vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/XXXX I applied to extend my credit with Bank Of America and I applied for a credit card in which I was denied credit. I reached out to Bank Of America and let them know this is in fact discrimination. The consumer law does not state who is credit worthy or not, I am credit worthy and this denial put me and my XXXX year old daughter through mental and physical distress. Due to not being approved for said credit card this is now in fact fraud because I exercised my right to credit but was denied. I applied in good faith but received no benefit. I also took a look at my consumer report and seen that there was indeed a hard inquiry which hurts my consumer report as well. I'm aware that I have the right to privacy and with Bank Of America I was not only denied credit but I was also denied privacy in which I never gave Bank Of America permission to report to my consumer report.

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 2023-12-14 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:
Someone has been using my personal information in an attempt to open up accounts in my name without my permission or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PACE Funding Group, LLC
State: CA

Complaint narrative:
A pursuant email was sent to the collector, in return they responded on XX/XX/ via email with a payoff statement. We then sent a validation letter requesting validation of debt and for all supporting documentations not limited to original contract / agreement all signed contract and for explanation of services and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report.I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 

I ask that the items be deleted to correct my credit report. Fraududlent accounts : 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 ( original creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX : XXXX ( original creditor XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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: GA

Complaint narrative:
I called your department after I purchased a credit report with XXXX dated XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were COLLECTION and CHARGE OFF and COLLECTION accounts on my credit report. This is disappointing because I have been paying Credit Hero to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off and collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : 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 2023-12-14 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: GA

Complaint narrative:
I called your department after I purchased a credit report with XXXX dated XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were COLLECTION and CHARGE OFF and COLLECTION accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off and collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXXand XXXX XXXX XXXX ; INQUIRIES XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX XXXX Inquiry Date XX/XX/2023 XXXX XXXXXXXX XXXX Inquiry Date XX/XX/2023 and XXXX XXXX  Inquiry Date XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
To see whatever happened with my Wells Fargo account.

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 2023-12-14 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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: FL

Complaint narrative:
Im in the process of buying a home and I went to get a copy of my credit report and upon receipt of it I noticed discrepancies in my report in which I reached out to the credit bureaus XXXX, XXXX, Equifax. I am writing to dispute several negative items on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). These inaccuracies have significantly impacted my credit score and financial standing.

I have carefully reviewed my credit report from XXXX, XXXX, Equifax dated [ Date ], and I have identified the following discrepancies : 1. [ XXXX XXXX, XXXX XXXX charges and insurance resolved debt back in XXXX  informed by creditor. 

XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX The aforementioned inaccuracies violate the provisions outlined in 15 U.S.C. 1681, specifically : - **Accuracy and Fairness ( 15 U.S.C. 1681e ) ** : The negative items inaccurately represent my credit history, leading to an unfair assessment of my creditworthiness. I request a thorough investigation into the accuracy of these items.

- **Access to Information ( 15 U.S.C . 1681g ) ** : I am entitled to accurate information in my credit report. The discrepancies mentioned above have denied me this right, and I request that the inaccuracies be promptly corrected.

- **Dispute Procedure ( 15 U.S.C. 1681i ) ** : I have reached out to XXXX, Equifax, XXXX, but to no avail. The agency has failed to conduct a reasonable reinvestigation, as required by law. 

I kindly request a comprehensive review of this matter in accordance with the provisions of the Fair Credit Reporting Act. 

I appreciate your prompt attention to this dispute, and I trust that your intervention will lead to the correction of these inaccuracies. Please keep me informed of the progress and outcome of the investigation. 

Thank you for your assistance in upholding the consumer rights outlined in XXXX XXXX. XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: FL

Complaint narrative:
Im in the process of buying a home and I went to get a copy of my credit report and upon receipt of it I noticed discrepancies in my report in which I reached out to the credit bureaus XXXX, Experian, XXXX. I am writing to dispute several negative items on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). These inaccuracies have significantly impacted my credit score and financial standing.

I have carefully reviewed my credit report from XXXX, Experian, XXXX dated [ Date ], and I have identified the following discrepancies : XXXX. [ XXXX XXXX, XXXX XXXX charges and insurance resolved debt back in XXXX informed by creditor. 

XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX The aforementioned inaccuracies violate the provisions outlined in 15 U.S.C. 1681, specifically : - **Accuracy and Fairness ( 15 U.S.C. 1681e ) ** : The negative items inaccurately represent my credit history, leading to an unfair assessment of my creditworthiness. I request a thorough investigation into the accuracy of these items.

- **Access to Information ( 15 U.S.C . 1681g ) ** : I am entitled to accurate information in my credit report. The discrepancies mentioned above have denied me this right, and I request that the inaccuracies be promptly corrected.

- **Dispute Procedure ( 15 U.S.C. 1681i ) ** : I have reached out to XXXX XXXXXXXX, Experian, but to no avail. The agency has failed to conduct a reasonable reinvestigation, as required by law. 

I kindly request a comprehensive review of this matter in accordance with the provisions of the Fair Credit Reporting Act. 

I appreciate your prompt attention to this dispute, and I trust that your intervention will lead to the correction of these inaccuracies. Please keep me informed of the progress and outcome of the investigation. 

Thank you for your assistance in upholding the consumer rights outlined in 15 U.S.C. 1681. 

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 2023-12-14 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: PA

Complaint narrative:
See document attached

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 2023-12-14 00:00:00
Product: Credit 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: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
1. I PURCHASED A PACKAGE TRAVEL WITH EXPEDIA.COM USING MY CITIZENS CARD. 
2. AFTER BOOKING MY PACKAGE WITH 2 HOURS. I WAS TOLD EXPOSED TO XXXX. WITHIN 4 HOURS. I CALLED XXXX REQUESTING A CANCELLATION DUE XXXX 3. XXXX HAS A 24 HOURS CANCELLATION POLICY FOR THE FULL REFUNDS 4. AFTER SPEAKING TO A REPRESENTATIVE. I WAS TOLD THEY ARE UNABLE TO CANCEL MY TRAVEL PLANS... I WAS INFORMED TO CALLED THE HOTEL AND AIRLINES DIRECTLY FOR ANY CANCELLATIONS. 
5. AFTER CALL THE HOTEL AND AIRLINES. I WAS TOLD THEY ARE UNABLE TO CANCEL MY SERVICES SINCE I HAD BOOKED IT ONLINE THROUGH A ( THIRD PARTY. 
6. I IMMEDIATELY CALLED BACK XXXX EXPLAINING MY OUTCOME FROM THE HOTEL AND AIRLINES. SAYING THE HOTEL AND AIRLINES DID MADE MY RESERVATIONS. AND I REQUESTING MY CANCELLATION. 
7 XXXX IS MISLEADING AND DISHONEST. MY TRAVEL PLANS WAS CANCELLED WITHIN 4 HOURS. XXXX HAS 24 HOURS TRAVEL POLICY FOR THE FULL REFUND CITIZENS BANK IS ( UNACCOMMODATING ) I AM UNABLE TO COMMUNICATION WITH THE DISPUTE DEPARTMENT. THEY ARE NEVER RETURNED MY CALLS. 
8. I KEPT CALLING CUSTOMER SERVICE TO ESCALATE MY FRUSTRATIONS. THEY ARE NOT HELPFUL. 
CITIZENS WROTE A LETTER SAYING WHAT IS XXXX POLICY IS AND THEY ARE NOT TRYING TO BE FAIR WITH MY RIGHTS.. AND RETURNING MY FULL FUND

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-14 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: IL

Complaint narrative:
I am writing to dispute the validity of the debt associated with the accounts reported by XXXX , to the credit reportingagencies. I have strong reason to believe that this alleged debts is fraudulent, and itsinclusion in my credit report is both inaccurate and damaging to my creditworthiness.As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit ReportingAct ( FCRA ), I am entitled to receive validation and verification of this debt uponrequest. I hereby request that you provide me with all necessary documentationvalidating the debt, including a copy of the original contract or agreement, anystatements reflecting my obligation, and the chain of ownership demonstrating howyou acquired the alleged debts. All accounts listed in Identitytheft are opened not byme and follow the law must be removed from credit report immediately.Furthermore, I request that you cease all collection activities related to this accountuntil you have provided the required validation. Any failure to comply with thisrequest within the stipulated timeframe may result in legal action, including but notlimited to a lawsuit for violations of the FDCPA and FCRA. Please be advised that I amaware of my rights under the FDCPA and FCRA and will not hesitate to pursue legalrecourse if necessary. Additionally, I have already filed a report with the Federal TradeCommission ( FTC ) and law agency regarding this fraudulent account. I have been avictim of identity theft fraud. I have no idea of any of these accounts. I have neveropened any of these accounts. Please review this and remove this as soon aspossible.

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 2023-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
account # XXXX US Bank They closed my account but i never received the money what i have on my account

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 2023-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mar Joe Enterprises
State: MI

Complaint narrative:
On XXXX i sent a letter to the address that was on file on my credit report asking for validation And i got a letter back stating this letter was returned back to me. Because they could not find account or my name in their records The company that sent me the letter was XXXX FORMERLY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
I keep receiving letters from Mr Cooper regarding my home insurance. They keep saying I don't have insurance and they are going to force me to take one they choose. I can't talk to anyone. I can't get past their " loan verification '' system with my SS or my loan number. Have tried to Chat but just get a message that they can't help me. I have no way to take care of this problem when communication with the company is impossible. I NEED to know if they have record of my home owners insurance. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: PA

Complaint narrative:
A deposit was placed on my account for {$280.00} by XXXX XXXX ( a rental car on vacation in XXXX, XXXX ) on XX/XX/2023. When I returned the rental car on XX/XX/2023, XXXX XXXX canceled the deposit and assured the hold would fall off my bank account in 3-5 business days. Despite providing proof ( receipt with authorization code ), Chime ( XXXX XXXX XXXX ) still has not released the pending transaction back to my available balance as of XX/XX/2023. They have given me different answers at every turn, including that it would post back to my available balance within 7 days ( already past ), that rental car deposits take up to 30 days to expire ( but this one was canceled ), that they would confirm the cancelation with the rental car company and return the funds to my available balance the same day ( this did not happen ), and that they can't contact the rental car company because it is not in the US. At their request, I emailed the original deposit receipt and the deposit cancellation receipt ( with authorization codes ) three separate times. Every person I talk to gives me a different answer or just hangs up on me. I spoke with the rental car company again and they assured me that they confirmed with their bank that the deposit was canceled on XX/XX/XXXX and that there should no longer be a hold for that amount on my bank account, yet Chime refuses to release the funds back to my available balance, contact the rental car company to confirm the details, or provide any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: EQUIFAX, INC.
State: MS

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file an urgent complaint against U.S. Bank National Association regarding the unjustified hold placed on my checking accounts, linked to VISA debit cards ending in XXXX and XXXX, under account numbers XXXX and XXXX, respectively. 

On XX/XX/2023, at XXXXXXXX XXXX XXXX XXXX XXXX, I attempted to make an online purchase using my XXXX  debit card ending in XXXX, only to find that the transaction was declined multiple times. Subsequently, I attempted to use my alternative debit card ending in XXXX, only to encounter the same issue. Alarmed by this situation, I promptly contacted U.S. Bank 's Cardmember service team for clarification. The banker informed me that the hold was initiated on XX/XX/2023, without providing any substantive explanation or documenting any actions on my part that may have warranted such action. 

As these funds are crucial for my day-to-day living expenses, the lack of transparency and immediate access to my accounts is a matter of utmost concern. I am left without a logical explanation for the hold, and the urgency of this situation requires an immediate resolution to avoid disruption to my daily life.

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