vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-04 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:
In accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I opened a new Citi Checking account with the promotion that Citi offers ( XXXX : XXXX ) on XX/XX/XXXX. Funded {$15000.00} to the new account via money transfer from XXXX XXXX Checking ( external account ) on XX/XX/XXXX. The moment XXXX XXXX confirmed the balance was taken out of my account ( via email notification ), I logged into my Citi online account, but the new checking account and existing savings account were blocked. Tried calling Citi customer service for 1 hour and was passed around from one agent to another 2 agents without resolution. I called the Citi fraud prevention department on XX/XX/XXXX, but the agent was not able to confirm if {$15000.00} has been received or why all my accounts were blocked. I was told that I have to wait 30-60 days to receive a letter as to why my accounts were blocked and a check for both my checking and savings accounts which should add up to {$15000.00}.

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 2022-06-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: TEXAS CAPITAL BANCSHARES, INC.
State: MA

Complaint narrative:
On XX/XX/2022 I filled out an application at XXXX, a division of Texas Capital Bank, to open a Savings Account that had an advertised interest rate or 1.25 %. 

On the application I provided XXXX XXXX  my name, email address, date of birth, social security number, and my physical address. 

After submitting the application I received the following message : " Thank You For Your Interest Based on the information provided, we are unable to verify your identity and can not open a XXXX XXXX  account for you at this time.Ref Code XXXX '' Since my identity is relatively easy to verify using multiple data sources readily available to the banking industry, I believe that XXXX XXXX  did not disclose the true reason that they refused my application and the true reason might have been based on the bank 's management superstitions and prejudices against consumers of my class.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: TX

Complaint narrative:
In accordance with The Fair Credit Reporting Act XXXX Account XXXX  XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681section 602A states i have the rights to privacy. 15 U.S.C 1681 Section 604 A Section @ : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
This is the third time my ID has been compromised. The first person was caught. The second person was a sibling deceased two years ago. This person is ex-wife, recovering from a XXXX basically confined to the basement of my own home, she went online and forged my signature opening dozens of credit cards, in her name and her daughter 's name. Tax returns were received, my signature forged checks signed I never even saw. She was ordered the DC XXXX in XXXX of XXXX during the absolute divorce, no children with her, by the XXXX to : no longer use my last name or my address. She has been out of compliance for a year now, the law clerk told me over the phone there was nothing he could do about it, I needed a lawyer. I am XXXX XXXX XXXX with several other health issues. My oldest daughter found me atter 48 years, informed her mom whom I married in XXXX of XXXX, who discovered all of these matters. I have worked double shifts to own my home, didn't know I had XXXX grandsons plus XXXX  daughters, my wife is currently doing everything she can to get me relocated. We have contacted all three Credit Bureaus, and have placed a Freeze on my accounts. I have also contacted the credit card companies as well as the IRS last May. I was informed by the IRS it would take some time, however it would take some time, yet they assured me the matter will be legally handled. My current wife set up an insurance policy ID Protection Plan, where we are notified -red flag, as the person is allowing collections to take over the matter and no one knows where she is hiding. The head office of our insurance company is also involved in this matter. There should be more advocates out there for seniors, I am grateful for my current wife whom I have known almost 50 years, she went back to school at XXXX after retiring from Corporate America and the XXXX went back to college for XXXX XXXX. I was very very ill upon learning of all of this, however my daughter works for my wife 's doctor, and I am taking some medications mainly for 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 2022-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The Transunion website ( unlike XXXX 's ) let me create an account to manage freezes to my credit report. But that's as far as I've gotten with it. Transunion ALWAYS reports back that the status of my credit freeze is UNKNOWN and suggest that I try again later. It's been like this since I created the account in XXXX, 2019. The only way I can do anything is by going through long laborious telephone mazes.

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 2022-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Reporting Act XXXX XXXX account # XXXX as well as XXXX XXXX XXXX account # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: OH

Complaint narrative:
Experian continuously reports inaccurate information on my credit report. They keep reporting the name Washington XXXX XXXX on my report, that is not my name, nor have I ever been married. They claim they received this information from XXXX XXXX, which is incorrect. They also report XXXX XXXX  XXXX, that is not my name. 

They are also reporting an address of XXXX XXXX XXXX XXXX, XXXX  XXXX, which it has been over seven years since I lived at this address. I moved out of this residence XXXX of 2015. XXXX XXXX XXXX XXXX, XXXX  XXXX is also not correct, the address contained an apartment number which is listed on the report. 

I also am requesting that the following medical accounts on my report be verified for complete and accurate information and removed if they can not be. I have disputed these accounts and have never received anything that verify these accounts belong to me. 

XXXX XXXX XXXX Account number : XXXX This company is not even authorized to collect debt in the state of Ohio due to not having a business license in the state. 

XXXX XXXX Account number : 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 2022-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
The dollar amounts were manipulated within my account with Bank of America ( checking ). These manipulations also fall under FTC violations as funds in my account were tampered with to reach stated amounts below : The below figures were taken ( minus ) from my account. 

XX/XX/XXXX - {$8.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$1.00} XXXX XXXX. Seller Fees XX/XX/XXXX Purchase XX/XX/XXXX - {$2.00} International Transaction Fee XX/XX/XXXX XXXX XX/XX/XXXX - {$0.00} International Transaction Fee XX/XX/XXXX XXXX XXXX  XXXX De 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 monetary relief
Consumer complaint received 2022-06-04 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:
In accordance with The Fair Credit Reporting Act XXXX Account XXXX  XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681section 602A states i have the rights to privacy. 15 U.S.C 1681 Section 604 A Section @ : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04 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: TX

Complaint narrative:
In accordance with The Fair Credit Reporting Act XXXX Account XXXX  XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681section 602A states i have the rights to privacy. 15 U.S.C 1681 Section 604 A Section @ : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: PA

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHTS TO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I noticed a decrease in my XXXX credit score on XX/XX/XXXX. It stated that I owed IC Systems {$100.00}. There was very little information about the debt and I was not even aware of owing anyone. I pay my bills on time. I disputed this debt through XXXX and it was removed the next day. Then the same debt popped up on my XXXX XXXX report on XX/XX/XXXX. I filed another dispute but this time the company stated the debt is accurate. I tried to file a dispute on ICSystems website but I need an account number. However, that was never provided because I was never notified directly that the debt even existed. I do not believe it is mine.

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 2022-06-04 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: FL

Complaint narrative:
Dear credit reporting Agency I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities on an account that is already open ACCOUNTS EDFED - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I was wrongly evicted during the pandemic. I qualified for renters assistance and the balance of my past due rent was paid in full. The collections company ( Genesis ) confirmed that the amount paid was indeed the full amount due and agree to remove the account from my credit. They made no change for about 3 months and then ANOTHER debt appeared for another XXXX which has continued to put a damper on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: GA

Complaint narrative:
In accordance with the Fair Reporting Act XXXX XXXX account # XXXX as well as XXXX XXXX XXXX account # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04 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: GA

Complaint narrative:
In accordance with the Fair Reporting Act XXXX XXXX account # XXXX as well as XXXX XXXX XXXX account # XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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:
A dispute letter containing inaccurate information was sent to Transunion XX/XX/XXXX describing inaccurate information pertaining to Louisiana office of student loans. According to the FCRA they are supposed to contact me about the dispute. They received the dispute letter XX/XX/XXXX and never contacted about the items in question. They are in violation of the FCRA.

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 2022-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My equifax and XXXX  They don't want to fix my current address. They have in my personal information as the current address : XXXX XXXX XXXX : XXXX XXXX, XXXX. XXXX and it is not my current address. My current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX. 
I made like two disputes to change it. but they don't want to update my information and because of that my credit is frozen and we can't apply for student loans and my daughter wants to study. 
They update it by putting the same postal address as XXXX XXXX and they don't want to put the one in XXXX, Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase bank is illegally restricting my account after clearing a business check submitted by me. This is causing great stress and XXXX as they are returning my bill payments and my credibility is being challenged. I have tried speaking to customer service numerous times with no success this is illegal as nothing fraudulent occurred in my account. They lied about sending correspondence to inform me of any situation as I never got anything to inform me of any restriction on my account until my creditors began calling. 
Dear XXXX XXXX, A payment in the amount of {$390.00} that posted to the above-referenced XXXX XXXX XXXX account on XX/XX/2022 was returned. If additional payments are returned in the future, it may result in the closure of your account. 

If you are currently enrolled in Paperless Documents, simply sign in to Online Account Access and choose Documents & Statements to view your new document. 

If you were enrolled in AutoPay, your enrollment has been canceled. Payments will no longer be processed automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached and FTC report with an account and inquiries I did not authorize

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 2022-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I have tried explaining to this creditor that I am not responsible for this balance and that it was charges made without my knowledge. They continue to state that I am still held accountable and obligated to pay the past due for {$2600.00}. The credit company name XXXX XXXX I have tried disputing it through that credit bureaus as well but they state that information matches so they can not remove it from my report. This defamation and fraudulent charges that I am apparently being held responsible for and it is not fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Perform an investigation about my case and provide me with evidence, if you cant prove anything delete the negative account listed on my credit report. Delete the inquiries please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I received an email from XXXX XXXX on XX/XX/XXXX that my debt collections just increased. I don't have any credit cards, loans or debts, so I quickly went to look. I'm being charged by XXXX XXXX XXXX XXXX in XXXX, Tennessee since XX/XX/XXXX ( via Wakefield and Associates also in XXXX, TN ). I've never been to this clinic, and only ever have been to XXXX once. I have no idea how they would have my name or information to charge me. I filed a dispute with XXXX via XXXX XXXX  on XX/XX/XXXX, and they reported saying it was accurate. This tells me someone took my information and opened up an account or charge in my name. I've filed a second dispute on XX/XX/XXXX. I looked up this clinic, and this has happened to MANY other people! This place is known for fraudulent activity. My identity has been stolen, please someone help me. They are falsely charging me {$1400.00}.

Company response to consumer: Closed with explanation