vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
Was charged {$99.00} annual fee on Barclays Aviator Mastercard. Called and requested the fee be refunded and card closed since XXXX XXXX Credit card company has failed to follow through and delinquency has been reported onto credit bureaus. Despite calling for six months, Barclays has failed to submit the proper documentation to waive fee, close card, and remove delinquency from credit bureaus.

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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
See attached dispute notice, police report, and DL.

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 2023-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
3rd month that I am waiting 5 days for my paycheck due to B of A 's new policy that is illegal and actually is not following banking guidelines. See guidelines below. Check coming from same account at same time for 4 years with no issues- like a paycheck should be deposited by next day no issue. 

Funds from check deposits are supposed to be available by the business day after the date of the deposit ( Regulation CC, Section 229.10 ). There are however exceptions that may cause a hold to be placed on the check ( Regulation CC, Section 229.13 ), but the reasons for an exception are clearly stipulated, and none of them apply to my situation, account, or the check in question. BOA, in line with the exception rules states in their Deposit Agreement and Disclosures document ( page XXXX ) that they reserve the right to place a hold on check deposits if : We believe a check you deposit will not be paid You deposit checks totaling more than {$5000.00} on any XXXX day You redeposit a check that has been returned unpaid You have overdrawn your account repeatedly in the last XXXX months There is an emergency, such as failure of communications or computer equipment If these issues are not present, they have not right. What they are actually doing is Usery- they are using our money illegally. 

You have again allowed the bank to put the burden on the people instead of making banking institutions accountable for their shoddy practices. With interest being high they now think that we should wait to feed our families and pay our bills so that they can, a second time, ruin our way of life to make money. 
When is anyone going to step up and fine banks for every mistakes/theft that they make. 
There have been no consequences so far to bad business for banks - how about we change that.

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 2023-11-22 00:00:00
Product: Credit reporting 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have called them on XX/XX/2023, XX/XX/2023, and XX/XX/2023 trying to get access to my account. When I try to log into the website, it says " Sorry, we're unable to process your request right now. Please try again later. ". When I try their app, it gives the same thing with a phone number to call. Calling the phone number gives me a robot to reset my password but resetting my password does not fix the issue. After maybe XXXX minutes of trying to get through the robot, I can finally speak with an agent who also tries to reset my password. Once I can get a word in and give all the details needed, they try to reset my password again which doesn't work. Once that is done, they tell me they will put in an escalation ticket but nothing ever comes from that. So far, I believe I have reset my password close to XXXX times just trying to get access to my Experian account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
These Companies had no authorization for my credir to be ran and do not recognize any of these inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My ONLYphone number is XXXX my ONLY name is XXXX XXXX My ONLY address is XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXXXXXX XXXX XX/XX/2023 XXXX Need fast removal of inquiry off 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 2023-11-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-22 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 demand the XXXX account to be immediately removed off my consumer report, unless there is proof of signature that I did indeed do business with this company, as I have no idea who this company is and have never done business with this company as Ive disputed before. I do not even know what a flex spending account is nor have I ever had one. If there is no such proof then this is consider IDENTITY THEFT and needs to immediately removed no later than 4 days according to 15 USC 1681c-2 Block of Information Resulting From Identity Theft. I will be suing for {$1000.00} per violation per 15 USC 1681n-Civil Liability for Willful Noncompliance .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX continues to violate the law claiming that the information they are furnishing is 100 % accurate and complete, when in fact it is not the case. Again, caught in a lie, I have uploaded the document where they show the balance that is owed. The amount owed on their invoice shows XXXX but on my credit report with Experian it shows {$9200.00}. Clearly, they are not reporting 100 % accurate information, and I demand that they remove the account immediately from my credit report. They continue to play around and justify their incorrect reporting, but it seems that recently XXXX got caught misreporting and tarnishing people 's credit report with incorrect information, straight from the cfpb website. 

https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-toyota-motor-credit-to-pay-60-million-for-illegal-lending-and-credit-reporting-misconduct/ Specifically : Furnishing false data to consumer reporting companies : XXXX XXXX XXXX falsely reported customer accounts as delinquent for failure to make monthly account payments even though customers had already returned leased vehicles, and the company did not promptly correct the negative information it had sent to consumer reporting companies even though it knew it was wrong. XXXX XXXX XXXX also failed to maintain reasonable policies and procedures to ensure payment information it sent to consumer reporting companies was accurate.

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 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
I sent a request to Capital One and all my credit card companies in regard to a hardship. I have increased medical bills due to my son being diagnosed with a XXXX XXXX condition. XXXXXXXX XXXX and XXXX immediately put me on a hardship program that they advised was offered by XXXX XXXX It permanently closed the account and put me on a 60 month repayment program with 0 % interest. However, XXXX XXXX and Capital One refuse to work with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: PA

Complaint narrative:
I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Paid XX/XX/2023 statement ( XX/XX/2023 - XX/XX/2023 ) complete per the balance due ; payment was posted to the account on XX/XX/2023 for the full amount on the statement. 
XX/XX/2023, a valid charge was posted to the account in the amount of {$26.00}. 
XX/XX/2023 statement ( XX/XX/2023 - XX/XX/2023 received with an interest charge of {$2.00} on a balance of {$150.00} as of XX/XX/2023 XX/XX/2023, at XXXX EST and a twenty ( 20 ) minute duration. I was advised that the interest is from the {$36.00} charge that posted to the account on XX/XX/2023. It was clarified to the Bank of America representative that the account per the XX/XX/2023 statement was paid in full as of XX/XX/XXXX, response yes. Clarified again that I am being charged interest of {$2.00} on my XX/XX/2023 statement for the charge that posted to my account on XX/XX/2023, which is after the XX/XX/2023 statement parameters, response yes, I can be charged interest for that charge until it is paid in full. Bank of America can charge interest for the previous two-month statements if the charges are not paid in full. 
I advised that I did not agree with this policy and that I would not be paying the {$2.00} interest fee and would be filing a complaint with the Consumer Finacial Protection Bureau.

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 2023-11-22 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: GA

Complaint narrative:
ON XXXX EQUIFAX RESPONDED TO AN ACCOUNT DISPUTE WITH THE INFORMATION BEING VERIFIED. I CALLED EQUIFAX AND EXPLAINED THAT THE INFORMATION COULD NOT BE VERIFIED BECAUSE THE ACCOUNT IS BEING REPORTED INACCURATELY ON MY CONSUMER REPORT. THE ACCOUNT NAMED XXXX XXXXXXXX XXXX HAS SEVERAL INACCURATE LATE PAYMENTS AND A CONTINUOUS XXXXDAY LATE HISTORY FOR SEVERAL MONTHS WHICH IS NOT ACCURATE. THE FCRA STATES THAT IF THE INFORMATION ON A CONSMER REPORT IS INACCURATE IT MUST BE UPDATED OR DELETED. THIS MISHAP HAS CAUSED ME TO BE DENIED A HOME, PERSONAL LOANS, AND CREDIT CARDS NEEDED TO STAY ALIVE AND WELL. I DEMAND THAT THIS ACCOUNT BE DELETED IMMEDIATELY, I AM NOT REQUESTING A REINVESTIGATION. EQUIFAX HAS HAD THAT OPPORTUNITY ALREADY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing this complaint to CAPITAL ONE there are errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction. I have attached my FTC report with the report number XXXX for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: NY

Complaint narrative:
Ive ask Experian to remove all inaccurate information from my credit report specifically a XXXX loan from the ( Dept of Education XXXX  ) this XXXX loans has been reporting inaccurate information on my credit report for over 10 years now this a violation of 15 USC 1681, 15 USC 1692 ( c ) ( c ), & 15 USC 1692 ( g ) i would like to be compensated {$1000.00} for there violation 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 explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Albert Corporation
State: KY

Complaint narrative:
XX/XX/XXXX  {$14.00} XX/XX/XXXX  {$7.00} XX/XX/XXXX  {$44.00} XX/XX/XXXX  {$44.00} again XX/XX/XXXX  {$130.00} XX/XX/XXXX  {$30.00} XX/XX/XXXX  {$14.00} I signed up for Albert originally for a payday loan type service. Once paid back, the same week they started taking money from my account. It was small amounts at first, like $ XXXX- {$7.00}. I reached out to support to stop taking funds from my checking account. They explained that I turned on the feature, told me how to turn it off and I did. They did not inform me that the feature turns itself back on until a few months later. I have tried numerous times to cancel the service, I have canceled and got new debit cards. It will not let me delete my bank information. They will not let me close the account. I spent an hour on the chat, because they do not offer a phone number, and they charged me again {$14.00} the very next day. Its XXXX, I had to make an appointment for my real bank to close my account because Albert will not stop taking from the account. I told them to keep the money they keep taking and just close the account and not take anymore but they say they cant. They cant close the account until the charges stop pending, but as you can tell they keep taking the funds and the charges will never stop pending.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$930.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$530.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$660.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$560.00} XX/XX/XXXXXXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX  {$0.00} XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

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

Company 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