vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Around XXXX or XX/XX/XXXX. I was notified that I qualify for XXXX benefits from North Carolina. I had requested them to go in my regular checking account but for some reason they went on the prepaid Bank of America card. My account was unexpectedly and with no communications from Bank of America, frozen and take a -XXXX and some dollars. It was left that way I believe until XX/XX/XXXX and this happened and XX/XX/XXXX me and my son had just moved into a place after previously losing our home and XX/XX/XXXX. But due to the neglect and poor diligence of Bank of America, we were evicted after our power being disconnected in XX/XX/XXXX because of the coronavirus and the presidents order to not leave our XXXX, unless we were healthcare worker to go to work I have no other options or other means for survival. Not to mention that my mother was in her last year of her life fighting her battles battle with XXXX XXXX. Bank of America has absolutely destroyed my life. My son had to be placing another family members home due to me not having a home I slept in storage buildings I walk the streets, lost any bit of respect I had for myself and dignity. I have been humiliated I have begged I pleaded with Bank of America to assist me in getting this resolved after two years now they still have not gotten anything completely resolved. Ive had three people reach out to me for Bank of America supposedly to resolve this matter that each one of them cause one time, and I never hear from them again

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 2023-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Webcollex, LLC
State: NY

Complaint narrative:
This debt is not mine I notified to remove account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been XXXX  days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

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 2023-05-09 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: GA

Complaint narrative:
You are in direct violation of the fair credit reporting act XXXX XXXX XXXX  XXXX has violated several of my rights. 

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as a late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.

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 2023-05-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
You are in direct violation of the fair credit reporting act XXXX XXXX XXXX  XXXX has violated several of my rights. 

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as a late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This is not my account. I have never signed for, authorized written instructions for this consumer to open an account, any personal information obtained by XXXX XXXX XXXX account # XXXX is inaccurate and obtained fraudulently. This consumer is reporting debt collection on all three credit bureaus with unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
THIS IS THE TEXT OF MY COMPLAINT FILES WITH BARCLAYS 'S BANK regarding my JET BLUE MasterCArd Credit Card This is regarding my complaint # XXXX regarding a Balance Transfer that I did back on XX/XX/ under 0 % BALANCE TRANSFER OFFER. Somehow I am being charged HIGH REGULAR INTEREST for that balance transferred, when the ONLY REASON why I made it was to get the benefit of the 0 % INTEREST RATE to pay over the time. 

There is no logical way that a Customer prefers to pay interest on a Balance Transfer over a 0 % OFFER in any way. NO ONE IS SO XXXX!!!! 

I waited 5-7 business days and called again to be disappointed to hear from XXXX that the case has not even been moved anywhere. I asked to be transferred to a MANAGER and I was told that it would take 48-72 Hours for that to happen. I HOPE IT HAPPENS before my next payment date on XX/XX/. 

The agent who took care of me today XXXX credited me some of the interest or fees but that's not all that has been charged so far. A FINAL RESOLUTION WILL BE THAT THE INTEREST Rate be adjusted to 0 % honoring your offer. and all interest charged to be voideversed. 

So far, I see that I have been charged interest on the Balance Transfer for the past two ( 2 ) statement periods, in addition to the {$75.00} initial fee. 

Sere below that I paid in full the credit card balance on XXXX just to have the amount under 0 % Balance Transfer to pay over the time. 

INTEREST CHARGE-BALANCE T XXXX XXXX XXXX  {$39.00} XX/XX/2023 {$17.00} Payment Received XXXX XXXX XXXX XXXX {$1400.00} BALANCE TRANSFER FEE XX/XX/2023 {$75.00}

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 monetary relief
Consumer complaint received 2023-05-09 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: CITIBANK, N.A.
State: CT

Complaint narrative:
I received a phone call from a credit union that was trying to verify my information for a large loan. She then explained there appeared to be MANY other recent inquiries. All of which were fraudulent.

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 2023-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Acct # XXXX XXXX XXXX  I received a XXXX  XX/XX/XXXX I received a text stating that I owed {$720.00} with an acct # XXXX from Synerprise Consulting Services. Currently and at the time of service my private insurance company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: SC

Complaint narrative:
Upon using cash app, I have mistakenly sent money to maybe XXXX or XXXX different people and have requested my money back as they told me to. Upon requesting it back XXXX incident occurred where the person did try to send the money back and cash app blocked it and they denied the claim. They also close down the other parties cash app as well as with their money still in there. They block their account as well with their money still in the account. This person is now not able to get their money or send me any money as well it is. I file a dispute. It gets denied! I read in there policy that when money is sent to the wrong person, its up to the bank to agree to return the money back to the center. I have been told that they are not allowed to do that that thats not in their policy and then again they arent allowed to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: MT

Complaint narrative:
I have sent many Disputes to Equifax concerning an account with XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX  has always verified information about this account. I have contacted XXXX XXXX XXXX XXXX to request a Payment History and XXXX XXXXXXXX XXXX was unable to provide a Payment History for this Account, they could not find the account. The account information is taken from an Equifax credit report dated XX/XX/XXXX, Equifax Confirmation number is XXXX. The account number in question is XXXX from XXXX XXXX XXXX XXXX XXXX MT XXXX : XXXX. 
According to the report from Equifax the account was opened XX/XX/XXXX. The Terms Duration is left blank with no information ( Error 1 ). Months Revd is 99 This is incorrect ( Error 2 ). Amount Past Due is left blank ( Error XXXX ). Actual Payment amount is left XXXX - incomplete ( Error 4 ). Scheduled Payment Amount left blank inaccurate ( Error 5 ). Date of last activity was XX/XX/XXXX, Date of Last Payment was XX/XX/XXXX how can you have a payment after what is supposed to be the last activity a month later - incorrect information ( Error 6 ). This account was opened from XX/XX/XXXX with the last payment showing as XX/XX/XXXX. How can an account that was open 4 years and 1 month have a reported Account History with only 2 months - XX/XX/XXXX and XX/XX/XXXX showing ( Error 7 ). By law FCRA, Section 609 and 611, XXXX XXXXXXXX XXXX  and Equifax are required to report information accurately. Information is incorrect, missing, inaccurate from both companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Identity was compromised and affect my credit report negatively. These open, collections and chargeoff accounts on my report I do not recognize them. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
TO : Bluebird Customer Service XXXX XXXX XXXX XXXX, GA XXXX From : Account # XXXX XXXX XXXX I am disputing the following 8 Unauthorized transactions : XX/XX/2023 Store Purchase XXXX XXXX XXXX, CA XXXX - {$41.00} XX/XX/2023 Store Purchase XXXX XXXX XXXX, CA XXXX - {$38.00} XX/XX/2023 Store Purchase XXXX XXXX XXXX, CA XXXX - {$40.00} XX/XX/2023 Store Purchase XXXX XXXX XXXX XXXX CA XXXX - {$40.00} XX/XX/2023 Store Purchase XXXX XXXX XXXX, CA XXXX - {$120.00} XX/XX/2023 Store Purchase XXXX XXXX XXXX, CA XXXX - {$28.00} XX/XX/2023 Store Purchase XXXX XXXX XXXX, CA XXXX XXXX {$55.00} XX/XX/2023 Store Purchase XXXX XXXX XXXX, CA XXXX - {$42.00} XX/XX/2023 Store Purchase XXXX XXXX XXXX, CA XXXX - {$35.00} XX/XX/2023 Store Purchase I did not Authorize Transactions from : XXXX XXXX nor have I recieved anything form : XXXX XXXX, I contacted XXXX they said they could not help and for me to make a claim with my bank. 
Thank You, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
This is a violation of 15 U.S. code 1681i ( 5 ) Removal of inaccurate/invalidated credit information. Please remove immediately This {$220.00} debt was already paid to XXXX XXXX and the equipment was retured. I did not receive any letters stating collection alert.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My identity has been compromised due my belonging being stolen and also through the XXXX data breach and my credit has been negatively affect. I've sent documents to get this fixed but had no luck. I can try and get prior police reports beside the current one I've filed. These are not my accounts. 
Account : XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX 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 explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CO

Complaint narrative:
This account is not mine- I talked to the company directly and they still haven't deleted it. I filed a police report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: NY

Complaint narrative:
I have been struggling to get this negative account off my credit report. I have report this fraud, contacted original creditor and I am still not seeing any results. The account name is XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I never knew anything about this account until I found out it was reporting o my consumer report. I had found out that it was attached to an address that was my ex boyfriends. I had just got results from getting the address that was not mine off my consumer report. I am still seeing this negative account and I would truly appreciate it if you can assist me in getting this negative account removed.

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 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo charged me thousands in overdraft and non-sufficient funds fees. Also when I would cash it deposit a check, they held my funds for days to weeks.

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 2023-05-09 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: GA

Complaint narrative:
You are in direct violation of the fair credit reporting act XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as a late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.

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 2023-05-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You are in direct violation of the fair credit reporting act XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as a late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : # XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX ) XXXX Experian : XXXXXXXX XXXX XXXXXXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2023-05-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: IL

Complaint narrative:
Despite several written requests, the following accounts are still reported as 90 days late in 2019 and are in violation of Federal Law. I'd like to point out that Experian and XXXX stated in writing that they verified that these items are being reported correctly? Who verified these accounts? I have attached Case ID XXXX, a detailed report from XXXX showing that the following accounts are not past due and were never 90 days past due : Creditor - XXXX, Last four digits of account numbers- # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX. Please update all of my Student Loan Accounts and remove the late payments.

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