vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Through my bank, Bank of America, I disputed a charge on XX/XX/year> for a vehicle purchase that was sold to me illegally on XX/XX/year>. I informed the bank reps that I did authorize the charge, but that the vehicle ( product ) was faulty and the company did not own the vehicle and they were guilty of selling a car with a license and title jumping, both of which are illegal in TN. The car was also faulty and the dealership falsified mileage and lied about condition. My initial dispute was denied due to me authorizing the charge.I contacted Bank of America on XX/XX/year> to get clarity on why the claim was denied. I informed them that I authorized the charge but the issue was the sale was fraudulent/illegal. I included my police report and complaints filed with the DMV and FTC. They responded on XX/XX/year> that the claim was again denied, again stating that due to me authorizing the charge and completely disregarding the issue with the sale and product issues.

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 2024-11-13 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: NJ

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: CA

Complaint narrative:
I received a debit card from Netspend in the mail which I did not request. I contacted them via the telephone # on the website to let them I'd know I'd been a victim of fraud. However, Netspend customer service told me they needed to confirm my social security # to close the account which I did not want to give them. They claimed the card had been frozen but would not share any details. Instead, they suggested I contact the FTC.

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 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened a personal I opened a personal in business checking account two weeks ago. Ive deposited money in both accounts. Ive used. I went to go use my debit card and all my accounts have been blocked. I called the customer service department at Citibank and was told that investigation is started for fraudulent activity. I verified my identity multiple times. Ive been on hold for up to an hour and a half at one point Speaking to five different agents regarding the outcome of whats going to happen. Ive asked for detail letters on why the accounts are being closed or why there was fraudulent activity or what what type of thing flagged the account that showed that there was fraudulent activity on the account. Ive been given minimal information. Ive been told that a letter was going to be sent out its been 14 days. I still havent received the letter. Ive called the Citibank fraudulent department. They told me that theyre still working on the investigation and that I can expect a check to be sent back to me with 180 days that seems a little bit long to me. I dont understand how the banking hold your funds for that long of a period of time when you just open the account two weeks ago theres a significant amount of money in the deposit that I transferred into that account and for them to hold onto it for that long is Just doesnt make sense to me and addition to that they keep telling me that somebodys gon na reach out to me. I have never received a phone call from Citibank. Ive never received an email from Citibank and Ive never received a letter from Citibank so its very hard for me to trust the fact that theyre going to even send back the funds in the 180 day period that they say they are because I have zero communication unless I reach out to them.

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 2024-11-13 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: FL

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXXXXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
From XXXX XXXX XXXX I realized 6 international transactions pending from the following merchants : 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 I immediately searched the merchants and all of them dont even have a website. 

I filed a claim on XX/XX/XXXX ( # XXXX ) stating these were not authorized by me and reported as fraud. 

On XX/XX/XXXX I see that my claim has been closed and declined for all XXXX transactions totaling {$1300.00}. 

I want to know how these merchants with no website / business to the name are able to take money out of my account without my authorization. And my claim being denied.

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 2024-11-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the " FCRA '' ( XXXX XXXX XXXX ) ( account # XXXX ) has violated my rights 15 USC 1681 section 602 A. 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 a 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 explanation
Consumer complaint received 2024-11-13 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: AL

Complaint narrative:
Select Portfolio Services abruptly terminated my automatic monthly payments and refunded multiple payments without notice. When I called, I was informed the home equity loan expired/matured and I immediately owed the entire balance. Select Portfolio Services was predatory, unfair and discriminative in it's lending practices with me. Their communication was misleading with repayment terms, options and offerings. The penalties and fees associated with the loan are excessive and inaccurate. These penalties and fees were forced on me by Select Portfolio Services ' predatory actions. Select Portfolio Services referred my mortgage to XXXX XXXX XXXX XXXX to proceed with foreclosure proceedings. I called XXXX XXXX XXXX XXXX at phone number XXXX to again dispute the debt and request detailed information of the original creditor. The phone number is strictly a dial by name directory service. I again reviewed the vague letter I received from the XXXX XXXX XXXX XXXX. Their letter was also misleading communication and misrepresented facts. The letter states to call or write by XX/XX/2024 if I dispute the debt and if I want to ask for information regarding the original creditor. Their legal letter fails to provide a name or any attorney contact information to use thier phone number that is restricted to dial by name directly only. I was never routed to an operator. Select Portfolio Services and XXXX XXXX XXXX XXXX are forcing excessive fees, penalties, communicating deceptive repayment terms and acting willful and wanton to restrict my rights as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Contemporary Information Corp
State: NJ

Complaint narrative:
I did not provide any authorization or written consent for my personal information to be accessed by this agency. They did not have a permissible purpose under law to pull my information. Because this agency fraudulently used my personal information ( without my consent ) to connect a public record to my consumer agency I was not able to obtain housing because I was denied. The address connected to the public record is not even reporting on my credit report either so it further shows that they used a a non public identifier such as SSN to connect this account to me and report on my consumer report ( which again they do not have a permissible purpose ). When I first noticed this on XX/XX/year> I disputed this information and the company refuses to delete this account as they are in fault. I am not sure when they first pulled this information from the public records, however I pulled this report on XX/XX/year>. I filed an identity theft on the company with the FTC as they pulled a public record without my consent and to receive that information they would have had to use sensitive data to verify the case # was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report 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 2024-11-13 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:
This account is not mine and has not been used by me. This account is being reported on my consumer report without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: GA

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

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 2024-11-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

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 2024-11-13 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-13 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: NC

Complaint narrative:
I Filed dispute against 2 reported collection charges on my XXXX and Equifax Report. Each was from the same company at the same amount, XXXX dollars. One stated delinquency date was XX/XX/year> and the other was on XX/XX/year>. 
I requested a detailed description and charges of the alleged products or services reported for each and the date I allegedly received the product or service. Also, according to HIPPA, it was not to be disclosed without my written consent that I received medical/ health services form this company without my written consent. This is displayed on each credit report. They were asked to provide this and they did not. I have been charged for something without any disclosure or description of products or services. I should not be expected or required to pay for anything that a validation or description of products/services can not be provided. Equifax and XXXX replied that the information was verified but did not provide me with any documentation requested on validation. I also requested if any insurance claims against this alleged service or product be provide with detailed information. I have received no validation of the charges or authorization to disclose that I received health care form XXXX XXXX XXXX.HIPPA has not been adhered to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: Professional Recovery Management
State: NC

Complaint narrative:
I Filed dispute against 2 reported collection charges on my XXXX and XXXX Report. Each was from the same company at the same amount, XXXX dollars. One stated delinquency date was XX/XX/year> and the other was on XX/XX/year>. 
I requested a detailed description and charges of the alleged products or services reported for each and the date I allegedly received the product or service. Also, according to HIPPA, it was not to be disclosed without my written consent that I received medical/ health services form this company without my written consent. This is displayed on each credit report. They were asked to provide this and they did not. I have been charged for something without any disclosure or description of products or services. I should not be expected or required to pay for anything that a validation or description of products/services can not be provided. XXXX and XXXX replied that the information was verified but did not provide me with any documentation requested on validation. I also requested if any insurance claims against this alleged service or product be provide with detailed information. I have received no validation of the charges or authorization to disclose that I received XXXX XXXX XXXX XXXX XXXX XXXX has not been adhered to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: U.S. BANCORP
State: CA

Complaint narrative:
I noticed on XX/XX/24, I noticed unauthorized charges on my US Bank Credit card. I contacted the company and they stated that they were going to send me a credit card. On XX/XX/24, I received a call from XXXX from Card Member Services inquiring if I had received the new card. I informed them that I have not received the card. I then looked on the card app and noticed several new unauthorized charges from the US Bank Credit Card. The representative on the phone reported that a new card was left at my house under the mat. I informed her that I never it. The representative stated that she would cancel that card and send me a new card through " Rush Delivery ''. The following day the cared was not there. I again called US Bank on XX/XX/24 to report that I have not received the new card. The representative stated that the card was left on my doorstep by XXXX at XXXX. I again indicated that I have not received the card and she stated that she was going to cancel it and issue out a new card. On Sunday XX/XX/24 several purchased were made on the card that was supposed to be canceled on XX/XX/24. I have tried several times to dispute the charges with US Bank. I am now being held liable because US Bank is stating that someone was able to activate the card. I was proactive in alerting US Bank that I have observed fraud charges. The representative indicated that the two cards were going to be cancelled. I am not understanding how I am liable for fraudulent charges that were made by US Bank 's failure to inactivate the card when fraud was reported. I have completed a police XXXX XXXX XXXX : XXXX regarding the fraudulent charges. I have proof that I was not home during the time that representative indicates that the card was delivered. I would like the fraud charges removed from my account. The calls that I made to US Bank stated that they are recorded which should provide proof each time I indicated that the card was not received and representative stated the cards were going to be cancelled.

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 2024-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-11-13 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: NC

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation