vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This letter is in response to your recent claim that the following account was verified and still on my credit report but you never did an investigation as to my request you to do. You failed to remove the account that I disputed earlier, despite the fact that I informed you that this account is unverifiable because it is not linked to any of my home addresses, so how was this account verified? Because I was a victim of identity theft, I immediately withdrew and deleted the items that I had contested.

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 2022-06-09 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting Act would like to state that EQUIFAX Is in violation of my rights and 15 USC 1681b. ( A ) ( 2 ). Which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave EQUIFAX any written consent to report anything on my consumer report. No consent is identity theft EQUIFAX is also in violation of my rights to privacy in accordance with 15 U.S.C. 1681 Section 602 ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to PRIVACY. 

IN ACCORDANCE WITH THE FCRA. THE FOLLOWING ACCOUNTS FURNISHED ON MY CREDIT REPORT ARE IN VIOLATION OF MY RIGHTS : XXXX ACCOUNT XXXX : XXXX XXXX  ACCOUNT # : XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX ACCOUNT # : XXXX, INSTALLMENT, UNSECURED LOAN, INDIVIDUAL, OPEN, MONTHLY PAYMENT : {$400.00}, DATE OPENED : XX/XX/2021 XXXX XXXX ACCOUNT # : XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX ACCOUNT XXXX : XXXX XXXX ACCOUNT # : XXXX XXXX XXXX # : XXXX XXXX ACCOUNT # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2022, I summited a request to have accounts verified that are reporting on my credit report. Upon completion The Credit bureaus stated XXXX XXXX XXXX # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. I attached proof showing the inaccuracies. This ground for removal! They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2022, I summited a request to have accounts verified that are reporting on my credit report. Upon completion The Credit bureaus stated XXXX XXXX XXXX # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. I attached proof showing the inaccuracies. This ground for removal! They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report 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 2022-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank My checking account XX/XX/2022 unrecognized transactions {$990.00} {$1000.00} Total {$1900.00} I reported to chase but my fraud claim was denied. 
Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-09 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:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated.

This is the item I demanding to be deleted immediately : 1. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately

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 2022-06-09 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:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : 1.This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately XXXX. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately XXXX. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 4. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately

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 2022-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
In accordance of fair credit acts the list of accounts has violated my federal rights 15 U.S.C 1681 I have not XXXX giving permission for my info to be shared with. 
XXXX XXXX XXXXXXXX 15 USC I have not giving written construction 15 USC Have violated my privacy

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 2022-06-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : 1. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 2. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX  Account Number : XXXX Please remove it from my credit report. 

3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CLGF Holdco 1, LLC
State: CT

Complaint narrative:
In accordance of fair credit acts the list of accounts has violated my federal rights 15 U.S.C 1681 I have not XXXX giving permission for my info to be shared with. 
XXXX XXXX  XXXX 15 USC I have not giving written construction 15 USC Have violated my privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello .... I have filled a complaint on XX/XX/XXXX... 
Claim # XXXX BofA XXXX prepaid card. I have filled Fraud claims 3 times back in XXXX. For no reason claims were denied within days of submission. In XX/XX/XXXX my claim was reopened and was told it takes 45 days. I called several times to check status was told it going to take longer the XXXX Had escalated my case to a manager about. 2 weeks ago. Called today spoke to the claims rep at BofA he said the case has not been touched and noone answered to the escalation. XXXX the rep. Escalated the case again today and advised me to email you and seek your assistance. The rep reviewed my claim and saw that it is legitimate and the fraud charges that wiped my edd benefit is all documented and yet noone has done anything to fix it at BofA since XXXX. Please help me. Thank you. My email is XXXX. your assistance is greatly appreciated ... on XXXX XX/XX/XXXX I received an email from your company saying that my claim with Bank of America has been resolved. On XXXX XX/XX/XXXX I called Bank of America spoke to an agent and a manager and I was told that my claim is indefinitely pending and not reviewed since XX/XX/XXXX. Your company closed my case based on false information from Bank of America. My complaint needs to be reopened. I have tried to refile my complaint with your company I couldn't since I already have an account with you. Please respond and reopened my complaint as Bank of America is reporting to you false and untrue information. Please confirm that you received my email and that my complaint has been reopened. Thank you. Awaiting your response to this matter

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 2022-06-09 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: MO

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 section 604 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09 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: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act US DEPT ED 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 For several years this company has not worked on this issue and now they are saying they are working on it? I got a notice of 60 days! This company breaks the law and they get 60 days to keep doing this?

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 2022-06-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Some one has open a bank account using my name and information on XX/XX/2020 they never sent me anything on this account I was unaware that it was open .it 's comenity bank in XXXX XXXX tried to get it them to take care of it but they have not made any attempts to contact me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
After a XXXX previous investigation by CFPB XXXX FDIC Genesis Card Services XXXX XXXX Celtic Bank removed the late reporting from XX/XX/XXXX see letter of XX/XX/XXXX. Since that time, as of XX/XX/XXXX they maliciously reported XX/XX/XXXX being late on my XXXX XXXX and XXXX account. XX/XX/XXXX WAS NOT LATE AND HAS NEVER BEEN REPORTED LATE UNTIL NOW. This reporting has dropped my score, keeping me in a hotel unable to qualify for a mortgage, apartment or employment that would require a secure internet connection. These constant incorrect reporting 's are abusive mentally, financially and emotionally. I have employment and a home pending. This is emotionally, physically and financially abusive. I have become XXXX, not well and living in a hotel is draining my income. This has altered my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
THIS IS THE XXXX TIME THIS PHONY DEBT HAS BEEN SOLD. IT HAS BEEN OVER A YEAR SINCE MY LAST COMPLAINT. IF THIS COMPANY EVER SELLS THIS DEBT AGAIN I WILL SUE THEM. STOP THE NONSENSE I DO NOT OWN ANY XXXX XXXX BILL.

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 2022-06-09 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: TX

Complaint narrative:
The Credit bureaus stated my accounts were properly investigated. This is not possible because if the open dates are inaccurate, the dates last active are inaccurate, dates last reported are inaccurate, the amount owed are inaccurate, the payment statuses are inaccurate, and the comments are inaccurate. This is grounds for removal. My rights were also violated under : 15 U.S.C. 1681 Section 602 A States that I have the right to privacy.

15 U.S.C. 1681 Section 602 A States that 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 2022-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
THIS IS THE XXXX TIME THIS PHONY DEBT HAS BEEN SOLD. IT HAS BEEN OVER A YEAR SINCE MY LAST COMPLAINT. IF THIS COMPANY EVER SELLS THIS DEBT AGAIN I WILL SUE THEM. STOP THE NONSENSE I DO NOT OWN ANY XXXX XXXX BILL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: PA

Complaint narrative:
XXXX/XXXX/22. Was told that to get intrest rate low I would need to pay {$500.00} to lock the rate and that it would go towards closing cost. We had an unfortunate happening weekend of XX/XX/22 and spoke to Amerisave XXXX XXXX to return our money because we were unable to buy a house and as he stated the money would go towards closing. Since we were not going to have a closing, we want our money back. There were many texts and emails sent back and forth stating the above and we asked to speak to his supervisor and were given the customer service line which they said we would have to talk to his supervisor. He refused to give us the name or our money back.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-09 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:
The Credit bureaus stated my accounts were properly investigated. This is not possible because if the open dates are inaccurate, the dates last active are inaccurate, dates last reported are inaccurate, the amount owed are inaccurate, the payment statuses are inaccurate, and the comments are inaccurate. This is grounds for removal. My rights were also violated under : 15 U.S.C. 1681 Section 602 A States that I have the right to privacy.

15 U.S.C. 1681 Section 602 A States that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation