vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
To Whom It May Concern, I checked my personal credit report, which I acquired from your organization ; and I noticed that this unauthorized inquiry had been made : 1. The following personal information is incorrect : Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, AL XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

I contacted who placed the inquiry and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your help and assistance. 

Sincerely, 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 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
I have auto account payment setup on my accounts at Bank of America.

I changed my payment sources bank for the auto payment..

Over a YEAR later BOA withdrew a {$2300.00} payment from two different accounts. This action caused one of my accounts to be overdrawn. 
I called BOA and asked for the funds to be returned, on the previously closed account, and to remove all access to that account. Boa returned both payments, put my account in a past due status and started charging me interest I immediately payed the boa bill ( now for the third time ) and then received an interest charge on my next bill, due to there errors!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-03 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: DISCOVER BANK
State: NC

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. 

Account name : 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 XXXXXXXX XXXX XXXX has violated my rights. 

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

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

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

CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I placed a order from Macy's.com and never received the items. I filed XXXX disputes and they where denied. Never providing a signature or where it was left. I shortly went on vacation and never got it.i came back looking for it it was never here. Noone in my family signed for it. Now I'm being charged interest on stuff I never received I ask for a resend of the lost items. Denied. And I've been a faithful loyal client to remove since XXXX. Very disappointing XXXX XXXX XXXX {$960.00}

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 2023-10-03 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: NC

Complaint narrative:
Inquires i did not authorize listed below 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 2023-10-03 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: OH

Complaint narrative:
These hard inquirieS on my credit report... fraud activity was done! I need these hard inquiries removed. NOT familiar at all with these inquiries! 

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 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 2023-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a victim of identtity theft. I filed the correct information according to the FCRA and submitted disputes to the credit agencies. The disputes are not being processed correctly and the paperwork from the FTC is not being attached to the disputes. I am not getting copies of the verfication process sent to me. 

These are the accounts : XXXX XXXX XXXX XXXX Bank 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 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-10-03 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: EQUIFAX, INC.
State: NE

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 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
They call me multiple times a day from different numbers. Dates include XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23. This has been occurring for six months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: CA

Complaint narrative:
XXXX XXXX a money transfer was sent to XXXX XXXX in the amount of {$200.00}. Since that day, the transaction has been stuck and delayed. Every 6 hours the WorldRemit company sends automated messages telling me that the transaction is still delayed. 

I phoned on XXXX XXXX and was told that the company is having technical issues with transactions to XXXX. The representative told me to look out for an email telling me that they agreed to refund me my money. 

However I only received an email asking me to answer a survey.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I tried to pay off my loan with BMO. The amount still owed was XXXX was sent to them on XX/XX/XXXX. My bank said it was clearly written out for that amount but they requested from my bank XXXX. My bank said to call the company and let them know they made a mistake and they would send back with insufficient funds. I did this. The first woman I spoke to said that it was obvious that someone mistook a 1 for a 4, and that they would take care of it, and if it did not get taken care of before the next payment was due there would be no late fees. I waited until today ( XX/XX/2023 ) to let them fix their mistake, but had heard nothing. I called on 3 different occasions today and was hung up on 3 different times.

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 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them 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 2023-10-03 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: PA

Complaint narrative:
Equifax has inquiries on my report that I do not recognize. I have called them to fix the error. They told me I need to call the compaoand send in an ID Theft Report. I have called the companies and I have filled out an Identity Theft Report and sent it in. They tell me the ID Theft Report is not acceptable but will not tell me why. They say they do not access to that information. I need this information off my report as it is not mine! Also according to the Fair Credit Report inaccurate info must be verified or deleted. They have not verified this information nor have they deleted it!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-03 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management is trying to collect a debt that was paid to the credit card company XXXX years ago. I have sent them proof of this, but they have ignored it and repeatedly call me, and have now sent a letter threatening to sue me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
An account was opened without my knowledge. I tried to create an account but I was told my information was already in the system

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
Company called me several times a day. I have repeatedly asked them to verify the debt and send me documentation. Not only did they not send me any documentation the gentleman said if I didnt arrange payment immediately that they would file collections on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I wanted to inform you that I noticed an error on my credit report under these accounts " XXXX  '' and " XXXX XXXX XXXX ''. 
1. ) XXXX '' payment status was past due 30 days. 
2. ) XXXX XXXX XXXX '' was reported as 30 days late on XX/XX/2023. 
These are false information because I don't miss my monthly payments and I'm dedicated on fulfilling my responsibilities as a consumer.

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 2023-10-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I received a notice in the mail stating someone has attempted to open an account under my name with ally. Which means someone had my private information.

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 2023-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
ayments Status Date Amount Fees Posted XX/XX/XXXX {$36.00} Fees Posted XX/XX/XXXX {$36.00} Fees Posted XX/XX/XXXX {$36.00} What are these late fees for, XX/XX/XXXX the portal said I owed {$0.00} how can there be late fees and please provide the disclosure of these fees and from what months they are from in writing. I have not received any of my flood insurance refunds dating back from XXXX when Mr. Cooper was provided proof from numerous sources on a monthly basis. it is in excess of {$3000.00}, the number has changed every time I contact someone probably a result of Mr. Cooper 's incorrect handling of partial payments where is the excess fees that were paid above my tax payment? I don't know where those funds were allocated, did Mr. Cooper simply tack on arbitrary late fees to cover those funds that were stolen? The misrepresentation of the mortgage loan transactions and payment history in your online account is dubious, I have requested. I believe Mr. Cooper is violating the Home Mortgage Disclosure act by consistently failing to report accurate data about mortgage transactions, as if you don't have borrowers ' information correct, how can reporting be correct? XXXX Error resolution procedures have not been followed as well. I do not have the funds returned that should have been returned 15 days following the notification of error that Mr. Cooper acknowledged. This matter needs to be promptly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: AL

Complaint narrative:
This complaint is to inform you that I found an error on my credit report under this account " XXXX XXXX XXXX '' it's indicated on the Two-Year Payment History that I was " 30 days late '' on XX/XX/2023 which is a misinformation. I've been very responsible when it comes to my monthly payment and never missed a single payment. This is not acceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My debit card stopped working on XX/XX/2023. 

I called Capital One to ask why the card was not working. They said it had been locked as part of an investigation. I went home and did some research and noticed that maybe it was because I was still getting checks from my new job out of NY ( I work remote ). I continued to call for a week straight. I finally went up to the bank on XX/XX/2023. The banker told me that Capital One had decided to terminate their relationship with me. I asked what had happened and they told me they could not tell me. They told me to call a XXXX XXXX XXXX and leave a message. So I have done that everyday since. In the interim I continued to try and speak with anybody that would give me answers and I was finally put through to the XXXX XXXX XXXX '. 

I asked the following questions with the following answers- Can you tell me why my account has been frozen? No- Can you tell me when my account will be unfrozen? No- Can you help me figure out what the timeline is for this process? No we don't have a timeline - Can you send me a policy that outlines the justification for this asset XXXX? We don't have a policy. 
- So I just wait until XXXX day hoping this investigation wraps up and in the meantime hope it actually gets done? Yes it will happen eventually.

Company response to consumer: Closed with explanation