vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-30 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: LEXISNEXIS
State: GA

Complaint narrative:
credit bureau has been regularly and irregularly disseminating my proprietary and private information, as i am the holder in due course, and i demand that this cease, i have been the victim of identity tampering as the various name derivations and addresses can show. 
i do not want my social security number used without my consent nor any information i deem private. I will replace social security number with a number that can be substantiated via the Internal Revenue Service to consolidate my account ( s ). I demand compensation and the right of authorizing who gets to view my account data. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus are required by Federal Law to verify - through the physical verification of the original signed consumer contravt - any and all accounts the Credit Bureau post on a credit report. Otherwise Anyone paying for thier credit reporting services could fax, mail, or email in a fraudulent account. I wish to stop any un authorized business from perusing my account at a whim, asd is now the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I got scammed {$84.00} on 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 2022-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Remitly, Inc.
State: OH

Complaint narrative:
XXXX by Remitly is a debit card for immigrants. I am in US, my husband in XXXX. We both obtained XXXX Debit cards that I could load from my US bank acct to the cards so my husband could withdraw funds in XXXX. I typically deposited small amounts. In XXXX ( posted XX/XX/XXXX ) I deposited a large amount {$500.00} and {$300.00} as he urgently needed the funds to pay for lodging and food as we await his US Visa. XXXX  FROZE AND LOCKED both our cards stating they did not have to tell us the reason. They now have approx {$850.00} from my husbands account ( XXXX XXXX ) and I think {$42.00} in mineI can not see amounts as they have locked the app on me too. I have written and called and chatted with their custoner service teams multiple times daily they only say we will call you back in 1-2 hours, but NOONE EVER CALLS. I have spoken MANY times MANY HOURS on the telephone and they say they will escalate to supervisor who will call me in 1-2 hours never any calls back. I went in their XXXX page Remitly to seek help and see this is happening regularly to MANY PEOPLE, They respond in a XXXX telling you to write their email which is again a scam! I need my money back!! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 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 2022-07-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX acct # 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 2022-07-30 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: MD

Complaint narrative:
They are furnishing this account on my consumer report. 

XXXX Account Number : XXXX 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 1692c 15 u.s.c 1692b 15 u.s.c 1681 section 602 A. States I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: Chime Financial Inc
State: NC

Complaint narrative:
I use Chime ( XXXX XXXX  ) and have been dealing with this issue for about 3 months now. Ive filed SEVERAL claims with this bank just for them to keep denying it despite all of the documentation that proves I was dealing with a fraud situation. I paid a total of {$920.00} for my half of the deposits for TWO different rental properties and had to leave both. I have the copies of both leases, filed a report online and have contacted XXXX and Chime and neither one has done anything about this fraud situation. I paid for a product and did not receive it. Thats fraud. However, Chime employees just kept telling me the same script about receiving documentation on why my claim was denied or submitting more evidence to reopen the claim when I have provided everything necessary. I just want my money back from this situation because I have been in between homes ever since this has occurred and not one company has done their part to make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: MI

Complaint narrative:
XXXX and XXXX did a true and accurate investigation and found that this information had to be deleted from my credit report. Experian did not do a fair and accurate investigation and is still reporting this account to 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 explanation
Consumer complaint received 2022-07-30 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: MD

Complaint narrative:
the account mentioned is XXXX XXXX it was opened frauduently. 
the amount of this account was {$2000.00} and is reporting that {$3100.00} is owed. 
I have reported to Experian several times with documentation pertaining to identity theft report from the federal trade commission, police reports and numerous other information. they continue to place this account on my profile even after it was blocked permanently because of info I provided. they paced this account back on after XXXX XXXX  provided them with minimal information about me. I did not open this account it was again opened by someone else not me.

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 2022-07-30 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: LA

Complaint narrative:
I have submitted several letters to all 3 credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with ( XXXX  ) -name as reported on my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( THEIR METHOD OF VERIFICATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING LATE, WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and XXXX XXXX  I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED. 

If this account is not deleted from my credit report within 30 days I will be visiting my nearest small claims court & I would be seeking a minimum of {$1000.00} in damages PER violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Each of you will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
The following companies are reporting inaccurate information on my credit profile,

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 2022-07-30 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: CA

Complaint narrative:
In accordance with the FCRA my rights have been violated by the following companies listing inquiries on my consumer report ( credit report ) : INQUIRIES : XXXX XXXX XXXX XXXX - XX/XX/2022 XXXX XXXX  - XX/XX/2022 XXXX XXXX  - XX/XX/2022 XXXX XXXX XXXX. - XX/XX/2022 XXXX  XXXX XXXX  - XX/XX/2022 XXXX  XXXX XXXX  - XX/XX/2022 15 U.S Code 1681 Section 602 A. states I have the right to privacy.

15 U.S. Code 1681 section 604A Section 2 : 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 explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
Had XXXX, 2 total XXXX XXXX  and XXXX. Lease was up on my apartment and had to move. Put trash at the XXXX trash section apartment manager said i was getting my security deposit back. Apartment manager kept my deposit and charged for putting the trash at the XXXX trash dumpster. I have pics, emails, documentation. Dropped my beacon score XXXX points. Contacted XXXX XXXX, XXXX and the collections agency to no avail. The apartment complex is known for doing this. Professional debt mediators and XXXX XXXX apartments in XXXX and XXXX XXXX Florida respectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I C Systems placed a debt on my credit report, I never received any notices to my residence. 

The amount is {$630.00} I sent all the equipment and paid off my XXXX  account prior to moving from the address it was in service.

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 2022-07-30 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:
Hi, My computer was hacked/ has been hacked for years. Ive only ever recently started taking action, ive started disputing stuff with XXXX XXXX but that takes too long. All of the hard inquires on my report are false.

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 2022-07-30 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: NJ

Complaint narrative:
Hi, My computer was hacked/ has been hacked for years. Ive only ever recently started taking action, ive started disputing stuff with XXXX XXXX  but that takes too long. All of the hard inquires on my report are false.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: NJ

Complaint narrative:
Hi, My computer was hacked/ has been hacked for years. Ive only ever recently started taking action, ive started disputing stuff with XXXX XXXX but that takes too long. All of the hard inquires on my report are false.

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 2022-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OZK
State: TX

Complaint narrative:
Hello, I do not find the letter from Bank OZK dated XX/XX/2022, an adequate response to my FDIC compliant dated XX/XX/2022. 

As mentioned in my previous letter, I tried to open a personal checking account on XX/XX/2022, at approximately XXXX XXXX To provide my context and clarity, I was the only person inside the branch and there were not any cars in the drive-thru. Also, there were 3 Bank OZK employees in the branch. Last, does OZK system shut down at XXXX? If not, why did the Bank OZK employee tell me that? 

If the check was verfied in accordance with Bank procedures that help protect the customer and the Bank from potential fraud, why was a hold placed on the check after it was verified while I sit in the office? 

I am unable to locate anywhere in the Federal Regulation CC ( Expedited Funds Availability Act ) that calls for a 9 day hold on the amount I deposited. 

https : XXXXXXXX-12/chapter-II/subchapter-A/part-229 Per FDIC Availability of Deposits Subject to Exceptions ( 229.13 ( h ) ) For deposits subject to exceptions to the availability schedules, other than deposits into new accounts, the depositary bank is permitted to delay availability for a reasonable time beyond the schedule. Generally, a reasonable period is considered to be no more than XXXX business day for on-us checks and XXXX business days for local checks. 

https : XXXX2/chapter-II/subchapter-A/part-229/subpart-B/section-229.13 It appears that holds may be placed on checks that are deposited into your bank where the branch is located in a major minority XXXXI census tract and holds are not placed on checks deposited in branches located in a Upper income major white census tracts. It does not appear that Bank OZK event conducted any type of comparison data. 

https : //www.fdic.gov/resources/bankers/consumer-compliance/unfair-deceptive-abusive-acts-practices/ https : //www.consumerfinance.gov/compliance/supervision-examinations/unfair-deceptive-or-abusive-acts-or-practices-udaaps-examination-procedures/ Last, Bank OZK should provide their procedures for holds on account and explain why a XXXX man deposited a check appeared to be fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: AL

Complaint narrative:
My credit report shows that I have XXXX collections. The status for both is open and past due. A collection account can't be open and therefore it should not be reporting open. The fact that it is in collections means it has been charged off. A collection is by default late and past due. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Debt collector Acct # XXXX Alleged amount balance - {$360.00} Alleged Original Creditor- XXXX XXXX XXXX XXXX Alleged Original Creditor Acct # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Debt collector Acct # XXXX Alleged amount balance - {$1400.00} Alleged Original Creditor- XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXX Acct # - 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 2022-07-30 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: AL

Complaint narrative:
My credit report shows that I have 2 collections. The status for both is open and past due. A collection account can't be open and therefore it should not be reporting open. The fact that it is in collections means it has been charged off. A collection is by default late and past due. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Debt collector Acct # XXXX Alleged amount balance - {$360.00} Alleged Original Creditor- XXXX XXXX XXXX XXXX Alleged Original Creditor Acct # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Debt collector Acct # XXXX Alleged amount balance - {$1400.00} Alleged Original Creditor- XXXXt XXXX XXXX 
Alleged Original Creditor Acct # - 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 2022-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I opened an account with Citizens in response to a promotional offer of {$300.00} if you established direct deposit, which I did. However, I did not receive the {$300.00}. I called and inquired about the {$300.00}, and it was eventually credited to my account. Citizens claimed there was a mixup about my address ( missing apartment number ) that somehow prevented the bonus from being credited initially. 

Family members of mine also opened Citizens accounts under the same promotion and none us received the bonus without calling to inquire about it. It seems clear that Citizens Bank is offering the promotional bonus with the hope of never having to pay it, relying on the fact that most people will either not remember the promotion or will be too busy to follow up on it.

Company response to consumer: Closed with explanation