vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX, that I have never received nor used any credit cards, for the purchases of merchandise, services or for any other purpose. No Purchases or uses have been authorized by or with my consent or knowledge, and no benefit or value has been or will be received by me as a result of such transactions. Furthermore, I have never signed any application requesting the issuance of any said credit card, nor did I authorize any person to use a duplicate credit card issued under the above account number. I declare under penalty of perjury that the foregoing is true and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
This account is currently reporting as a charge-off. Im requesting a XXXX for this consumer credit transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
An Unauthorized Inquiry was reported to my Consumer Reports on XX/XX/XXXX. 

A Notice and Demand For Unauthorized Inquiry on my Consumer Report was sent to the creditor via USPS Certified Mail on XX/XX/XXXX. A copy of this letter and confirmation receipt is attached below. 

*USPS Certified Mail : XXXX - Delivered XX/XX/XXXX* This Creditor had no Permissible Purpose to obtain my consumer report information. 

This Creditor has not responded in return and it has been over 30 Days from the date of receipt of my Notice and Demand letter. 

Please Delete/ Remove this inquiry from my consumer reports as soon as possible. 

Thank You In Advance, 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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Us Auto sales has went out of business. Sold my car loan to XXXX XXXX. They have started my loan over even though I made payments on the for over a year. I do not have a warranty on my car. And I was told that it was never a warranty on my car.

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
I notice that they are still continuously reporting these incorrect and invalid accounts from my newly updated credit report. I have never failed to mention this with the financial consulting agencies that these shouldnt be included on my credit history. They cant even send me any valid proof that I owned these accounts. 

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 non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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

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

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I have found that your company is reporting inaccurate and incomplete information. I have already communicated with you several times via mail but it seems that nothing has been done on your end. I am exercising my right as a consumer and I demand that you immediately delete and remove this information from my credit report as you are hindering me in finding a stable job to provide for the needs of my family. 

-- FOR TRANSUNION & XXXX -- XXXX XXXX I found that XXXX persists in reporting these accounts as late when it comes to payments. It is definitely an indication of inaccurate reporting. Here are the accounts I am referring to : 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 2023-10-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo. Closed credit card suddenly " reappeared '' and generated fees, had a fraudulent charge from " XXXX ''. Neither the card nor statements were accessible to me on the website nor on the phone app. I called and discovered this card is generating interest... I paid it off and disputed the transaction. Nothing got disputed and I continued to not be able to access online statements regarding this resurrected card. 

I tried closing my Wells Fargo savings account and sent ACH withdrawal request to my linked bank with the next business day transfer. Instead of the transfer out, they magically transferred that amount IN! And then froze it. Nothing is moving in or out and I'm not able to close this account which is generating maintenance fees... The customer support is backed up and can not cancel this transfer... I just can't seem to be able to free myself from this horrible bank. 

In the past they also made me pay 6 months for a " deposit box '' in another state that they refused to close. They just constantly do this kind of stuff... I would like to see that bank stop its existence.

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 2023-10-10 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:
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 informationisinaccurate.

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 2023-10-10 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: WA

Complaint narrative:
On XX/XX/XXXX I accidentally booked a reservation for XXXX Nights starting in XXXX of XXXX. The amount was listed in XXXX Pounds and I wanted to compare the price of a general hotel to getting an apartment for my daughter if she possibly got an internship. ( which is a 5 % maybe I will look in XXXX type of thing ). I wanted a sum total and by accident I must have booked it. I promptly canceled with XXXX and called my credit card company to tell them what I did. The amount was {$9200.00}. I have called XXXX XXXX. the hotel, and the credit card company probably in grand total about XXXX times. I submitted all my paperwork, etc. 
Bank of America ( Visa ) had someone tell me to " Use my Brain ''. 
I am now being told that not only is my reservation NONREFUNDABLE, but it is also CANCELED and I can not have my reservation back. Visa is not willing to help me get my money back even though I contacted them within minutes of this happening. 

This is UNJUST ENRICHMENT that VISA Is backing. 

I am going to fight this charge still and cancel my card. I am NOT going to pay the {$9200.00} while this dispute is ongoing and I will notify them in writing.

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 2023-10-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
Eastern Account System I Fraudulently added this account to all 3 of my credit bureaus reports with no proof of verified documentation from me on XX/XX/23 for {$510.00} of which was paid in full not by me I was told on XX/XX/23 or XX/XX/23. 
I've never had an account with this company nor have ever owed them any money. Nor have ever been in collections for any company they work for. 
They fraudulently added an address to my name that I've never lived at on my credit reports. 
They have part of my info for this account, which I have no idea of how it was obtained, the other half of the info belongs to someone else. 
They've Fraudulently said they've verified all information. The question is with whom? 
I'm entitled by law to know the list of names & addresses of all that was contacted to verify of this said account that was said it belonged to me, which it does not. And the names of persons who said they verified this fraudulently proof of documentation on this account. Also requesting copies of all proof of said documentation. 
I have never opened a account nor lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX or XXXX. I've lived in Illinois for almost XXXX. 
This debt has never been mine nor my responsibility. 
Eastern Acct System I is to contact XXXX, XXXX XXXX XXXX & have this Fraudulent account removed immediately from my credit reports. 
I've been inconvenient long enough with this emotional rollercoaster of someone in their company not doing their job correctly affecting my livelihood.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-10-10 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: NY

Complaint narrative:
I notice that they are still continuously reporting these incorrect and invalid accounts from my newly updated credit report. I have never failed to mention this with the financial consulting agencies that these shouldnt be included on my credit history. They cant even send me any valid proof that I owned these accounts. 

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 2023-10-10 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:
Demand Deletion I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presum that no proof of the allege debt, nor therefore any such debt, in fact therefore exists 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} ( Collection ) Accounts doesnt belong to me remove immediately if you cant show proof of the original contracts with my signature agreeing to accounts with the creditors also step by step explanation on how you guys were able to verify that the accounts belong to me if i never signed any contracts with the original creditors listed above XXXX removed the accounts listed above off of my credit report how the XXXX were you guys able to magically verify an account that I never open belongs to me

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 2023-10-10 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: WI

Complaint narrative:
wanted removal of thing damaging to my credit trying to apply for credit cards and was denied home loan as well these things should be removed according to 15 USC 1681 there should damage!

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/2023 I received 7 letters in the mail that my banking institution, Bank of America, would be closing my accounts ( 10 total : Personal, Student/Minor, Credit, Savings, and Business ). There was no reason given, only a XXXX # to call stating, " we're here if you have questions ''. After calling twice and selecting different prompts, there's only a recording stating they've made the decision to close my account and the decision can not be reversed. No live person took the call, no matter what prompt you select. I went into my local Branch and the Manager sat with me and could not believe they would close accounts without reason. He too called the XXXX # and got the same recording as I did. After calling a different number, he spoke with someone who told him she would look into it. After XXXX minutes, she told him the same thing the recording and letters said. With no reason given. As a longtime customer of BofA, with multiple accounts and all with good standing, I'm appalled at the lack of transparency. As a minority woman small business owner, I'm disheartened to be left in the dark. The emotional stress of trying to move my company assets, ensuring my guys and gals are paid in a timely manner, ensuring I'm able to receive money - this has been an emotional strain on not only myself, but my family as well. Although the letters state I have 21 days I logged in on XXXX to send my statements to my Accountant, and multiple accounts are no longer accessible. They're not even showing on my account. I've had to call and ask for them to mail me my statement. It's been 6 days and my accounts are already closing and disappearing?! I'm so far from understanding this.

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 2023-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
The check I deposited to my Wells Fargo account on XX/XX/23 for {$5700.00} cleared. It even shows as cleared on my Wells Fargo statement. Yet Wells Fargo claims it didn't clear and that was cause for closing my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NY

Complaint narrative:
On or about XX/XX/2023 Chime closed my accounts. They said the account was closed because of suspicious loads ( deposits ). The only deposit was my regular paycheck. I understand that a lot of fraud occurs with banking and although my direct deposit is always from XXXX I understood that they had to be thorough in checking the legitimate deposits. I sent the documents to support that the deposit was legitimate and I gave them time to resolve the issue. I called back in XXXX and inquired about the funds. I was told that the balance of my account in excess of {$1700.00} would be mailed to me. I gave it more time and called back in XXXX. They requested proof of address, paystub, ss card, and state identification, I provided all that information again. In total I sent the same documents at least 5 times. After sending the information requested I received an email stating my account was ineligible for a refund. I recently spoke with a representative about this matter who again asked me to provide supporting documents and I did. He personally reviewed them and told me that he could see no reason for not reopening the account. I assumed the matter was resolved and attempted to log into the account to which I still do not have access. I called again and got the same run around. I did some online research and discovered that Chime has been notorious for closing accounts for no good reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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

Complaint narrative:
I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate information continues to do harm to my credit. Please provide me with verifiable proof these accounts belong to me. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.

Company response to consumer: Closed with non-monetary relief