bankofamerica.com/deposits/account-fees/ I uploaded screenshots showing the change in my account type compared to what appeared on my statements.

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