vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-13 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act the attached creditors have violated my rights as far as unauthorized 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. 

I did not perform or authorize these inquiries.

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 2022-06-13 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: GA

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

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

15 U.S.C 1681 Section 604 A. Section 2 : It also 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 explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Holding Company, Inc.
State: OH

Complaint narrative:
I applied for a loan through Avant and did the application and credit check. It said they are going to contact me later with rates and more information. I didnt hear from them for a couple days so I checked their website which I had to make a login during the application process. Their website said I had got the loan but I never sent any information or signed a agreement to the loan. So on Monday the money was deposited into my account and I called avant. The first representative couldnt hear me too well so I called back later after I got home. I told the lady I would of never agreed to those terms and never signed for the loan. She said they sent a email with a link to complete the loan agreement. I said I never got it and later checked my email and its sitting in the spam folder unread. She was very rude and would not provide me with a email showing these things she stated. Long story short I applied for a loan but would have never agreed to those terms and never gave them any documents or signed a promissory loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, No Account #, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Ive been contacting Equifax for years about this XXXX XXXX XXXX  XXXX account # XXXX that is listed on my credit report. The last time in particular was when I submitted a CFPB complaint on XX/XX/2022 regarding this account. I was told by Equifax that I would receive information in the mail. I would a notice that the account information has been verified as accurate, which is incorrect. The account information is completely inaccurate and Equifax refuses to properly verify the information in which they agave listed on my consumer report. According to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report showing inaccuracies. Ive advised this agency that the date of last activity is incorrect, this account updates monthly as CO as it should be, the past due amount has changed three times since this account has first charged off. How is this so if this is a dead account? Im asking for this account to be verified with the ORIGINAL COLLECTOR and that the ORIGINAL promissory note that I signed be sent to me along with Equifax correcting ALL of the inaccuracies on this account or delete this account completely due to this agencys inability to follow consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent Equifax the following : Re : XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX Alleged Original Creditor : XXXX  XXXX XXXX XXXX Alleged Account Number : # - XXXX Alleged Debt Amount or Balance : {$3000.00} Dear Equifax : On XX/XX/XXXX, as evidenced by a certified mail return receipt, you received a letter from me disputing an alleged debt owed to XXXX XXXX XXXX XXXX a debt collector. In said letter, I requested physical verification of the original signed consumer contract. You failed to provide any verification, specifically physical verification of the debt ( original signed consumer contract. In response to my request, you sent a letter alleging you verified the debt. In addition, you updated the account of alleged debt owed. You allege this unverified debt was reported to you XX/XX/XXXX. According to the credit file in my possession, the alleged debt was reported to you in XX/XX/XXXX. In addition, according to the credit file in my possession, the account number of the alleged debt ends in XXXX. In the response to my debt validation request, you allege the account number ends in XXXX. I have not received validation of the debt from you or the debt collector. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my Signature on it ) you have on file of the account listed above. Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed above. You are hereby notified that I have filed a complaint with the Consumer Financial Protection Bureau and civil claims may be pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Consumer Financial Protection Bureau Disputes have taken more than 30 days. 

Please delete the accounts listed on dispute numbers : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: OH

Complaint narrative:
I have contacted XXXX XXXX XXXX XXXX multiple times and they're still reporting inaccurate information on my credit report. They're reporting that the account was discharged in a bankruptcy in 2017. However, the vehicle listed in this account was paid in full by insurance. I have all documentation from the insurance company showing proof of payment. I have reach out to the XXXX XXXX XXXX, and I have got an attorney involved now if this is not corrected 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 explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
On XX/XX/XXXX my husband had his biweekly pay submitted into our Bank of America checking account and later we tried to use our debit card and it was declined. That morning I tried to contact them and was informed that they have closed our XXXX checking accounts and we don't have access to our funds and that the file would be evaluated on XX/XX/XXXX and the funds would be sent to us via a cashier check that day. I waited until Friday XX/XX/XXXX to contact them again because we still hadn't received the funds and I was informed that it was going through the closing process until XX/XX/XXXX. All of our money was tied up in these accounts and has created a great hardship for my family. We weren't informed by until Wednesday XX/XX/XXXX through mail that they were closing the account for us to make changes to our direct deposits that went into that 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 monetary relief
Consumer complaint received 2022-06-14 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: LA

Complaint narrative:
I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXX XXXX Bank XXXX XXXX. XXXX XXXX Bank XXXX XXXX is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX XXXX Bank XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX XXXX Bank XXXX XXXX any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following are fraudulently furnished inquiries. I did not authorize, benefit from, nor consent to these inquiries and I demand they be removed from my consumer report immediately : XX/XX/2021, XX/XX/2021, XX/XX/2021 ( XX/XX/2021, XX/XX/2021, XX/XX/2021 ). If they are not removed, I will hold XXXX XXXX Bank XXXX XXXX criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. These negative items on my consumer report are preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXX XXXX Bank XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to validate these inquiries, I demand they be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiries that is being fraudulently furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/XXXX I received an email from Citi saying that they were decreasing my credit limit by approximately half. ( From {$8500.00} to {$4800.00}. ) They gave no reason other than they decided to review my account and credit information. They also decreased it precisely enough to cover any pending charges and to max out the new reduced credit limit. 

My credit score is still over 700. The only real changes to have happened on the card is that I just recently started to carry a balance on it ( yay, hyper-inflation ) and have started using it at other places rather than just Costco. ( It is a Costco branded Visa card but not a store exclusive credit card. )

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 2022-06-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Consumer Financial Protection Bureau Disputes have taken more than 30 days. 

Please delete the accounts listed on dispute numbers : 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 2022-06-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Consumer Financial Protection Bureau Disputes have taken more than 30 days. 

Please delete the accounts listed on dispute numbers : 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 2022-06-13 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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive been contacting Experian for years about this XXXX Bank and XXXX account # XXXX that is listed on my credit report. The last time in particular was when I submitted a CFPB complaint on XX/XX/2022 regarding this account. I was told by Experian that I would receive information in the mail. I would a notice that the account information has been verified as accurate, which is incorrect. The account information is completely inaccurate and Experian refuses to properly verify the information in which they agave listed on my consumer report. According to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report showing inaccuracies. Ive advised this agency that the date of last activity is incorrect, this account updates monthly as CO as it should be, the past due amount has changed XXXX times since this account has first charged off. How is this so if this is a dead account? Im asking for this account to be verified with the ORIGINAL COLLECTOR and that the ORIGINAL promissory note that I signed be sent to me along with Experian correcting ALL of the inaccuracies on this account or delete this account completely due to this agencys inability to follow consumer laws.

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 2022-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had a checking account with J. P Morgan Chase. On XX/XX/2022, Chase closed my checking account due to suspicious activity. I had {$7000.00} in my account before chase closed it. My uncle sent me that amount from different state ( Wisconsin ) using money orders and deposited to my account. All the money orders are cleared and Chase is holding that money {$7000.00}. When I reached out to the bank they said I need to provide money order receipts to get my money back. Apparently, my uncle lost all the money order receipts but he has bank deposit slips which he received after deposited at the chase branch ( copies attached ). He visited to local chase branch multiple times to verify his identity and told them he sent me the money. But the bank did not accept it and they still want me to provide me the money order receipts. I also reached out to XXXX XXXX ( XXXX XXXX ) where money orders are bought from. But they wont provide me the duplicate receipts since Chase already cashed that amount. 

I tried all my best to get my money back but chase will not release my fund until I provide the receipts which I dont have. They said they will keep the fund on the separate account and hold it for 2 years and after that send it to government. I also reached out New York department of finance for help and they redirected me to XXXX with CFPB for resolution ( see attached letter ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: LEXISNEXIS
State: VA

Complaint narrative:
Referencing my ongoing issues and previous complaint # XXXX, I received a letter from Lexis Nexis dated XXXX XX/XX/2022, with a Disclosure Report URL of https : XXXX and a PIN of XXXX, but I'm not able to access the report. I get an error and am not able to access my report. I first received the error without the option to submit the Captcha responses, then I was able to select the images and respond but I still got an error. 

Additionally, the current letter states that there was unverified info. associated with me from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX, as well as from the LexisNexis XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

I am a member of the military and have tried to get legal assistance for what I think may be fraud and violations of consumer protection laws. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
I applied for the AVANT XXXX through XXXX XXXX around XX/XX/XXXX and was approved. They sent me an email congratulating me, informing me of my credit limit and telling me my card would arrive by mail within XXXX days. I waited weeks, and never received my card. I called several times and was told to wait until XXXX to have a new card issued to me. A new card was issued on XX/XX/XXXX and I called and was told it was mailed on XX/XX/XXXX ( which is a Sunday ) so I assume it was actually mailed on Monday XX/XX/XXXX. It has been XXXX business days already and again, no card. I have informed delivery with USPS and I see my mail a few days before it actually arrives. Its not showing up. They charged me the {$59.00} annual fee before I even used the card. I was able to activate it through their app, with no physical card by using my social security number. I chose to do this because I thought they had a digital version of the card available on their app but they dont so I cant even use it. I noticed after I called them a few days ago they charged me the annual fee even though Ive never use the card because I dont have it. I asked if I could have the card sent to me priority mail or Xpress if I paid for it and they said that they dont do that. Ive read several complaints on here about people never receiving their cards for months and I dont want that to happen to me so thats why I am submitting this complaint in the hopes that I will be able to get through to them and have them send me the card. I want to make it known that I really do want this card, I do not want them to cancel it or close my account because I am submitting this complaint. I am merely doing this in order to bring it to their attention because calling Customer Service is not seem to get me anywhere. Can avant or XXXX please contact me about my card and help me actually receive it?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
Block Inc, formerly known as Square, allowed a fraudster to create an account using my mobile phone number without double-checking the number. 
I am now getting calls from people who have been scammed, asking ME to ship the merchandise they ordered. 
I am filing a complaint because Square/Block should have verified the phone number and not let scammers use any number. 

Not only is it annoying and stresful to answer all these phone calls, I am also fearing my phone number will be associated with scam and automatically be blocked by automated systems.

Company response to consumer: Closed with explanation