vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Only had a physical copy of the card a few months. Company changed cards never received replacement card. Could not setup account online. Only time I knew when payment was due was when account was past due. I have not even made a purchase on this account because I dont have a physical card. Ive been transferred a few times to get a physical copy but the hold time was extremely long. I no longer felt comfortable giving my info over the phone so I demanded to speak to a manager so I can see what I must do to get a physical card. Finally I was able to speak to the an agent that was super helpful. She got a new card sent out but I have not received it yet. I now have a delinquent payment showing up in my credit report which isnt fair because I dont have everything I need to make a payment online. Once card is received I will make payment but I would love this late payment removed from all 3 credit bureaus Especially because I dont mind paying the account but I no longer want to share my card info over the phone.

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 2023-03-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following creditors have violated my rights. XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX 15 U.S.C 1681 section 602 A., state I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also state a consumer reporting agency can not furnish a account without my written instruction.

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 2023-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I simply used my accounts and the bank closed them. I was sick and had to take time off work which made me need to use my credit, now I am better got back to work trying to get things back under control and JP Morgan Chase decides to do massive damage to my finances and credit score for absolutely no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I tried closing my account with citi bank 2 weeks ago. They said it was closed but they lied and did not close it. I can not get my money out of that bank. They have absurd reasoning and rules that the customer has to follow in order to close their account. I called them this morning to make sure the account was closed and discovered the agent I last spoke with did NOT close it! 
I need that account closed immediately and a check sent to me. The agent today said he would close it but I don't believe him after what I have been through trying to close the account. Almost a dozen phone calls later, I still don't have my money!

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 2023-03-24 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: PA

Complaint narrative:
There is information that is all my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of facts by me relevant to the request to block the identified transactions .The identified transactions are not information related to any transactions by me as the consumers. 
XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX. {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Revenue, Inc.
State: NY

Complaint narrative:
Eastern Revenue , Inc wants to collect over XXXX from me for an ambulance ride. I tell them repeatedly that my insurance covered it, and I dispute the debt on my credit report, but they send me letters in the mail saying " I couldn't be identified as insured '' and I called the ambulance company, and they say they've never heard of Eastern Revenue , Inc . 
" Eastern Revenue , Inc is located at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX '' According to what I found about them on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: GA

Complaint narrative:
I have disputed XXXX account thats showing I owe {$100.00} a few times now. The issue is Ive been trying to pay this account off for over 3 years now and even send them a payment on two different occasions and check was sent back to me without an explanation. I called to pay over the phone and they wouldnt take a payment. I reached tour to XXXX XXXX XXXX and they responded back in XXXX of XXXX stating I would have to wait and pay on the account in XX/XX/XXXX after they sell the account to XXXX XXXX. XXXX even sent this to Experian, myself and the Consumer Financial protection bureau. This is against the law and against Fair Credit Report Act. XXXX did not follow the FCRA rules. Not only did XXXX violate my rights but Experian violated my rights as well because at that point Experian should have completely removed this account from my credit file and they didnt. So no Experian is responsible for this account affecting my credit file.

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 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The account is in the Fresh Start Program anything over 7 years must be removed from credit report. It has been a total of 12 years I contacted Department of Education and they told me they would remove it they also told me to dispute is on my credit so I did the reported it as accurate this account should not be on my credit report it is stopping me from living basically I cant get a house because of this I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The account is in the Fresh Start Program anything over 7 years must be removed from credit report. It has been a total of 12 years I contacted Department of Education and they told me they would remove it they also told me to dispute is on my credit so I did the reported it as accurate this account should not be on my credit report it is stopping me from living basically I cant get a house because of this I need help

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 2023-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Ive had a U.S. bank account for less than a month and it has been the most inconvenient experience Ive ever had. I havent been able to use my card for large transactions, and merchants have blocked me from using their services online due to the restrictions and flags placed by US bank. When adding my card to XXXX XXXX, I had to call in and wait on hold to complete the process. Not even 24 hours after having my card attached to XXXX XXXX, I had to remove it and have been unable to add it back. After almost an hour on the phone with 4 different departments and a manager, theyre telling me there is a block on my card and a specialist will reach out to me in 24-48 hours to unblock my card. Manager XXXX I just spoke to also informed me I may not be able to withdraw my funds from this account in person. This makes absolutely no sense that US bank is holding my funds from me with no resolution from customer service. Need this rectified asap as I need to use my card and have access to my money.

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 2023-03-24 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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX, USDOE/XXXXXXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-03-24 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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX, USDOE/XXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Dear Transworld, I am writing to formally notify you that your attempts to collect a debt from me are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The account in question is beyond the statute of limitations, does not belong to me, and furthermore, there are discrepancies with the account information that you have provided. In addition, the last name associated with the account, XXXX, is incorrect. My last name is actually XXXX. 
Upon reviewing my credit report, I noticed that the account in question was allegedly opened on XX/XX/XXXX. However, the documentation that you have provided to me shows that the account statement dates back to XX/XX/XXXX to XX/XX/XXXX. This discrepancy constitutes a clear violation of the FCRA. 
As you are no doubt aware, the FCRA requires that all information on a credit report be accurate and up-to-date. This includes the date of account opening, the dates of any associated account statements, and the correct name of the debtor. Your continued attempts to collect this debt and the associated inaccurate information constitute a clear violation of these laws. 
I hereby request that you immediately cease all attempts to collect this debt and remove it from my account. Failure to do so may result in legal action to protect my rights under the FDCPA and FCRA. I urge you to take this matter seriously and act accordingly to avoid any unnecessary legal troubles. 
Please provide written confirmation that you have received this letter and that you have taken the appropriate steps to remove the debt, associated inaccurate information, and the incorrect name from my account. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX Codes : Fair Debt Collection Practices Act : 15 USC 1692 et seq.

Fair Credit Reporting Act : 15 USC 1681 et seq.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was notify by XXXX that a credit card application was being submitted under my name. Follow by a hard Inquiries that I was able to see on the XXXX credit report. I was able to call the bank and advise them that was not me. I also followed up and disputed this with XXXX. 

CapitalOne Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : XXXX Inquired on XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2023 at about XXXX o 'clock in the morning to 7387 Day XXXX XXXX XXXX XXXX XXXX. Bank of America XXXX XXXX XXXX XXXX. 1 To make out a cash check for {$250.00}. 2. I deposited {$5200.00} in cash and got the receipt of {$5200.00} issued by Teller when I saw that the money counting machine was finished. I was sure that it was correct and then I left. In addition, I had worked hard to earn the money, and Teller did not see XXXX dollars of it at a single word. I could not believe it and could not accept it.I can provide more evidence, but no one at the bank communicated with me. I called the police, all the customer service numbers of Bank of America.I can't find their manager. I need my money back.

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 2023-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-03-24 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: PR

Complaint narrative:
I'm a victim of Identity Theft since 2020 due to the data breach of Equifax. Since 2020 I've been dealing with countless situation in regard to this matter. I received communication from credit card companies and debt collectors in regard to accounts that were not mine. Due to fear and lack of knowledge of the law, I start making payment, even when I know this accounts were not mine. Now I received legal advice from my lawyer, that guide me to open an Identity Theft Report and send a formal complaint using CFPB. I have been trying to get in contact with the consumer report agencies without success. They are not working diligent in their investigation to solve this problem. As an evidence of the lack of investigation ; I asked XXXX to remove an account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) that is not mine and they responded that the account was verify. At the same time I asked the issuer of the card to remove the information from my credit report and they send me a letter with this information : " We received a request to remove your name from the account number referenced above. Our records indicated your name is not on the account. '' Clearly, the agencies are not doing a properly investigation, causing me more harm. I called XXXX to report Hard Inquires that were not authorized and they told me that there is anything they can do about that matter. I'm not asking for too much, just to have my consumer report clear of accounts that are not mine. All my correct account are from XXXX XXXX, were I currently live. I have account in local Credit Unions that have been paid accordingly. I didn't apply for credit card in Banks in the USA. This XXXX accounts are from stores that I dont even purchase any goods. Some are too far away from my home that I dont even have visit before. I don't know why the consumer reporting agencies don't have an specialist that can review the accounts and compare all the history to identify that the information reported can be XXXX. I'm tired of dealing with this sittuation and the next steps is going to be a legal one, if this complaint is not process properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I'm a victim of Identity Theft since 2020 due to the data breach of XXXX. Since 2020 I've been dealing with countless situation in regard to this matter. I received communication from credit card companies and debt collectors in regard to accounts that were not mine. Due to fear and lack of knowledge of the law, I start making payment, even when I know this accounts were not mine. Now I received legal advice from my lawyer, that guide me to open an Identity Theft Report and send a formal complaint using CFPB. I have been trying to get in contact with the consumer report agencies without success. They are not working diligent in their investigation to solve this problem. As an evidence of the lack of investigation ; I asked Experian to remove an account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) that is not mine and they responded that the account was verify. At the same time I asked the issuer of the card to remove the information from my credit report and they send me a letter with this information : " We received a request to remove your name from the account number referenced above. Our records indicated your name is not on the account. '' Clearly, the agencies are not doing a properly investigation, causing me more harm. I called XXXX to report Hard Inquires that were not authorized and they told me that there is anything they can do about that matter. I'm not asking for too much, just to have my consumer report clear of accounts that are not mine. All my correct account are from XXXX XXXX, were I currently live. I have account in local Credit Unions that have been paid accordingly. I didn't apply for credit card in Banks in the USA. This XXXX accounts are from stores that I dont even purchase any goods. Some are too far away from my home that I dont even have visit before. I don't know why the consumer reporting agencies don't have an specialist that can review the accounts and compare all the history to identify that the information reported can be XXXX. I'm tired of dealing with this sittuation and the next steps is going to be a legal one, if this complaint is not process properly.

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 2023-03-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: UPGRADE, INC.
State: PA

Complaint narrative:
Upgrade initially approved me for a line of credit of {$4000.00}. They have now three times lowered the credit limit due to their predatory monitoring of my credit and my credit score. They have now lowered it again despite the fact that I have never missed a payment. In addition, the account is set to automatically deduct payments from my checking account so there is no reason for them to lower my credit line. Even worse, they will lower it to the current balance each time which is not in good faith. These terms were never stated when I was approved for the account. I am going through a divorce so I am in a difficult financial position so they should not be penalizing me in the first place but certainly not as a result of factors that are out of my control. In addition, they never withdraw that money in a timely manner. It is supposed to be withdrawn approximately on the XXXX but they take many days sometimes to actually make the withdrawal which leaves me in a vulnerable situation because my account could suddenly drop unexpectedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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