vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-20 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX Violations of my rights as a furnisher. 
Collection agency reported the debt with an incorrect date of last activity on your credit reports. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete. I will use all the CFPB for evidence in legal matters. Removed from all consumer reporting agencies and monetary relief. Violations 15 U.S. Code 1681s2 -Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

First Acct # XXXX Date of last active TransUnion has XX/XX/2025, XXXX has XX/XX/2025 and XXXX has XX/XX/2025. 

Second Acct # XXXX date of last active as TransUnion has XX/XX/2025, XXXX has XX/XX/2025, and XXXX has XX/XX/2025.

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 2023-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX bank, chase, and XXXX XXXX prompting me for my credit cards in XXXX XXXX on my XXXX. When i call to fix they advised my cards arent being used for XXXX XXXX. Yet my XXXX wont let me add cards to my account due to the fact the accounts are closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: AL

Complaint narrative:
In accordance with the Fair Credt Reporting act XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights to privacy which is lawfully illegal. 

FEDERAL STATUTE CODE 15 U.S.C 1681 section 602 A States that I have the right to privacy and by reporting my personal information to anyone or any bureau without me consent puts my life in danger and violates FEDERAL LAW!

FEDERAL LAW 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without the consumer written instructions/consent! I never consented to such illegal activity being forced upon me!

Since this debt is disputed pursuant to the Fair Debt Collection Practices, You are required to cease all collection of these alleged debts which INCLUDES, reporting to my consumer report and approving any CRA to do the same.

Thereby inform you that you do not have my consent to communicate with n. through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft and is a safety risk to my family. I also DID NOT consent to you to report or furnish any information in my name to the any credit agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 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: AL

Complaint narrative:
In accordance with the Fair Credt Reporting act XXXX  account numbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights to privacy which is lawfully illegal. 

FEDERAL STATUTE CODE 15 U.S.C 1681 section 602 A States that I have the right to privacy and by reporting my personal information to anyone or any bureau without me consent puts my life in danger and violates FEDERAL LAW!

FEDERAL LAW 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without the consumer written instructions/consent! I never consented to such illegal activity being forced upon me!

Since this debt is disputed pursuant to the Fair Debt Collection Practices, You are required to cease all collection of these alleged debts which INCLUDES, reporting to my consumer report and approving any CRA to do the same.

Thereby inform you that you do not have my consent to communicate with n. through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft and is a safety risk to my family. I also DID NOT consent to you to report or furnish any information in my name to the any credit agency.

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 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
On XX/XX/2022 I went to Citizens Bank, XXXX XXXX XXXX, XXXX, MI XXXX, to withdraw my Social Security check which was direct deposited on XX/XX/2022. This was the first time my Social Security check was direct deposited in Citizens because before that, I had it direct deposited in my XXXX XXXX 

When I asked to withdraw the money the teller told me that there were three checks written out, one for {$500.00}, one for {$400.00} and one for {$1000.00}. I told her that I do not have any checks with Citizens so I had to report it to one of the banking people at the desk. Her name is XXXX XXXX XXXX, XXXX. I got back my {$500.00} within two weeks because she said it the same person who was on the other two checks, XXXX XXXX, tried to cash it at a Citizens bank so they said it was fraud. I was told that the first check for {$500.00} was a paper check, but it doesnt show on my checking account statement what number it was or that I can view it. 

I was calling the online people at the bank and the fraud department practically every other week. One person said it would take 6-8 weeks to process. Another person said dont worry since it was the same person on the {$500.00} check you should get your money back on the other two checks. 

One week ago, I got a hold of a bank supervisor with the fraud department and she said that she is going to put a rush on it since I have been waiting so long, 7 weeks, and gave me a new claim number : XXXX. She also said that it got directed to the wrong department at first and the online department should have handled this since it was a computer generated check. ( Someone also said he paid bills with these checks. I dont know how they know this. ) I got a call yesterday, XX/XX/2022, and after 8 weeks she said the online fraud department said they feel it wasnt a fraud and I am not going to get my money back. She also said I can re-file and tell them to check it over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: AZ

Complaint narrative:
-I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

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 2023-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX of XXXX I was about under 90 days past due. I've explained the reason for my delay in payments is because of my short-term XXXX being denied. When I made the payment of {$380.00}, I was told this dropped the chances of my vehicle being repossessed, Monday XX/XX/XXXX of XXXX I go outside to head out to work and my car is nowhere to be found. I am XXXX past due apparently and I had plans to make another payment XX/XX/XXXX because on XX/XX/XXXX I had to pay my rent to avoid any evictions. This is the third time my car has been repossessed. I believe this is the second time I've been repossessed being under 90 days past due. This is not the first time they say one thing and do another, and I find myself paying extra money just to get my car back and have it done to me all over again! Wells Fargo by fare has been the worst experience I have ever had. This is not my first loan for a car and I had paid off my previous loan to this car.

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 2023-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I have ( had ) a money market account with PNC Bank that was an account I was not going to be using. When the bank moved from Compass to PNC, I asked them if it would be a problem to keep it without use in their bank, as with Compass, I did not have that problem. They assured me it was not an issue with them as well, and my money would be secure and making small interest ... Come XXXX, when I received and was looking at my bank statement, I see that my balance says XXXX with a deduction of XXXX. Escheat closing... I immediately called the bank, and they told me that due to me not using the account, it was closed. I explained that this was not going to be a used account. I received no help from the phone person ( XXXX ), who only gave me a number to call, when I did call it says they do not have to mail a letter. Getting no help or call back from the number given to me. I Went to the bank, asked why I never received a letter telling me I could possibly loose the account if I did not go in. They had no good answer and I have been getting the run around from them there. I was told I had to contact the state ( they now have my money ). They have not tried to help me. I need to know who to contact. Or what to do, where to go to get my money back. This is just not right that I have to chase my money around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-07-20 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX Account name XXXX 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

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 2023-07-20 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
-I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: AZ

Complaint narrative:
-I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: NV

Complaint narrative:
This is relating to a business account- XXXX, XXXX XXXX, and XXXX XXXX which was incorporated in XXXX under XXXX XXXX XXXX. The relevant account is a checking account ending in XXXX. 

On XXXX I discovered several declined payment emails from vendors. I logged into my account and realized I had no access to the checking account which had a balance of circa {$80000.00}. I immediately contacted the bank and I was informed that the account had been closed and no information could be provided. It was suggested to me that I contact a branch office. I quickly attended the branch closest to me, and again I was told that they could not give me information as there was no XXXX or supervisor at the branch. They were all in meetings. I was given a number to call and on that call, the representative I spoke to, advised that no information could be provided as to the reason behind the account closure, and that the bank could close my account without reason and this was based on a US Bank policy. They had decided to sever the relationship with my company. She added that a check for the balance on my account had been overnighted to me. I was confused and had no further information as to why the bank had unilaterally decided to server the relationship with a business account serving multiple employees. To date, I have received no further information, I have no access to my bank statements, and Im unable to reconcile my accounts. I had selected the paperless option and as, this was unexpected and no notice was provided to me regarding the closure of the account, I was unable to download my statements prior to account closure. This is now XXXX of my very crucial concerns. Overall, I demand more information as to the reason for the account closure, I would appreciate all of your help. 
Thank you. 
Sincerely 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 explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Bank of America XXXX XXXX requested a new credit card with Bank of America to transfer a balance of XXXX to a XXXX interest credit card. I was notified I was only approved for XXXX. I called right away to cancel the request. They did not have my account number yet so i gave my social security number. 

XX/XX/XXXX, XXXX received a letter my account was closed for suspicious activity. I assumed it was closed and transaction wouldn't happen for XXXX reasons. XXXX the agreement was for XXXX not XXXX. XXXX. I requested the transfer to stop XXXX. I received a letter stating my account was suspended for above said suspicious activity ( none noted btw ) Sometime in XX/XX/2023 I received notice a transfer of XXXX was happening. I called to tell them to stop the transfer as it hadn't happened yet and was told there was nothing I could do. The transfer would happen and I would be charged the {$240.00} fee for transfer. 

XXXX XXXX filed a complaint and was told by the representative that I would get my money back. I called XXXX to cancel transfer and they didn't do it. I sent in payment for the XXXX and will be closing the card. I should get my transfer fee back. It should have never of happened.

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 2023-07-20 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have made several payments to XXXX XXXX and yet their payments will never pass through my bank at XXXX  I had to stop payment on them contacted XXXX will not work with me the case is still under investigation according to XXXX I just got off the phone with a representative and yet theyre reporting major derogatory information on my name while its still under investigation they also have a representative calling threatening to come put me in jail, lock me up whatever it is to collect this money for this credit card, when its still under investigation I have the recorded messages I have the letters from my bank for my bank is tried several times To clear this case up in XXXX XXXX refuses to work with me or my bank they would rather report me as a bad consumer Im sure you guys allow this for companies helps them not me its destroying my credit and yet all my other cards are being paid through XXXX  in the same manner Im tired of being harassed by their phone calls every day XXXX times they call back for XXXX times numerous throughout the entire day. They make sure they call XXXX times back to back before they hang up.

Company response to consumer: Closed with non-monetary relief