vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is showing XXXX XXXX Credit Card as a " charge off '' when that account was SETTLED and PAID. Showing the account as a charge off is INCORRECT and fraudulent. Who the XXXX is in charge of TransUnion? XXXX XXXX? It is beyond ridiculous that I have to keep filing complaints against this stupid credit reporting agency that wields so much corrupt power over consumers.

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I never really bothered with my credit let alone check my credit due to me just now becoming a young adult and actually understanding how important credit is. I've never really made big purchases or made payments on anything until my adulthood began. I am now aware that items have been showing up on my credit like my student loan which began in XXXX. I also recently got a car last year which shows on my credit. And of course when wanting a car you must know what your credit is so that you are aware of what to search for. So once I received my credit report, I noticed that there were an outrageous number of errors in inquiries and accounts opened in my name, beginning way back from when I was a freshman in high school. With that being said, I contacted all XXXX credit unions and spent lots of money just to get letters sent out to them to dispute all of the unknown accounts and inquiries. There was even a major loan open on my credit in XXXX, meaning that I would have been XXXX XXXX XXXX opening a loan in my name which is likely impossible. So as I stated I reached out to each credit bureau, all of their responses were as if they were automated basically telling me that they could not dispute the inquiries and accounts that I requested to be disputed. I have been trying to get these things removed for over 6 months, still spending money by sending letters certified mail trying to receive proof from the credit bureaus of where I signed or anything to show that the accounts belong to me ( in which they do not ) I have received no luck, no successful responses. Within the months that I've been trying to clear the unknown on my credit I have only been able to successfully dispute XXXX item and was able to have my name correctly spelled on there. I am quite familiar with the law, so I even demanded that they ( the credit bureau ) pay me {$1000.00} due to their violations and me having that right according to the Fair Credit Reporting Act and 15 USC 1681n. To whoever is reading this I am quite sure you know how important credit is. With my credit score being so low due to all of these unknown accounts and inquiries just sitting there, it is holding me back from getting approved of literally everything. I am asking for help please, I have spent too much money on trying to get this resolved and have no success at all.

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I never really bothered with my credit let alone check my credit due to me just now becoming a young adult and actually understanding how important credit is. I've never really made big purchases or made payments on anything until my adulthood began. I am now aware that items have been showing up on my credit like my student loan which began in XXXX. I also recently got a car last year which shows on my credit. And of course when wanting a car you must know what your credit is so that you are aware of what to search for. So once I received my credit report, I noticed that there were an outrageous number of errors in inquiries and accounts opened in my name, beginning way back from when I was a freshman in high school. With that being said, I contacted all 3 credit unions and spent lots of money just to get letters sent out to them to dispute all of the unknown accounts and inquiries. There was even a major loan open on my credit in XXXX, meaning that I would have been XXXX XXXX XXXX opening a loan in my name which is likely impossible. So as I stated I reached out to each credit bureau, all of their responses were as if they were automated basically telling me that they could not dispute the inquiries and accounts that I requested to be disputed. I have been trying to get these things removed for over 6 months, still spending money by sending letters certified mail trying to receive proof from the credit bureaus of where I signed or anything to show that the accounts belong to me ( in which they do not ) I have received no luck, no successful responses. Within the months that I've been trying to clear the unknown on my credit I have only been able to successfully dispute one item and was able to have my name correctly spelled on there. I am quite familiar with the law, so I even demanded that they ( the credit bureau ) pay me {$1000.00} due to their violations and me having that right according to the Fair Credit Reporting Act and 15 USC 1681n. To whoever is reading this I am quite sure you know how important credit is. With my credit score being so low due to all of these unknown accounts and inquiries just sitting there, it is holding me back from getting approved of literally everything. I am asking for help please, I have spent too much money on trying to get this resolved and have no success at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
A savings account under my name was opened on XX/XX/XXXX fraudulently. I have previously used Bank of America and cancelled all my accounts there in XXXX to switch to XXXX XXXX. The account was opened for a Bank of America SafeBalance Banking and the last XXXX digits of the account were XXXX. I had called Bank of America about this account being opened under my name and they had no answer.

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 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
2 payments have not been applied to my Barclay account as of XX/XX/23. 
1 : XX/XX/23 of XXXX 2 : XX/XX/23 of XXXX I have both canceled checks. The company decided to lower my available credit in XXXX to near what my balance was from XXXX to XXXX. I was never late and always paid more than the payment. When I called to ask they said that I had too much credit overall in personal loans despite my credit score of XXXX, even though the amount to balance ratios of my credit accounts were well under 22 %. They would not reconsider, so I had the payment amount from the XXXX payment that had not been applied yet deducted from what at that time I was informed of what my total balance due was and opted to pay off the remaining balance that day. I also received another statement showing an additional balance due which was the total of the payment reflected in the XXXX payment. I figured they would reconcile their accounts and issue a refund and didnt want to be bothered with speaking to or dealing with them again. Today I received a call stating that I was past due and the amount due was more than XXXX. Something is going on with this company, I had been a customer with them for 10 years and never had a late payment issue, but I do not want to be a victim of their negligence and end up with having to dispute erroneous credit bureau reporting. 

Dispute # 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 2023-07-12 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: TN

Complaint narrative:
For some time I have attempted to correct issues with XXXX XXXX XXXX. This was after I submitted a fraud report. Incorrect information is still appearing on my report. They have claimed not to receive the disputes after they were submitted. The disputes are for identity theft/fraud. The individual listed on the accounts is deceased and has been for decades. I sign my legal documents a certain way and no proof has been given that this was debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I have an XXXX XXXX XXXX XXXX  with Bank of America. I have a balance transfer balance and I use the card for monthly purchases. The balance transfer balance has a 0 % interest rate for the duration of the promotion which is XXXX, 2024. I pay the monthly minimum for the balance transfer promotion and I pay in full my monthly purchases by the due date shown on the statement. I called BofA and the rep stated I am charged interest on the monthly purchases despite paying the balance in full because I made the payment after the statement closed. I said " of course I paid after the statement closed and before the due date. This is how I know how much to pay! '' The rep said I need to look online a day before the statement closes, see how much in purchases I made, and make that payment a day before the statement closes. I asked " what if there are pending charges, etc ''. The rep replied " pending charges won't show on the closing statement. 

This is bizarre, should be illegal, and is simply a way for Bank of America to collect interest charges. NO ONE pays their credit card prior to the statement closing date to avoid interest charges. This practice needs to stop.

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 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase-my account has checking and credit card. Checking was closed with no reason. They said it was negative and cant be negative more than 60 days and my account had no movement for months. But I had my direct deposit coming in every 15 days. So I asked them Id like to pay for the negative amount that I owe you so I can have access to my statement. They said the amount was XXXX now because the couple of direct deposit bring them to positive so they closed it. Until now I sincerely dont understand why did they close my account and never give me a statements. For chase sapphire credit card - I just closed it this year XXXX. I missed a few payment so my credit score went bad and credit card was closed since XXXX kept account open to pay the debt and interests. I asked them about the coronavirus fee relief and I never be able to waive a single cent. I paid off my credit card with interest and fee. Same issues occurred but this time my login was block I couldnt log in to my account. Call them to be ask for full credit card info that I was closed in XXXX or account number that I had only last 4 digits. I try to get my information to be told that my account was locked due to fraud transactions. What? My credit card was closed by chase, I only paid during the time after it was closed. I couldnt use any credit on that card even if I paid off. Now my accounts was ban from fraud transactions. Need full credit card numbers of over two years ago card, full acc number when I have left was last 4 digits of my account number on my email, ssn is not allowed to be used for searching at the time. Statements will be paper released only if I provided 16 digits number card or account. Chase what are you afraid of? Or hiding? The number never lie, I paid off by sending fund from another account. The day I asked you to waive late fee because I was short about {$10.00} from over {$200.00} minimum payment. Your customer service said only {$10.00} I should have no problem. She did great though to remind me {$10.00} was lower than my minimum wage for an hour and I would definitely be charged if I failed. I dont know how to say it so I hang up. Just want to explain I was laid off suddenly late XXXX, XXXX payroll records. All my last paycheck was used to paid credit card XXXX XXXX, XXXX, and chase credit account. I can borrow from friends and family but I did that before and not really proud of it. Charge me if you think it is necessary it is just gon na take me a day longer to pay you off. Never claimed unemployment nor plan to claim it. That was the message I want to tell her.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Southeast Auto Financial Services, LLC
State: MS

Complaint narrative:
I have already filled one complaint with this agency about the same transaction but because there is so much and it falls under several separate categories I dont know how else to do it. I have recently had to go look through my paperwork for my car loan and I was never given the actual financing terms or a copy of my loan agreement. I have been paying on my loan since 2019 and I have never even received a statement telling me what my balance is or my terms on my loan are. The paperwork I was given is just the price of the car my down payment and the taxes and different mandatory special financial add ons I had to buy. I was told I had to bring in a deferred down payment because I couldnt afford it at the time and like I stated earlier I never received a copy of my loan agreement. I just had a huge discrepancy on the amount that is listed on my credit bureau and the amount I received from my loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Did not receive any letters from ALUDOUS. Asking to dispute this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
After over a year of trying to dispute this I am at a loss. Portfolio recovery services still has fraud listed on my credit report. They have claimed to send me court documents which is wrong. No court documents were ever received with my name on them. I went to the court and explained all this. The court agreed. I have submitted fraud claims as Portfolio requested. Delivered the information as they requested. I want these items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: TX

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-07-13 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: TX

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
investigate to see if i am owed any double overdraft fees my account no longer 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 explanation
Consumer complaint received 2023-07-12 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: TN

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 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, 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 an 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I fell victim to the Bank of America Scheme. I filed a report with fed agency that oversees banking. I deposited a check into BOA and they released the funds then placed a hold on it and I overdraft the account. The check showed cleared so I began to pay bills then the next day I look and the check has an additional 30 day hold on it and overdrafted my account forcing me to pay. The check was a certified check from my lawyer from a settlement I had won. I called the bank of the issuing bank and it had cleared the account but yet Bank of America withheld my funds for 30 days. They even charged me overdrafts.

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