vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-10 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: NC

Complaint narrative:
I have submitted multiple request to update my loan information with disputes. I've provided documents and I have been on the phone with 3 people XX/XX/XXXX for about 2 hours with XXXX. 

I'm getting denied credit because of their error... they have the XXXX payment showing at {$1500.00} and it is not correct... it's should be {$0.00} until XX/XX/XXXX.. next year and then it will go to {$470.00} ... this is hurting my debt to ratio and killing any changes of my being able to get credit. 

XXXX had my income incorrect... I was able to manually correct that ... but the monthly payments can not be changed. See the attached document for the details. 

NOTE : Please send this information to all the Credit Bureau 's ... so that we will be sure that all will be resolved soon... if there are issues. Thank You, XXXX XXXX XXXX Cell

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-03-10 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: NV

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. 

Account : XXXX XXXX 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 instruction.

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 2023-03-10 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: TN

Complaint narrative:
Fraudulent account was opened in my name early XXXX Bank of America will not close account, has denied fraud claims. 

I only want account closed

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 2023-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Apple Card closed my account after they claimed disputes of the goods i had used. I had contacted Apple with the hope of a resolution but I have not heard back. I would want AppleCard to reinstate my account fully.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
Back in the early month of XX/XX/2022 I contacted this company for validation of the debt they have inaccurately reported to my credit profile. I have found *several* inaccuracies on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus. I kindly request this item to be removed completely, never to be added back again. I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially. The history for XXXX and XXXX is missing -- COMPLETELY. The history for XXXX has gaps in payment history and differs from the other reports that XXXX and XXXX has provided. The last activity dates are inconsistent and seemingly updated randomly. The account status is inconsistent across the bureaus -- showing closed AND open. Again, this is a very clear-cut violation of the Fair Credit Reporting Act. This company does NOT care about reporting accurate information -- nor do they care about customer complaints when said customer is a victim of identity theft. I need something done about this immediately!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I am filing a complaint with Bank of America for allowing garnishment of my Missouri based checking account without my knowledge or consent to process payments to the California Tax Franchise Board that it submitted in error to Bank of America. In addition I am filing a complaint about fees charged to me of {$250.00} from Bank of America on 2 separate dates. 
XX/XX/XXXX Bank of America a garnishment of {$80.00} to be paid to an out of state debtor without my knowledge or consent. They also withdrew a payment of {$120.00} paid noted on my account as " XXXX XXXX XXXX  '' and a {$10.00} overdraft fee. In violation of Missouri Statute 525.030 Bank of America allowed more than {$210.00} of the total amount of my payroll deposit of {$360.00} ( garnishment from out of state entity ) to be withdrawn without my consent or knowledge. On XX/XX/XXXX Bank of America allowed a withdrawal of {$160.00} to legal LTS and a withdrawal of {$120.00} noted as " legal lts fees ''. Again in violation of Missouri Statute 525.030 a total of {$280.00} of the {$230.00} of my payroll deposit was withdrawn. 
On XX/XX/XXXX I was notified by the California State Franchise Tax board that the garnishment request submitted to Bank of America was done in error and that they erronously had been collecting fees for a debt that was in fact paid and no longer owed. XX/XX/XXXX The State of California submitted a notice to Bank of America regarding the error and requested that the monies withheld be returned back to me. On XX/XX/XXXX and XXXX Bank of America refused my request to return to me the money withheld and the fees charged to me. After 3 requests and receiving the information from the State of California they did agree to refund one of the {$120.00} fees but still refuse to refund any other funds they withheld. All of the funds withheld were withheld illegally, in violation of State and Federal law and withheld based on a error of the state of California. Bank of America violated my consumer rights and continues to refuse to release back to me the money they illegally withheld from my checking account.

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 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have contacted Experian and a credit repair company too they have my address wrong. They have 2 addresses combined that XXXX wrote incorrectly and they did not fix it after I told them. Its not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Neither is my address anymore and I have submitted multiple requests to fix it. I am an identity theft victim as well

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 2023-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
I have addresses tied to my credit report that I've never live in my life. One account is from XXXXXXXX XXXX as well as XXXX ; Those accounts opened at a time when I was incarcerated for 4 years ( XXXX ). According to the FCRA inaccurate information must be removed. Currently I am awaiting compensation from the XXXX data breach that took place during the pandemic my personal information was exposed. Also, there are accounts on my profile that has been sold to debt collectors during my 4 year period of XXXX and by law I never received a debt validation letter. Also, I've sent in multiple dispute letters and also identity fraud accusations with an open dispute with identitytheft.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 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 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I submitted a complain to Bank of America on XX/XX/XXXX they failed to chargeback the merchant I present police report I requested documents and they sent me some documents saying they verify my information which is not true my business debit card is in my business name and address its not the same bank America its failing to investigate because of this paperwork which is only copies of transactions where is the proof I provided them my info a signature my bank statements they say they verify my account is not true this is a scam I file a police report and identity theft because my identity got stolen and instead of helping me and charging back this scammers they failed too chargeback until XXXX XXXX a month after the fact and worst info cant match at all first because thats fraudulent info!!! My adress is not that and my debit card is in business name and different adress red flag everywhere they can recognize they make a mistake!!! Two claims are open am no resolution because they side with scammers where is the info matching for my business where is the papers they say I provided to authorize this transactions!!!

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 2023-03-10 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: GA

Complaint narrative:
The Federal Student Loan company sent a letter confirming that they would update my current status and I wanted to submit the new letter to 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 2023-03-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The Federal Student Loan company sent a letter confirming that they would update my current status and I wanted to submit the new letter to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The Federal Student Loan company sent a letter confirming that they would update my current status and I wanted to submit the new letter to 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 2023-03-10 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: TX

Complaint narrative:
see the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
My mother opened a USAA savings and checking account as well as credit card and now the bank has opted to no longer do business with me. Now they say I owe {$680.00} and it's being sent by a debt collector. I know I didn't make any charges or use this money they are asking for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
All inquiries I did not approve

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 2023-03-10 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Ok, I made a wireless payment on Friday XX/XX/2023 to an investment company and was told by Wells Fargo online banking it was on hold and go to the bank and show ID and yourself. At that time they froze my account access and even my debits to XXXX. The entire weekend. 
I drove down to Wells Fargo and spoke with XXXX the manager and here is what happened. : ] The manager got the wireless transfer people on the phone after she put her other appointments on hold. They told her and i they would give me an cal me and give me an answer whether they would approve it or not in 2 days. Well they did not call so I called them on the XX/XX/XXXX, 2 days later and I asked Wells Fargo wireless transfer division if they had an answer about my wire transfer being approved. Their answer was they told me to go with an Id and see a branch manager. I had told them that I already did that and they said that was a final word to me. Do it ... What a joke..since then they have shut down my online access agian as a punishment for me not bowing to the al mighty Wells Fargo kings and queens. Sorry, i WILL FIRE THEM FIRST!!!! 
Wells Fargo disclaimers and terms and conditions does not make them my XXXX. 
They have no business telling me or anyone else where and when and how we spend our money. This is not what the Constitution of the United States of America says. 
So to date they have not called or did anything with this so I cancelled the wire transfer. 
That means us Veterans can not do it but XXXX customers can send wireless transfers all day to XXXX XXXX ( and other parts of the world ) in the billions a year but me as a citizen in good standing in this country can not within country.????

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 2023-03-10 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: VA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$370.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$3000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-03-10 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:
I have made attempts to reach out to Equifax and XXXX in attempt to request that the hard inquiries be removed from my credit report as I did not authorize them. They have confirmed receipt of the request and refused to remove the following inquiries from my credit report. 

XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation