vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received a call from someone who said he was a representative from my bank. He had my information. And scammed me out of {$1000.00}. the bank denied my request to refund it. 
I am a XXXX  citizen and live on a fixed income.

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am frustrated because I am being taken advantage of by this credit bureau. I have filed a dispute of inaccurate items that is being mixed on my credit report. Mixed information is not supposed to be on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: SD

Complaint narrative:
Ally financial has called me XXXX times in XXXX days. I'm actively paying the debt, as well, but they are relentless and never identify themselves when they call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to Equifax requesting an investigation into several inaccurate items on my credit report. The specific items in question are as follows : XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX - Account Number : XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX Additionally, I disputed a public record entry : Court Name : XXXX XXXX XXXX  Reference Number : XXXX In my dispute letter, I specifically requested the following information. How Equifax verified the accounts and public record disputed on my credit report. The date when Equifax contacted the creditor and furnisher. Contact information of the creditor and the furnisher. The name of the person who verified the accounts and public record in question. The method of verification used to verify the account and the public record. Whether the furnisher and creditor provided my Social Security Number and Date of Birth. To support my dispute and verify my identity, I included copies of my photo ID, Social Security card, and a recent bill with my current address. Despite providing this information, I did not receive a response back from Equifax with the investigation results. According to the Fair Credit Reporting Act ( FCRA ), if a consumer disputes the completeness or accuracy of any item in their credit file, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that Equifax has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute, as required by the FCRA. I request the Consumer Financial Protection Bureau ( CFPB ) to intervene to ensure that my consumer rights are not violated. Specifically, I ask that the CFPB requires Equifax to conduct a comprehensive investigation of the disputed items on my credit report, ensure Equifax provides the detailed verification information as requested and mandate that Equifax correct any inaccuracies found in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
In XXXX of 2023 I was struggling with a divorce and I had Navient calling family members calling them and telling them I have a debt with them and that I need to call them. They were calling not just one but SEVERAL MEMBERS of my family AND extended family members. I was humiliated as I was a single mom going through a divorce and also having to deal with this going on as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: FL

Complaint narrative:
The INQUIRIES listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These INQUIRIES were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the INQUIRIES removed from my file. 
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 XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-06-03 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Disputed XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX for the 4th time and Equifax have lied and said that it was verified. According to the creditor they didnt get anything from Equifax . I have sent a letter from the creditor, police report, ftc report and a police report and a copy of my ID and Social Security Card. This is the 5th time disputed this account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to Experian requesting an investigation into several inaccurate items on my credit report. The specific items in question are as follows : 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 Additionally, I disputed a public record entry : Court Name : U.S. Bankruptcy Court Reference Number : XXXX To support my dispute and verify my identity, I included copies of my photo ID, Social Security card , and a recent bill with my current address. Despite providing this information, I did not receive a response back from Experian with the investigation results. According to the Fair Credit Reporting Act ( FCRA ), if a consumer disputes the completeness or accuracy of any item in their credit file, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that Experian has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute, as required by the FCRA. 
I request the Consumer Financial Protection Bureau ( CFPB ) to intervene to ensure that my consumer rights are not violated, require Experian to conduct a comprehensive investigation of the disputed items on my credit report, ensure Experian provides the detailed verification information as requested, and mandate that Experian correct any inaccuracies found in my credit 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 2024-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-06-03 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: NJ

Complaint narrative:
I am disputing the accuracy of the late/missed payment entries on my credit report maintained by your reporting agencies. Despite my efforts to ensure timely payments, there are inaccuracies in the reporting that negatively impact my credit score. According to my understanding, credit bureaus are required to complete a thorough XXXX inspection before adding any late or missed payments to a consumer 's credit report. This inspection process is crucial to ensure that the information reported is accurate and corresponds to the date of receipt of payments or letters from consumers. 

In my case, the necessary XXXX inspection seems to have been overlooked, resulting in the incorrect reporting of late/missed payments. This has caused unjustified harm to my credit profile. I have not received any confirmation that these reporting agencies conducted this comprehensive inspection prior to reporting these late payments. Therefore, I am requesting verification and validation of these entries.

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 2024-06-03 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: NJ

Complaint narrative:
I am disputing the accuracy of the late/missed payment entries on my credit report maintained by your reporting agencies. Despite my efforts to ensure timely payments, there are inaccuracies in the reporting that negatively impact my credit score. According to my understanding, credit bureaus are required to complete a thorough XXXX inspection before adding any late or missed payments to a consumer 's credit report. This inspection process is crucial to ensure that the information reported is accurate and corresponds to the date of receipt of payments or letters from consumers. 

In my case, the necessary XXXX inspection seems to have been overlooked, resulting in the incorrect reporting of late/missed payments. This has caused unjustified harm to my credit profile. I have not received any confirmation that these reporting agencies conducted this comprehensive inspection prior to reporting these late payments. Therefore, I am requesting verification and validation of these entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC
State: NJ

Complaint narrative:
XXXX accordance to fair credit report act XXXX  acct contract callers inc # XXXX And water fall XXXX XXXX act # XXXX has violated my rights 15 U.S.C 1681 section 602 A states that I have right to privacy. 15 U.S.C 1681 sections 602 A states it also states when consumer reporting agency can not furnish an account without my written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: FL

Complaint narrative:
I AM A VICTIM OF ID THEFT, THOSE ACCOUNT WERE NOT OPEN BY ME OR AUTHORIZED BY ME Credit Card Opened by the Thief, Company or Organization : XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$430.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$350.00}

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 non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I initiated a dispute online with XXXX XXXX in regard to the tradeline, XXXX XXXX XXXX . It was reported that the credit grantor closed the account out. However, I requested for the account to be closed originally and was never late on my payments since I had payment protection setup with Mycardsecurity. I submitted the dispute and on XXXX it showed the status of the dispute was in review and how the estimated date of completion was supposed to be on XX/XX/year>. As of XXXX Transunion and XXXX XXXX  hasn't fulfilled the investigation and it has been way past 30 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 2024-06-03 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted.

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 2024-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been a customer with Bank america for almost XXXX  years, and my family has been a customer for several decades. 

I opened a XXXX XXXX credit card with BofA in XXXX. It was the first credit card I opened in my name. I have spent hundreds of thousands of dollards on this card, and have a perfect payment history. I had no blemishes on my credit report, both with BofA and with my other credit lines. 

In late XXXX I had XXXX collection reported on my credit. It was the only flaw on my credit report. This collection was incorrectly reported and I was in the process of disputing it. In this process, Bank of America proceeded to close out my credit card in XX/XX/XXXX, giving the reasons of " delinquency on my credit report and inactivity ''. My last activity on the card was in XX/XX/XXXX, which is well within the XXXX year inactivity limit. 

Closing my credit card with no notice not only decreased the average age of my accounts, but also decreased my credit limit. Both these actions harmed my credit score even more. 

I have since succeeded in deleting the collection off my credit report, so I now have 100 % perfect payment history across all credit lines. Therefore, the reason of " delinquency on my credit report '' is simply false.

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 2024-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I made XXXX payments to payoff my Chase XXXX Credit card. I am still receiving a balance that is only interest. I don't understand how interest can accrue when I paid the balance off! I'm also aggravated at the fact the charged me a late fee and other fees because I didn't pay this interest when they wanted it!! My daughter, XXXX XXXX, was paying on it as well and Chase took out a {$50.00} autopay out when it shouldn't have been a payment owed. I tried to call Chase today to rectify this and all I got was transferred to XXXX different people and no resolution.

Company response to consumer: Closed with monetary relief