vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account child support enf XXXX acct # XXXX, XXXX acct XXXX XXXX, XXXX 120 day late payment has violated my rights. 

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

15 U.S.C. 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-14 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, have violated my rights. 

15 USC 1681 Section 602A, states I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/2022 Citibank advised that they were closing my account. They advised the account would be closed within 60 days from XX/XX/2022 and that a check would be mailed to me for the balance in the account. The balance in the account of {$1000.00} still has not been mailed to me. I called Citibank and advised them I wanted my money back. They said they still had another 30 days to actually close my account. I would like my money back from my 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 2022-04-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
So, back during the pandemic, XXXX, and BofA decided to close my acct while their was still money in it, because of f suspected raud .... After some time, it was re-opened once they realized I wasnt fraudulent. But my money was gone. As time has gone on, BofA randomly sends me letters saying they have sided in my favor and they have issued a refund of ( insert random amount )... Well, I got another one of those letters on XX/XX/XXXX. But BofA is no longer the vendor for XXXX payments. WHich means, BofA decided to close all XXXX accounts back in XXXX. Conveniently. SO BofA points at XXXX, and XXXX points at BofA ... ..Logically thinking, BOfA held the money, issued the letter, and issued the refund, and even went so far as to ALMOST do a wire transfer of the funds, but at the very last second, decided, they couldnt trust the branch manager where I did my in person verification. So they withheld the money. After posting every single day since on twitter to the help dept, all they do is say they need time to review my complaint, or that my complaint has been escalated and I should be patient, or Ive even been given a call on a few occasions to say these things on the phone. BUT NOBODY EVER FOLLOWS UP. Now after losing my truck when I was told to go to a branch for in person verification and I would get my money, at which point i ran out of gas and the truck was towed before I could make it back with a gas can I am contacting all of these agencies to try and get some help. What they are doing is unethical, unfair, irresponsible, to say the least. I believe as the holders of finance these people hold the livelyhood of its customers in their hands, and should be held to a standard of conducting business, that exceeds that of other businesses. This type of slow playing, or lack of follow thru, is again, a violation of such ethical obligations, and I would say even borderlines if not completely steps the line of discrimination. To say the least it is a gross violation of its responsibilities, and therefore I am reaching out to try and get some relief in this matter.

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 2022-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The problem started on XX/XX/2022. Someone took money for my business account 2 times with a first quantity of XXXX with a fake bank check and the second quantity was about XXXX, XXXX. It was a tranfer money. And in XXXX of my personal account they tranfers money to anocher bank that I never heard about that bank with the quantity of XXXX and in the other personal account they are doing XXXX with the amount of XXXX, XXXX, ect.. without my aouthorization. 
They also opened account under my name in XXXX  XXXX where I never have any account with that bank and making transfer money to one of my personal Chase Bank to a XXXX XXXX, and there are also several accounts under my name that I never make them such as XXXX XXXX. I report all that situation as a fraud with a Chase Bank, XXXX XXXX  and XXXX XXXX and they are under investigation. XXXX XXXX  is another bank that transkfer XXXX dollar form my Chase personal account to their account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-14 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: NY

Complaint narrative:
Experian continues to keep inquiries and accounts on my report that should not be there. I have sent in dispute reports and information validating my claims yet and still they continue to be there. The current items continue to remain on my report and I would like to have them removed asap. Please and Thank you. 

Inquiries : XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX-XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX- XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/2021 XXXX XXXX XXXX Late payments : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Accounts that don't belong to me : 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 2022-04-14 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: EQUIFAX, INC.
State: MD

Complaint narrative:
These accounts below are the name of all inquires that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: RAB, INC.
State: CA

Complaint narrative:
I received an email SUBJECT - UCC Violations, Solvency, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, Case No : XXXX, Balance {$16000.00} - dated XX/XX/2016 In this email there were 11-12 different emails Most, I have no association with, in the email, there are 5 attachments containing my personal information and address. There threatened me with the following : File a Notice of Default against your Brokers License with XXXX as well as with the California Attorney General according to Uniform Commercial Code 9-607b ( 2 ) a, which could result in a fine or loss of license. 
* Contact Title Companies and Title Attorneys to serve UCC1 & intercept any current and/or future commission due to you and/or your brokerage until the balance is cured. 
* File a complaint with the California Attorney General for Fraudulent Receipt according to Uniform Commercial Code 5-502 to 5-511, which could result in a fine. 
* Add additional collection and recovery fees according to Uniform Commercial Code 9-607 ( d ). 
* Contact XXXX  as well as with the California Attorney General to advise of possible FRAUD AND FALSE STATEMENTS by Concealment of assets from conservator, receiver, or liquidating agent according to Title 18 Part 1 Ch.47 1032 ( 3 ), which could result in a fine and/or up to 5 years imprisonment. 
* File a complaint against your Brokers License based on Realtors Code of Ethics & Standards of Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
These accounts below are the name of all inquires that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX child support enf Ag/N acct # XXXX, XXXX acct XXXX XXXX, XXXX 120 day late payment has violated my rights. 

1

5 U.S.C. 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I submitted documentation showing that the documentation from XXXX could not verify XXXX and update and correct my credit report and they did not. 

The certified mail was sent on XX/XX/XXXX and received on XX/XX/XXXX to date correction has not been made by XXXX and Experian

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 2022-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I checked my credit report and found that banco Popular of PR XXXX at XX/XX/XXXX appeared on accounts with adverse information in my XXXX credit report with inaccurate information the balance is inaccurate, the account was paid in full by the XXXX XXXX, and the banking institution received the property and they sold the property and received the payment of the sale and additional retained the downpayment that I make of 20 % of the cost {$40000.00} and the payments that I made since XX/XX/XXXX to XX/XX/XXXX and the payments that I make for insurances policies, maintenance, repairs, tools and equipment, stoarge and transportation and additional they retained {$26000.00} final payment of one of my certificate of deposit that never returne the amount to me inaviolation of the agreement after natural declared disaster XXXX Hurricane XXXX when they only gave me m months of moratorium in payments, they requested insurance policy renewal, they devaluate the property {$60000.00} less without any appraisal and manipulated the appraisal that they paid that contain different values of the property depending if I voluntarily return the property to the bank, if the property was repossess or if I keep the property and pay the debt. They discriminated against me they give me less favorable terms than other applicants and they offered non clear, misleading and fraudulent information in refinance transaction in XXXX when I went to the bank and let them know to XXXX XXXX and XXXX XXXX XXXX that I lost my divorce case and the money that I was expected and can't continue with the property and the loan and both denied me any solutions more than a refinance in balloon loan to favor the banking institution and did not notified me that they will take the down payment and all payments done. I would like to request for my intimacy and privacy right that this account will b remove because the account was paid more than full and they said it was charge off when they received all monthly insured payments, they sold the property and keep the money of the sale and keep the money that I paid and keep additional money of my certificate of deposit in a violation of banking regulations and discriminations against me. The account was reported inaccurate balance and I am natural declared disaster and declared disaster survivor, they commit serious regulations violations and depredatory acts against me. They are reporting this in a retaliation act against me and I received continuous loans denial due to inaccurate information reported.

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 2022-04-14 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: MA

Complaint narrative:
Dear TransUnion today is XX/XX/XXXX, I disputed by certified mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX the public records bankruptcy with the case number XXXX, date filed XX/XX/XXXX, because you are reporting false information on my credit report because this bankruptcy does not belong to me, and it belongs to someone else so please delete or remove this bankruptcy. 

Also, when you responded to me with no explanation about the investigation results on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with the results : ( UPDATED NOT SPECIFIED ) so how did you verify this bankruptcy so please delete this false information on my credit report because you did not investigate or verified any of my disputes and you did not send me any proofs, so please delete or remove this bankruptcy immediately. 
The rule of XXXX says you don't have any of the Information so how can you say this bankruptcy is mine according to the rule XXXX must remove or delete this bankruptcy immediately. The law 15 U.S. Code 1681c Identity theft prevention ; fraud and section 611 ( 1681i ) requires you to do an investigation.

You are reporting false information on me because this bankruptcy is not mine. After all, you can not have my name, my full social security number, or my full date of birth to verify public records, therefore I will be attaching my Social Security Card to verify my first and last name.

I attached 6 supporting documents including my identification and the US postal service tracking numbers certified mail numbers please check.

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 2022-04-15 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: BMW Financial Services NA, LLC
State: DC

Complaint narrative:
On XX/XX/22 by way of Certified U.S. Mail XXXX XXXX I sent a letter to BMW advising of inaccurate information being reported about a leased vehicle account. Prior to reaching out to BMW, on XX/XX/22 I disputed the information with the credit bureaus advising that the information being reported was inaccurate and casing damage to my creditworthiness. Specifically, BMW is reported that my account has a " high credit limit '' of {$16000.00} -- this is not true and this number does not reflect any balance or limit associated with this account. Secondly, BMW reports that I owe a balance of {$3400.00} that is being paid off at $ XXXX. This information is totally inaccurate. I do not owe a balance on the lease because I bought out the lease and I now own the car. I have never had a {$36.00} payment. The entire account as reported is inaccurate and BMW refuses to correct what is a clear and obvious error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I got a capital one card in XX/XX/2021 I used it for XXXX send a XXXX payment in for more to do XXXX suddenly my card was blocked for fraud I sent in copy of dl s.s. card and bank statements they still have not activated my card nor show where I paid XXXX on my payment but they have reported to my credit for non payment and my credit score has dropped over 100 points I made contact today and they said I need to send them my actual s.s. card I advised I would be filing a complaint after they refused to let me speak with a supervisor I refuse to send a payment till my card is not locked and activated and they fix my credit report that they have messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Names and addresses and also work places and phone numbers show up on my credit report that do not belong to me. Please removed these list of names, addresses, phone numbers, and employment from my credit report. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX XXXX XXXX Way XXXX Silver XXXX Md XXXX XXXX XXXX Ct XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and 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 2022-04-14 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: LA

Complaint narrative:
I sent a letter to the credit bureaus ( Transunion, XXXX and XXXX ) on XX/XX/2022 and they received each letter on XX/XX/2022 to remove incorrect addresses, phone numbers and past employers. I also sent a copy of my social security card, ID and proof of address which was on my ID and an Electric bill showing my address. It's been over 30 days and the incorrect information is still on my credit report. 

according to 15 U.S. code 1681i- procedure in case of disputed accuracy, the bureau failed to complete a proper investigation of my personal information and violated the FCRA 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 2022-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
Im really grieved and exhausted at my experience with NCB MANAGEMENT I was unfortunately a victim of identity theft. I have a mother who has XXXX and a child with XXXX so its really hard and very challenging to battle back and forth with this agency. I sent a letter to this agency with a certified return receipt. That indicates the letter was signed for an received on XX/XX/22. In the letter I Included a copy of my identity theft affidavit. Im simply asking for this account to be remove from my report. Its been well pass 30 days and Ive received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX account XXXX and XXXX XXXX XXXXXXXX, have violated my rights. 
15 U.S.C 1681 section 602 A, states I have the right to privacy.

15 U.S.C 1681 section 602 A section 2, also states 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 2022-04-15 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: FL

Complaint narrative:
In accordance with the fair credit report XXXX has violated my rights In accordance with the fair credit report FACTUAL DATA has violated my rights In accordance with the fair credit report XXXX XXXX XXXX  has violated my rights In accordance with the fair credit report EQUIFAX MORTGAGE SER has violated my rights 15 U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation