vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 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: TX

Complaint narrative:
Transunion refuses to do what is fair and equitable under the law. TransUnion is not aiding me in removing fraudulent items on my credit report. I have sent TransUnion all necessary documentation for them to block and remove the information from my credit report and TransUnion has been negligent. The fraudulent items on my credit report are Dept of Treasury. and Inquiries of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX My request to block is NOT made in error. My request to block information is NOT based on a material misrepresentation. My request to block is NOT of a knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. TransUnion continues ignore federal law and instead rely on it's internal policy. Transunion believes it's company policy supersedes federal and it does not. Transunion is required to block this fraudulent information from my consumer file and the company has consistently failed to do so. Transunion is enabling identity fraud.

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 2023-02-01 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentially under XXXX XXXX. 

Account name : XXXX, Acct. # XXXX, Account name : XXXX XXXX XXXX XXXX acct. # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A Section 2 States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC1681. 

Account name : XXXX, Acct. # XXXX, Account name : XXXX XXXX XXXX XXXX acct. # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A Section 2 States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMCB Card is reporting an inaccurate charged off account on my credit reports that I am not familiar with. I have contacted them directly including the credit bureaus concerning this account requesting documents pertaining this account and have not received any sufficient proof proving that this is my account or that this debt belongs to me. 

JPMCB Card sent me back statements concerning this account in response to my letter requesting validation of debt which does not prove that this account is mine or belongs to me. A statement is not proof of debt. I have not received any documents with contract legally binding me to this debt. 

Furthermore, isn't JPMCB Card the creditor that the credit bureaus reach out to confirm or validate the debt? XXXX deleted this account from my reports so according to them, there isn't valid proof this account is mine. If XXXX could not validate this debt how is JPMCB Card able to validate this account? 

I am demanding that this account is deleted from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: GA

Complaint narrative:
WE JUST RECEIVED A MAILED PACKET O FTHE SAME INFORMATION SENT EMAIL FROM XXXXXXXX XXXX XXXXXXXX, I WANTED TO COMPARE THE INFORMATION SENT VIA EMAIL TO THAT OF THE MAILED COPIES. 

AS SUSPECTED THERE HAVE BEEN EXCESSIVE MODIFICATION REGARDING THE TRUSTEES CASH RECEIPTS AND DISBURSEMENT REPORTS AND THE DOCKETS AS IT REFERS TO EVERY REAL AND COMMERCIAL PROPERTY AND DEBT ( WHICH SHOULD NOT HAVE EVEN BEEN A PART OF THIS COURT ORCHESTRATED FRAUDULENT BANKRUPTCY! EVEN THE FALSIFIED DOCUMENTS FOR A LOAND WE NEVER SIGNED FOR NOR RECEIVED WAS MODIFIED. 

DID XXXX XXXX XXXXXXXX REALLY THING I WOULD NOT COLLECT EVERY PIECE ON PAPER RELATED TO THIS CASE? THE MODIFIED DOCKET IS OFF THE CHAIN. 
WHENEVER YOU DEAL WITH XXXX YOU ALWAYS PRINT DAILY. 

I EVEN REPORTED THE MODIFICATION OF VARIOUS DOCUMENTS REGARDING THE MORTGAGE FRAUD AND MORE. OUR NAMES WERE FORGED, LIFTED XXXX INITIALS FORGE, THE DISPERSEMENT WERE DISPERED TO THE TRUSTEE, JUDGE AND TRUSTEE ; S ATTORNEY, WOW WEE! CAN'T WAIT TO SEE THE LOOK ON INDIVIDUALS FACES UPON COMPARISON! AGAIN, WE GAVE YOUR FIRM A CHANCE TO CLEAR THIS UP, BUT YOU DIDN'T. BEING CAVALIER DOES NOT WORK TO ANYONE 'S ADVANTAGE! 

GIVEN THE COURT DOCUMENTS WERE MODIFIED AND ALTERED THEY ARE NOT VALID IN ADDITION TO NOT BEING VALID BECAUSE THE XXXX HAS COMMITTED BANKRUPTCY FRAUD! YOU ALREADY KNOW. 

OUR COMPUTER AND PHONES ARE STILL BEING HACKED. THIS OCCURS WHEN XFINITY IS IN HE NEIGHBORHOOD AT XXXX SUPPOSELY REPAIRING CABLE LIKE THEY WERE AGAIN TODAY! I ALREADY KNOW WHICH JUDGES AND LAWFIRMS ARE CONNECTED TO XXXX LET 'S BE A LOT MORE CREATIVE! 

PLEASE STOP HARRASSSING XXXX! NO RETAILATION WILL BE TOLERATED.

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 2023-02-01 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: GA

Complaint narrative:
WE JUST RECEIVED A MAILED PACKET O FTHE SAME INFORMATION SENT EMAIL FROM XXXX XXXX XXXX I WANTED TO COMPARE THE INFORMATION SENT VIA EMAIL TO THAT OF THE MAILED COPIES. 

AS SUSPECTED THERE HAVE BEEN EXCESSIVE MODIFICATION REGARDING THE TRUSTEES CASH RECEIPTS AND DISBURSEMENT REPORTS AND THE DOCKETS AS IT REFERS TO EVERY REAL AND COMMERCIAL PROPERTY AND DEBT ( WHICH SHOULD NOT HAVE EVEN BEEN A PART OF THIS COURT ORCHESTRATED FRAUDULENT BANKRUPTCY! EVEN THE FALSIFIED DOCUMENTS FOR A LOAND WE NEVER SIGNED FOR NOR RECEIVED WAS MODIFIED. 

DID XXXX XXXX XXXX REALLY THING I WOULD NOT COLLECT EVERY PIECE ON PAPER RELATED TO THIS CASE? THE MODIFIED DOCKET IS OFF THE CHAIN. 
WHENEVER YOU DEAL WITH XXXX YOU ALWAYS PRINT DAILY. 

I EVEN REPORTED THE MODIFICATION OF VARIOUS DOCUMENTS REGARDING THE MORTGAGE FRAUD AND MORE. OUR NAMES WERE FORGED, LIFTED XXXX INITIALS FORGE, THE DISPERSEMENT WERE DISPERED TO THE TRUSTEE, JUDGE AND TRUSTEE ; S ATTORNEY, WOW WEE! CAN'T WAIT TO SEE THE LOOK ON INDIVIDUALS FACES UPON COMPARISON! AGAIN, WE GAVE YOUR FIRM A CHANCE TO CLEAR THIS UP, BUT YOU DIDN'T. BEING CAVALIER DOES NOT WORK TO ANYONE 'S ADVANTAGE! 

GIVEN THE COURT DOCUMENTS WERE MODIFIED AND ALTERED THEY ARE NOT VALID IN ADDITION TO NOT BEING VALID BECAUSE THE XXXX HAS COMMITTED BANKRUPTCY FRAUD! YOU ALREADY KNOW. 

OUR COMPUTER AND PHONES ARE STILL BEING HACKED. THIS OCCURS WHEN XXXX IS IN HE NEIGHBORHOOD AT XXXX SUPPOSELY REPAIRING CABLE LIKE THEY WERE AGAIN TODAY! I ALREADY KNOW WHICH JUDGES AND LAWFIRMS ARE CONNECTED TO XXXX. LET 'S BE A LOT MORE CREATIVE! 

PLEASE STOP HARRASSSING US! NO RETAILATION WILL BE TOLERATED.

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 2023-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Dear Sir/Mam, XXXX BofA_Help Tried to cash a check that my husband wrote me today, because he didn't have time to go get the cash himself and I was at the bank XXXXXXXX XXXX sharp so I didn't have to wait in line... .... I get there and this teller ask for my normal identification and handed him the check. Then he says it will cost {$8.00} to cash. SO I said fine. 

Teller goes to the back for about 5 minutes and then comes back and tells me that he can not cash the check because I don't have a working relationship with Bank of America. I tried to insist and tell the teller that the check was written by my husband who has a business account with Bank of America. He continued to say I don't have working relationship with BOA so they can not cash the check. When I tried to insist he then raised his voice and repeated the same thing. 

As I got up the chair leaving, I tried to tell the teller this is why I do not bank with BOA particularly this location @ XXXX XXXX XXXX XXXX XXXX, WA XXXX. Not only that you give poor services and being discriminatory towards me especially the Manager. 
I even mentioned to them that similar incidents happen last month when I was there to open an account. 

Left the bank upset that and called my husband to take some time off so he can go and get some cash for me... ..He is now taking extra time off just to go get cash!!! 

I am definitely going to tell and convince my husband to cancel his account with Bank of America... and also filing a complaint with the XXXX  and Consumer Financial Protection Bureau. 

I am complaining today here because I had the same issue last month and I even tried to file similar complaint, and wrote the longest letter of my life to a person name XXXX XXXX, never heard from her. She has a pic online, but who knows if she is really an actual person. 

Now I am here complaining because I think that the people working at this location, not only are discriminatory but also giving poor services toward new customers Every time I go to this bank all I get is grief and frustration... I hope to never deal with them again. 

I am complaining here because I would like this particular location that not every one can be treated poorly as they did to me. 

Sincerely, XXXX XXXX P : 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 2023-02-01 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.

In accordance with the Fair Credit Reporting Act convergent company : ally financial 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act 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 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 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover will not send me my funds ( transfer to other bank ) without overstepping their requests for more information. I am a long-term client, but now that I am withdrawing my funds, Discover is making it extremely difficult to the point of impossible to obtain my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: EQUIFAX, INC.
State: OH

Complaint narrative:
CREDIT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services, LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Disputing wrongful credit reporting on my credit report Reporting debt as closed when it was paid it in full. 


Dear Equifax, XXXX, XXXX. 

I am writing to request the investigation and correction of XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was paid in full as of XXXX/XXXX/XXXX The following account is reported as Closed on my credit bureau report XXXX 

This has negatively impacted and affected my credit score which you dropped XXXXXXXX XXXX from my credit score, because of your reporting. 



I am writing you to dispute this error of reporting my account with XXXX XXXX XXXX XXXX. 

This account should reflect Paid in full ( Not Closed ) Please reverse the negative XXXX XXXX, and add XXXX XXXX back to my score this account was paid off early NOT CLOSED. 

I have enclosed additional documentation to support my claim, Please note, I am a valued customer of XXXX XXXX XXXX XXXX. 

Review enclosed letter from XXXX XXXX XXXX XXXX stating that my account was PAID IN FULL XX/XX/XXXX. 


Please let me know how long this will take you to reverse this error. 
I thank you for your assistance and look forward to hearing back from you. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I had a car loan with bank in XXXX  and I would like to be added to the case Proceeding Docket number XXXX Initial filing date XX/XX/XXXX Status Post Order/Post Judgment. 

I had a high interest, please contact me at XXXX or 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 2023-02-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been selling online my dresses for over 2 years, within different websites such as XXXX, XXXX, XXXX. I have been using only Bank of America for my business for 2 years and was their gold preferred reward client. I have XXXX accounts with Bank Of America. In XX/XX/XXXX I have been sell bulk order of wedding and couture dresses I had in stock. Customer contacted me through email, and made direct payment to my business account with Bank of America for the amount of XXXX $ and XXXX XXXX, after that my all accounts was locked and put on hold for investigation. I believe it was scam as client assured me that he contacted his bank ( XXXX XXXX  ) and make sure to authorized this transaction. Anyway as all my accounts was locked including my personal bank account with funds on it or XXXX and XXXX XXXX. I find out that customer who paid to my business account XXXX $ and XXXX XXXX opened a claim and said that he had never made this purchase. On my end I have all proves including payment receipt, his confirmation in email that he had paid and waiting for gowns being shipped. Bank of America holding all my accounts within over 60 days since this situation happened, even I have provided all proves to their claim department that purchase was made officially and it is not my fault that client made a claim. I have been calling to Bank of America over XXXX times, to resolve this situation and I was told several times that they see that it is not my fault, and this is mistake and I should get my accounts back and this claim should be closed soon. But it has been frustrating time of waiting without any real actions on Bank of America end. They keep locking all my bank accounts until now and I cant use even my personal bank account which has nothing to do with that transaction. Every time I call to customer service of Bank of America they give me different information and different reasons why my accounts still locked. I really dont know what to do. Because definitely this is illegal to hold my personal funds for that long even when all proves are in my side. All I want is this claim to be closed ( because obviously I was scammed ) and instead of protecting my interest they violating my rights and holding my personal bank accounts funds for over 60 days.

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 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
In XXXX XXXX XXXX I received an unexpected notice from Wells Fargo that both my checking and savings accounts would be closed due to ATM transactions. I never use an ATM and did not have significant transactions of that nature on my account history. I went into the nearest banking branch, which was in XXXX, CO. While there I inquired about this and the bankers could not articulate a concrete answer as to why my accounts would be closed or point to any particular transactions that were of concern. In response to this, a consistent history of disregard for me as a customer over the years and a failure to abide by laws I had witnessed in other occurrences as a minor, I decided to withdraw all my funds that day. Wells Fargo had placed a deadline for me to withdraw all my funds or they told me that they would mail me a check with fees attached to that. I never received any communication as to why both my checking and savings accounts were shut down randomly.

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 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My accounts were closed due to me being " a risk '' for the bank. I was told I'd receive a check and still haven't got my money almost 3 months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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 FCRA ( fair credit reporting act ) XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.Code 1681 Section 602 A. states that I have the right to privacy.

Along with 15 U.S Code 1681 Section 604 A section 2, 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 explanation