vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: SC

Complaint narrative:
Approx a year or so ago, I paid down my account with conns furniture to $ XXXXHowever, .I wasn't able to finish out my 24 no interest terms. So, like most creditors, they added two years of interest to my account, and refused to negotiate with me. I understand that this was my fault. However, I'm struggling with payments and they have been made aware.However. The late payments have led to multiple calls a day, as many as XXXX calls. They are relentless with calls starting after XXXX until late evening. I work XXXX XXXX XXXX and this has become very disrespectful and disruptive to my sleep. Please help me to get this under control. Harassing and excessive phone calls are forbidden by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX has not reported an update on my account since XXXXXXXX XXXX XXXX My account has been closed for months. They refuse to report it as closed. XXXX customer service is horrendous. They take XXXX days to reply every time and when they do the person replying is clueless. I was instructed to call in for help and when I did I could not get past the robot because my account is closed why would you knowingly advise me to call in when I will never be able to reach any assistance if the account is closed. I continue to try and get help over email and every time they ask for more and more PII after I already verified my last 4 of social, address name etc. and Im using the email address they have on file?!? They refuse to provide documentation that the account is closed and they refuse to assure me the account will be reported as closed with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I was notified through email of a loan company doing a hard pull to my credit report. I now have a hard inquiry attached to a loan company that I have no acknowledgment about it. I did not authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX credit card by Citi bank I was very clear what I asked for. I asked for confirmation of debt which is my wet wet signature. I am the original creditor not you. 
These are your violations 15 usc 1692J. It is unlawful to design, compile, and furnish any form knowingly that such form would be used to create the false belief that the consumer owes a debt. The United States government has been under bankruptcy since 1933 which means they can not pay their bills.

12 usc 1431 Banks can not loan money because they are the borrowers.

42 usc 408 Asking for a social security number on any loan or credit transaction is a crime because we have no lawful money.

Where is my 1099C form for cancellation of debt. City bank already received tax payers credits so they need to cancell the fake. Debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting 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 reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX debt me # XXXX, has violated my rights. I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair act 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 according to 15 USC 1681 ( a ) ( b ) And according to 15 USC 1681i 5 they suppose to do this ( 5 ) treatment of inaccurate or unverifiable in formation ( A ) in generalf, after any reinvestigation under paragraph ( 1 ) of any information in disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681 s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
In XX/XX/year>, Valley Bank froze both my business account ( under XXXX XXXX ) and my personal account without any prior notification or explanation. The freeze occurred shortly after I opened an account with XXXX XXXXXXXX XXXX, which is also located in XXXXXXXX XXXX XXXXy. Despite multiple attempts to contact Valley Bank and resolve the issue, they have continued to withhold access to my funds. 

The account freeze has caused significant financial XXXX, as I have been unable to access my money for essential expenses for both my business and personal needs. On several occasions, I requested detailed information from Valley Bank regarding the reason for the account hold, but their responses have been insufficient and unhelpful. 

Key dates and actions : - On XX/XX/XXXX, I first noticed the account freeze when I attempted to make a withdrawal. 
- On XX/XX/XXXX, I contacted Valley Bank customer service to inquire about the issue, but received no clear explanation. 
- On XX/XX/XXXX, Valley Bank informed me that the account hold was due to my recent account opening with XXXX XXXXXXXX XXXX. They never informed me that my account was frozen and would be closed. 
- From XXXX to XX/XX/year>, I have made several follow-up calls and visits to Valley Bank to resolve the issue, all without success. 

The amounts involved include all the funds in both my business account ( XXXX XXXX ) and personal account, which have been inaccessible since the account freeze. Additionally, I am seeking compensation for various fees incurred due to this issue : - Initiation fees and under-the-limit fees for both my personal and business checking and savings accounts. 
- Fees for three auto-drafts that were automatically set up to go from XXXXXXXX XXXX but failed due to my account being frozen without notice, resulting in additional charges. 

Letters from XXXX XXXX  regarding these fees are attached to support my claim. 

I am seeking compensation for the funds that have been unjustly frozen and for the financial XXXX caused by Valley Bank 's actions, including all associated fees and charges. Valley Bank 's intention was for me to make business deposits in an attempt to hold my business funds indefinitely. Their intention was for me to make business deposits and use my business funds to pay off a business line of credit and business credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Credit agencies, collection companies, all expected to supply accurate information in a timely fashion. there should be no reason why information taking longer than 30 days should be acceptable. Legally 30 days is the legal timeframe. there simply needs to be an agency that actually holds these companies accountable. the following cases should be removed from my credit report. ( XXXX XXXX XXXX XXXX / Act. # XXXX ) and following CFPB Disputes : 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 2024-06-23 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
My investigation has been going on since XX/XX/year>. I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with records of who you spoke with, their business address, name and phone number. As well as documentation that proves that this account was late, if you can not provide me with this information in XXXX days update the account to XXXX XXXX and send me a copy of my updated 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 non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting 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:
My investigation has been going on since XX/XX/year>. I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with records of who you spoke with, their business address, name and phone number. As well as documentation that proves that this account was late, if you can not provide me with this information in XXXX days update the account to XXXX XXXX and send me a copy of my updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 reports relates. These accounts " XXXXXXXX XXXX  account # : XXXX '', XXXXXXXX XXXX XXXX  account # XXXX, CREDIT MGMT ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX  account # XXXX, are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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.

Check the attachments below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
I asked each credit bureau for proof that the United States XXXX or I requested them to report a bankruptcy on my credit report. They never provided proof. I asked the court did they report bankruptcies on consumer 's credit. They said they do NOT ever request bankruptcies to be reported to the credit bureaus. 

The credit bureaus violated FCRA XXXX ( a ) ( XXXX ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit report file. The XXXX XXXX XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( a ) states they are required by federal law to verify through physical verification of the original signed consumer contract and or / judgement ( XXXX ) - all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
I asked each credit bureau for proof that the United States XXXX or I requested them to report a bankruptcy on my credit report. They never provided proof. I asked the court did they report bankruptcies on consumer 's credit. They said they do NOT ever request bankruptcies to be reported to the credit bureaus. 

The credit bureaus violated FCRA XXXX ( a ) ( XXXX ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit report file. The XXXX XXXX XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( a ) states they are required by federal law to verify through physical verification of the original signed consumer contract and or / judgement ( XXXX ) - all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting 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 asked each credit bureau for proof that the United States XXXX or I requested them to report a bankruptcy on my credit report. They never provided proof. I asked the court did they report bankruptcies on consumer 's credit. They said they do NOT ever request bankruptcies to be reported to the credit bureaus. 

The credit bureaus violated FCRA XXXX ( a ) ( XXXX ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit report file. The XXXX XXXX XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( a ) states they are required by federal law to verify through physical verification of the original signed consumer contract and or / judgement ( XXXX ) - all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting 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 reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and under 15 USC 1681. XXXX # XXXX, has violated my rights. I looked at my credit report on XX/XX/24 and noticed some things are incomplete and not accurate. According to the fair act 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 according to 15 USC 1681 ( a ) ( b ) And according to 15 USC 1681i 5 they suppose to do this ( 5 ) treatment of inaccurate or unverifiable in formation ( A ) in generalf, after any reinvestigation under paragraph ( 1 ) of any information in disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681 s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I the consumer and natural person was denied credit by Bank of America when I applied for a business loan. 
Adverse action against a consumer is against the law according to the equal credit opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k.

The Bank of America is subject to criminal liability for violating 15 USC 1691 as I have proof that I was discriminated against by Bank of America due to the response that I received. The employee of Bank of America stated my business had not been open for the proper amount of time which my business has been open for well over a year actually 3 years now. Bank of America is in violation of 15 USC 1642 USC 1681 m and 12 CFR 1002 because either consumer made an application in good faith but credit was not issued. In good faith means good intentions when you have good intentions that makes you a credit worthy applicant. 12 CFR1002. 7 - rules concerning extension of credit ; creditor shall not refuse to grant an individual account to a credit worthy applicant. 
Furthermore because my social security number ( credit card ) was used and I received no benefit. This is proof of fraudulent activity unauthorized use of credit card on behalf of Bank of America. 
If Bank of America fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card AKA social security number I will indeed make Bank of America criminally and civilly liable for all actual damages pursuant to 15 USC 1681 n and 15 USC 1681 o. I will also follow up with an invoice for said violations of {$1000.00} per violation. 15 USC 1681M if any person takes any adverse action with respect to any consumer that is based in whole or in part of any information contained in a consumer report the person shall provide oral written or electronic notice of the adverse action to the consumer. I would like your assistance and resolving this matter That's why I'm reaching out to the CFPB today. 

Thank you Sign XXXX XXXX agent beneficiary Without prejudice All natural inalienable rights reserved. 


Referencing sales and goods Act The deception practices act The registration act Truth and lending 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 explanation
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
in accordance with the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair act 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 according to 15 USC 1681 ( a ) ( b ) And according to 15 USC 1681i 5 they suppose to do this ( XXXX ) treatment of inaccurate or unverifiable in formation ( A ) in XXXX, after any reinvestigation under paragraph ( XXXX ) of any information in disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( XXXX ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681 s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-23 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
Ive recently received a copy of my credit report and noticed serval inaccurate and unauthorized accounts/information reporting to my credit report. These remarks have been XXXX XXXX XXXX XXXX  and credit 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 2024-06-23 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
I asked each credit bureau for proof that the United States XXXX or I requested them to report a bankruptcy on my credit report. They never provided proof. I asked the court did they report bankruptcies on consumer 's credit. They said they do NOT ever request bankruptcies to be reported to the credit bureaus. 

The credit bureaus violated FCRA XXXX ( a ) ( XXXX ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit report file. The XXXX XXXX XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( a ) states they are required by federal law to verify through physical verification of the original signed consumer contract and or / judgement ( XXXX ) - all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.

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