vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 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:
15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case. The status needs to be changed to " PAID, CLOSED/NEVER LATE ''. If not changed i will be forced to take legal action Heres the list that has erroneous inaccurate info on my credit. Must be REMOVED immediately!!!! 

DEPT OF ED/XXXX Account : XXXX DEPT OF ED/AIDVANTAGE Account : XXXX DEPT OF ED/AIDVANTAGE Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX CREDIT CORPORATIO Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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:
15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case. The status needs to be changed to " PAID, CLOSED/NEVER XXXX  ''. If not changed i will be forced to take legal action Heres the list that has erroneous inaccurate info on my credit. Must be REMOVED immediately!!!! 

DEPT OF ED/XXXX  Account : XXXX DEPT OF ED/AIDVANTAGE Account : XXXX DEPT OF ED/AIDVANTAGE Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX BANK XXXX Account : XXXX XXXX CREDIT CORPORATIO Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : 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 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
This is about the inaccuracy that is inqeuitably furnished by your organization on my XXXX Report. I came to know about this XXXX  on XX/XX/2024. Due to this XXXX, my right to extend credit had been damaged to a great extent. As a result I was discriminated against and refused the following. 

I was denied a XXXX XXXX with American Express. 

According to 15 USC 1681 ( a ) ( 3 #, Consumer reporting agencies have assumed a vital role in Assembling and evaluating consumer credit and other information on consumers.

I hereby put your organization on notice and would like to inform you that I never gave consent To this report being furnished by you on my behalf and I am also aware Of the fact that your organization assumed a vital role. As a result, My livelihood Has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. 
There, your organization is liable. 

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave Responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 

I request You to give me a piece of evidence that the information which is being reported has been properly investigated. Also provide us with the details of the systems adopted by your organization to determine whether the transaction took place or not. 

Further pursuant to 15 USC ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result I hereby demand to do the following. 

Give me the credit that's my right. 

Thank you for your cooperation. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The banks failed to perform on their duties. They failed to maintain the same payment structure... Banks said it was liable & would fix the issue... still not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: 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.

Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a 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 XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: 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.

Account Name : XXXX Account Number:XXXX  Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a 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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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 a 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 explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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 a 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 explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I requested that each bureau ( TransUnion and XXXX ) to remove derogatory items from my credit report more than once. I got responses concerning other irrelevant issues but no action or investigation was submitted. By law i'm am entitled to the sum of the items and you must remove block all derogatory items.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC
State: CA

Complaint narrative:
I was checking my credit report and noticed a " XXXX XXXX XXXX  '' hard inquiry. I couldn't get information confirming the authorization. Hard inquiry comes from a XACTUS - AVANTUS. I called for more information but had not received any.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Back on XX/XX/XXXX an pandemic unemployment account was created in my name. The card was sent to the assailant address. i found this information out when i received a notice stating that i had to pay a over payment from unemployment back. Unemployment had 3 addresses on file under my name. 2 that belong to the assailant and one that belong to myself. Back in XXXX i Tried to apply for pandemic unemployment and i was locked out. It stated an account was already created. I Called Bank Of America i gave them my address. They advise me that was Not the address on file. I asked them could i change on file or could they give me the address they had on file. She stated NO, they couldn't give me the address they had on file and if i needed to make any changes i had to contact Maryland unemployment. I tried contacting Maryland unemployment for months with NO luck. I them received a notice about an over payment. via email. I tried emailing, calling, and visiting the building. no one answered email, the phone lines was still busy, and building still closed. I filed a police report with XXXX XXXX Police Department in XXXX about identity theft because at this point i have received SEVERAL notice of someone using my Social security number and DL. In XX/XX/XXXX i had to make an appointment with XXXX ( XXXX XXXX XXXX ) to report that my DL was stolen and the same day i was reporting that someone was creating a Social security account having a SS card mailed to them. I couldn't get a dup DL until XXXX of XXXX a month after an Unemployment account was created. i have submitted so much evidence police reports, XXXX reports, Social security administration letters stating fraud was created, i have disputed BOA transactions from day XXXX XX/XX/XXXX just to continuously get denied. i have provided ALL documentation and still DENIED. I have even provided the information and address of the person that committed the crime. Still DENIED. Once i sent my DL via fax they Finally changed my address to my Correct address after serval attempts of trying to give them my correct address. Once they changed my address all i ever received was denial letters from the disputes about the whole ordeal.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

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. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account NumberXXXX has violated my rights. Or a 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 explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
My application for refinance started in early XXXX. During this process the Truist agents continually assured me the loan was tentatively approved. The agents requested that I obtain a home appraisal at a cost of {$660.00}. I stated that I did not want to incur that cost unless the loan was dependent on it. Again, the agents coerced me to get the appraisal so the loan could progress. They dragged this process out over a month requesting documents and information. In the end, the loan was denied based on a credit report. If this was the deciding fact this loan should have been shut down XXXX days into the process. I want to get my money refunded for the useless appraisal I was coerced into getting. I am not complaining about the denial, I am complaining about the pressure, coercion, and totally unnecessary expense.

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 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I opened a Wells Fargo checking account on XX/XX/2023 under a {$320.00} promotion. I met the qualifications on XX/XX/XXXX. I received the recommendation to open from someone I know and their promotion posted several days after the 90 days. I have several friends that have opened under this promotion as well and it's always a few days after the 90 days. I called customer service the first week of XXXX and they told me the promotion was attached and it was in pending status. After it not posting, I have made multiple attempts at communication to resolve the problem with no success. I have tried social media, emails, phone calls, and noone seems to resolve the issue with a credit. 
Also, I opened the account online and for some reason the system accidentally opened XXXX accounts. After calling customer service, they said this wouldn't be a problem, they would just close the XXXX and it wouldn't affect the bonus. They told me they go by the 12 month mark from when a bonus was last received, not the closing date and assured me everything would be fine with the bonus. I would just like my account credited for the {$320.00}, 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 monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a business account with Citibank and was told that I could have a free personal checking and savings account because of the business account. I opened the free checking and savings account only because it was free. I rarely use the personal checking and savings account. This past weekend I wanted to transfer some funds and found the personal checking account was closed with a XXXX XXXX. I spoke to Citibank and the XXXX  number told me they never offer free checking accounts. I know this to be a lie because older bank statements show that there were no XXXX  XXXX  fees.

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 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
I have been receiving repeated robo-calls to my number, XXXX, which my XXXX  uses. The calls are from XXXX, and the recording identifies the company has Harris and Harris Ltd, and states that they are calling to collect a debt. I called the company to find out if the debt was legitimate, and they informed me that the name on file for the debt is XXXX XXXX. When I started to tell the agent that my XXXX  's name is XXXX XXXX the woman yelled at me and said " I know you just heard me say the name is XXXX XXXX XXXX of course that's not your XXXX, XXXX. '' She then hung up on me before I could request that they remove me from their lists. I then called back and spoke with XXXX more people about stopping the calls, but they kept transferring me around until I ended up on an endless hold. We are on the federal do not call registry. I want this company to stop calling us, and I want them to face whatever remedial or punitive action is necessary to stop their current business practice of nagging unverified phone numbers with robo-calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
A hard inquiry is on my credit report for XXXX from XXXX XXXX XXXX XXXX I disputed this because I did not apply for anything with XXXX  XXXX, Equifax told me to contact XXXX, I did and talked to a lady in the application dept explained my situation and was told she would correct the situation and contact Equifax. The results from Equifax would not remove the inquiry until I received a statement from Identify Theft fraud FTC, a copy of my driver license, a letter explaining and a copy of my ss card

Company response to consumer: Closed with explanation