vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Re : Dispute of Incorrect Information on Credit Report As my second attempt for resolution as your recent response to my request for reinvestigation left me alarmed. Your vague response was that the aforementioned accounts were " updated ''. However, According to FCRA 15 U.S.C. 1681i ( a ) ( XXXX ) ( B ), your agency is suppose to provide and/or source of the information to which deemed this result. You did not comply with this law and thus, I am writing to again dispute as I am in the process of purchasing my first home. These fraudulent items are causing adverse actions hindering me from moving forward. The following fraudulent accounts on my credit report that I have recently become aware of. The accounts in question are : Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX ... 

Account name XXXX XXXX XXXX XXXX Account number XXXX. 

I have no knowledge or record of this account sand I believe this represents a mistake on the report 1 have not supplied proof under the doctrine of estoppel by silence, Engelhardt v gravens ( mo ) 281 sw 715,719, i presume that no proof of the alleged debt, nor therefore any debt, in fact therefore exists The FCRA, under its purpose and intent in Section 1681 ( previously Section 602 ), was enacted to protect the privacy of consumers, and I believe this has been violated in my case.

Furthermore, under FCRA Section 604, " Permissible purposes of consumer reports '' ( 15 U.S.C. 1681b ), a consumer reporting agency is allowed to furnish a report only under certain circumstances, which I believe have not been met in my situation.

Therefore, I respectfully request that you promptly investigate this matter and, if my complaint is found to be justified, promptly delete the disputed item from my credit report.

In addition, I request copies of the documentation verifying the debt and the identity of the original creditor, in accordance with Section 609 ( 15 U.S.C. 1681g ).

Please acknowledge receipt of this letter and inform me of the results of your investigation.

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 2023-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Commencing on or about XX/XX/2022, I fell victim to XXXX multi - layered scam operations run by " XXXX XXXX '' and an " XXXX agent '' which involved me making deposits for a total amount of XXXX usd from XXXX XXXX XXXX account to fraudulent investment firm ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
XXXX  % XXXX check could not be processed by a XXXX  insurance carrier. The Check has the customary XXXX line with Routing Transit & Account number along with Item number encoded. 
On the first failed attempt BofA validated the XXXX line over the phone but could not locate an attempt for the item to clear the bank.

After XXXX attempts to process the XXXXl check supplied by Bank of America, I authorized the transaction using the card as the medium. 

In a followup call, BofA refused to honor the promotion by transferring the card based transaction into the promotion. 

In short, this scheme of providing Non-negotiatble checks constitutes a bait & switch in an attempt to defraud the customer. 

I requested he log a customer complaint in their XXXX system, which he committed to do, but could not ( or would not ) tell me if I would be contracted in response to the complaint. 

I informed him that I would make this regulator complaint to be sure the complaint was heard an acted on.

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 2023-07-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In accordance With the fair credit reporting act XXXX XXXX XXXX XXXX Has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Re : INCORRECT NAME SPELLING ON CREDIT REPORT Dear Sir/Madam , I am writing to dispute an incorrect spelling of my name on my credit report. I have attempted to get this resolved by contact your office however, the problem still exist. My correct name is XXXX XXXX XXXX, XXXX, but it you currently have several incorrect variations listed on my profile which is hindering me from proceeding with purchasing a home. This discrepancy has lead to a lot confusion Listed below are the entries of which I have never been known by and thus, I am asking that you removed them immediately and update my profile to reflect the correction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, Section 611 ( 15 U.S.C. 1681i ), I am challenging the accuracy of this information and request that it be investigated.

I am enclosing a copy of my GEORGIA state issued drivers license to verify my correct name. Please, investigate this matter promptly and correct the spelling of my name on my credit report.

Moreover, I request that you provide me with a written confirmation of this correction once it has been made.

Please send a confirmation that you have received my letter and inform me about the results of your investigation. 
Thank you for your attention to 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 explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: OUT TECH, INC.
State: PA

Complaint narrative:
Youve received a signed letter by me so far & two complaints to stop contacting me & I received a collection notice from your company again today. Consider this a pre litigation notice. If you contact me again after youve been told not to I will sue & I will win as I know my rights. Stop the harassment or I will take legal action against your agency. Its a promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to report a potential fraud or swindle that I have recently experienced. Today, I received a debit card under the business name of XXXX XXXX XXXX XXXX, issued by Square XXXX. However, I am not associated with this business in any way, and I did not request or authorize this debit card. 

I believe this may be a case of identity theft or fraud, and I am concerned about the potential risks and consequences of this unauthorized activity. I have already reported this incident to Square XXXX and filed a police report, but I am also contacting your agency for additional support and guidance. 

I would appreciate any assistance or advice that you can offer in this matter. I am committed to taking all necessary steps to protect my identity and prevent further fraudulent activity. Please let me know what additional information or documentation you may need from me to proceed with an investigation. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Netspend Corporation
State: AZ

Complaint narrative:
I purchased a net spend card putting XXXX on it to be told I cant register it that my money would be send my by check. I had a net spend card in the past that was stolen and used which I never got the money back on they just closed my XXXX taking my money.

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 2023-07-13 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: CA

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: MD

Complaint narrative:
applied for home loan and found this account on credit report. this account isnt mine and this is fraud account 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 2023-07-13 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: MD

Complaint narrative:
applied for home loan and found this account on credit report. this account isnt mine and this is fraud account 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 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Citi claims they sent me a card. They have not only NEVER verified any information when opening this account but has NEVER verified any information when calling about this account. At no time has anyone verified any PII with me and XXXX documentation has been provided except the fraud Citi has committed. I never received it but, there are over {$7300.00} in charges that no signed receipts have been provided when requested. This bank does NOT follow compliance. They have failed to provide any evidence on their investigations and have violated the FCRA and XXXX. They have sent me multiple communications, each one with a different name of the collection agency they sold my PII to. Which company actually has my information or is 3 different companies. 

By the way, I've never lived in New Jersey, yet the company they sold my information to illegally changed it which tells me that they're part of an identity theft ring.

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 2023-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Ive been fighting with Bank of America for over 5 years to delete PMI off my account. 

Processing time : 10 days I received a letter stating a property valuation is needed with a fee of {$100.00}. The letter stated once the fee is received it will take 10 days. 

The payment has been sent. On XX/XX/2023, I called Bank of America and spoke to someone named XXXX in PMI department. 

To my surprise he stated that letter is invalid because its more than 30 days-and the process would need to start over, which means the processing time will Not be 10 days as stated in that letter but 30 days or more. 

Its unfair to penalize the customer and further extend the processing time beyond 10 days because of a hidden not disclosed Bank policy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-13 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: LEXISNEXIS
State: TX

Complaint narrative:
XXXX CFPB can not do anything. I think FTC has to involve on this matter. I have sent my Identity theft has happened in XXXX no action on freeze my account. XXXX has closed case that XXXX as freeze my account after 5 Years ... on XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXXXXXX XXXX Reported XX/XX/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 2023-07-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX Reported XX/XX/XXXXXXXX XXXX  Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character. 

I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

" upon further research I found this company isn't even licensed to collect in my state ''. 
This is the second time i have complain about Eastern Account System of Connecticut they completely ignore my first complaint so i'm resubmitting. here is a copy of their response- I am happy to assist you, additional information is required to accurately locate the account in question. Please provide account number ; if you do not have the account number the amount reporting on your credit as well as the additional creditor. Please verify your date of birth as well. Thank you Please contact me @ XXXX- thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Recently on XX/XX/XXXX I opened a Citi business account in the branch with a representative in person and that account was closed a couple of days later due to fraud and this is the account I am complaining about. The letter just says, " I have violated the terms of the account per the client manual ''. I opened the account with my social security card and Drivers License and there has not been any activity in the account so I dont know what terms I violated. The account was opened less than a week and the account balance was 0. I linked one bank account by sending trial deposits and this is when I discovered that the account was closed. In the past I had a citi saving account randomly closed for fraud so I think that I am black listed in the data base. I can open accounts in person and over the phone and the account will be approved then later its systematically closed. This is frustrating because I've lived at the same address for many years, I am an normal W2 employee, and I open the accounts accurately using my real social, address and drivers license. There is no fraud. Now this business account was closed for reason that I don't know other than I violated something in the client manual which seems unlikely due to it being a 0 balance. Following up with the call center doesnt get me anywhere

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 2023-07-13 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: OneMain Finance Corporation
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello after recently reviewing my credit profile, I realize there are some inadequacies on my report. I contacted the bureaus to make them aware of unknown inquires. These inquiries were made without my consent, knowledge, or authorization. I sent out a number of letters on XX/XX/XXXX and again on XX/XX/XXXX. I have tried on a number of occasions to rectify the matter at hand with the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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  There is also a company on my report that I do not recognize, do business with, or give consent to to acquire my personal information. This is a direct result of fraud since theyve acquired my information for their own financial gains. I have disputed this account and made them aware they are indulging in fraud knowingly violating my consumer rights : XXXX XXXX XXXX XXXX Its ridiculous how easy it is for these companies to take advantage of me and make me a victim of their fraudulent and unethical practices.

Company response to consumer: Closed with non-monetary relief