vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
I am writing to file a formal complaint and seek assistance in resolving a matter with Current Bank, account holder under my name, XXXX XXXX XXXX and their failure to provide me with a closure check after terminating my account. 

On XX/XX/, my account with Current Bank was officially closed. As part of this closure process, I was informed by a bank representative that I would receive a closure check totaling {$310.00} within 14 days. 

However, despite the assurances given, more than a month has passed, and I have yet to receive the aforementioned closure check. I have made numerous attempts to contact Current Bank 's customer service to address this issue, but unfortunately, these efforts have yielded no satisfactory resolution. 

Given the delay and the apparent failure on the part of Current Bank to fulfill their commitment, I am seeking the intervention of the Consumer Financial Protection Bureau to assist in expediting the retrieval of the owed funds. I kindly request your help in facilitating the retrieval of the check or urging Current Bank to issue an expedited replacement check without any further delay. 

I have been inconvenienced due to this delay and require these funds for my financial obligations. I am hopeful that with the intervention of the CFPB, this matter can be promptly resolved. 

I have included copies of pertinent documents, including my account closure confirmation, for your reference. If any additional information is required, please do not hesitate to contact me. 

I sincerely appreciate your attention to this matter and kindly request your prompt assistance in resolving this issue. Your intervention in this matter would be immensely appreciated. 

Thank you for your time and attention. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: CBC Companies, Inc.
State: FL

Complaint narrative:
Innovis Has caused me a lot of stress because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile!! 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) the banking system is dependent upon fair and accurate credit!! Even the Debt collector is reporting inaccurate information on my profile!! Innovis never informed me what's going on in writing to get the issues resolved, per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( 2 ) is {$1000.00} per violation! This company has caused me a lot of problems, I can't get good rates on insurance or credit or a loan!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
0n XX/XX/XXXX i went to the dealership to lease a vehicle under my company 's business I GAVE THEM MY CREDIT REPORT ALONG WITH MY COMPANIES INFORMATION. 
THEY HAD NO RIGHT PULLING A CREDIT REPORT WHEN I ALREADY GAVE THEM MY REPORT. 
A MONTH AFTER I RECEIVED THE VEHICLE, I NOTICED THAT DEALERSHIP WHICH IS XXXX OF XXXX XXXX XXXX XX/XX/XXXX ) AND XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  ) THEY WERE NEVER AUTHORIZED XXXX PULL MY CREDIT REPORT NOR DID THEY HAVE CONSENT TO PASS MY INFORMATION TO A THIRD PARTY EXPERIAN SENT ME A LETTER ( SEE attachment ), STATING THE INFORMATION IS ACCURATE WHICH IS FALSE. AND THEY NEVER SENT EVIDENCE TO PROVE I AUTHORIZED THESE INQUIRIES. 
I ALSO SENT A LETTER TO THE LENDER ( SEE ATTACHMENT ), LETTING THEM KNOW I NEED TO SEE EVIDENCE

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 2023-10-28 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: IL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: AZ

Complaint narrative:
I noticed and reported fraud on my Bank of America credit card on XX/XX/2023 while the transactions were still in a pending status. 

There was two charges ( one for {$930.00} and another for {$790.00} ) from Spirit airlines that were not authorized by me. I have never done any business with this airline. 

Bank of America investigated my claim and provided a partial reversal of the fraudulent charges, {$930.00} was reversed and the rest was not. 
They also provided partial documentation from Spirit airlines advising me that I received services and am responsible for the {$790.00} charge. 

I contacted Spirit airlines and they would not investigate this matter since Bank of America had to initiate this process. They were able to send me some documentation of how the airline ticket was purchased along with an email and phone number that did not belong to me. 

On XX/XX/XXXX, I attempted to appeal Bank of Americas decision and was advised I had to start a new claim/dispute as the initial claim was closed. 

On XX/XX/XXXX, I requested an email or mailing address to submit a formal written complaint and their representative XXXX from Arkansas advised they do not have one and I can only proceed to file a complaint with her over the phone. 

I do not understand how one charge was considered fraudulent and the other valid since the same person/contact info processed both transactions. 
Bank of America did not thoroughly investigate these fraudulent charges and my credit score has been negatively impacted due to carrying a balance of this credit card.

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 2023-10-27 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: NY

Complaint narrative:
I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed : -- -- -TransUnion 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 2023-10-27 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: World Acceptance Corporation
State: AL

Complaint narrative:
Send me something with my name on it please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: LEXISNEXIS
State: FL

Complaint narrative:
A bankruptcy discharge was placed on all three credit agencies after I asked that my information not be reported

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
The following accounts I did not authorize them to be opened, and would like them removed from my XXXX XXXX consumer report. I have disputed them previously, and would like validation of the ownership if they can not be removed. Also, Navy Federal will need to provide its verification process, in detail, as well ; rather than just responding with unsupported statements. 

Navy Federal Credit Union Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
ChexSystem Has caused me a lot of stress because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile!! 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) the banking system is dependent upon fair and accurate credit!! Even the Debt collector is reporting inaccurate information on my profile!! ChexSystem never informed me what's going on in writing to get the issues resolved, per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( 2 ) is {$1000.00} per violation! This company has caused me a lot of problems, I can't get good rates on insurance or credit or a loan!!!

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 2023-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Self Financial Inc.
State: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Self ( formerly known as Self Lender ) and XXXX XXXX XXXX regarding an unauthorized credit account opened in my name, causing adverse effects on my credit report. Despite numerous attempts to address this issue directly with the bank, they have failed to rectify the situation, resulting in significant financial and emotional distress. 

In XXXX, I became aware of an active credit account with Self/XXXX XXXX XXXX on my credit report, which was initiated without my knowledge or consent. Upon discovering this account, I promptly initiated contact with the bank to report the unauthorized nature of this account. 

In response to this concerning discovery, I took immediate action by following the necessary procedures for cases of identity theft. I filed a report with the Federal Trade Commission ( FTC ) and with local law enforcement, providing comprehensive documentation to support my claim that the credit account in question was opened fraudulently without my authorization. 

Despite engaging in multiple conversations with representatives from SelfXXXXXXXX XXXX XXXX and furnishing them with all the relevant evidence, including the FTC identity theft paperwork and the local police report, the bank has failed to take the appropriate steps to remove the unauthorized account from my credit report. This neglect on their part has resulted in an unjust and detrimental impact on my credit score, affecting my financial standing and causing undue hardship. 

As a consumer, I believe I am entitled to accurate and fair reporting of my credit information in accordance with the Fair Credit Reporting Act ( FCRA ). SelfXXXX XXXXXXXX XXXX failure to address and rectify this wrongful reporting is a direct violation of the FCRA, and I am seeking your intervention to ensure the bank fulfills its responsibility to promptly remove the unauthorized credit account from my credit report. 

I respectfully request the Consumer Financial Protection Bureau 's intervention to thoroughly investigate this matter and ensure that SelfXXXXXXXX XXXX XXXX fulfills its obligation to promptly rectify the erroneous reporting to the credit bureaus. Additionally, I urge the Bureau to take necessary measures to prevent such negligent reporting practices in the future. 

Enclosed, you will find copies of all the relevant correspondence, documentation, and evidence submitted to SelfXXXX XXXX XXXX pertaining to this issue for your review and investigation. 

I am grateful for your attention to this crucial matter and eagerly await a swift resolution to correct this issue. Please feel free to contact me if further information or clarification is needed to expedite this process. 

Thank you for your assistance in addressing this pressing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
Ive noticed a collection that doesnt belong to me on my report and already disputed with company who failed to correct the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2023-10-27 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: TX

Complaint narrative:
I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2023-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions 1. US DEPT ED Active {$4800.00} N/A of Credit Limit 2 XXXX XXXX XXXX XXXX Active {$3700.00} N/A of Credit Limit 3 . XXXX Closed {$2700.00} N/A of Credit Limit 4. XXXX Closed {$7600.00} N/A of Credit Limit 5 XXXX XXXX Closed N/A N/A of Credit Limit 6. XXXX Closed N/A N/A of Credit Limit 7. XXXX Closed N/A N/A of Credit Limit 8. XXXX XXXX Closed N/A N/A of Credit Limit 9. XXXX  Closed N/A N/A of Credit Limit

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 2023-10-27 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions 1. US DEPT ED Active {$4800.00} N/A of Credit Limit 2 . US DEPT ED Active {$3700.00} N/A of Credit Limit 3 . XXXX Closed {$2700.00} N/A of Credit Limit 4. XXXX  Closed {$7600.00} N/A of Credit Limit 5 . XXXX Closed N/A N/A of Credit Limit 6. XXXX Closed N/A N/A of Credit Limit 7. XXXX Closed N/A N/A of Credit Limit 8. XXXX XXXX Closed N/A N/A of Credit Limit 9. XXXX  Closed N/A N/A of Credit Limit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XXXX and XX/XX/XXXX of XXXX I contacted Citi card rewards. The first time was chat and the secoind time was the phone. I get check mailed to me becaseu they can not seem to figure out how to deposit it to my checking account ( the same one I pay them with ). So now I get an error message that my address needs updating. They update it and get the same message- telling me they still can not send the check. Basically they give me no way to redeem but to apply it to my card balance. That is not the contract for rewards- it is CASH rewards. They are running a scam.

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 2023-10-28 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: DC

Complaint narrative:
I have never been 30 days late. I contacted the company when I returned from XXXX XXXX. I had asked for electronic billing at least six months before, and the company never updated my data until later in XXXX 

I was in XXXX with no internet access in XXXX and no access to clearly could not get US Mail. 

As soon as I returned, I called the company and complained that they didn't send me an electronic notice, and I paid the balance in that call. Its never been 30-59 days as reported in XX/XX/ XXXX 

I was assured that my payment history wasn't negative, but I see it reported paid as agreed, with no delinquencies. I paid {$300.00} in XXXX in two payments of {$300.00} within ten days of each other, which clearly shows that I wasn't delinquent 30-59 days.

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 2023-10-28 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: DC

Complaint narrative:
I have never been 30 days late. I contacted the company when I returned from XXXX XXXX. I had asked for electronic billing at least XXXX months before, and the company never updated my data until later in XXXX 

I was in XXXX with no internet access in XXXX and no access to clearly could not get US Mail. 

As soon as I returned, I called the company and complained that they didn't send me an electronic notice, and I paid the balance in that call. Its never been XXXX days as reported in XX/XX/XXXX XXXX 

I was assured that my payment history wasn't negative, but I see it reported paid as agreed, with no delinquencies. I paid {$300.00} in XXXX in two payments of {$300.00} within ten days of each other, which clearly shows that I wasn't delinquent 30-59 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 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: DC

Complaint narrative:
I have never been 30 days late. I contacted the company when I returned from XXXX XXXX. I had asked for electronic billing at least six months before, and the company never updated my data until later in XXXX 

I was in XXXX with no internet access in XXXX and no access to clearly could not get US Mail. 

As soon as I returned, I called the company and complained that they didn't send me an electronic notice, and I paid the balance in that call. Its never been XXXX days as reported in XX/XX/XXXX XXXX 

I was assured that my payment history wasn't negative, but I see it reported paid as agreed, with no delinquencies. I paid {$300.00} in XXXX in XXXXwo payments of {$300.00} within ten days of each other, which clearly shows that I wasn't delinquent 30-59 days.

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 2023-10-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I ended up moving to another address before I knew I was approved for my Unemployement claim.I didnt have a chance to get my debit card. My whole account was wiped out, I didnt notice until 2 years later.. Ive been trying to reach out for some time & was able to get through so I gave up. Until one morning I woke up & decided to call because I was receiving emails I called and found out my account was wiped out. I disputed the claims they denied both claiming it to be me. Its unfair

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