vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-16 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: MI

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had multiple late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account ( XXXX XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements Showing that these payments were late 'If proof can't be provided I demand these payments be updated on time as they should be as I was NEVER Late. Thanks I have uploaded proof of my credit report below stating that these payments are being reported inaccurately

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 2023-12-16 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-12-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY

Complaint narrative:
Dear Management Center, Due to bad service and requesting you remove the initial $ XXXX and all other fees since to be removed as promised due to ACH outage from XXXX. There is a formal request for the account to be " Closed " by my request today! The most unprofessional service I had this week with the client service support number. I've never had so much trouble trying to accomplish simple tasks with customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On or About XX/XX/2023 I filed a complaint # XXXX XXXX attached. Equifax responded " Company responded on XX/XX/2023 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : NON REPORTING DISPUTES Trade : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit XXXX. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. '' Unfortunately, the " NON REPORTING DISPUTES Trade : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. '' is still reporting on my Equifax credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ASSOCIATED BANC-CORP
State: IN

Complaint narrative:
Complaint : Associated Bank has failed to pay out a {$600.00} promotional bank bonus to me within 120 days for opening a new checking account. 
XXXX XXXX Details : Account was opened in person by banker XXXX XXXX at a XXXX XXXX branch on XX/XX/23. I have emailed her several times since XX/XX/XXXX requesting her help to solve the delay/ no-pay problem and she has had no success and is unable or unwilling to give me names/contacts within the bank who have authority to escalate and render a solution. She says the matter is fixed, yet I wait, the bank remains silent and does not pay the bonus. I sense the bank is simply stonewalling.I have fulfilled the XXXX XXXX XXXX of the promotion to qualify for the {$600.00} level bonus and desire for this bank to fulfill their legal obligation to pay the bonus timely and without further delay. This request is reasonable. 

My wife is also in the same situation with her Associated checking account and will file a separate complaint with same facts, as our accounts were opened at the same time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-16 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
XX/XX/XXXX I emailed the vanilla gift card company ( XXXX ) after I submitted a dispute on an unauthorized transaction on the gift card given to me for my birthday. It was {$100.00} worth and when I opened it up and tried to use it at a store it declined because someone scammed and used it on my actual birthday ( I hadnt even received the card yet at that time ). It has been XXXX weeks with no response or update. Their customer service representative and I talked once and they only said it would take XXXX days to resolve but I want my money back now. I have continued to email them XX/XX/XXXX and XX/XX/XXXX no response as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
There inquiries reported that I have and do not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
my mom filed bankruptcy XXXX years ago. i was a co signer on a wells fargo credit card ending in XXXX for the past XXXX years wells fargo or XXXX  failed to report the account on my credit as a charge off. on XX/XX/XXXX, the charged off account from XXXX suddenly is on my credit report, with an end date of XXXX ( XXXX  years ). this is is totally unfair. it's was charged off in XXXX and would be falling off this year, instead they are ruining my life for five years. i don't see how this is legal, to just add a charge off to my credit XXXX years later. it's been hard through covid and im XXXX and need help. if you check my credit you will see that i never have missed a payment on anything, including the charge off. my credit score plummeted and i need it to survive. please help me. its not right to report a charge XXXX years after its been charge off. please 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 non-monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
The representative from XXXX is calling it fraud instead of incompetent investigation for merchant identification deposit. It violates code 1005.11 and investigation the integrity of investigation sequence.

The bank is in violation of 1005.11 Procedures for resolving errors.

The bank rather retaliate against the consumer and punish his/her creditors Please help bring my account back to escalated normal provisional status accessing all features. 

It is because according to Truist representative an alias called and said the account was compromised. 

I as the consumer of the account did not report that. 

As a result, creditors benefits are disconnected, atm, child support deposits, social app lender loans, employment deposits, my SS #, my phone number and email can not be transactioned or connected. 

The identity of the account has been changed voluntarily to create false identities to insecure consumer access. 

I cant activate access or use the checking account bank card, online, phone, atm, or by app. 

I have to buy food, pay for power to prevent disconnect, pay for modes of transports, pay daycare to continue employment, XXXXXXXX XXXX hygiene, and family trip to a museum. 

All my identities were voluntarily changed that jeopardized and my family well being and welfare We have been limited and put at a disadvantage abroad low income and lack of. I and my family are already poverished prior. 

They placed a temporary hold and update. 

The max deposit per day is {$15000.00}. 
So, the account didnt alert nor I. Somebody is stalking the account and needs to be restrain. 
The problem is a return only. 
Their policies and standards does not match the law or federal codes. 
The Truist expressed said it was a check. But, it is a deposit. 

They are conjoining deposits combining them to make it fraudulent. 
This bank only secure deposits but not consumer accounts allowing fraud to occur. 


This bank has been trying to get me to close this account instead of secure it. They are voluntarily stalking my account and making threats. I have up to {$15000.00} a day for deposits. This account has history with different creditors and also foster care and social apps and family well being. Please view attachments. 

Please view attachments. I also have historical transactions link to the account and reasoning for app benefits.

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 2023-12-16 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: Exeter Finance, LLC.
State: NJ

Complaint narrative:
There inquiries reported that I have and do not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: Global Lending Services LLC
State: NJ

Complaint narrative:
There inquiries reported that I have and do not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alliance One, Inc.
State: TX

Complaint narrative:
The following information is the account information and the amount that is supposedly owed by me. 

The account is from XXXX Acct # XXXX with a balance of {$1100.00} I am a victim of identity theft and fraud and have never had XXXX. I have been a customer of XXXX and XXXX XXXX XXXX. I am submitting a copy of my police report with my local police department. 

Please verify and validate all data for this account, every notation, dates and balances, whether reported or not and I would like to be provided proof of the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per fcra. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt and that all their details match the original creditor. Without it, it must be removed as per fcra. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter or email communication. 

I look forward to hearing from you soon. Have a wonderful day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: GLA Collection Company, Inc.
State: AL

Complaint narrative:
GLA calls and leaves numerous messages for me to speak to someone named XXXX. I do not know what they are trying to collect money for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I DID NOT SIGN ANY AGREEMENT THAT XXXX XXXX XXXX COULD FURNSH MY PERSONAL INFORMATION TO ANY COMPANY, WHICH IS A VIOLATION OF 15 USC 6821A. THIS IS AN ADVERSE ACTION AND IDENTITY THEFT. THIS IS ALSO A CLEAR VIOLATION 15 USC 1681B ( 2 ). THE REPORT OF XXXX ALLEGED LATE PAYMENTS TO MY ACCOUNT XXXX IS NOT VERIFIED, WHICH IS A CLEAR VIOLATION OF 15 USC 1681A ( 4 ). THE INFORMATION PROVIDED TO THE CONSUMER REPORTING AGENCIES OF LATE PAYMENTS ARE INACCURATE AND A DEFAMATION OF MY CHARACTER, WHICH IS VIOLATING 15 USC 1681E ( B ) AND 15 USC 6821A ( 2 ). THIS INCORRECT REPORTING IS CAUSING DENIALS WHENEVER I'M TRYING TO EXTEND MY CREDIT FOR PERSONAL, FAMILY AND HOUSEHOLD USE.

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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I DID NOT SIGN ANY AGREEMENT THAT XXXX XXXX XXXX COULD FURNSH MY PERSONAL INFORMATION TO ANY COMPANY, WHICH IS A VIOLATION OF 15 USC 6821A. THIS IS AN ADVERSE ACTION AND IDENTITY THEFT. THIS IS ALSO A CLEAR VIOLATION 15 USC 1681B ( 2 ). THE REPORT OF XXXX ALLEGED LATE PAYMENTS TO MY ACCOUNT XXXX IS NOT VERIFIED, WHICH IS A CLEAR VIOLATION OF 15 USC 1681A ( 4 ). THE INFORMATION PROVIDED TO THE CONSUMER REPORTING AGENCIES OF LATE PAYMENTS ARE INACCURATE AND A DEFAMATION OF MY CHARACTER, WHICH IS VIOLATING 15 USC 1681E ( B ) AND 15 USC 6821A ( 2 ). THIS INCORRECT REPORTING IS CAUSING DENIALS WHENEVER I'M TRYING TO EXTEND MY CREDIT FOR PERSONAL, FAMILY AND HOUSEHOLD USE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I recently checked my credit report and noticed that XXXX XXXX is listed on it. However, I never applied for a XXXX XXXX credit card. This is a clear case of fraudulent activity.

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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My personal information was bought and sold illegally because i was a victim of the Equifax data breach. I want these items Deleted from my Equifax credit report effective immediately. Equifax did admit that in fact i was a victim of their data breach and Equifax has done Nothing to help me. Please help me delete these illegal account inquiries from my Equifax credit report. 

I requested Equifax to investigate them and remove them, but Equifax did NOT investigate them properly and did NOT remove them. 

This an FCRA violation. There is a class action suit and proposed settlement for the data breach and I am applying for the civil penalties fund at the CFPB. Since they were not removed i am entitled to be compensated under the victims fund. 

The following inquiries were not placed by me. I did not authorize them. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I had been eagerly looking forward to buying XXXX gifts for my kids using an AMEX gift card that I had purchased for {$300.00}. However, much to my dismay, when I tried to use the gift card to make purchases, the transactions did not go through. I tried multiple times, carefully entering the required information to ensure that it was correct, but to no avail. I even tried using the card on different websites such as XXXX and XXXX, hoping that it would work, but it didn't. Frustrated and confused, I contacted customer support for both XXXX and XXXX, hoping that they could help me resolve the issue. However, even after spending hours on the phone with their customer support representatives, I was still unable to make any purchases using the gift card. As a last resort, I contacted the AMEX gift card customer support and explained my problem to them. I was hoping that they could offer some help or provide me with options to resolve the issue. However, much to my disappointment, they informed me that there was nothing they could do to help. I was left feeling baffled and frustrated as I had been misled into buying a gift card that I couldn't use to make purchases. It was a terrible experience, especially since I had been looking forward to using the gift card to buy gifts. The fact that I had lost my hard-earned money only added to my frustration and disappointment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I don't recognize many charges from XX/XX/2023 - XX/XX/2023 with total amount of {$12000.00}. 
I filed a dispute with my bank, which is Bank of America, however my dispute was denied.

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 2023-12-16 00:00:00
Product: Credit reporting 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: AL

Complaint narrative:
my mom filed bankruptcy XXXX years ago. i was a co signer on a XXXX XXXX credit card ending in XXXX for the past 5 years wells fargo or experian failed to report the account on my credit as a charge off. on XX/XX/XXXX, the charged off account from XXXX suddenly is on my credit report, with an end date of XXXX ( XXXX years ). this is is totally unfair. it's was charged off in XXXX and would be falling off this year, instead they are ruining my life for five years. i don't see how this is legal, to just add a charge off to my credit 5 years later. it's been hard through covid and im XXXX and need help. if you check my credit you will see that i never have missed a payment on anything, including the charge off. my credit score plummeted and i need it to survive. please help me. its not right to report a charge 5 years after its been charge off. please 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