vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-14 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: TX

Complaint narrative:
XXXX XXXX obtained my credit report on XXXX2023 without my consent. I have not applied for a loan at this company Ever.

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 2023-02-14 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: FL

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: NY

Complaint narrative:
applied 4 secured card, they took my money b4 approved, treated very badly when i called to inquire on the XXXX so i withdrew application and demanded money back. Been getting run around since, filed multiple complaints which CFPB does absolutely nothing with. In there XXXX  response they allege i called the XXXX for first time, that's a lie it was XXXX, they allege that they tried sending it back the XXXX but that's a lie as per XXXX if they had sent it we would have it and the phone number provided in their response is completely useless, I spent over one hour waiting to speak to some one b4 i had to give up, screenshot attached. If they were honest and well intentioned i wouldn't have to jump thru so many hula hoops to get back money they never should have touched. They would have called me or provided me with a functional email address

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 2023-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: IL

Complaint narrative:
I was XXXX  & my personal information was stolen including debit & credit cards. Someone stole the money from the Credit card so Chime financial blamed me even though I went through the XXXX XXXX XXXX I gave them a copy of my XXXX  paper. They denied me of a replacement card & membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I deposited a personal check for {$27000.00} on XX/XX/23 - I was never advised there would be a hold. A few hours later I received an email notice stating that a 10 day due to specifics that it " may not clear '' - On Monday night the check cleared the signers account and she received confirmation of such. I went into the bank on Monday XX/XX/23 and was advised they wouldn't remove the hold because of they reason - when I inquired as to the reason he didn't know but per his manager XXXX - they wouldn't remove the hold and I would need to wait until XX/XX/23 for the funds to become available. Inquired why the continued delay when the Check XXXX clearinghouse process made it faster for funds to clear - The funds have been debited from the signers account- so Bank of America will sit on my funds for 9 additional days just because?

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 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it may concern, Equifax After reviewing my consumer file I noticed the following account reporting in INACCURATE error. Please DELETE these account immediately : ( XXXX XXXX XXXX  : ) ( XXXX XXXX : ) Closed ( XXXX XXXX : ) Closed ( XXXX : ) Paid 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These accounts is reporting a Balance and the account is reporting closed, the account is reporting late payment history and therefore the account is in VIOLATION. Please Delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: TX

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, 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 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 2023-02-14 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I have a lot of hard inquiries on my credit report which I didnt authorize or give permission for my credits being ran. I would just like them deleted asap. I havent applied for credit since 2020

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 2023-02-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have a lot of hard inquiries on my credit report which I didnt authorize or give permission for my credits being ran. I would just like them deleted asap. I havent applied for credit since 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My 84 yo mother signed up for Experian in XXXX due to having info stolen and fraudulent activity on her account. After a few months she called to cancel her Experian membership. Then a few months later again to no resolve. In the coming months she had some serious health issues and I ( her daughter ) started helping her with tasks that she could no longer handle. While helping her with her online banking, in XXXX, my husband and I noticed that there were a number of services being drafted from her account. I contacted Experian on her behalf and requested it be cancelled again. It was not cancelled and I was rudely hung up on twice after asking to be transferred to a supervisor or an agent who could help us finally stop the charges. We are now in the middle of XX/XX/XXXX and have been told again that it will be cancelled. We have been unable to reach anyone in the company who can assist us with filing a complaint and were hung up on again by a phone operator.

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 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom it may concern/Experian, After reviewing my consumer file I noticed the following accounts reporting in INACCURATE error. Please DELETE these accounts immediately : ( XXXX  XXXX XXXX : ) ( XXXX XXXX : ) Closed ( XXXX XXXX : ) Closed ( XXXX  : ) Paid ( XXXX : ) ChargedOff 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These accounts is reporting a Balance and the account is reporting closed, the account is reporting late payment history and therefore these accounts is in VIOLATION. Please Delete 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 2023-02-14 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: CA

Complaint narrative:
On XXXX/XXXX/2023 I received XXXX emails between XXXXXXXX XXXX ( PST ) anXXXX XXXX XXXX ( PST ) from an account claiming to be Bank of America. The emails asked me to verify my email, notified me that I had applied for, was approved for, and had opened a Bank of America XXXX XXXXXXXX XXXX  account, and finally notified me that I had changed my e-mail address. The emails were sent from XXXX XXXX XXXX. 

I called Bank of America to report the fraud but have been unsuccessful as I do not have the checking account number.

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 2023-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have never been treated so disrespectfully in my sixty plus years of dealing with National Banks as Chase Bank is treating me today. I have deposits in demand accounts Ive had at Chase for more than twenty years that today exceed {$13000.00} that I need to pay bills and expenses I have incurred and Chase, without just cause, has frozen my accounts and refused to honor bills I have scheduled for payment! 

Last XXXX, claiming new Federal regulations required me to provide additional information on ownership of my account, I immediately went to my local Chase branch at XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona. After determining the branch did not really know what was required and they had no notice of such demands, I finally found the information they needed concerned terms of a Trust agreement to which I was the sole trustee. That same day I provided ChaXXXX with a sixteen-page Summary of Trust drafted by my attorney that clearly spells out both current and successor trustee provisions of the trust. Refusing to identify what information they required, so called officials of their Compliance department claimed that more information was required, and they demanded unconditional access to my XXXX00 page trust agreement!

After threats to close the accounts that included a ridiculous demand that I provide an affidavit of Trustee resignation from my wife who had died four years earlier. After explaining a dead person could not sign such a document they still were not satisfied. Finally on XX/XX/2023, they refused to pay checks on my account, falsely claiming insufficient funds ( see attachments ), and froze my access to the funds. Now for the sixth time I returned to the bank branch asking for specifics on what they required. After repeated demands that I provide the entire Trust document, they decided they had to see my address as Trustee in the agreement! For heavens sake did they really believe that after I returned to their bank branch six times in response to their letters that they did not have my address! That is astonishing! Today, some six days after I signed a notarized affidavit regarding my identity and my address, I still have no access to my funds. 

This heavy handed denial of customer rights is simply not justified in my opinion. I would sincerely appreciate the intervention of the CFPB as I need access to my funds to pay bills. Their denial is absolutely unjustified, and I need your help to force Chase to release my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: MS

Complaint narrative:
XXXX XXXX is a prepaid medical provider you must prepay before any services or rendered. I have records of me paying 160 because they do not take medicaid.They both my report as closed and the collection is reporting derogatory closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I paid the balance in full on the duo date, they took 3 days to process the payment and reported a full balance, I am paying interest and they report wrong balance. 
card number XXXX name 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 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I paid the balance in full on the duo date, they took 3 days to process the payment and reported a full balance, I am paying interest and they report wrong balance. 
card number XXXX name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I paid the balance in full on the duo date, they took 3 days to process the payment and reported a full balance, I am paying interest and they report wrong balance. 
card number XXXX name 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 explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Ive been using wells fargo for about 4 months now. Recently they closed my account due to someone else using my s.s. from their standpoint. They attempted to close my accoun before for the same problem but i already made the appointment and re showed them the original s.s. card and my ID. They still closed my account and this morning i tried getting a new account opened but to no prevail because my s.s. was already used by someone else 's 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 explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the errors on my credit report. 

I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 
Recently I did an investigation on my credit report due to starting the process of purchasing a home. Unfortunately after this evaluation I found inaccurate addresses. According to 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 maximum possible accuracy of the information concerning the individual about whom the report relates. With that being said, we can see under 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. On TRANSUNION, they are reporting an incorrect address below : XXXX XXXX XXXX XXXX XXXX GA XXXX and they have XXXX XXXX XXXX XXXX GA XXXX. In addition TRANSUNION is showing the incorrect Employer of XXXX XXXX XXXX and that needs to be DELETED as well.

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 2023-02-14 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: MD

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account Name XXXX  XXXX Account Number XXXX Account Name XXXX XXXX XXXX, XXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX  Account Number XXXX Account Name DEPT OF EDUCATIONXXXX  Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Record Type XXXX XXXX XXXX discharged Reference Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation