vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-02 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX ; XXXX  Account # XXXX ; and XXXX  Account # XXXX have 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 an 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 2022-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: KS

Complaint narrative:
I was made aware of these fraudulent accounts a few years ago. I have talked to Barclays on several occasions about closing these accounts and making sure that no other accounts could be opened in my name. The company said everything was shut down in 2022 and that they were removing them from my credit report. Instead of doing that, they have continued to report these fraudulent accounts. The inaccurate reporting has cost me my job as an accountant, and I have been denied credit all because of these accounts that were opened without my knowledge.

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 2022-08-02 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 have been submitting multiple letters from XX/XX/XXXX to XXXX XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the remaining inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Dear CFPB Team, thank you for listening.

By way of introduction, I have Bank of America ( BOfA ) relationship across Mortgage, Platinum Honors Savings, Credit Card and Auto Loan.

I have been a mortgage customer of BOfA since XXXX, which was subsequently refinanced by the same bank in XXXX. As part of IRS Tax process, I was required to submit form 1098 for the initial mortgage account, which was closed in XXXX. 

On XX/XX/XXXX, when logging into the Bank of America, I could not access the older mortgage account, and it is therefore I had a call with BOfA Customer Service team, who first responded that bank can not issue statements for older accounts that are closed. Later I was advised that I have to wait for XXXX business to receive the documentation. This was after spending XXXX minutes on a call. Alternatively, I was suggested to visit the branch to explore the possibility to receive the documentation. 

When I visited the branch, BOfA branch team members initially expressed lack of system access to process the form 1098. After much escalation, I was put in touch with Branch executive who after 40 minutes, was able to share the document. 

I am expressing my sincere disappointment in having to 1/ Not have online access to documentation, 2/ Lack of clear guidance from BOfA Customer Support , and 3/ Having to visit branch and go thru the hardship to get a simple documentation that pertains to my mortgage account.

Having to pay substantial mortgage interest rates and holding significant investments, I expect BOfA to provide at least basis services in a timely fashion and with ease. Which unfortunately is not the case. 

Thank you for your time and consideration. 
Warm Regards.

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 2022-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase replied that on claim number XXXX for debit card transactions to XXXX totaling {$750.00}, they only approved the claim for two of the transactions totaling {$61.00}. They denied the claim for the remaining transactions because they were not reported to Chase within the 60-day timeframe. On the claim number XXXX for debit card transactions to XXXX totaling {$370.00}, Chase approved the claim for all the transactions except for one transaction for {$12.00}. The claim was denied for the last transaction because it was not reported to us within the 60-day timeframe. I asked Chase to provide a list of all the denied transactions to make sure the denial is appropriate. We notified Chase about fraudulent transactions on the minor 's account on XX/XX/2022. As such, Chase should refund all the fraudulent transections that occurred after XX/XX/2022. There is a sentence in the letter from Chase that I am not understanding and would like them to clarify : " These transactions occurred more than 60 days after we sent the first statement for the transactions on your related claim. '' Based on the attached document, Chase incorrectly denied refunding of the fraudulent transactions. Besides, the amount on the transactions they sent in their latest later does not match up with the original not-refunded amount of {$700.00} they communicated earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: WI

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Records : XXXX XXXX Bankruptcy XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Name XXXX XXXX XXXX XXXX Employer : XXXX XXXX Addresses : XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX Public Records : XXXX  XXXX Bankruptcy XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Records : XXXX XXXX Bankruptcy XXXX Inquiries : XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-02 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: FL

Complaint narrative:
XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2022-08-02 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
SYNCB/HOME DESIGN XXXX ( Synchrony Bank ) has sent me account documents that support I paid the account in full on XXXX XXXX, XXXX and the account was closed. Please see attached for the legal records. 

XXXX is reporting that SYNCB/HOME DESIGN XXXX reports that I was late paying the account in XXXX, XXXX, and XXXX of XXXX. This is not possible as the account was paid in full in XXXX XXXX and closed. XXXX is showing incorrect information on my credit report despite multiple attempts to get this information corrected. 

I am suffering quality of life issues given my credit score is severely reduced due to this reporting error that has no merit to be on my 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 non-monetary relief
Consumer complaint received 2022-08-02 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681, XXXX  XXXX reported on hard inquiry on XX/XX/22 due to unauthorize transaction that I am unaware of without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XXXX payment sent to coltgunstore.com for order to send to XXXX  .XXXX  payment sent from TD Bank Checking Acct. to via XXXX on XX/XX/XXXX. 

To : XXXX XXXX ( Colt Store ) at XXXX From : TD Bank, Personal Checking, XXXX Sent : Sunday, XX/XX/XXXX Deposited : Sunday, XX/XX/XXXX Speed : Within Minutes Reason : Order XXXX. XXXX  XXXX  ( XXXX ) XXXX {$890.00} Payment ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: NJ

Complaint narrative:
I had identity theft back in XX/XX/2018 and my social security was used for various accounts. I am not aware of who did these transactions. Also as per 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 As this is not an account of mine and the information is being shared and reported on my account. 
Addresses XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX phone numbers ( XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Accounts XXXX XXXX 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 2022-08-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
The Fair and Accurate Credit Transactions Act Section 1681g ( e ), which requires that if a business has provided credit to or entered into a commercial transaction with a person who has allegedly committed identity theft, then the business must provide a copy of certain records upon request to ( a ) the victim of the alleged identity theft or ( b ) any law enforcement agency or office authorized by the victim to receive the records. 

I requested over XXXX times for Capital One to provide records for accounts ending in XXXX and XXXX under Section 1681g ( e ), and they have willfully failed to do so. Therefore, I am authorizing this Office to receive the records, and provide the records to me. I have conveyed to Capital One that I suspect to be a victim of identity theft and that they are allowing the reporting of inaccuracies on my credit file through a third party junk debt buyer collector XXXX XXXX XXXX XXXX XXXX Capital One misrepresented the truth by stating that they removed the debt from my credit file. However, credit reporting agencies have recently verified the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: CA

Complaint narrative:
This is XXXX XXXX, and I am submitting this complaint to inform the Credt Bureaus that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i and 605b, and continues to report unverified information without providing any proof required by law. The Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/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 2022-08-02 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: CA

Complaint narrative:
I sent a letter on XX/XX/2022 addressed to the Credit reporting agencies requesting to remove the following fraudulent information ( XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$330.00} XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX  XXXX Balance Owed : {$2600.00} ) that are completely UNKNOWN to me. I came across this law today and according to the XXXXer FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX, XXXX.Ive already included this in my previous Complaint # XXXX, # XXXX, # XXXX & I am including these items once again.

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 2022-08-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter on XX/XX/2022 addressed to the Credit reporting agencies requesting to remove the following fraudulent information ( XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$330.00} XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$2600.00} ) that are completely UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX, XXXX.Ive already included this in my previous Complaint # XXXX, # XXXX, # XXXX & I am including these items once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
* Charged for services that were not being used by XXXX XXXX XXXX Attempted to contact XXXX to cancel an account which ( " They could not find '' ) in Early XXXX, XXXX XXXX claims they cant find the account The account was no longer in use after XX/XX/XXXX A payment was made on the XX/XX/XXXX that paid up-to-date the account prior to starting XXXX XXXX service The Account was closed in XX/XX/XXXX XXXX refuse to recognize service members XXXX XXXX service to credit account ( ADOS starts XX/XX/XXXX and ends on XX/XX/XXXX ) XXXX Failed to properly handle the account, refused to recognize previous attempts to close the account and sent for collection an amount of roughly {$280.00}, to include late fees, continued billing through XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account number ( s ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have 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 2022-08-02 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account number ( s ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have 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