vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-21 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: ID Analytics, Inc.
State: CA

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. Has Violated my rights. 

XXXX. Account Name : XXXXXXXX XXXX / Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX / Account # XXXX XXXX. Account Name : XXXX XXXX / Account Number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXXAccount Number : XXXX Has Violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more 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 2023-08-21 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: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: MO

Complaint narrative:
They text me about every week wanting me to contact them about " a matter for XXXX  ''. Whatever that is. They always use a different phone number so I can not successfully block their calls. They want me to call but I'm inclined not to do that as it is clearly a scam. I don't owe anyone any money and have a credit rating of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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: LEXISNEXIS
State: AL

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.

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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: TN

Complaint narrative:
Ive been a victim of identity theft. They have stolen my information and have been using my information to obtain credit with several lenders/banks. 

I was robbed back in XXXX  and ever since I have been getting inquiries on my credit reports and also credit lines opened under my name, including recently, a checking account and a credit card with XXXX  XXXX. The perpetrators have stolen almost {$20000.00} from my XXXX XXXX account by fraudulently changing my information on my XXXX XXXX account and transferring funds onto this XXXX  XXXX account opened under my name. They have also tried to obtain credit under my name with several other financial institutions. 

There are numerous addresses and phone numbers on my credit report that are NOT mine due to these activities. 

These actions have hurt me tremendously and caused me to lose a refinancing of my home recently not to mention the stress and headaches this have caused. 

I locked and froze my XXXX report but havent started the disputes with the other two agencies. 

Ive been working with both XXXX XXXX and XXXX XXXX to get these transactions reversed, and my money back. I have also filed a police report and they are investigating as well. 

I was advised by XXXX to file this report. 
Any help with this matter will be greatly appreciated. 

Let me know what I need to do to proceed. 

Sincerely, 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 2023-08-21 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: TN

Complaint narrative:
Ive been a victim of identity theft. They have stolen my information and have been using my information to obtain credit with several lenders/banks. 

I was robbed back in XXXX  and ever since I have been getting inquiries on my credit reports and also credit lines opened under my name, including recently, a checking account and a credit card with XXXX  XXXX. The perpetrators have stolen almost {$20000.00} from my XXXX XXXX account by fraudulently changing my information on my XXXX XXXX account and transferring funds onto this XXXX  XXXX account opened under my name. They have also tried to obtain credit under my name with several other financial institutions. 

There are numerous addresses and phone numbers on my credit report that are NOT mine due to these activities. 

These actions have hurt me tremendously and caused me to lose a refinancing of my home recently not to mention the stress and headaches this have caused. 

I locked and froze my XXXX report but havent started the disputes with the other two agencies. 

Ive been working with both XXXX XXXX and XXXX XXXX to get these transactions reversed, and my money back. I have also filed a police report and they are investigating as well. 

I was advised by XXXX to file this report. 
Any help with this matter will be greatly appreciated. 

Let me know what I need to do to proceed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-21 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: GA

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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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: Experian Information Solutions Inc.
State: GA

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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: MI

Complaint narrative:
I financed a XXXX XXXX XXXX through US Auto Sales around XXXX of XXXX. Within the first 30 days of me having the vehicle I ran into many problems with the vehicle. I was responsible for paying more than {$3000.00} in repairs for the vehicle and I am still making repairs. I was told that the warranty on the vehicle no longer stands because the company has gone out of business. I am left with a dysfunctional car and still responsible for paying on it. I am an XXXX XXXXXXXX XXXX XXXXr so my transportation is needed for my day to day activities and duties and this has caused so many problems with my work and personal life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I found inaccurate information in my TRANSUNION credit report. I tried to fix the issue by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as Payment status, payment history, date opened, and balance are still being reported. My rights were violated. According to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C. Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 non-monetary relief
Consumer complaint received 2023-08-21 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: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: PA

Complaint narrative:
XXXX XXXX is showing the account as a charge off, but it has been paid in full.

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 2023-08-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX is showing the account as a charge off, but it has been paid in full.

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 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
You already have a copy of my correspondence to Citi on this matter. I am XXXX and saw online ad for electric scooter. On sale apparently by XXXX.I purchased item with Citi card. Ad said item to be delivered by late XXXX from California. Item never delivered so inquiry made with party who took and confirmed order ( in XXXX, to my surprise ). Response was that it had been delivered! FALSE! Told at various times in email exchanges to check post office, neighbors, customs office, mail box. Obviously these responses were ridiculous. Item this size would not be sent though USPS, nor need for customs involvement from California, fit in mailbox etc. Contacted XXXX and got immediate response : SCAM. I filed a dispute with Citi, got the provisional credit, but then Citi responds later that my dispute was DENIED. No information on lies given by scammer in XXXX. I sent a written response to Citi - a copy of which I sent to your agency- but I have not heard anything back from Citi. They are obviously ignoring my more complete complaint, even with evidence sent them.. When I learned it was a scam, I even had CIti cancel my card number and issue a new number card. ( Would I do that if there wasn't FRAUD involved? ). The amount of money was about {$44.00}. Not a lot but I am on fixed income.

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 2023-08-21 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: NC

Complaint narrative:
The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXXXXXX XXXX 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 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Below is the email that I sent to the CHASE EXECUTIVE ESCALATIONS email. They reply and the. Called multiple times.

First the rep typed in the wrong case # on her inquiry and apologized for taking so long. Then she didnt send the request. Whoops. Then she will call me back and never did. 

How unprofessional! 

Explanation Below On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrote : Long story short I took out an ad program with XXXX. Their XXXX XXXX  is completely non-user friendly and I struggled even asking for help through XXXX  I got the campaign going. I took {$500.00} per month ( my entire ad budget ) from XXXX and started a ad with XXXX. Well what was supposed to be {$210.00} per month for two ads they ended up twisting it around and taking {$500.00} per day from my account. The moment I realized what they were doing I went into XXXX and deleted the ad accounts. I messaged support and they said they would get right back to me and NEVER EVER did. I then called Chase. Issued a stop payment. I disputed the charges. I was told by Chase that they would mail a form that I need to send back in. The lady told me I would have a provisional credit. No credit came. I called and they said they are waiting for the form. I got mad and said they took a substantial amount of money and provisional means while you get things resolved. Not provisional after you get a form mailed. We went back and forth. Finally I found the form since it DID NOT COME VIA US MAIL AS PROMISED. I emailed it, faxed it and emailed it to the local branch asking him to fax and he confirmed he received and faxed successfully. 

Finally I got notice that the claim was closed because get this. I never returned the form. 

I moved money from my savings accounts with chase. Small amounts totaling probably $ XXXX to another bank. 

I am infuriated. How dare your bank rule against me for such a ridiculous reason. I said the charges were not authorized in that amount. I would never ever authorize that dollar amount for a small family business. I am your customer. You should have stood behind me. It was important to me that chase had my back. But you completely added to the frustration and broke my heart. 

I need someone to take action! I need to see that I matter. 

Please respond. 

XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
We have banked with Bank of America for over 25 years. We are a software company and deposit over $ XXXX a month using BOA 's remote deposit machine. Typically, we will deposit 20 checks for $ XXXX or more at one time. The funds are available the next day. This has been the case as I recall for ALL OF 2023. On Friday XX/XX/XXXX, we made a deposit of about $ XXXX. Almost all of those checks have been put on hold until the XXXX. 

When I talked to the bank, and a manager, XXXX XXXX ID XXXX, his explanation was that they could not verify the funds would be available and that was why there were holds. I asked why ALL prior deposits had no holds, though from the same businesses and his answer was that each check is different. I reminded them that this had happened in the past because of a large deposit and their computers placing automatic holds, which they IMMEDIATELY removed when we called them. This time they refused to do that. 

I confirmed the call was being recorded and told them that I would go to the CFPB and asked if they would reconsider. They said they would not. 

This is clearly an error. It does not take 7 calendar days for checks to clear in 2023. It is statistically impossible for no checks to be put on hold all year and ALL the checks from a single deposit to be put on hold because " BOA had information that these checks may not clear. '' All the checks are from established businesses we have worked with for decades in many cases.

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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The accounts are being reported fraudulently the accounts doesnt belong to me an is violation of my rights under the FCRA please remove the accounts from my credit report immediately Ive sent you guys several letters police reports and identity theft reports and the accounts are still being reported please remove the account now thanks Account XXXX XXXX XXXX Account number : XXXX is being reported as charge off multiple Months after account was closed according to FCRA section 623 this illegal and inaccurate Remove account immediately off of my credit report sent letter to credit bureaus and havent got an response its been 70 Days. Thanks Experian Account XXXX XXXX XXXX  Account number : XXXX being reported as charge off multiple Months after account was closed according to FCRA section 623 this illegal and inaccurate, please Remove account immediately off of my credit report. sent letter to credit bureaus and havent got an response its been 70 Days. Thanks

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 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One has placed a restriction on the joint bank account I share with my husband. They refuse to tell me why there is a restriction or release my money.

Company response to consumer: Closed with explanation