vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reporting an inaccurate credit limit for my Premium XXXX XXXX XXXXccount. My credit limit was increased on XXXX 2023.They are also showing the wrong monthly payment. I will submit proof of the account ' correct credit limit, history of payments, etc. I submitted this same information to CFPB in regards to XXXX also reporting inaccurate credit report information concerning this account. I have emailed XXXX XXXX showing them copies of their own information. I tried to upload to Experian the same documents, but the website keeps saying that they can not upload the documents. I also called Experian, but they were of no help. XXXX XXXX  or Experian, or both are reporting on my credit report inaccurate information. I have already disputed this credit limit increase not being reported correctly, and their response to the dispute is that the lender, " XXXX XXXX XXXX '' is replying to the dispute that the incorrect credit limit and monthly payment is accurate. This is false.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting age
ncy can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce 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 explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There is information from XXXX XXXX  ( inquiry ) that I am not responsible for. This is something that I did not authorize and have no knowledge of. Furthermore, 15 USC section 602 A. states I have the right to privacy. 15 USC 1681 section 604 section 2. States that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 b permissible purpose of consumer reports, I never gave this institution written consent to pull my credit report. 15 USC section 1681 s-2 block of information resulting from identity theft. I asked Equifax to remove this information from XXXX XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened a new Total Checking and Savings account with Chase Bank on XX/XX/. I received an advertisement in the mail offering a {$600.00} bonus if I opened both accounts. I received both bonuses and decided to close these accounts due to the low interest rates on them after shopping around. There was no way for me to close them online, so I called Chase 's customer service on XX/XX/. The employee I spoke with on the phone told me that they could close my account, but I would owe them the {$600.00} bonus funds since I hadn't had my account open for XXXX months. I asked them where in the fine print it said that I had to keep the account open for that period of time, and they said I had agreed to it by opening the account. I continued to ask for evidence of this policy and asked for documentation, and they continually repeated that they could not provide any. I escalated the issue up through two managers, and still no one could provide me with any hard evidence. I was told that I would have to go to a physical bank to get a copy of the fine print I signed. I was told there is no way for them to send it to me electronically. I found a Chase webpage that outlines a similar deal ( https : //account.chase.com/consumer/banking/seo ) and, as in my case, nowhere does this page or the links included on it mention anywhere that the account must remain open for 6 months to retain the bonus. All their webpage states is : " To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. '' The last manager I spoke with - XXXX, an account manager with Chase in Customer Service - advised me to submit a case for this issue and stated that this is the " first time this issue has happened. '' Yeah right. She said this would be a matter for their marketing department ; she placed me on a long hold and then returned saying she had requested information from them and that they would return to me in 3-5 days. I asked them why they were unable to connect me right away, and I was told their department doesn't take calls. XXXX stated the marketing department could provide me the terms and conditions for accounts, including the requirement that I keep my accounts open for 6 months to avoid the retraction of the bonus. I asked her to escalate the issue so that I would not be waiting days for a response, and she requested an " urgent request ' and said I should receive a call back XXXX hours later. I never received any call backs or responses at all from Chase. Your move Chase Bank, where are the receipts?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is information and accounts listed on my Consumer Report that are Not authorized by me, which leads to Identity Theft. The information being reported are transactions NOT authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed. The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified, and compliant data documented in it! 

This is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. 
Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am filing a formal complaint against Jefferson Capital, regarding their account number XXXX, for multiple violations of my rights as outlined in the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These violations 15 USC 1681 Section 602, 15 USC 1681 Section 604 ( a ) ( 2 ), 15 U.S. Code 1692c, 15 U.S. Code 1692j ( a ) include mishandling and improper disclosure of my personal credit information without my consent, as well as unlawful communication regarding debt collection without my prior approval. Furthermore, Jefferson Capital furnished deceptive forms during the collection process, falsely implying the involvement of a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Chexsystems, There is incorrect personal information on my report that I am requesting to be updated and corrected - attached to this complaint are : - Letter - Drivers license - Social security card - Address Please have these inaccuracies corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian WILL NOT address my concerns. For the last 8 months ; I keep being declined by creditors everytime I apply for credit or a credit limit increase. Supposedly, Experian can't verify my identity. If Experian can't verify my identity then why do I have credit inquiries? How did Experian accurately matched those inquiries to me if Experian can't verify my identity? I have 3 credit cards, student loans, etc that report every month to Experian. I have tried numerous times to address this issue with Experian to no avail. I want the inquiries removed as I didnt receive a fair and accurate report from Experian. This unfair business practice makes Experian a lot of money while it hurts people like 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 explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am receiving state XXXX payments from California onto a Bank of America XXXX XXXX. I insisted a transfer to my Bank of America checking account on XX/XX/XXXX for {$3200.00}. The money instantly showed transferred from the debit card and as of today XX/XX/XXXX, the funds are still not in my Bank of America checking account. 

Bank of America to Bank of America transfers should be instant, yet my funds are nowhere to be found. I spoke with a representative yesterday for XXXX minutes who was not able to resolve the issue. I am on the phone today and again getting nowhere, they are saying it is a government issued card and they dont know why the funds arent appearing, so they transferred me to another line and I received a message that they are unable to complete my call and hung up on me. 

I dont have access to my money and am forced to pay interest and late charges to other bills because I can not access my funds a full 6 days later. Apparent the back is earning interest on my money for 6 days while I can not get to my funds. A supervisor today said they dont know what happened and I would need to be transferred to the claims department to try and get my funds returned. 

This is outrageous that Bank of America has the responsibility to handle these funds and they are not able to look and see what happened. I have spoken with 6 people so far and the last supervisor was completely condescending and said he doesnt know where the funds are and that possibly I entered an incorrect routing and account number, yet I have not updated my routing and account number since I started receiving these funds and every previous time I have transferred money. Now he needs me to file a claim with the bank for my missing funds. Its all internal Bank of America, I have spent two hours chasing this down when someone at the bank should have a system to see where the {$3200.00} went back on the XXXX. Now they are telling me I have to file a claim for missing funds. This is beyond irresponsible that they can not find my money and are delaying further while they file a dispute claim they will have to research the claim and it will take up to 45 days to get an answer. This is my MONEY, this is outrageous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX vs. XXXX  ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Under Fair Debt Collection Reporting Act is to know what this is for, account number, dates, etc. as well as how to dispute the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: BMO BANK NATIONAL ASSOCIATION
State: NE

Complaint narrative:
My landlord, before she got fired stole my money order for my rent and went and cashed it herself and kept it. I have been with bank of the west for 5 years they have seen me there once or twice a mo th for five years but let an unauthorized transaction take place when my name was on the check they did not call me or anything. I have an ongoing police investigation and a detective looking into everything. I have tons of proof this is complete fraud and bank of the west refuses to reimburse my money which was XXXX dollars. XXXX the main XXXX  XXXX refused to give me any paperwork or her supervisors number. She refuses to give me my money back even with all the proof of fraud. I am very concerned people who work at this branch are committing acts of fraud. Why would they allow such a transaction to take place and then not even reimburse it? I do not know which way to go but the people who work there and my landlord need to be held accountable for there actions. Please someone call me. XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation