vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-22 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX, GA XXXX RE : YOUR INVESTIGATION WITHOUT PHYSICAL VERIFIABLE PROOF RE : INQUIRY WITHOUT VERIFIABLE PERMISSIBLE PURPOSE RE : REFUSAL TO SEND ACDV, CARBON COPIES, FROZEN SCANS RE : REFUSAL TO SEND INVESTIGATIVE CONSUMER REPORT, CONSUMER FILE, CONSUMER REPORT I AM COMPILING ALL INFORMATION PRE-LITIGATION/PRE-ARBITRATION I XXXXXXXX XXXXFederally Protected Consumer to XXXX, EQUIFAX, XXXX. I am a natural person who is at all times relevant. 

Your agency has stated you have completed a proper investigation into EACH soft and hard inquiries you have allowed without my written consent. WHY WERE EACH OF THESE INQUIRIES MADE AND PLEASE SEND ME EACH COMPANY PHYSICAL VERIFIABLE PROOF OF THEIR PERMISSIBLE PURPOSE TO HAVE ACCESS TO MY CONSUMER REPORT. 
Your agency has stated you have completed a proper investigation into EACH ACCOUNT I previously requested your agency investigate. Your agency stated you have contacted each Creditor And you verified each account in question as verified accurate, correct, and complete. PLEASE SEND ME PHYSICAL VERIFIABLE PROOF FROM EACH CREDITOR IN QUESTION OF PROOF EACH ACCOUNT IS REPORTING ACCURATELY, CORRECTLY, AND COMPLETELY. 
( ( PLEASE PROVIDE ALL REQUESTED ITEMS BELOW AFTER INVESTIGATIONS ) ) ACDV- PLEASE PROVIDE FOR MY RECORDS FROZEN SCANS- PLEASE PROVIDE FOR MY RECORDS CARBON COPIE-PLEASE PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF OF INVESTIGATIONS WHAT PROCEDURES USED TO VERIFY YOU ARE PROTECTING MY IDENTITY PLEASE SEND A COPY OF EACH INVESTIGATIVE CONSUMER REPORT, CONSUMER FILE, CONSUMER REPORT YOUR AGENCY CONTINUES TO IGNORE EACH REQUEST IN EACH CORRESPONDENCE. I AM COMPILING ALL EVIDENCE AS REQUIRED FOR DISCOVERY IN COURT AND/OR ARBITRATION VERY SOON THANKS. 
15 USC 1681e : Compliance procedures 15 USC 1681b : Permissible purposes of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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:
I asked the credit bureaus to do a verification of ALL information on my credit report, they stated that they did and stated everything was accurate. After doing a thorough research myself and found improper Inaccuracy on my report after they stated that they verified ALL information to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: MD

Complaint narrative:
The Discover Credit Card company has been double charging me interest/fees for over a year. The company made it a routine to itemize the interest fee and then add a slightly larger amount to the overall balance. This has been occuring for a very long time and needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: FL

Complaint narrative:
An accordance with the Fair Credit Reporting Act XXXX Account # 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 Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-06-22 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: FL

Complaint narrative:
An accordance with the Fair Credit Reporting Act XXXX Account # 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 Account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: AL

Complaint narrative:
I asked the credit bureaus to do a verification of ALL information on my credit report, they stated that they did and stated everything was accurate. After doing a thorough research myself and found improper Inaccuracy on my report after they stated that they verified ALL information to be accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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:
I asked the credit bureaus to do a verification of ALL information on my credit report, they stated that they did and stated everything was accurate. After doing a thorough research myself and found improper Inaccuracy on my report after they stated that they verified ALL information to be accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : YOUR INVESTIGATION WITHOUT PHYSICAL VERIFIABLE PROOF RE : INQUIRY WITHOUT VERIFIABLE PERMISSIBLE PURPOSE RE : REFUSAL TO SEND ACDV, CARBON COPIES, FROZEN SCANS RE : REFUSAL TO SEND INVESTIGATIVE CONSUMER REPORT, CONSUMER FILE, CONSUMER REPORT I AM COMPILING ALL INFORMATION PRE-LITIGATION/PRE-ARBITRATION I XXXX XXXX/Federally Protected Consumer to XXXX, XXXX, EXPERIAN. I am a natural person who is at all times relevant. 

Your agency has stated you have completed a proper investigation into EACH soft and hard inquiries you have allowed without my written consent. WHY WERE EACH OF THESE INQUIRIES MADE AND PLEASE SEND ME EACH COMPANY PHYSICAL VERIFIABLE PROOF OF THEIR PERMISSIBLE PURPOSE TO HAVE ACCESS TO MY CONSUMER REPORT. 
Your agency has stated you have completed a proper investigation into EACH ACCOUNT I previously requested your agency investigate. Your agency stated you have contacted each Creditor And you verified each account in question as verified accurate, correct, and complete. PLEASE SEND ME PHYSICAL VERIFIABLE PROOF FROM EACH CREDITOR IN QUESTION OF PROOF EACH ACCOUNT IS REPORTING ACCURATELY, CORRECTLY, AND COMPLETELY. 
( ( PLEASE PROVIDE ALL REQUESTED ITEMS BELOW AFTER INVESTIGATIONS ) ) ACDV- PLEASE PROVIDE FOR MY RECORDS FROZEN SCANS- PLEASE PROVIDE FOR MY RECORDS CARBON COPIE-PLEASE PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF OF INVESTIGATIONS WHAT PROCEDURES USED TO VERIFY YOU ARE PROTECTING MY IDENTITY PLEASE SEND A COPY OF EACH INVESTIGATIVE CONSUMER REPORT, CONSUMER FILE, CONSUMER REPORT YOUR AGENCY CONTINUES TO IGNORE EACH REQUEST IN EACH CORRESPONDENCE. I AM COMPILING ALL EVIDENCE AS REQUIRED FOR DISCOVERY IN COURT AND/OR ARBITRATION VERY SOON THANKS. 
15 USC 1681e : Compliance procedures 15 USC 1681b : Permissible purposes of consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I was contacted by Human Resources from my old employer on XX/XX/XXXX with a garnishment. I appealed the garnishment and went back to court XX/XX/XXXX. On XX/XX/XXXX the judge lifted the garnishment and set a new trial date for XX/XX/XXXX. 
On XX/XX/XXXX, I contacted XXXX and XXXX on behalf of Bank of America and disputed the debt due to Fraud/Identity Theft. I also contacted Bank of America and they said that the account was opened in XXXX and the last activity was in XXXX. They stated that they are not able to help me because it is not reporting on my credit any longer. XXXX and XXXX who is the attorney on behalf of Bank of America will not provide me with any documentation. I asked for verification of debt, or a copy of the application and I have not received any documentation. 
XXXX and XXXX served a Warrant in Debt to an old address and obtained garnishment. I sent the courts the paperwork to reflect that I was not a resident of XXXX  at that time and was a resident of XXXX. We had a telephonic interview. They rescheduled the court date for XX/XX/XXXX and I have to drive 4 and a half hours for a debt that I did not take out. 
I am looking for XXXX and XXXX to stop their collection action on a debt that is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
it is a company called " Portfolio recovery '' they are constantly calling and threatening. They even had someone come up to my XXXX XXXX XXXX daughter in the car while she was getting in and handed over documents when we lived in florida. My daughter was scared and crying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PMGI, LLC
State: CA

Complaint narrative:
A collection company PMGI Financial Inc ( XXXX XXXX managing member/owner ) used their Inhouse attorney XXXX XXXX XXXX to file a time-barred debt collection law suit against me. The original creditor is XXXX XXXX who sold the debt to XXXX XXXX XXXX and the collection processes continued. 

The partner law firm of XXXX and XXXX law firm thereafter proceeded to file various documents, some of which without serving me, until they obtained a Judgment. 

PMGI Financial Inc do not have a permissible reason to run my credit report. The neglectful actions of this firm has caused me furthermore financial harm. Due to my seriously distressed financial condition, it has been quite difficult to progress in a new line of work that I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: FL

Complaint narrative:
I asked the credit bureaus to do a verification of everything on my credit report and they did and stated everything was accurate and VERIFIED. I did research myself and found improper Inaccuracies to my credit report even after they did a research on my credit report. 

Name of Account - XXXX # XXXX Name of Account - XXXX XXXX XXXX # XXXX Name of Account - XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX  account # XXXX has Violated My Rights. 

In accordance with the Fair Credit Reporting Act XXXX  account # # XXXX has Violated My Rights In accordance with the Fair Credit Reporting Act XXXX  account # XXXX has Violated My Rights. 

15 U.S.C 1681 Section 602 A : States I have a 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 2022-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Dear Sir/Madam, On XX/XX/XXXX, BOA froze my checking account ending in XXXX. I reached out to the BOA and found out that it was a business decision they took to freeze my account but they wouldn't close the account and release my money ( tax refund and stimulus money ) till the issue with my other checking account ending in XXXX is closed. Basically keeping my money XXXX in the account XXXX. 

Regarding XXXX, we suspected fraud activity on this account on XX/XX/XXXX and the account has been in the credit only state since then i.e. XX/XX/XXXX. The balance in that account was {$190.00} before it went into credit only state. Now the balance is XXXX cents due to all the BOA holding fees. But BOA is not able to close this account due to fraud transactions ( XXXX XXXX  ) always in the pending/processing status. I have spoken to Fraud dept multiple times in last XXXX months, they just not able to block these fraud ACH transactions but told me not to worry about it as the account is in credit only state, the transactions wouldnt post but they wouldnt be able to close this account with transactions pending. 

I have been calling literally everyday since XX/XX/XXXX. On XX/XX/XXXX i was told there was no pending transaction on XXXX account yet the risk and closure dept wouldn't close the account due to pending review. Risk and closure dept keep giving me tentative closure dates and then push the dates out. When I ask, I just get told they can do that its per the contract I signed before opening the account. 

At this point, I'm out of sorts and frustrated. Your immediate attention regarding this issue will be highly appreciated. 

Thanks, 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 monetary relief
Consumer complaint received 2022-06-22 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: CA

Complaint narrative:
I submitted a request for a follow suit on a collections account. I sent the information to Experian and the collection account came back verified through Experian. When XXXX attempted to verify the debt they couldn't so they in turn DELETED the account. There would be no way one could verify the account and the other can't. This does not provide for MAXIMUM POSSIBLE ACCURACY WITH MY 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 2022-06-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Requested XXXX transfer of all assets ( All cash ) to XXXX on XX/XX/XXXX & from my other XXXX account on XX/XX/XXXX. 

Both XXXX  were rejected by XXXX, I then submitted multiple times ( I have proof of each attempt ) XXXX one time distribution pdf form ( with Driver License photo and wet-Signature ) for them to close my accounts ( CMAs ) and wire my holdings to XXXX XXXX XXXX XXXX. 

Every submission ( certified mail was rejected as no one of authority available to sign for it ), secure document uploads on multiple dates prior to their account closure and wire out before they locked me out of my accounts, as well as my plethora of phone calls, in-person meetings with XXXX XXXX of their XXXX, CA branch XXXX he would call and get dead-ended in front of me ), hour-long on-hold calls to them. 

Finally, they mail me their official account closure notice ( as though I have not been constantly requesting as such for over a month now ). 

I went in to their XXXX, CA XXXX again to be told that I am not allowed to wire out my own money which they have been playing keep-away from me for the past month. 

Instead, their letter details their audacity to ask me how I want my money & that they would distribute a check on XX/XX/XXXX if I did not indicate that I wanted my money now. 

This whole process has been a proverbial and literal slap in the face, I realize other firms operate with a semblance of professional integrity and so I feel compelled to report their blatant mishandling of my assets I made the mistake of entrusting them with. 

Everything is documented, including on their end, so I ask you, the regulatory body that can compel them to be held accountable for such blatantly unacceptable behaviors- to make sure they are held accountable and that this happens to no one else. 

As of XX/XX/XXXX, XXXX XXXX of their XXXX, CA branch was able to get their central processing division/team to supposedly approve an incoming ACATS transfer to either my XXXX brokerage accounts or my Vanguard accounts XXXX why I am bound to these limiting conditions they conveniently placed onto me ( ignore all my account closure+wire requests, and ultimately provide me with such a limiting and inconvenient scope of accessing my own money ), befuddles me. I hope you guys can figure that out, as clearly I, as I, as an individual investor, mean absolutely nothing to this corporate giant.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22 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:
This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.I believe information in your file results from identity theft, I have the right to ask that a consumer reporting agency block that information from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: CT

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. states 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 2022-06-22 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: CT

Complaint narrative:
In accordance with the fair credit reporting acXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022, I wrote to the agency requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from them or any acknowledgment that an investigation has begun.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: CA

Complaint narrative:
I submitted a request for a follow suit on a collections account. I sent the information to Equifax and the collection account came back verified through Equifax. When XXXX attempted to verify the debt they couldn't so they in turn DELETED the account. There would be no way one could verify the account and the other can't. This does not provide for MAXIMUM POSSIBLE ACCURACY WITH MY REPORT.

Company response to consumer: Closed with explanation