vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank is reporting incorrect information as a part of their " free '' XXXX  score service. For the past two reporting periods they have reported inaccurate information, showing my credit score dropping significantly ( over 100 points ). Upon contacting them to inquire the reason, they point to the XXXX score as the basis of their score model. However, upon investigation with XXXX, there was no significant change to my XXXX credit score. Re-inquiry with Citibank with the explanation of this lead to no additional help or changes to the score from Citibank. Despite only having accounts with Citibank, and never having any accounts be deliquent or late, they still would not provide rationale as to why their XXXX score was negatively impacted by " late accounts ''. Upon my request to open a dispute for Citibank to investigate, the opening of the dispute was not confirmed via notification to me, nor was the status or supposed resolution of the case communicated.

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 2022-06-03 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: NC

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 confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2022-06-03 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: NC

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 confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello, And Thank you. I was making a purchase of a new home. Had email from title company saying to do wire transfer early. XXXX was coming and sellers were moving to a new town. Company letter head all good, phone numbers good, send massage to my Real Estate agent about early transaction she sent back Great Thank you. Did not find out till Tuesday at closing that we had been scammed. {$150000.00} sent, bank said no funds are recoverable. After a 10 day waiting period. The closing was on XX/XX/22 the email and transaction was on XX/XX/22. Hopefully something can be recovered, and people charged with the crimes. Real estate office we believe was hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: NJ

Complaint narrative:
unauthorized credit inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: PA

Complaint narrative:
On XX/XX/22 I disputed the accuracy of account XXXX XXXX XXXX XXXX # XXXX with TRANSUNION due to inaccurate information. TRANSUNION stated the account was properly investigated. I am disputing the validity of their " investigation '' because of the inaccurate and unverified information listed on the account. This is a violation of the FCRA. Also, the " Date of Last Activity '', " Date Reported '' and " Date Opened '' are inaccurate ( please see attached document of the two credit bureaus showing different dates ). These dates should match since the Credit Reporting agencies are supposed to get this information from the same creditor/lender/collection agency XXXX This is grounds for the removal of this inaccurate account from my credit report immediately. Furthermore, they have violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( i ) ( ii ). The law is very clear and states if items are inaccurate or can not be thoroughly verified, the Consumer Reporting agencies shall promptly delete the account from the consumer 's credit file. They have also violated my rights under 15 U.S.C Section 611 ( 2 ) ( a ). The law clearly states the Credit Reporting Agencies or Credit Bureaus have five days to notify me they have received my dispute- they did not.

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 2022-06-03 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Agency the following companies have made some violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681 Section 602A states I have a right to privacy 15USC 1681 Section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-06-03 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Agency the following companies have made some violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681 Section 602A states I have a right to privacy 15USC 1681 Section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: Consolidated Information Services Solutions, LLC
State: NJ

Complaint narrative:
I do not recognize the inquiry made by UNIVERSAL CREDIT SERVICE ( Miscellaneous ) XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
My name is XXXX XXXX. I opened an account at BBVA bank which was subsequently acquired by PNC Bank. On XX/XX/2021, payment of {$3100.00} for work performed for one of my clients was deposited in my account ( account # XXXX ). On XX/XX/2021, PNC removed the funds from my account. I subsequently received a notice dated XX/XX/2021, indicating that my account had been closed. 
Subsequent discussions with PNC personnel were an exercise in frustration since they would not return my funds nor provide an explanation why they refused to do so. After approximately XXXX hours of talking to multiple employees at the branch and other locations I was referred to, I received a cashiers check for the amount belonging to me. I deposited the cashiers check in my account at XXXX XXXX XXXX  and quickly learned that they placed a stop payment on the cashiers check. 
I have not received my funds and PNC personnel continue to be unresponsive on why my hard-earned funds are not being returned. Accordingly, your assistance on this matter would be appreciated. 
Attached are copies of the PNC account statement reflecting the removal of the funds from my account, the notice that my account was closed, and the statement from XXXX XXXX XXXX indicating the reversal of my deposit due to the PNC stop payment on their cashiers check.. 
Thank You for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
On XX/XX/2022, I sent {$1000.00} to XXXX XXXX XXXXXXXX XXXX XXXX as a deposit for a new fence, with Zelle XXXX through XXXX Bank XXXX I called him several times at XXXX, he said he was coming, then nothing! I found him on the internet, because of many other people he has scammed. I filed a complaint with Zelle, they said it was my banks problem, I called and filed a complaint with XXXX, they said sorry, we are not responsible. I filed a Police report with XXXX XXXX, TX, I do not think they even looked into this. I know now that I should of been more careful, but I thought this would be protected like a debit card, or credit card transaction. Institutions should not be able to provide a service they do not claim responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD

Complaint narrative:
My mortgage was transfer from XXXX to XXXX lake view with the rule of transferring mortgage with as it is without any changes. XXXX  lake view took the third party data and implemented escrow account without prior 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 2022-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: MI

Complaint narrative:
They did not provide original contract or an agreement with ALL parties involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XXXX, I mailed a dispute to TransUnion LLC for XXXX XXXX reporting on my credit report and I received a letter dated XX/XX/XXXX stating that they will not honor the dispute to validate information being on my credit report. This was NOT A " FRIVOLUS '' dispute and I am entitled to dispute any inaccuracy on my credit report and feel that I am being discriminated against. 

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). TransUnion LLC has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XXXX XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. TransUnion LLC should resort to reasonable procedures to rectify this affair. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.

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 2022-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I opened an XXXX XXXX interest free credit card with Barclays bank back in XXXX ( XXXX XXXX XXXX ). I had planned to pay out that account and not be charged any interest, however on XX/XX/XXXX I was charged the full {$1000.00} interest charge without being contacted by this institution. 

This took the balance from Previous Balance as of XX/XX/XXXX {$1600.00} Interest Charged + {$1000.00} Statement Balance as of XX/XX/XXXX = {$2600.00} I contacted the company and was unable to reverse the charge even though I was prepared to pay the card in full at that time. 

On XX/XX/XXXX I transferred the balance to a new XXXX  XXXX XXXX account and called the company to close out the account. 

I just logged back in out of curiosity and the account is still active! I contacted the bank ( I will attach the correspondence ) and was told I'd need to contact their RETENTION team. I have no wish to retain services with this bank and feel that not only is this charge predatory, but also this retention is more than unreasonable.

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 2022-06-03 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: NY

Complaint narrative:
15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a 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 2022-06-03 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:
List of violations ; 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 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 XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX  XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : 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 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing today to exercise my right to question the validity of the debt your agency claims I owe, pursuant to the FCRA, Fair Credit Reporting Act. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: IL

Complaint narrative:
I am a victim of identity theft. I contacted the company and told them i was a victim of identity theft. here and does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX  Balance {$130.00} XXXX, XXXX XXXX XXXX  Balance {$270.00} # XXXX, XXXX, XXXX {$440.00} # XXXX, XXXX  XXXX {$1300.00}, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  {$830.00} # XXXX XXXX  XXXX XXXX  {$1400.00} XXXX XXXX XXXX  XXXX XXXX I attached a copy of credit report as well. i could not attach on the next page

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 2022-06-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-06-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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