vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX Account number XXXX Credit card Date opened XX/XX/2017 Status Paid, Closed. 

I opened a secured credit card with XXXX XXXX XXXX and deposited XXXX dollars to open the account and the credit line. After having the account for close to a year, I called and let them know I needed to close the account, and eventually went into the location and requested the card be closed and the secured funds used to close the account. The entire purpose of getting the secured card was to build credit and increase my credit scores. Sometime after the accounts were closed I got a ding on my credit report stating that the account was late. I worked exhaustingly through phone calls to ensure this did not happen as I was closing the account, and it still happened. I would like for the late payment to be removed from this account and to be reflected across all 3 credit bureaus. The account should also not show over limit because this is part of the misunderstanding on the final payment. It was paid in full and closed. I was working actively to protect my credit and it was my understanding that XXXX was working with me in this goal as well.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My personal credit information is not reporting on XXXX XXXX XXXX Equifax and it is not allowing me to obtain credit.

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 credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I always paid on time that's why this is ridiculous.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Property was seized by Chase and my family was removed by the police. 
Told the police they were holding an auction of my property that weekend. 
I was told by the police that if I was seen on the property, I would be arrested for felony trespassing. The auction never happened, but I still do not have access to. The property. 

Chase property management took control of the property. 
They changed the locks and never came back, allowing the furnace boiler and heating pipes, and radiators to burst. 
The building inspector has removed the certificate of occupancy and instructed me to demolish the house. 

I have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX Bank of America took over {$1100.00} out of my account with no notice in any way by allowing someone named XXXX XXXX to make fraudulent XXXX claims that he didn't make transfers to my account in XXXX XXXX. This almost caused me to get evicted. Bank of America also made it extremely difficult ( over 10 hours on phone in 1 week ) telling me non stop that I will not get my money back, finally someone allowed me to send in text message proof. This person ( XXXX XXXX ) made claims of over $ XXXX between myself and 2 other people due to him losing his job and essentially making tons of false claims to try to get as much money as possible. I luckily had text message proof that I provided to get my funds back. Once I received my funds, weeks later in XX/XX/XXXX my account was frozen for 5 days around XX/XX/XXXX leaving me stranded with NO MONEY also causing tons of NSF/Returns from outside merchants. One in particular was my XXXXXXXX XXXX XXXX XXXX. It was closed due to returned payments bc of Bank of America 's negligence. I have requested time and time again proof that XXXX requested from Bank of America and they still ignore my requests and refuse to assist.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I booked a hotel, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX, on XXXX on XXXX XXXX for XXXX XXXX, XXXX  using my PayPal Synchrony Bank Mastercard. An amount of {$130.00}. 

Upon arrival, I discovered the room to be completely uninhabitable : XXXX. Cigarette burns on sheet XXXX. Box spring has bedbugs XXXX. Furniture defaced with graffiti XXXX. Sofa broken and unsafe for sitting XXXX. Deadbolt missing, super-unsafe especially for the bad neighborhood XXXX. Door had hole in it XXXX. Toilet was clogged and full of XXXX After discovering this, I decided not to stay the night, because it was unsafe, unsanitary, and completely unlivable. 

I did not stay in the hotel at all. 

I asked for a full refund from the hotel on the very same night of check-in, as well as from the booking site ( XXXX ), but I was denied for a refund, despite never staying. 

I filed a chargeback, and despite my documented evidence ( photos, emails, receipts, etc. ), the bank sided with the merchant. 

I want CFPB to investigate this case for me, thank you.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.

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: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I am trying to review all of my current and past account and was requested statements from Barclays they keep giving me a run around. I tried calling in numerus times to order the full statements for this account and they will not send them they just sent me one month. When I received them and called back again to try to reorder them I got a call from " manager '' saying they couldn't help me. I then received a little saying the samething.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
American Express openly advertises that it will approve a person applying for business and personal credit if that person has a XXXX XXXX, has an income of at least {$3000.00} a month, and verifies these items. I confirmed all of these items. 

American Express asserts that it accepted full payment of its accounts from me over seven years ago. 

American Express declined me today for information that is not on my credit report and outside its advertised guidelines. This is discrimination, bias, and an Equal Credit Opportunity Act violation. As a XXXX American, I have been denied access to credit based on my race and zip code, as identified in my application, and not my creditworthiness, income, and credit score, all exceeding American Express requirements.

I request that CFPB include this complaint and inquiry into American Express activities and why long-settled items are included in an evaluation of credit outside of the statutory period and contrary to the ECOA.

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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
Experian is in clear violation of FCRA. This is my XXXX and final demand for deletion. If Experian is unable to successfully resolve this matter, then I intend to file suit in accordance with federal FCRA violations. On XX/XX/2023, a binding release was executed by myself and the other party in the matter. The other party notified Experian that the alleged account was null and void. They also requested deletion from my report. 

I allowed 60 days to pass... Still no deletion. On XX/XX/2023, a subsequent request for deletion was submitted to Experian by the Creditor. The submitted request, again, indicates that there was a reporting error by the creditor and that the account should not appear on my report. 

This has taken over a year to try and resolve. 

Violations include : -Continued negligence and non-compliance in regards to Sections 616 & 617.

-Code 1681 ( a ) ( 4 ).

-Section 611 ( 5 ) ( A ) - Failure to delete information that Experian can not /did not verify.

-Experian 's failure to provide true and correct Validation Documents regarding how the validation was obtained.

-Experian 's failure to provide the name of the individual at Experian who verified the accuracy of the account. 

I'm demanding that all accounts listed in the attached correspondence be immediately deleted from my Experian 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 non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: COLLECTIONS USA, INC.
State: GA

Complaint narrative:
My rent was paid up through XX/XX/2022. I sent certified letter stating I would not be renewing my lease and gave a date when I would vacate the property. I tried to notify by phone when I was bringing the key because they were closed when I got off work and I moved and worked a hour away. The number was disconnected so I sent another certified letter and XXXXXXXX XXXX received both certified letters. I gave proper notice. I should not be charged rent and utilities for 11 days because I didnt return the key for 11 days. They were notified when me and my things would be gone. I left the apartment clean and rent paid up till the XXXX. I was never late paying anything.

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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have wrote Experian XXXX of this year by certified mail and by phone I was told these fraudulent accounts would be removed from my account by it still appears on my report I have submitted my police report and my ftc report and they will not respond to me with results

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 — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
I checked my credit to see an account from JEFFERSON CAPITAL SYSTEMS for XXXX XXXX in the amount of {$440.00}. I have no knowledge of this account as I am active military and deployed overseas.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Since XX/XX/2023 I have made several attempts with XXXX, Tel : XXXX and on XX/XX/XXXX & XXXX, XXXX  at XXXX to have my credit files unfrozen so that I can review my FICO score and credit report. 

I was routed to a call center in the XXXX which I find appalling considering I have already been the victim of identity theft, and it is a known fact that the XXXX is a hotbed for identity theft. Why is my credit file outsourced to the XXXX? 

Despite repeated calls, I am still unable to obtain both my FICO and credit report from XXXX. I can not speak with anyone in the United States, or at a corporate level to resolve the issues. 

I need help as I am a XXXX 100 % Service-Connected XXXX XXXX Veteran and this is tantamount to elder abuse. 

Sincerely XXXX XXXX XXXX XXXX

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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 





4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX, LA XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, LA 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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My personal credit information is not reporting on Trans Union XXXX XXXX and it is not allowing me to obtain credit.

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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act The XXXX  Accounts Listed On The Documents, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
On XX/XX/2023, I paid for a room at the XXXX XXXX XXXX XXXX, NC, XXXX through XXXX. I have attached the first CFPB complaint which was closed with nothing being done as of this date. CFPB Complaint # XXXX was also closed with nothing being done as of this date. The reason XXXX ( XXXX ) separate complaints were filed was this writer failed to include Bank of America in the first complaint so I filed a separate complaint. Both complaints were closed with no outcome and I have not received a refund from either, Bank of America, XXXX XXXX, or 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: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX I received multiple phone calls from my bank stating someone was attempting to transfer money in amount of XXXX dollars using the XXXX feature. It didnt sound right so I hung up on them and immediately called my bank fraud dept and told them this and to please freeze my account and do not allow any money to transfer out. They transferred my savings into another account in correct amount. I thought I was safe. The next day the transfer went through. This amount put me well over the actual limit that is allowed for the mos. I believe a Wells Fargo employee could be involved with this. No one can explain to me how this happened and my bank is refusing to refund my money. Wells Fargo is not protecting my money.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 




there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation