vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-25 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:
It saddens me that I have account ( s ) on my credit report that are illegally being reported hence withholding me from seeking new lines of credit. XXXX, Equifax, XXXX and the original creditors are BREAKING THE LAW. I have disputed these alleged accounts with XXXX, XXXX Equifax on -- -- -- -- -. The account ( s ) from XXXX XXXX with the account number ( s ) XXXX & XXXX.The account from XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) with the account number XXXX which is reporting on my XXXX and Equifax need to be removed. XXXX, XXXX, & Equifax are in violation of 15 U.S. Code 1681b which states in subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX, never gave XXXX, XXXX, or Equifax any written consent to report anything on my consumer report. No consent is in fact identity theft. Additionally, they are also in violation of another code. They are also violating18 U.S. Code 1028A : Aggravated Identity Theft which states ( a ) Offenses Pursuant to subsection ( a ) Whoever, during and in relation to any felony violation, knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. The law states that whoever knowingly transfers, or uses, without authority, a means of identification of someone shall, in addition to the penalties for such general felony, will be sentenced to imprisonment of 2 years, or 5 years for terrorism. Hence, I, XXXX XXXX, never gave XXXX, Equifax, or XXXX any written consent to transfer, or use, without authority, a means of my identification. No consent is indeed identity theft. I demand to see a affidavit singed by a, XXXX, XXXX, or Equifax supervisor or executive detailing where I gave them written consent to transfer my identification!!!! You have violated U.S. Code 1028A. I have tried endlessly to remove these accounts with the credit bureau and creditor they have failed to remove the information they illegally furnished. Sadly, I will have no choice but to stop extending my credit report to anyone if this can not be resolved. I know my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: TX

Complaint narrative:
Date : XXXX XXXX XXXX I reached out to confirm information and amount and I am unsure when I was charged this amount and have had no resolution.

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 2022-02-25 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: TX

Complaint narrative:
I am very concerned about the items listed below that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I have been going back and forth with the bureaus for over 7 months now! I ask that you delete these accounts immediately, or I will be filing a legal complaint against you! These are violations of the FCRA and effecting my everyday life all XXXX accounts are inaccurate in several ways and need to be deleted immediately from all 3 bureaus XXXX  Card several inaccuracies and need to be deleted immediately from all 3 bureaus. 
Never had any account with XXXX XXXX and also several inaccuracies reported and should be deleted immediately from all 3 bureaus

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 2022-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I have reached out recently on today 's date XX/XX/22 in reporting identity theft on my credit from TD bank of an Indenifty theft impersonator that had opened a credit card and account using my name to do so, I did talk with TD banks customer care fraud department representative to resolve the matter personally as I haven't opened a credit card with them in person or online. Did not give me a clear date when the issue with my credit identity fraud would be resolved just that it will be reported. Also in note i only use one bank debit card from XXXX bank as my only and current card for any financial deposits and withdrawals What was recevived by me by mail today was a credit overdraft statement from td bank Amount due back to TD bank still was XXXX beginning balance was XXXX desposits XXXX electronic deposits XXXX other withdrawals XXXX service charges XXXX ending balance was XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
A month ago I opened a business account with Bank of America. After depositing {$15000.00} into the account at branches while waiting for card tied to acct to arrive in mail. I needed to send a wire transfer to purchase equipment to build my small business. I went into the bank branch and was basically told that I could not send a wire transfer without the card. I was told to just wait a few more days for the card to arrive. After waiting a full week more for the card I went back into the branch and was told again I couldn't send a wire transfer from my business acct without the card. So I transferred the balance of my business acct to my personal checking acct and was finally able to send my wire transfer. This delay cost me {$1000.00}. An amount that as a small business definitley hurts. To this I was just told " sorry ''. After finally being able to use my own money through my personal checking acct I closed my business acct with Bank of America. Still keeping my personal savings and checking accts while I found a new banking institution to take my business to. The next evening I tried to purchase a {$2.00} stock photo for my business website with my debit card only to be told there was a problem with my card. I have now been on the phone with Bank of America XXXX service for close to an hour because for some reason, ( no one can tell me why ... ) my debit card was cancelled. There are no notes or reasons on my acct as to why it was cancelled. Basically leaving me with no access to my funds since I left the bank yesterday. They have told me they can not turn my card back on, but can send me a new card. No, I can not wait who knows how long for a new card to access my money. Money that the bank has no problem letting someone else use for their profit. so as of now I have no access to the {$12000.00} in my checking and savings acct. Also now since my card has been turned off none of my saved payments ( Mortgage, cell phone, etc ) will work. If this is not resolved soon I will end up with a late payment to mortgage company that affects my credit and livelihood. This is the most unacceptable treatment of a customer I have ever experienced. And at this moment Im being told by XXXX ( would not give me last name and would not transfer me to his boss ) that there is nothing they can do to help me.

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 2022-02-25 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: KY

Complaint narrative:
I recently received updated copies of my XXXX and TransUnion credit reports. I noticed a collection account on both of them upon review. 

I have no knowledge of the apparent Collection Agency ( XXXX XXXX XXXX ) or the Original Creditor ( XXXX XXXX XXXX XXXX ). According to my Credit Reports, this debt became delinquent on XX/XX/2019. 

I am providing a copy of the letter i forwarded to the Collection Agency requesting validation of the debt in addition to other things necessary for me to ascertain the validity of such.

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 2022-02-25 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: KY

Complaint narrative:
I recently received updated copies of my Equifax and XXXX credit reports. I noticed a collection account on both of them upon review. 

I have no knowledge of the apparent Collection Agency ( XXXX XXXX XXXX ) or the Original Creditor ( XXXX XXXX XXXX XXXX ). According to my Credit Reports, this debt became delinquent on XX/XX/2019. 

I am providing a copy of the letter i forwarded to the Collection Agency requesting validation of the debt in addition to other things necessary for me to ascertain the validity of such.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: MS

Complaint narrative:
On or around XX/XX/21 the balance of my checking account was stolen and fraudulently spent at an online casino despite my attempts to contact the bank and the casino and report the activity while it was still in the pending stage. Despite my reports that the pending charges were fraudulent the bank released the funds to the casino whom never bother to respond to any of my attempts to co tact them/. 

Afterwards, the bank ignored my efforts to report the fraud claiming that the complaint of fraud that was uploaded were not properly submitted, unreadable, cant the case was not opened despite my habdwtitten complaint mailed to their office. From there I would be places on lengthy holds ranging From hours and told that supervisors were not avalibke to take my calls. Call backs were never followed through on their part and any attempt to contact them further is met with a low level employee stating that there are No supervisors to take my call. 

Subsequently the investigation from around the same time against another vendor was found in my favor and the bank sent correspondence to tell me my phones have been placed back into my account which had been close months prior. All further contact with the bank was always met with supervisors being busy long wait times being hung up on, and. General disdain. On XX/XX/XXXX I was on hold a total of more than three hours told that there were no supervisors available to take my call that they were on our phone calls and one would call me back however on XXXX the XXXX The promised callback never happened the bank never contacted me so I called them it was placed again on a link the whole time exceeding over 5? hours refusing to hang up and the call disconnected through an employee that would not furnish her name.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Transunion has failed to verify and report accurate information on my report once again. They allowed the original lender to falsely create a open and close date for an account that dates back to late XXXX. The account was closed in XX/XX/XXXX. The date they allowed the lender to report is showing XX/XX/XXXX. I am in the middle of a mortgage. If they fail to respond in a timely manner I will take legal action if this causes me any more hardship. Their inability to comply with FCRA guidelines and verify accurate account history and information is unacceptable. The only way that seems to work is getting another party involved.

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 2022-02-25 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: NC

Complaint narrative:
Dear Sirs ; I was questioning a closed account reporting as a charge off. I pointed out a few of the mistakes in their reporting. By law if something is reported incorrectly that item should be removed from the report. Experian did not do that. Experian took the information I was pointing out and fixed the credit listing to reflect the correct information that I was questioning. I might not know all the rules of credit reporting but that looks illegal to me. I was under the thought that incorrect information lead to the removal from your report. XXXX used my own information against me and called it a update.

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 2022-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
It saddens me that I have account ( s ) on my credit report that are illegally being reported hence withholding me from seeking new lines of credit. XXXX, XXXX, TransUnion and the original creditors are BREAKING THE LAW. I have disputed these alleged accounts with XXXX, TransUnion XXXX on -- -- -- -- -. The account ( s ) from XXXX XXXX with the account number ( s ) XXXX & XXXX.The account from XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) with the account number XXXX which is reporting on my XXXX and XXXX need to be removed. XXXX, TransUnion, & XXXX are in violation of 15 U.S. Code 1681b which states in subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX, never gave XXXX, TransUnion, or XXXX any written consent to report anything on my consumer report. No consent is in fact identity theft. Additionally, they are also in violation of another code. They are also violating18 U.S. Code 1028A : Aggravated Identity Theft which states ( a ) Offenses Pursuant to subsection ( a ) Whoever, during and in relation to any felony violation, knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. The law states that whoever knowingly transfers, or uses, without authority, a means of identification of someone shall, in addition to the penalties for such general felony, will be sentenced to imprisonment of 2 years, or 5 years for terrorism. Hence, I, XXXX XXXX, never gave XXXX, XXXX, or TransUnion any written consent to transfer, or use, without authority, a means of my identification. No consent is indeed identity theft. I demand to see a affidavit singed by a, XXXX, TransUnion, or XXXX supervisor or executive detailing where I gave them written consent to transfer my identification!!!! You have violated U.S. Code 1028A. I have tried endlessly to remove these accounts with the credit bureau and creditor they have failed to remove the information they illegally furnished. Sadly, I will have no choice but to stop extending my credit report to anyone if this can not be resolved. I know my rights.

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 2022-02-25 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:
It saddens me that I have account ( s ) on my credit report that are illegally being reported hence withholding me from seeking new lines of credit. Experian, XXXX, XXXX and the original creditors are BREAKING THE LAW. I have disputed these alleged accounts with Experian, XXXX XXXX on -- -- -- -- -. The account ( s ) from XXXX XXXX with the account number ( s ) XXXX & XXXX.The account from XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) with the account number XXXX which is reporting on my Experian and XXXX need to be removed. Experian, XXXX, & XXXX are in violation of 15 U.S. Code 1681b which states in subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX, never gave Experian, XXXX, or XXXX any written consent to report anything on my consumer report. No consent is in fact identity theft. Additionally, they are also in violation of another code. They are also violating18 U.S. Code 1028A : Aggravated Identity Theft which states ( a ) Offenses Pursuant to subsection ( a ) Whoever, during and in relation to any felony violation, knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. The law states that whoever knowingly transfers, or uses, without authority, a means of identification of someone shall, in addition to the penalties for such general felony, will be sentenced to imprisonment of 2 years, or 5 years for terrorism. Hence, I, XXXX XXXX, never gave Experian, XXXX, or XXXX any written consent to transfer, or use, without authority, a means of my identification. No consent is indeed identity theft. I demand to see a affidavit singed by a, Experian, XXXX, or XXXX supervisor or executive detailing where I gave them written consent to transfer my identification!!!! You have violated U.S. Code 1028A. I have tried endlessly to remove these accounts with the credit bureau and creditor they have failed to remove the information they illegally furnished. Sadly, I will have no choice but to stop extending my credit report to anyone if this can not be resolved. I know my rights.

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 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am very concerned about the items listed below that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I have been going back and forth with the bureaus for over 7 months now! I ask that you delete these accounts immediately, or I will be filing a legal complaint against you! These are violations of the FCRA and effecting my everyday life all XXXX accounts are inaccurate in several ways and need to be deleted immediately from all XXXX bureaus XXXX XXXX  several inaccuracies and need to be deleted immediately from all XXXX bureaus. 
Never had any account with XXXX XXXX and also several inaccuracies reported and should be deleted immediately from all XXXX bureaus

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 2022-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I have had several accounts with VENMO and the last one I had was under the name : XXXX XXXX ( XXXX ) Little-Theo-Brother ... 

I have been getting my XXXX XXXX sent there on and off for months. There has been entirely too much hassle updating my profile and getting access to my funds. The representatives have been difficult and rude to me and constantly denied access to my funds I have about 2000 funds in my personal and business accounts, XXXX XXXX XXXX. 

Almost every day of the past three weeks I have dealt with the staff unsuccessfully. These are a few of the references numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these have resulted in my funds being frozen and denied a refund check or direct deposit for 180 days without interest which is in acceptable. 

I am a top member of the US intelligence community and they have even insinuated that I am a drug dealer using this account to launder funds. 

The only monies coming to this or any accounts in the past have been from the US TREASURY.

I DO NOT RECOMMEND THIS ORGANIZATION TO KEEP ITS LICENSE TO OPERATE IN THE US.

Company response to consumer: Closed with non-monetary relief