vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
I left an employer with a XXXX at Bank of Oklahoma Financial Services. After XXXX days BOK sent me a letter of correspondence stating that if my account was less than {$1000.00} they would be sending a disbursement to me to close the account. On XX/XX/year> I checked my balance and a disbursement had been made for {$970.00}. I have never received these funds so I sent in a message asking what happened to the funds. I was told it was transferred to an XXXX  at Bank of Oklahoma Bank. I do not want to have multiple XXXX accounts all over the place and that is why I did not respond to the correspondence because it said anything less than {$1000.00} would be disbursed to the participant. I sent another message reminding them of their correspondence and to correct the error. They replied that my past employer made them put the money in an XXXX  and I know that is not correct as a former employer. This was not truthful and was a way to try and get me to do something different. I would like the money disbursed to me to put in my other XXXX and I am not paying a penalty for pulling it out of their CD early. I have been in banking for over XXXX years and this was blatant misrepresentation to what would occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: MA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Thank you so much!.

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 2024-08-27 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: KY

Complaint narrative:
Reached out to company - I am writing to formally file a complaint against XXXX XXXX regarding XXXX credit card accounts that have resulted in a combined debt of nearly {$3000.00}. I believe that these debts are inaccurate, and despite my efforts to resolve the matter directly with XXXX XXXX, the issues remain unresolved. 

Background The XXXX XXXX XXXX accounts in question are as follows : XXXX. Account Ending in XXXX XXXX. Account Ending in XXXX I initially became aware of these debts in XXXX when I received notification from XXXX  XXXX that these accounts were in default and that I owed a total of approximately {$3000.00}. I promptly disputed the validity of these debts and took the following steps : Actions Taken 1. Debt Validation Letters : On XX/XX/XXXX, XX/XX/XXXX I sent debt validation letters to XXXX XXXX for both accounts, requesting detailed information and documentation proving the legitimacy of the debts. Despite being within my rights under the Fair Debt Collection Practices Act ( FDCPA ), I did not receive a satisfactory response from XXXX  XXXX. They failed to provide the requested validation, leaving me with unresolved concerns about the accuracy and legitimacy of the debts. 
2. Communication Attempts : I have made multiple attempts to communicate with XXXX XXXX  customer service department by phone and in writing. In these communications, I consistently requested that they validate the debts and explain the charges leading to the balances. Unfortunately, my requests were either ignored or inadequately addressed, and the debts continue to be reported on my credit report. 
XXXX. Negative Impact on Credit : The continued reporting of these disputed debts by XXXX XXXX has significantly impacted my credit score. This has made it difficult for me to obtain new credit and has caused undue stress and financial strain. 

Request for Action Given the above, I am requesting that the Consumer Financial Protection Bureau investigate XXXX XXXX  handling of this matter. Specifically, I ask that you : XXXX. Investigate the validity of the debts reported by XXXX XXXX. 
XXXX. Require XXXX XXXX to provide clear and comprehensive documentation proving the legitimacy of the debts. 
XXXX. Instruct XXXX XXXX to remove the debts from my credit report if they are unable to substantiate the charges. 

I believe that XXXX XXXX is engaging in unfair and deceptive practices by continuing to report these unverified debts, and I respectfully request your assistance in resolving this matter. 

Thank you for your attention to this complaint. I look forward to a prompt and fair resolution. Please feel free to contact me if you need any additional information.

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 2024-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have sent Transunion, XXXX, and XXXX letters by mail demanding for deletion of inaccurate information on my consumer reports. I have also sent these companies FTC reports as well because I am a victim of identity theft and furthermore this is not my first complaint about this type of situation more like the XXXX time this year. when asked for removal accompanied by the law that would back the removal of unauthorized information, the companies would send a debt validation notice then go on to say that removal would not be indited causing great stress and suffering on my behalf. these companies keep negative information on consumers reports delaying efforts to report accurately when suggested. sounds like identity theft to me. Then when a complaint is made they never fix everything only some things are fixed but not all of them. I have filed more than XXXX complaints for these companies to fix the information that was inaccurate and they still have not! Sueing them would be the best option!

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 2024-08-27 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: MA

Complaint narrative:
You are reporting Inaccurate information in consumer reports concerning me that you have compiled and published to third parties. The following XXXX  items are inaccurate. 

Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX The inaccurate that you are reporting concerning me is harming me personally, emotionally, and financially, and causing me damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2024-08-27 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: FL

Complaint narrative:
Creditor Information XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Im not aware of this debt of {$1600.00}. I never signed a payment agreement with this company. Please show me my signature or remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Creditor Information XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Im not aware of this debt of {$1600.00}. I never signed a payment agreement with this company. Please show me my signature or remove from my 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 non-monetary relief
Consumer complaint received 2024-08-27 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: MA

Complaint narrative:
You are reporting Inaccurate information in consumer reports concerning me that you have compiled and published to third parties. The following tradeline items are inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The inaccurate that you are reporting concerning me is harming me personally, emotionally, and financially, and causing me damage.

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 2024-08-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TX

Complaint narrative:
Was given an option in Cash App to use their service to break a large payment into XXXX smaller payments. This loan was then denied and I was told I could request reasons for decline and the personal information in my report they used or had in their records by writing to their address. I did so, and enclosed a copy of the letter and requested the information. I received a letter asking for more information because my account could not be found. I replied by letter and included another copy of the letter they sent me. I just received a XXXX response from them asking for the same information when it's been provided and included a letter I received connected to this account but the company is refusing to provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I tried to Transfer money from my chime credit builder account to my chime debit account when the money was transferred Im supposed to receive a email notifying me and which I did not, then we tried to transfer the funds to my wifes bank account we kept getting errors and was kicked out of the account, when we logged back into the account the money was gone and my account was negative again, and they provided the transfer ID but will not give any other information regarding the money they just keep saying there is no money, since XXXX we have been requesting a card for this account and we would never receive it, we would call and they would tell us a different date to review the card when we didnt get it my wife opened a account and we tried to wire it to the account as well as a instant transfer they have been giving us the run around since XXXX when we logged into the account there was no history or transactions in the feed and they will not tell me why

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital Systems appeared on my credit report on XX/XX/2024 for a XXXX collection. I have never done business with XXXX XXXX. I believe I am a victim of identity theft. I've never received any letters from this company nor XXXX saying I had an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: MO

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 2024-08-27 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: CA

Complaint narrative:
My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello and thank you so much for taking the time to help out, I really appreciate it! 

I love that Bank of America overdraft is only {$10.00} so first wanted to give positive feedback on that. 

I did want to please reach out and see if I maybe eligible for a courtesy waiver of a handful of the overdraft charges my account has? 

I understand how overdraft works and dont mind being responsible for some of these however I wanted to please ask as a courtesy to have some of these waived? 

Thank you so much!

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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My social security on my XXXX credit report is incorrectly listed. There are two social security numbers showing the last four digits, which are both incorrect. 

There were three credit cards ( XXXX XXXX, XXXX XXXX, and XXXX XXXX  ) opened under my name without consent or authorization. I have disputed each on all three credit reports without success. I have notified the Credit Card companies without success. I am a XXXX retired widow living on a limited income. I receive XXXX benefits and can not afford to accrue credit card debt. 

I've put a freeze on all three credit bureaus and have filed multiple disputes. I'm informed these dates are accurate, so it does not appear I have any recourse. These charges have caused me anxiety and distress, which exacerbate symptoms of my physical health issues. 

I am asking for support and assistance to have these unauthorized credit cards removed from all three credit reports. 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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My social security on my XXXX credit report is incorrectly listed. There are two social security numbers showing the last four digits, which are both incorrect. 

There were three credit cards ( XXXX XXXX, XXXX XXXX, and XXXX XXXX ) opened under my name without consent or authorization. I have disputed each on all three credit reports without success. I have notified the Credit Card companies without success. I am a XXXX retired widow living on a limited income. I receive XXXX benefits and can not afford to accrue credit card debt. 

I've put a freeze on all three credit bureaus and have filed multiple disputes. I'm informed these dates are accurate, so it does not appear I have any recourse. These charges have caused me anxiety and distress, which exacerbate symptoms of my physical health issues. 

I am asking for support and assistance to have these unauthorized credit cards removed from all three credit reports. Thank you

Company response to consumer: Closed with non-monetary relief