vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My mortgage with XXXX XXXX  was paid in full on XX/XX/2020. I have the documents to prove this from both the bank and XXXX XXXX clerk. I submitted a dispute through Experian on XX/XX/2020. The dispute came back as complete, but it still does not show the account paid in full.

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 2022-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently pulled my reports and noticed you are reporting the incorrect date of last activity, and incorrect account status for account ( XXXX XXXX XXXXXXXX ). Because the date of last activity, and account status being reported by your company, XXXX and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Also in the creditor remarks you put " Account information disputed by consumer, meets FCRA requirements ''. This account is being reported with inaccurate information is actually violating my FCRA rights, which means this the information being reported should be the same across the board and be 100 % accurate or you are subject to {$1000.00} per violation. Delete this account 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 2022-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX XXXX  XX/XX/XXXX -XXXX XXXXXXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX -XXXX  XXXX 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.

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 2022-11-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I XXXX XXXX XXXX entered into a consumer credit transaction with EXETER FINANCE CORP on XX/XX/2022. A consumer credit transaction in which a finance charge as well as cash down payment was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, however EXETER FINANCE CORP took cash which is in violation of 15 usc 1662. The finance charge is supposed to include insurance, but EXETER FINANCE CORP made me purchase insurance separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: U.S. BANCORP
State: TX

Complaint narrative:
You offered me an opportunity to explain my XXXX late payment with Elan Financial Services, but with no satisfaction you reported everything was accurate. 
I did have issues with my wife with the XXXX XXXX XXXX, around the time that my payment went past due. 
I was out of town and could not take care of it. 
I would like to take advantage of your kindness, to remove negative reporting from my credit bureau file. 
I tried to talk to a representative, but they would not accept my reasons for late payment back when this occurred. 
Please check my record, I have never been late, that is the only late payment that I have on my record. 
I would appreciate if this can be removed as soon as possible. Thanking you in advance. 
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 2022-11-11 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Late payments were reported for a car loan by Bridgecrest in which I was severely impacted by XXXX XXXX  pandemic. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681, Section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666 B.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I received an alert that B of A had run my credit. Haven't applied for any new credit at all.

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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My mortgage is showing as XXXX in bankruptcy when it was paid in full in a sale on XX/XX/XXXX. A complaint was filed through XXXX, but the bank was sold and the dispute closed with no resolution. The dispute was filed on XX/XX/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 2022-11-11 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: EQUIFAX, INC.
State: OH

Complaint narrative:
ON MY CREDIT REPORTS, I HAVE A XXXX DAY LATE PAYMENT ON MY SUN FEDERAL ACCOUNTS WHICH WAS DONE IN ERROR. I SPOKE WITH A REPRESENTATIVE FROM XXXX XXXXXXXX BY THE NAME OF XXXX XXXX WHO ACKNOWLEDGE THE ERROR AND STATED THAT THE CREDIT BUREAUS WERE CONTACTED TO CORRECT THE ERROR. I HAVE DISPUTED THIS INFORMATION WITH THE CREDIT BUREAUS AND THEY CONTINUE TO SAY THAT THEY INVESTIGATED THE INFORMATION AND FOUND IT TO BE CORRECT ; WHEN IN FACT IT IS AN ERROR THAT THEY REFUSE TO FIX. MY ACCOUNT WAS NEVER XXXX DAYS LATE AND THE XXXX XXXXXXXX XXXX XXXX SUBMITTED THE CORRECT INFORMATION WHICH XXXX, XXXX AND EQUIFAX WILL NOT FIX. 
THIS IS A VIOLATION OF THE LAW TO HAVE INCORRECT INFORMATION REPORTING ON MY CREDIT FILE, NOT ONLY THAT, MY CREDIT SCORE DECREASED OVER XXXX POINTS BECAUSE OF THIS. IT ISN'T FAIR THAT MY CREDIT SCORE AND MY CREDIT FILE HAVE TO SUFFER DUE TO AN ERROR THAT HAS BEEN DISPUTED NUMEROUS TIMES AND THESE CREDIT REPORTING AGENCIES REFUSE TO FIX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: OH

Complaint narrative:
ON MY CREDIT REPORTS, I HAVE A XXXX DAY LATE PAYMENT ON MY SUN FEDERAL ACCOUNTS WHICH WAS DONE IN ERROR. I SPOKE WITH A REPRESENTATIVE FROM XXXX  XXXX BY THE NAME OF XXXX XXXX WHO ACKNOWLEDGE THE ERROR AND STATED THAT THE CREDIT BUREAUS WERE CONTACTED TO CORRECT THE ERROR. I HAVE DISPUTED THIS INFORMATION WITH THE CREDIT BUREAUS AND THEY CONTINUE TO SAY THAT THEY INVESTIGATED THE INFORMATION AND FOUND IT TO BE CORRECT ; WHEN IN FACT IT IS AN ERROR THAT THEY REFUSE TO FIX. MY ACCOUNT WAS NEVER XXXX DAYS LATE AND THE XXXX  XXXX XXXX XXXX SUBMITTED THE CORRECT INFORMATION WHICH XXXX, EXPERIAN AND XXXX WILL NOT FIX. 
THIS IS A VIOLATION OF THE LAW TO HAVE INCORRECT INFORMATION REPORTING ON MY CREDIT FILE, NOT ONLY THAT, MY XXXX XXXX DECREASED OVER XXXX POINTS BECAUSE OF THIS. IT ISN'T FAIR THAT MY XXXX XXXX AND MY CREDIT FILE HAVE TO SUFFER DUE TO AN ERROR THAT HAS BEEN DISPUTED NUMEROUS TIMES AND THESE CREDIT REPORTING AGENCIES REFUSE TO FIX.

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 2022-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
ON MY CREDIT REPORTS, I HAVE A XXXX DAY LATE PAYMENT ON MY SUN FEDERAL ACCOUNTS WHICH WAS DONE IN ERROR. I SPOKE WITH A REPRESENTATIVE FROM XXXX XXXXXXXX BY THE NAME OF XXXX XXXX WHO ACKNOWLEDGE THE ERROR AND STATED THAT THE CREDIT BUREAUS WERE CONTACTED TO CORRECT THE ERROR. I HAVE DISPUTED THIS INFORMATION WITH THE CREDIT BUREAUS AND THEY CONTINUE TO SAY THAT THEY INVESTIGATED THE INFORMATION AND FOUND IT TO BE CORRECT ; WHEN IN FACT IT IS AN ERROR THAT THEY REFUSE TO FIX. MY ACCOUNT WAS NEVER XXXX DAYS LATE AND THE XXXX XXXXXXXX XXXX XXXX SUBMITTED THE CORRECT INFORMATION WHICH TRANSUNION, XXXX AND XXXX WILL NOT FIX. 
THIS IS A VIOLATION OF THE LAW TO HAVE INCORRECT INFORMATION REPORTING ON MY CREDIT FILE, NOT ONLY THAT, MY XXXX XXXX DECREASED OVER XXXX POINTS BECAUSE OF THIS. IT ISN'T FAIR THAT MY XXXX XXXX AND MY CREDIT FILE HAVE TO SUFFER DUE TO AN ERROR THAT HAS BEEN DISPUTED NUMEROUS TIMES AND THESE CREDIT REPORTING AGENCIES REFUSE TO FIX.

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 2022-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am the XXXX XXXX at a XXXX XXXX XXXX XXXX XXXXXXXX XXXX, New York. The organization has had a business bank account with Chase for over 15 years. During the last few months, we attempted to add XXXX signatories to the account. Because of multiple errors, incorrect information provided, and general incompetence by Chase representatives XXXX XXXX and XXXX XXXX at the XXXX XXXX XXXX location in XXXX, this did not get accomplished after XXXX in-person visits to ChasXXXX XXXX XXXX XXXX ignored all of my attempts to contact him regarding this matter. On XXXX, because of its own errors, Chase told us that it would close the account if we did not appear in person at the branch that day. We decided that we wanted to close the account and told that to XXXX XXXX. XXXX XXXX told me that the account was closed at that time but that we had to make another in-person trip to pick up the check for the balance. We agreed that we would do so on Saturday XXXX. When we got there on XXXX, we were told that more mistakes had been made by Chase and that the account would not be closed until Monday XXXX. XXXX XXXX agreed to close the account on Monday XXXX and to mail us a check with the balance. The account has not been closed and XXXX XXXX and XXXX XXXX have continued to ignore my calls and email. 

Chase also incorrectly put a hold on an escrow account belonging to our lawyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK
State: FL

Complaint narrative:
This dispute is about the re-charge on XX/XX/2022 Merchant name is XXXXXXXX XXXX XXXXXXXX ) for the amount {$7800.00} - reason is unknown. Worked with XXXXXXXX Discover but all can not resolved the issue Original XXXX  order XXXX was on XX/XX/2022. Amount charged {$7800.00} XXXX  failed to deliver to me and package was returned back to XXXX  on XXXX Therefore a refund confirmation initiated. Refund of {$7800.00} was seen on my credit card on XX/XX/2022 XXXX  re-applied {$7800.00} on XX/XX/2022 stating the item was delivered.. I confirmed nothing was received on XX/XX/2022 hence the refund was initiated by XXXX XXXX Discover Card and asked for helped. After 2 months of escalating and multiple inquiries the result came back negative. Discover stated not enough information to help with the dispute I provided all the information that I have at this point. I even provided a screenshot from XXXX on XX/XX/2022 stating their fault to not deliver and that's why the package was returned back to XXXX and hence the refund but Discover did not take this seriously. 

Asking CFPB to help because this is almost {$8000.00} that I should not be responsible for from the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Complaint XXXXXXXX XXXX XXXX XXXX. 
Corporate Head Office XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, New Jersey XXXX XXXX  Dear sir/madam, I am writing to make a complaint against the above mentioned bank regarding an excessive numbers of fees applied to the following XXXX accounts : XXXX  Checking Account # XXXX XXXX  Money Market Account # XXXX XXXX  I have spent reasonable efforts to have XXXX bank rebate the numerous and excessive fees applied to the above XXXX mentioned accounts. 

The bank, however, refused to refund the numerous fees that have been applied for the life of the XXXX accounts. 


I can't afford to lose all the fees that the bank is charging me. I would like to habe these fees reversed and rebated to my XXXX accounts. 


Thank you for your kind assistance and look forward to hearing from you. 


Respectfully, XXXX XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Each year, I request my free credit report from each of the XXXX Credit Bureaus. I do this on-line. XXXX XXXX and XXXX are very responsive. However, EVERY year Equifax has some " excuse '' for not being able to produce my credit report. This year ( XX/XX/XXXX ), after getting my request, they referred me to their customer support phone line. This service is automated and did nothing more than refer me back to their web site, which had already failed. 
I submitted a similar complaint last year and a printed copy of my report " magically '' appeared in the mail a couple of weeks later. The last time that I successfully got a credit report on line from Equifax was XXXX. They need to clean up their on-line responsiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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:
AFTER WORKING WITH A LAW FIRM : Unsolicited letters reopening old accounts that are paid for such as XXXX XXXX about XXXX  loan over 10 years ago including applying for credit and calling in for free report and denied by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Total Card, Inc.
State: PR

Complaint narrative:
I am trying to close my account on a Total Visa credit card. 
I can't use it, balance is XXXX, alway get declined. 
I emailed them numerous times, leaving message in their XXXX page and customer service number is out of service or always busy line. They charge me {$6.00} every month as fixed fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name U.S Bankruptcy Court Account # XXXX has violated my rights. 15 USC 1681 Section 602.A states that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states ; No consumer reporting agency may make any consumer report containing any of the following items of information, ay other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years. 15 USC 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 accurate.

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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I was involved in a class action suit with XXXX XXXX  XXXX because of fees and their reporting inaccuracies on my consumer reports such as XXXX and early warning. I received XXXX checks in the mail for all three accounts, however, only XXXX were removed from XXXX, and Early Warning as I have previously disputed the inaccuracies with them in the past. They are still reporting the third account and it is affecting my ability to open a new bank account. I was instructed to contact XXXX and Early Warning as they are the reporting agencies still reporting this inaccurate information. The account below is still reporting inaccurate and I am asking for them to please remove it. 

XXXX XXXX XXXX  Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/XXXX at XXXX a checking account was opened under my name at Bank of America. I woke up to several emails from Bank of America saying that my email had been verified, account was in process, and then that the account was open. I do not have any accounts with Bank of America. I called the number on the email XXXX. They then gave me a number to call XXXX. I spoke with a man and he said an account was opened. He asked for my info including my social security number which made me uncomfortable. He flagged the account and then said it was closed. I just want to make sure this is legit. I have frozen my credit and reported to the government.

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 2022-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have TD bank visa card. I have my card on auto-payment with TD bank. They charged me late fee of {$35.00} in XXXX and XXXX. I called them on XX/XX/2022 and they told me that your auto-payment was rejected due to insufficient funds. I told them that its only {$35.00} and I have more balance in my account than this amount and told them that I have bank statements. They checked and told me that they will reverse the charge as it is the mistake of TD bank, and this month same problem happens with multiple customers. Then I checked that same problem happened in XXXX and they charged me {$35.00}. I called them again that kindly adjust this {$35.00} of XXXX as well. So, I explained the whole story to new customer service representative, and she just kept telling me : it is due to insufficient funds and refuse to listen to me further and just drop the call.

Company response to consumer: Closed with explanation