vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XX/XX/2022 I received an email stating my account was below {$100.00} which is was very unusual. I called BOA to see why this happened and was told the state of Illinois Sanitary Department and forwarded me to claims because I was extremely confused. The gentleman from claims told me he had no idea what was going on so he put me on hold and another rep came on the phone. The new rep told me to contact the number because they have no idea and to open a new account but the conversation was cut short due to be disconnected. I called back and a new rep informed me that my account was frozen for {$4500.00} from the state which was even more concerning. She also told me that fraud wasn't suppose to make my account credit only. This was done without informing me or with permission to protect my account. I was told to contact legal in the morning because it was now after XXXX. I received an email XX/XX/XXXX stating my email and phone number have been removed from XXXX because my account is closed. I call Bank of America to speak with a manager but was informed by XXXX that mangers are only in the branch. I have been a customer for over a decade and never have heard of such a lie. I had to call back to get another rep who told me that my account wasn't closed but put on credit only to protect me. XXXX a supervisor in check fraud & specializing from Oklahoma got on the phone but unfortunately had not one clue on anything. She kept telling me the hold was for XXXX but they only had {$600.00}. I asked her to do the math with me and she attempted to claim it was due to other purchases and that Bank of America will not allow me to speak to legal or give me anymore information on my account. I have proof of the amount that was taken out that brought my account to zero but she kept saying they now didn't know the amount until finally she stated I don't know. She also informed me they have a right to close my account because its the banks. Her math wasn't correct because it was opposite of with the account documentation attached and she refused to give me the proper department to speak with. She told me I have to hire an attorney to find things out. I've been given contradicting information from every rep at Bank of America, I need the correct information. I have asked several time times why they are altering my account and was told for my protection now its because they can. Emails state the account is closed which it should not be but the reps are saying its not. I was also refused the proper department contact information for myself or an attorney to reach.

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 2022-08-02 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: PA

Complaint narrative:
XXXX XXXX XXXX, Account # XXXX was deleted from their records and send a AUD correction to Equifax to remove the account effective XX/XX/2022. Equifax SC # : XXXX. AUD Control # XXXX They are refusing to remove an invalidated and deleted collection account from my credit report. 

The company, '' XXXX XXXX XXXX '' no longer has authority to collect on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: WI

Complaint narrative:
The owner of the account was my son. XXXX XXXX XXXX. He died XX/XX/2022. 
I am his father. My name is XXXX XXXX XXXX. I am in charge of his small estate. I have sent the required documents to the PNC bank to close the account and forward any remaining funds to me. I sent an original Certificate of death, The Colorado affidavit noterized naming me, and a cover letter to them in XXXX of this year. They are not doing anything but running me around. 
I mailed the items, per their order to PNC Bank, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, Mail stop XXXX. 
I have called them weekly and now daily since XXXX. 
They are not doing anything, and I need this to get over. 
My number is XXXX. The bank will not let me talk to the department. I have to go through customer support and they are trying but nothing is happening. 
XXXX 's account number is XXXX XXXX XXXX. 
I am at wits end and need help. 
Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings
State: LA

Complaint narrative:
I asked debt collector to send my letters & statements showing I owe they never sent any mail. I asked them to stop calling me repeatedly they call more since o asked them not to. Plus they threaten me with others results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: TX

Complaint narrative:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX ACCNT # XXXX 30 days late in XXXX XXXX 60 days on XXXX XXXX, 30 days in XXXX XXXX 60 days in XXXX XXXX, 90 days in XX/XX/2022, and 120 days in XX/XX/2022. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2022-08-02 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: AR

Complaint narrative:
This company has broken the law Pursuant to 15 usc 1681 ( a ) ( 1 ) the banking system is dependent upon my consumer report being fair and accurate. After taking a look at my consumer report. I realized that report was inaccurate, and this inaccurate report is unfair to me because i was never notified when this inaccurate information was furnished and i was never notified when during your company 's initial investigation that you were going to report this information Pursuant to 15 us 1681 ( a ) ( 1 ) This gave error has undermining my confidence in your company 's procedure and as a result of this I will no longer be extending credit and if this information is not removed, I no longer want my information reported in your companies database Pursuant to 15 usc 1681 ( a ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused and has ruined my reputation and it has adversely affected my credit worthiness Pursuant to 15 usc 1681 ( a ) ( 3 ) Your company assumed this role. You were not given express permission by me XXXX XXXX!!!! the consumer competent court jurisdiction so not only did you fail in the initial investigation of this information. Youve also assumed this information was valid which is a VIOLATION of my consumer rights.

Pursuant to 15 usc 1681 ( a ) ( 4 ) You did not ensure that the information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this VIOLATED my rights to privacy.

Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate. whether or not it factually took place can be categorized as a transaction that took place between the consumer and person making the report. Which means it should not be included in my consumer report and infract is a VIOLATION of my consumer rights.

Pursuant to 15 usc 1681a ( d ) ( 2 ) ( iii ) In your initial investigation I ws never given the opportunity to deny this information being communicated on my consumer report. This is a infract another VIOLATION!! 
( Please see form attached ) Due to your companies negligence I am demanding each and everything in the attached letter. If each thing I am demanding can not be provided then you are to XXXX and delete this inaccurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: AR

Complaint narrative:
This company has broken the law Pursuant to 15 usc 1681 ( a ) ( 1 ) the banking system is dependent upon my consumer report being fair and accurate. After taking a look at my consumer report. I realized that report was inaccurate, and this inaccurate report is unfair to me because i was never notified when this inaccurate information was furnished and i was never notified when during your company 's initial investigation that you were going to report this information Pursuant to 15 us 1681 ( a ) ( 1 ) This gave error has undermining my confidence in your company 's procedure and as a result of this I will no longer be extending credit and if this information is not removed, I no longer want my information reported in your companies database Pursuant to 15 usc 1681 ( a ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused and has ruined my reputation and it has adversely affected my credit worthiness Pursuant to 15 usc 1681 ( a ) ( 3 ) Your company assumed this role. You were not given express permission by me XXXX XXXX!!!! the consumer competent court jurisdiction so not only did you fail in the initial investigation of this information. Youve also assumed this information was valid which is a VIOLATION of my consumer rights.

Pursuant to 15 usc 1681 ( a ) ( 4 ) You did not ensure that the information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this VIOLATED my rights to privacy.

Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate. whether or not it factually took place can be categorized as a transaction that took place between the consumer and person making the report. Which means it should not be included in my consumer report and infract is a VIOLATION of my consumer rights.

Pursuant to 15 usc 1681a ( d ) ( 2 ) ( iii ) In your initial investigation I ws never given the opportunity to deny this information being communicated on my consumer report. This is a infract another VIOLATION!! 
( Please see form attached ) Due to your companies negligence I am demanding each and everything in the attached letter. If each thing I am demanding can not be provided then you are to XXXX and delete this inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: AR

Complaint narrative:
This company has broken the law Pursuant to 15 usc 1681 ( a ) ( 1 ) the banking system is dependent upon my consumer report being fair and accurate. After taking a look at my consumer report. I realized that report was inaccurate, and this inaccurate report is unfair to me because i was never notified when this inaccurate information was furnished and i was never notified when during your company 's initial investigation that you were going to report this information Pursuant to 15 us 1681 ( a ) ( 1 ) This gave error has undermining my confidence in your company 's procedure and as a result of this I will no longer be extending credit and if this information is not removed, I no longer want my information reported in your companies database Pursuant to 15 usc 1681 ( a ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused and has ruined my reputation and it has adversely affected my credit worthiness Pursuant to 15 usc 1681 ( a ) ( 3 ) Your company assumed this role. You were not given express permission by me XXXX XXXX!!!! the consumer competent court jurisdiction so not only did you fail in the initial investigation of this information. Youve also assumed this information was valid which is a VIOLATION of my consumer rights.

Pursuant to 15 usc 1681 ( a ) ( 4 ) You did not ensure that the information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this VIOLATED my rights to privacy.

Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate. whether or not it factually took place can be categorized as a transaction that took place between the consumer and person making the report. Which means it should not be included in my consumer report and infract is a VIOLATION of my consumer rights.

Pursuant to 15 usc 1681a ( d ) ( 2 ) ( iii ) In your initial investigation I ws never given the opportunity to deny this information being communicated on my consumer report. This is a infract another VIOLATION!! 
( Please see form attached ) Due to your companies negligence I am demanding each and everything in the attached letter. If each thing I am demanding can not be provided then you are to XXXX and delete this inaccurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX SSN : XXXX | XXXX : XX/XX/XXXXXXXX XXXXTransunion XXXX XXXX XXXX XXXX XXXX GA XXXX To Whom It May Concern : I previously wrote you to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number, and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have included a copy of the response from the courthouse for your reference. 
It is quite clear that someone from XXXXTransunion lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 
As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report : XXXX XXXX  BANKRUPTCY, Docket # XXXX Please respond to me in writing once this removal has been completed. 
Sincerely, XXXX XXXX XXXX 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 2022-08-02 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 — Problem with personal statement of dispute
Company: CCS Financial Services, Inc.
State: AR

Complaint narrative:
This company has broken the law Pursuant to 15 usc 1681 ( a ) ( 1 ) the banking system is dependent upon my consumer report being fair and accurate. After taking a look at my consumer report. I realized that report was inaccurate, and this inaccurate report is unfair to me because i was never notified when this inaccurate information was furnished and i was never notified when during your company 's initial investigation that you were going to report this information Pursuant to 15 us 1681 ( a ) ( 1 ) This gave error has undermining my confidence in your company 's procedure and as a result of this I will no longer be extending credit and if this information is not removed, I no longer want my information reported in your companies database Pursuant to 15 usc 1681 ( a ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused and has ruined my reputation and it has adversely affected my credit worthiness Pursuant to 15 usc 1681 ( a ) ( 3 ) Your company assumed this role. You were not given express permission by me XXXX XXXX!!!! the consumer competent court jurisdiction so not only did you fail in the initial investigation of this information. Youve also assumed this information was valid which is a VIOLATION of my consumer rights.

Pursuant to 15 usc 1681 ( a ) ( 4 ) You did not ensure that the information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this VIOLATED my rights to privacy.

Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate. whether or not it factually took place can be categorized as a transaction that took place between the consumer and person making the report. Which means it should not be included in my consumer report and infract is a VIOLATION of my consumer rights.

Pursuant to 15 usc 1681a ( d ) ( 2 ) ( iii ) In your initial investigation I ws never given the opportunity to deny this information being communicated on my consumer report. This is a infract another VIOLATION!!

( Please see form attached ) Due to your companies negligence I am demanding each and everything in the attached letter. If each thing I am demanding can not be provided then you are to XXXX and delete this inaccurate information

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts : XXXX - Account # XXXX, XXXX XXXX XXXX XXXX - Account # XXXX and Department of Education 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. 

Thank you for your time and attention in dealing with 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