vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-29 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: CA

Complaint narrative:
I've been having fraudelent activity on my bank checking account withdrawals I didn't do or authorize. They are all withdrawals from Bank of America atm. I discovered this started happening in XXXX at the end of XXXX. There are multiple claims I filed and was given temporary credit. The bank now says after researching that I am responsible and it will take back money that I was credited. I did not authorize any of these withdrawals and no one has access to my account. I received a new card from bank and it happened again ( withdrawal from my bank ). I also checked my credit report and there are multiple inquiries I didn't apply for. The first is XXXX XXXX XXXX inquiry date XX/XX/2021 and XXXX XXXX XXXX XXXX date XX/XX/2021.

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 2022-04-29 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:
In accordance with the Fair Credit Reporting Act the accounts listed below 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 XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXXTransunion and 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 2022-04-29 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:
In accordance with the Fair Credit Reporting Act the accounts listed below 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 XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: NC

Complaint narrative:
Experian has re-inserted confirmed fraudulent account into my report. In addition to re-insertion, they failed to notify me as required in 15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 5.b.ii ). Within 5 business days of re-insertion. 

Item was removed from report upon delivery of police report and dispute filed in first week in XX/XX/2022. Updated report ( XXXX XXXX ) shows account removed as disputed. 

Upon checking my report XXXX XXXX, the account reappears without notification nor comments stating the account is a result of fraud. 

I am in violation of my FCRA Rights as well as a victim of a flawed investigation system by Experian. I also use their Identity works software as I am victim of the XXXX and XXXX XXXX breaches. Their systems are severely flawed and lack credibility and positive results.They 've successfully lowered my score more during the clean up process than the actual fraudsters.

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 2022-04-29 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: NY

Complaint narrative:
n 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

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 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently received copies of my most recent credit reports and noticed that there is outdated and incorrect information being reported on my credit file. The purpose of the Credit Bureau is to report factual information pertaining to a consumer. I have asked about the following accounts over and over, but get the same e-Oscar generic response.

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 2022-04-29 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: TX

Complaint narrative:
I recently checked my credit report, and I discovered a lot of information reporting that does not belong to me along with fraudulent addresses and incorrect spellings of my name. I misplaced my purse in a restaurant XX/XX/31. Since then, I have been noticing a lot of changes in my credit score. My DL, SSCard and passport were all misplaced, i was told to file this complaint if i saw anything that does not belong to me. I have listed a few accounts in the form and i will list the additional accounts below XXXX  ACCT # XXXX BALANCE XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX Please investigate this information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: TX

Complaint narrative:
I recently checked my credit report, and I discovered a lot of information reporting that does not belong to me along with fraudulent addresses and incorrect spellings of my name. I misplaced my purse in a restaurant XX/XX/31. Since then, I have been noticing a lot of changes in my credit score. My DL, SSCard and passport were all misplaced, i was told to file this complaint if i saw anything that does not belong to me. I have listed a few accounts in the form and i will list the additional accounts below XXXX ACCT # XXXX BALANCE XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX Please investigate this 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 non-monetary relief
Consumer complaint received 2022-04-29 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: MoneyLion Inc.
State: MD

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

15 USC 1681 Section 602 States I have the 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 my credit card account under an open end consumer credit plan as late for and purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: NC

Complaint narrative:
Credit Bureaus report addresses that do not belong to me. Some addresses are of employers and family but I do not live at these addresses. I've already been a victim of id theft and having addresses that aren't mine makes it harder for me to verify myself without a report in front of me. 

I've disputed with the bureaus but they tell me to contact the furnisher. I can not request a furnisher to remove/update addresses for me if I am not a customer nor account holder with them. 

Hopefully CFPB can assist in correcting my file and getting these addresses removed.

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 2022-04-29 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: NC

Complaint narrative:
Credit Bureaus report addresses that do not belong to me. Some addresses are of employers and family but I do not live at these addresses. I've already been a victim of id theft and having addresses that aren't mine makes it harder for me to verify myself without a report in front of me. 

I've disputed with the bureaus but they tell me to contact the furnisher. I can not request a furnisher to remove/update addresses for me if I am not a customer nor account holder with them. 

Hopefully CFPB can assist in correcting my file and getting these addresses removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: Solar Mosaic LLC
State: CA

Complaint narrative:
Mosaic has reported to the credit bureau that I was 30 days late in XXXX of 2021 which have resulted in my credit score dropping. We have contacted them so many time with no avail. My wife pays this bill every month that's why when I call I put her on the phone to talk to them. They are still saying we were 30 days late which is not true. Enclosed you will find copies of bank statements with payments paid to them on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a HELOC with 5/3rd bank. I submitted all income and credit documents required and fully qualify. The underwriters then requested I increase my homeowners insurance dwelling coverage to match the first lien as well as the second. When I requested this from my insurance agent, XXXX XXXX, they advised that as per Fl law this was not required as a protection to the homeowner and that the property was insured for full replacement cost as per law. The Underwriter for 5/3rd has denied my loan because the insurance company will not raise the dwelling amount. I fully qualify for this loan based on income and credit, I have full insurance on the property as per Florida law. I can only assume that 5/3 is discriminating against me for an unknown reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Avid Acceptance, LLC
State: IL

Complaint narrative:
I have already placed this company on a cease and desist for repeated call to my job, and they still called after. Now the most recent on going issues is the collection tactics. The threatening of repossession when my account is less than a half payment due and not even 30 days late. Sending me strict compliance letters and Im not even 30 days past due and again we are talking less than a half a payment. Im in constant communication and always pay when stated yet calls and e-mails continue along with the threats of repo. Again for a half a payment that isnt even 30 days late. Its stressful, beyond actually considering I just replaced a XXXX transmission and still made the payment. Ive talked to management and reps and still here today received a pre repossession letter for 1/2 payment past due for XXXX, which by the way has been paid today as stated would be. I am a collections manger and comply with the FDCPA this company does not. 
And lastly a partial payment in Illinois requires you to resend the strict compliance, so that statement in this letter is in fact I believe to be false. Please stop threatening me with repo for less than a half payment thats not 30 days late.

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 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently received copies of my most recent credit reports and noticed that there is outdated and incorrect information being reported on my credit file. The purpose of the Credit Bureau is to report factual information pertaining to a consumer. I have asked about the following accounts over and over, but get the same e-Oscar generic response.

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 2022-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
{$6000.00} was stolen from my checking account at Capital One by an unknown party. 
I wrote a check to XXXX XXXX XXXX XXXX on XX/XX/2022. I put it into the mail slot at my local Post Office. The check was cashed on XX/XX/2022. ( see copy of cashed check enclosed ) When I received the statement from XXXX XXXX XXXX XXXX, the amount was not reflected. I contacted the bank as well as the school. ( XX/XX/2022 ) The school confirmed that they did not cash the check nor did they receive the check. ( see copy of email correspondence enclosed ) I also reported the incident to The XXXX XXXX XXXX on XX/XX/2022. ( see enclosed email confirmation ) Since I notified Capital One of the incident, I have not received correspondence of any kind from the institution. Its as if nothing ever happened. There is no urgency. I know that if it were the credit card account, there would be a rapid response. Since it is my funds and not theirs, Capital One bank appears to be taking their time to act. 
Next, I requested reimbursement for my funds while the bank does their investigation. The representatives were not able to help, they only told me that there was no update and depending on the results of the investigation, I would receive my funds. 
This situation is causing harm to myself and my family. In order for my children to secure a place at their current school ( XXXX XXXX XXXX XXXX ), The payment needs to be made. Their spot may be given to a new family that applies for admission there for the upcoming school year. Ive explained the urgency to all the reps, they state they will enter it into the notes and I will be called if needed, still I have not received any correspondence, nor my funds. 
I called on XX/XX/XXXX and spoke to XXXX, she gave me the same answer all the previous reps gave me. I asked her to provide me with any regulatory agency over the bank so that I can make a complaint. She provided me with the Office of the President oXXXX Capital One and told me that I can write a letter and I will receive a response within 14 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
on XXXX a loan was placed on my credit profile by XXXX XXXX XXXX XXXX '' for {$3600.00}. I never provided written consent are verbal approval for this loan. I was told to bring my automobile to a repair ship for an estimate and instead of an estimate the company decided to fix the vehicle and approve themselves for the loan without my consent or 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 non-monetary relief
Consumer complaint received 2022-04-29 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: U.S. BANCORP
State: IL

Complaint narrative:
I RECENTLY KNOTICED A MEDICAL COLLECTION ON MY CREDIT REPORT. 

MERCHANT CREDIT GUIDE, I HAVE REACHED OUT TO THE CREDIT REPORTING AGENCY DUE TO VIOLATION OF LAW. ON XX/XX/XXXX, I CERTIFIED BOTH COMPANYS REGARDING THE MEDICAL COLLECTION OF {$1000.00}, THAT HAS NOW A DUPLACATE REPORTING. MY RESPONSE WAS THE FINDINGS IS ACCURATE FROM THE CREDIT REPORTING AGENCY. 
. 
I do not recall giving permission to for any facility to release my medical information to a third party. 

I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is two-fold and as follows : I ALSO REQUESTED THEM TO provide a copy of my signature with the provider of service to release my medical information to THEM. TIME HAS PASS AND NOTHING STILL THIS ACCOUNT NEEDS TO BE REMOVED ASAP.

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 2022-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: WA

Complaint narrative:
On XXXX XXXX my account with XXXX XXXX was officially closed. After reporting fraud MULTIPLE times and giving them all the money I physically could I was happy to see the account finally close. Then, XX/XX/2020 I receive a notification from XXXX XXXX {$2000.00} due to Jefferson Capital Systems. I was on XXXX during the time of the notification so I tried to dispute the collection. All I received is that this account falls under FCRA requirements. During this XXXX I tried complaining to XXXX through the XXXX  and they replied that after they " investigated '' my account is was reported not fraud and that my account is now in the hands of Jefferson. I was finally able to save up the money to pay off this debt, but, after intense research I find out Jefferson Capital Systems is not accredited through the BBB, but on their website it says they are?!? And every review on this company is the same, all closed/ disputed XXXX XXXX accounts! I never received a letter, email, phone call or anything from Jefferson Capital Systems stating this debt is due. I can only see it on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Hi! Barclays is offering a credit card through JetBlue. The promotion appears while attempting to book a ticket on the website. The offer is for points and a credit towards the flight if approved.

However, the credit is not towards the flight. It is for a theoretical purchase using the Barclays card within 90 days of receiving a mailed credit card, after the fact. There is no credit towards the flight one is trying to book in that moment.

I wish I had taken a screenshot of the offer, but I didnt. It very clearly indicates using the price of the ticket one is trying to book that if you get a new JetBlue Barclays card you get to apply a credit and get points.

I contacted JetBlue and they acted like nothing was wrong and I was missing the point.

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 2022-04-29 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: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief