vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-26 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: IL

Complaint narrative:
This is regarding an existing issue with transunion XXXX and XXXX XXXX account # XXXX This is a fraudulent inaccurate account and have multiple inaccuracies on the accounts such as reporting different opening dates and has different dates last reported that are not in proper METRO 2 format and the account do not reach out to FCRA requirements.. I have previously disputed this account and it came back verified without any proper investigations. because if they would have did a proper investigation they would have seen that these are fraudulent and inaccurate accounts that have really been effecting me financially and also have caused defamation of character. According to law 15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting. ( 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. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2022-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
My debt with XXXX XXXX was settled through National Credit Systems debt collection agency. They have failed to remove the debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: I.C. System, Inc.
State: CA

Complaint narrative:
This company has refused to address me through the XXXX website and yet chose to contact me outside of this complaint and send me verification which I never asked for. Further communication from this company after I demanded them to cease and desist all communication with me is a direct violation of the FDCPA. After deleting this account from my consumer report, IC Systems reinserted this negative account back onto my consumer report without notifying me within XXXX  days. I reaffirm that I do not owe this company any money and I refuse to pay any alleged debt. They have violated my cease and desist by sending me further information in the mail. IC Systems is using extortionate means to collect on an extension of credit that is not due to them which is punishable by jail time. Also stating that I am indebted to them for this account is a false claim and subject to criminal and civil liability.

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 2022-10-26 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:
I XXXX XXXX have been trying to work with all three credit bureaus to correct inaccurate information on my credit report for the last 6 months. After consulting an attorney and reading parts of the fair credit reporting act I found out that all three bureaus have broken the law and are in violation of several inaccuracies that are being reported on my credit report. 

The first XXXX is that it has now been way past 6 months and they have not at all tried to correct any errors that I have disputed on my report at all! Also I read that they must temporarily delete any of the items disputed that I have disputed during the investigation and all three of the bureaus never did that in the last XXXX months! 

Also I read the permissible purpose section of the fair credit reporting act and it clearly states that a consumer like myself must first give them permission to furnish anything on my report. Well I never once gave them permission to report any of the disputed accounts. And those accounts have never been verified the proper way like it says it should be per federal law! By investigation my relatives and neighbors and mode of living! 

I believe that these violations are sufficient enough for everything disputed to be taken off of my report or civil action may be necessary. I ask that you please help me enforce my rights as a consumer as well as enforce the three bureaus to follow federal law along with their own policies. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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:
I XXXX XXXX have been trying to work with all three credit bureaus to correct inaccurate information on my credit report for the last 6 months. After consulting an attorney and reading parts of the fair credit reporting act I found out that all three bureaus have broken the law and are in violation of several inaccuracies that are being reported on my credit report. 

The first XXXX is that it has now been way past 6 months and they have not at all tried to correct any errors that I have disputed on my report at all! Also I read that they must temporarily delete any of the items disputed that I have disputed during the investigation and all three of the bureaus never did that in the last XXXX months! 

Also I read the permissible purpose section of the fair credit reporting act and it clearly states that a consumer like myself must first give them permission to furnish anything on my report. Well I never once gave them permission to report any of the disputed accounts. And those accounts have never been verified the proper way like it says it should be per federal law! By investigation my relatives and neighbors and mode of living! 

I believe that these violations are sufficient enough for everything disputed to be taken off of my report or civil action may be necessary. I ask that you please help me enforce my rights as a consumer as well as enforce the three bureaus to follow federal law along with their own policies. Thank you.

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 2022-10-26 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: TN

Complaint narrative:
XXXX, XX/XX/2022 XXXX XXXX XXXX account XXXX reported wrongfully actions in collection that is not mine of the amount {$1400.00}. Please removed this account off my credit report under : They are also the 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. 

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have XXXX days to notify me from when they receive my disputes.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UPGRADE, INC.
State: IL

Complaint narrative:
On or about XX/XX/22 I applied for a credit card and given a {$1400.00} credit limit, I used a total of around {$300.00} XXXX some change, my credit score went down they cut the card off for about 2 weeks my score went back up, so they turned the card back on for me to use, i requested {$170.00} cash they never sent the money, but added it to my balance and now says I owe {$51000.00}. I made a couple of payments totaling {$27000.00} since XX/XX/22 and tried to get the correct balance to pay them off in full but they keep saying I owe them {$510.00} eventhough I already paid them {$270.00} XXXX the XXXX XXXXXXXX change I borrowed, they refused to give me a correct statement balance, I've tried over XXXX calling asking for a manager, yet they keep saying I still owe {$510.00} which is not correct, it should be at most {$100.00} or less they refuse to give me a balance to pay them off at one payment, PLEASE HELP?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: NC

Complaint narrative:
My online account was " migrated '' 4 months ago and since then I can not access my online account. Every month I have to call, explain my situation, and convince them to waive the phone payment fee. 

I have tried to work with this company since XXXX of this year, over 8 times by contacting customer support, IT, etc. and they refuse to help or tell me the problem is fixed when it is not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I received a XXXX transfer back in XXXX and an entire month later my account is in the negative. They stated that the person that sent the money file a claim stating they didnt know the person who they sent the money to. They said that their account is lock and that it has been hacked. They never filled a claim. The bank will not release the hold because of 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 monetary relief
Consumer complaint received 2022-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX I attempted to obtain my bank history statements to use to comply with tax amendments from past years. 

While Bank of America ( BOA ) claims they provide Statements Available online up to the below amount of time, however, they failed to provide this online. 
Checking Statements XXXX years Savings Statements XXXX years Credit Card Monthly Statements XXXX years Credit Card Year-end Summary XXXX years BOA provides XXXX XXXX files for the past XXXX months only. Unfortunately that only gets me records to XX/XX/XXXX and that is insufficient for me to comply with completing my XXXX tax amendment. The part of the website that allows for past years to be provided fail to provide the documents in a useable format, only allowing Paper and PDF files from XXXX XXXX and failing to entirely let me request anything from Fall XXXX - XX/XX/XXXX. That is a big gap of information missing. Attention to this matter would be greatly appreciated. Additionally in the modern era it is critical that statement document be provided in electronic formats that are structured and organized such as XXXX XXXX files to be made available online.

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 2022-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX in Oklahoma, has multiple times reported incorrect information to our credit reports. I have reported to the BBB and it was fixed for a short period of time then it was all removed. My score has dropped to the XXXX from XXXX because of it. I looked at the reviews online for this company and there is over XXXX consumers complaining about the same problem. Our mortgage was sold to them during Covid. Since they have destroyed our credit it has cost us tons of money! The hit to our credit is now preventing us from refinancing with a different company. I am contacting a lawyer! They have already been sued!

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 2022-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Unfortunately I do not have the exact date saved when this incident occurred. It was around XXXX years ago and just after I got married. It all started when my wife and I wanted to start our transition after getting married to start a joint bank account. At the same time we were both in grad school and receiving excess financial aid checks from our school. The school sent me a check but sent it to a previous address I lived at before I moved in with my wife. I notified the school and they canceled that check and sent out a new check to my current address. 

The initial check ended up being forwarded to my new address. At this time I didn't know it was the old check and I tried to deposit the old check into my XXXX account and overtime I found out that the check was denied and that was when I was notified of fraudulent activity with my account. I did reach out and talked to a banker at a XXXX bank. This is when they told me that I was accused of money laundering and that my account was closed. The banker at the time told me I would not be able to open a checking account for a year even after explaining to them and showing the bank that the money was all financial aid checks from grad school. 

Now XXXX years later my wife are trying to open a joint checking account with a completely different bank and I am still unable to open an account because of this label/block that was placed on me. I did on XX/XX/2022 stop in a XXXX bank to discuss opening an account and appealing the money laundering accusations, but was denied. I asked the banker at the time for records from the initial accusations of my checking account and they were not able to give me records to show the activity that they accused me of. 

This was when I was told about XXXX XXXX and to come here for help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I noticed on consumer credit reports that theres unauthorized inquiries on my XXXX, Experian and XXXX reports. Someone applied for something using my name and SSN. I am uploading supporting documents that the Illinois department of human services website was breach by hikers and important information was breach

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 2022-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: IL

Complaint narrative:
I dislike it! I've spent many months sending disputes and writing complaints, but I'm still not seeing any outcomes from my disputes. This is causing me extreme discomfort and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Contacted citibank in XXXX for a XXXX order of XXXX. Provided all information and advised citibank that I am going away on vacation. I messaged the vendor as well who never responded. 
Citibank credited my account on on XX/XX/XXXX for the amount because the vendor provided them with a rebuttal. 
I never received the parcel as the vendor never sent it intil I advised I'm on vacation. I provided tracking information and screenshots. 
Citibank advise to send information for an appeal which I sent. The managers advised there is nothing needed to be done on my end after providing me with a provisional credit for the second time. I was advised by a manager name XXXX who stated that they will utilize the email i sent to disputes department. 
Citibank refuses to utilize the information given. I call for an update and they advise to pay more money to fax information already sent to XXXX. 
Citibank also unlinked my accounts for no reason which caused me to make a complaint. Citibank is fraudulent and appeals don't work as I have proof from management that they will always take the first determination and not utilize any proof provided.

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 2022-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: IL

Complaint narrative:
I detest this! I have already invested a significant amount of time sending disputes and writing complaints, but I have yet to see any outcomes from my disputes. This is causing me great distress and pain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I abhor this! I have already spent a significant amount of time emailing disputes and filing complaints, but I have yet to see any outcomes from my disputes. This is causing me significant pain and stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26 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: AZ

Complaint narrative:
I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX Card- {$25000.00} XXXX XXXX XXXX XXXX {$10000.00}, XXXX XXXX XXXX XXXX {$26000.00}, XXXX OF XXXX {$13000.00}. 

Fact, The truth and XXXX XXXX is intended to inform consumers about the cost of credit. The companies above violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all XXXX violations. 

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by XXXX, and I have been abused and deceived. So be it. The companies listed above is falsely publicizing an account addressed to me on XXXX, Equifax XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. The companies above has published my information publicly on Equifax, XXXX & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


Fact, 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. The companies above has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

XXXX, XXXX is aware and has proof in attachment labeled as exhibit A and the companies above. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. The companies above has published an account they have of mine on the companies above. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.

Company response to consumer: Closed with explanation