vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-11 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: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I logged into my online Chase accounts and discovered that the bank has been charging me {$25.00} fees since XX/XX/XXXX for 2 savings accounts ( which were opened over 10 years ago ) that fell below balance of {$3000.00}. The representative said there were fine print that indicated such fees would be charged should the account balances fall below a certain amount. I was not aware of this and I did not receive any notifications of the charges. As such, my accounts were deducted for a total {$400.00} without my knowledge. Since I called, the bank only reversed 1 fee charge per account but did not reverse any of the prior remaining fees that were charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Recently I realized that I was no longer receiving any W.Fargo mail. Upon my investigation- my account address had been changed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This is the address that is always used by the identity thieves. My current address which should be the only address used at each department with W.Fargo is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX It bothers me greatly that it seems as if these identity thieves can get anything done with W.Fargo they wish to. W.Fargo is a " gold mine '' for identity thieves. W. Fargo is an easy target for identity thieves, with little to no chance of prosecution Yet the W.Fargo customer reaps the consequences of these careless mistakes. Loss of money, loss of hundreds and hundreds of hours of time- and this is just a start. But at the same time, as I am actually the W.Fargo customer, I get the door slammed in my face, everything I try to get help from W.Fargo- in correcting the careless mistake made by W.Fargo!!!!

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 2024-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have asked for validation of debt, purchase agreement saying to could collect. Chain of custody paperwork. All I received is a letter stating due to statue of limitation expiring they cant sue. Im trying to get this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/2023 I discovered my XXXX Chase credit card was missing. Upon contacting Chase I learned that fraudulent transactions were attempted to include {$15000.00} for a XXXX XXXX XXXX XXXX XXXX XXXX  ) followed by {$6000.00} at XXXX XXXX. Despite the uncharacteristically large size and content of this purchase Chase accepted the first transaction at XXXX ( while declining the second at XXXX XXXX ). Only in the second case did Chase make an attempt to flag the purchase ( by sending me an email which I didn't discover until much later ). Chase let the first transaction go through unchallenged. Chase subsequently conducted a series of investigations to determine if fraud had occurred - the negative results of which contradicted the opinion of the XXXX store XXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is a formal complaint of your non-compliance with FCRA 611 ( a ) ( 6 ) ( A ) under the provisions of FCRA 611 ( a ) ( 1 ), you are required to have conducted a reinvestigation of my dispute filed via CFPB XXXX XXXX XXXX and your agency acknowledged receipt on XX/XX/ and was to have concluded that reinvestigation within 30 days of your receipt of my dispute, under the provisions of FCRA 611 ( a ) ( 6 ) ( A ), you are required to have provided me with written notice of the results of your investigation within 5 business days of the completion of your investigation.

To date, I have received no notice of results of your investigation.Since the statutory periods have expired, I consider you to be in violation of the cited sections of the FCRA.

Based on your failure to verify the disputed information, you are required under section 611 ( A ) ( 1 ) to immediately delete the disputed information from my credit file. 

Thus, my complaint will be satisfied by timely deletion of the disputed information. 

I am contemplating filing a formal complaint with the FTC for your violation of your reinvestigation requirements. 

I would prefer to forgo such a complaint provided that I receive immediate notice of your results of your reinvestigation or deletion of the disputed information on my credit file. 

Based on your failure to timely complete your reinvestigation and provide notice to me, I additionally request, under the provisions of FCRA 611 ( a ) ( B ) ( 6 ) ( iii ) and FCRA ( A ) ( 7 ), that your notification of the results of your reinvestigation also include a description of the procedures used to determine the results of your investigation.

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 2024-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am posting this proof of judges ' corruption ( XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) and criminal activity on the public record for people to see how deep is the fraud on New Jersey State. I know no one is going to help my family since it is easy for the courts/bank to steal my family 's home instead of provide justice and do what's right. 

XX/XX/year> - The bank confirmed that they are the servicer for the account which is assigned to XXXX XXXX. The bank has no standing to foreclose. 

XX/XX/year> - Appellate Court Judges XXXX XXXX XXXX and XXXX XXXX XXXX XXXX denied my appeal without any explanation, bases for the denial, and without examination or finding of legal error. Appellate Court did not exercise its discretion and did not perform its duty.

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 2024-02-11 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: SC

Complaint narrative:
I have called and disputed online the incorrect addresses that continue to show up on my credit report. I have reported these inaccuracies with no resolution. Under FCRA 15 USC 1681 as a federally protected consumer I have a right to fair and accurate information. The following addresses need to be removed from my report as they are non mailable. Additionally as a victim of identity theft more than once and the data hacks that have occurred at all of the credit agencies it is imperative that the only thing listed in my credit file be current information. I know that the credit agencies obtain information from their affiliates and other 3rd parties like themselves but it is my right to say what can and can not be listed on my consumer report. The following addresses need to be removed immediately, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX again these addresses are non mailable and I have a right to fair and accurate information. Additionally the only name that should be listed in/on my credit file is XXXX XXXX XXXX Any other variation is not permitted nor authorized by me.

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 2024-02-11 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
During the pandemic bofa lost XXXX  of unemployment money. This cause me to losey car and now when I call them keep send me back and forth through departments

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 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied the demanded proof of the alleged debt.Under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, in fact exists

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 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied the demanded proof of the alleged debt.Under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, in fact exists

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 2024-02-11 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: FL

Complaint narrative:
I have not supplied the demanded proof of the alleged debt.Under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, in fact exists

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
In XX/XX/XXXX, I traded in my Nissan Lease. Nissan Motor Acceptance neglected to close out my lease account until XXXX months after I traded the car in. The account was paid in full and closed. Nissan reported on my credit report that I was XXXX days late and then XXXX  days late in XX/XX/XXXX. But this is inaccurate. I traded the car in XX/XX/XXXX and it was paid in full and the account closed. When I called the Nissan dealership, they reported that they forgot to complete the paperwork in a timely fashion. However, years later, I notice that they confirmed that this information was correct when I disputed it with the bureaus ( this is according to the bureaus who reported that they conducted an investigation ). This is a technical error that they have refused to fix. I've attached a screenshot that Nissan is reporting my account XXXX days past due in XX/XX/XXXX. Also, the is a screenshot of the account that was an auto loan opened with XXXX XXXX XX/XX/XXXX. I attest and swear that I did not have two cars in XX/XX/XXXX. As you can see, the new auto load starts XX/XX/XXXX when I traded in my old Nissan. It was a smooth transaction and there were no complaints from me because I was able to get financing for another vehicle at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I contact this company to aware them of late payment reporting on my account and ask if they can removed this inaccurate reporting. The company inform me that since the account was closed there was nothing they can do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 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: TX

Complaint narrative:
I am writing you this notice as a follow up for my previous notice sent 43 days ago from the date of this letter, to disputefraudulent unverifi able information on my credit report. The information you are reporting is inaccurate is resulting fromidentity theft. 
The following addresses listed on the letter which appear on my credit file does not relate to any addresses I have lived at.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and I've attached a copy of my report to this complaint on the following dates : XX/XX/2022 and XX/XX/2022. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES INC claim i owe them a debt i don't. 
I have no agreement with them the information they are providing is incorrect such as the amount owed an the account number are not correct This is negatively affecting my credit with the wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I reached out to them and was told they were not sending me anything and I will soon be brought up on charges and arrested in regards to this account also called me out of my name and said niggas like me never pay anyway laugh and hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On Sunday, XX/XX/2024, I was trying to purchase XXXX XXXX tickets when I saw an advertisement on the reservation page for a AAdvantage credit card from Citibank. If I applied and received immediate approval, I could use the credit card for the flight purchase and receive a number of benefits, including priority boarding, no baggage fees, etc. 

I applied for the credit card and got immediate approval. HOWEVER, the credit card number was not shared in an email or on the Citicard website. I am unable to use the card to make this payment. Therefore, I can not get these benefits which were promised in the advertisement on the website. I spoke to XXXX different offices and was told I have to wait 7 to 10 days for the physical credit card to arrive before I can use it and receive these benefits. I can not wait the 10 days as the trip is coming up shortly. 

In addition, when I went back onto the XXXX XXXX page to make the flight purchase, the flight prices rose ( just 1.5 hours later ). This is for the exact same purchase.

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 2024-02-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I initiated communication with Bank of America by sending a letter requesting them to opt me out of reporting for account number XXXX. Regrettably, not only did they neglect to fulfill my request, but their response was unrelated to my original letter, which explicitly asked for opting out of reporting. I have attached the original opt-out letter along with their response, two documents providing opt-out laws and their definitions, and a copy of the account details from all three reporting agencies. The documents reveal several inaccuracies present in the reports, and all relevant dates and information pertaining to this complaint have been provided for your review.

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 2024-02-11 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: CA

Complaint narrative:
COMPLAINT AGAINST EXPERIAN AND XXXX, acct # XXXX The debt was sold to XXXX XXXX XXXX. sometime in XXXX. XXXX XXXX retained its attorney XXXX XXXX XXXX, XXXX, to pursue legal action against me in civil case XXXXXXXX XXXX XXXX umber XXXX. The balance was settled in the amount of {$410.00} on XX/XX/XXXX ( settlement letter attached ) This settlement amount was agreed to therefore there is no balance owing. Although XXXX sold this debt to XXXX XXXX, the debt remains to be reported on my Experian credit report which reflect {$710.00} written off although the debt was sold or referred to XXXX XXXX XXXX, a third-party debt collection agency, to collect the debt, which was paid as agreed to. 


Attached are documentation for your review.

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 2024-02-11 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX EMAIL : XXXX PHONE # XXXX TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX I am writing to formally dispute and request the removal of a unauthorized hard inquiry on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. This inquiry has adversely impacted my credit report and may affect creditworthiness. I kindly request that you investigate this inquiry and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. & 1681b ( Permissible Purpose ). 

Personal Information : Full Name : XXXX XXXX XXXX Date Of Birth : XX/XX/XXXX Last XXXX of Social Security Number : XXXX Unauthorized Hard Inquiry Details : Name Of INQUIRY : XXXX XXXX  Date of inquiry : XXXX Permissible Purpose Violation : I believe that the inquiry made by the aforementioned organization were made without permissible purpose as outlined in the FCRA, specifically 15 U.S.C. & 1681b. My interactions with the organization involved clear communication that I authorized a single credit check for a specific purpose. However, they proceeded to make multiple hard inquiries on my credit report which were not in line with the agreed-upon terms.

15 U.S.C & 1681b of the FCRA explicitly defines permissible purposes for accessing consumer credit reports. These purposes include, but are not limited to, credit transactions, employment, background checks, and account review by existing creditors. The organization in question did not have permissible purpose to make multiple hard inquiries without my consent, as these actions are not authorized by law.

If no permissible purpose can be established for one or more of the inquiries, I request that you make the necessary steps to have this inquiry removed from my credit report. 
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 non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have a few charge cards with Capital One and one of them has 2 payments past due. I have been always responsible with my payments, however, as of now I am facing challenges to make payments and I tried to work an agreement to pay them what I can afford. They are demanding certain amount for a 3 months payment plan and I feel like I ran out of options.

Company response to consumer: Closed with explanation