vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-30 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: FL

Complaint narrative:
I am interested in disputing all inaccurate information on my credit report with Equifax. please remove all information listed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: MA

Complaint narrative:
notice to sue. i tried to fix this problem of my consumer report not being 100 % accurate under 15 U.S. Code 1681i my report must be 100 % accurate. i gave you time to fix this problem. you will see me in court and don't send me a email asking how can we settle this outside of court. i will get remedy for all the violation. your company isn't bigger than federal law. have. a good day. i have all the exhibits. the furnisher isnt the one that going to be in paying remedy its your company.

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 2023-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
During my loan months Wells Fargo charged me late fees when there wasnt and repossed my vehicle.

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 2023-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I applied to a job listing on XXXX ( under employer XXXX ) and the employer reached out to me via email, informing me that my resume was selected and that I would need to download the XXXX XXXX  to complete the interview process. Once I completed the interview process, they send me 2 ( fraudulent ) checks for start up materials, one for {$1900.00} and one for {$2900.00}. Once the first check deposited, they had me send {$1700.00} via XXXX bank payments to the vendors to purchase said materials. Once I informed the employer that the second check was on a hold and would be deposited in a week, they told me I shouldve told them and waited, but I should wait for it to deposit to send the money. 2 days later i saw that the first check had been returned as unpaid and the {$1900.00} had been deducted from my account. Once I reached out to the employer informing them the checks returned as unpaid and that I would be taking legal action if this wasnt reprimanded, they simply replied with Okay. and that was the last I ever heard from them. I tried to contact the bank and explain everything that happened, but was told since it was sent via XXXX, that there wasnt anything they could do to recover the funds. So then my account was left NEGATIVE {$1000.00}, while also being unemployed currently.

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 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XX/XX/2023 I received an email stating " Welcome to your new XXXX XXXX XXXX Banking Account. '' I was also enrolled in Online and Mobile Banking the same day. I did not apply for an account, nor create an account.

I immediately called Bank of America ( BoA ) to close the account. I was told that I needed to file a claim, which I did ( XXXX ) and reported to the three credit bureaus. I was told by BoA my account was red flagged, but not closed. Credits could still be accepted, but withdrawals and transfers could not. I was also told I could go into any branch and complete the affidavit for identity theft. 

XX/XX/2023 I visited the BoA in XXXX, MI ( XXXX XXXX ) and provided 2 state issued IDs and a credit card and requested my account be closed. I was again told by BoA my account was red flagged, but not closed. I was told that my account needed to remain open for 90 days for investigation. Credits could still be accepted, but withdrawals and transfers could not. 

XX/XX/2023 I received a debit card in the mail from BoA. I also received a Uniform Affidavit for Identity theft, which requires me to provide copies of VERY sensitive information and still does not close my account. 

I want my account closed. It seems either BoA created this account on my behalf or someone has my social security number. Either way, I want it closed.

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 2023-01-30 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act, the below account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX  # XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and September 2020 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 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 2023-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX Kentucky XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX Unit A XXXX TX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-30 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX Kentucky XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: KY

Complaint narrative:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX Kentucky XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
according to 15 USC 1681 i have the right to privacy i did not give written permission for these creditors to furnish these accounts. 

XXXXXXXX XXXX  account no. XXXX ...... 

XXXXXXXX XXXX XXXX  account no. XXXX ...... 

XXXX account no. XXXX ..... 

XXXX account no. XXXX ...... 

XXXX  account no. XXXX ..... 

Therefore all these accounts need to be deleted from my credit reports by law immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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:
according to 15 USC 1681 i have the right to privacy i did not give written permission for these creditors to furnish these accounts. 

XXXX XXXX  account no. XXXX ...... 

XXXX XXXX XXXX account no. XXXX ...... 

XXXX account no. XXXX ..... 

XXXX account no. XXXX ...... 

XXXX  account no. XXXX ..... 

Therefore all these accounts need to be deleted from my credit reports by law immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX North Carolina XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
I am submitting this complaint as a Housing Counselor on behalf of the Homeowner 's family : The Estate of XXXX XXXX. I am working with his wife XXXX and his daughter XXXX. XXXX 's email is : XXXX. Please include her with responses. 

XX/XX/2021 XXXX offered a permanent modification for the mortgage post COVID XXXX The 3 trail payments were made ; the first payment was made w/ funds from the suspense account + a phone payment. The 2nd 2 payments were made via phone payments. The permanent modification was not complete. The loan was transferred to Freedom XX/XX/XXXX, XXXX Freedom has not acknowledged the perm modification, although we have discussed and they have provided a payment history that verifies payment.

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 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent a dispute letter certified mail out to Experian, XXXX, and XXXX regarding incorrect addresses. Unfortunately they are refusing to remove the inaccurate addresses.

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 2023-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I wasnt aware that the original debtor sold the debt to a third party law firm the amount they are saying is owed they never reached out to me to settle the debt. They have been reporting to my credit as well these are all false and misleading practices the amount o they are wanting to collect is only {$160.00}. I dont know any of the people involved attempting to collect the debt my information has being given away without my consent to any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX received a text message from Chase Bank requesting an approval for a transaction. After XXXX XXXX XXXX XXXX  replied, No, a Chase Bank representative called XXXX and alerted her that someone was trying to attempt a wire transfer to attempt a wire transfer of {$15000.00} USC as well. The Chase representative identified himself as XXXX XXXX # XXXX. After a series of prompts through text message XXXX explained to XXXX that, my supervisor XXXX XXXX # XXXX would also be in contact when everything is complete. On XXXX XX/XX/XXXX, XXXX re-contacted XXXX at XXXX hours central standard time and related that there was another attempt of a {$10000.00} USC wire transfer. XXXX proceeded to explain to XXXX that she would have to obtain a new account number and account balances and would be transferred to the new account. On Monday, XXXX XX/XX/XXXX, XXXX was contact by XXXX and then transferred to XXXX XXXX. XXXX received a text message requesting the username and password of her Chase Mobile application in order to transfer her bank account numbers to the new account that was set up. XXXX gave the information. XXXX then asked, When will I have access to my new account numbers and other information? XXXX responded, XXXX. Meaning XX/XX/2022. All calls that XXXX received from XXXX XXXX and XXXX XXXX were from XXXX. On Tuesday, XX/XX/2022, XXXX called Chase and the representative stated that she did see an alert for the wire transfer of {$15000.00} USC. On Wednesday, XX/XX/2022, XXXX called Chase customer service. The Chase representative informed XXXX that there was not any indication of that her account was frozen or flagged for fraud activity. XXXX was immediately directed to visit a Chase Bank because there was a large amount of money withdrawn from her account. On Friday, XX/XX/2022, XXXX walked into Chase bank and continued the process to block and close all access to her bank accounts. XXXX and a Chase Relationship Banker reviewed her accounts and noticed that from her Savings account there was a total of {$100000.00} USC withdrawn from her account. At which point, the Chase Banker contacted the Fraud Department at Chase and initiated an investigation. This is investigation is pending at this time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX IL XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: IL

Complaint narrative:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX IL XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation