vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-19 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: NJ

Complaint narrative:
They are over 21 closed accounts on my credit report that I did not do business with or authorize at all XXXX my name is spelled wrong they have addresses listed that I never lived there debt collectors Ive never did anybody with I recently revlewed my credit prollle and noticed inaccuracies and/or Incomplete intormation, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DelEit all Information that is inaccurate, Incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, Incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNIMELY, NOT MINE, NOT MY RESPONSIBILIY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY. even richt NOW! The obvious intractions are as follows : Alleging Creditor and Account as is reported on my credit report : dspute Item and explanation By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investinated and cermanently removed from mv report.

I awai your reply wikh ( ne above reque sico prool. 
Upon receiving All correscond back with you XXXX XXXX XXXX XXXX  Sincerelv. Your Full Name *Attach copy of ID and Utility bill ( bank statement if you don't have utility bill )

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 2023-03-19 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: NJ

Complaint narrative:
They are over 21 closed accounts on my credit report that I did not do business with or authorize at all XXXX my name is spelled wrong they have addresses listed that I never lived there debt collectors Ive never did anybody with I recently revlewed my credit prollle and noticed inaccuracies and/or Incomplete intormation, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DelEit all Information that is inaccurate, Incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, Incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNIMELY, NOT MINE, NOT MY RESPONSIBILIY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY. even richt NOW! The obvious intractions are as follows : Alleging Creditor and Account as is reported on my credit report : dspute Item and explanation By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX  enacted XXXX  Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investinated and cermanently removed from mv report.

I awai your reply wikh ( ne above reque sico prool.

Upon receiving All correscond back with you XXXX XXXX XXXX XXXX  Sincerelv. Your Full Name *Attach copy of ID and Utility bill ( bank statement if you don't have utility bill )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: IA

Complaint narrative:
I was advised on XX/XX/XXXX that an account was opened with the last 4 digits of XXXX with XXXX, netspend, or ace prepaid and there was a negative balance of XXXX on the account. When I entered my SSN into the system it was a new account made under my SSN but not my current name. I was told I had to pay off the negative balance before they would unfreeze my account verified account that I have had with Ace Elite since XXXX. I have not had access to my money that is directly deposited from my employer and has been since XXXX from the same employer. I have been without account access since Thursday and I need access to my account. Any account that were opened after XXXX with my former last name of XXXX are not me. I was married in XXXX of XXXX and have sent all the proper information to Ace when my name changed. The account ending in XXXX is not mine. I need my account under XXXX opened so I can have access to my money

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 2023-03-19 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: NC

Complaint narrative:
I just paid off a mortgage that I had paid on time always for over 20 years. All 3 credit bureaus dropped my credit score XXXX points saying I got a closed account from the mortgage company. Of course they closed my account they were paid in full. But for some reason the credit reporting agencies saw this as a negative thing..ALL # 3 MAJOR CREDIT BUREAUS! This needs to be fixed by YOU. These companies affect millions of people including ME with their unreliable credit reporting. PLEASE make them get with the program and report credit transactions CORRECTLY.

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 2023-03-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I just paid off a mortgage that I had paid on time always for over 20 years. All 3 credit bureaus dropped my credit score XXXX points saying I got a closed account from the mortgage company. Of course they closed my account they were paid in full. But for some reason the credit reporting agencies saw this as a negative thing..ALL # 3 MAJOR CREDIT BUREAUS! This needs to be fixed by YOU. These companies affect millions of people including ME with their unreliable credit reporting. PLEASE make them get with the program and report credit transactions CORRECTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: NJ

Complaint narrative:
In XXXX last year I made a balance transfer on my Elan Financial Services Fidelity Rewards credit card. The amount of this transfer was {$8000.00} plus {$320.00} in fees. The transfer had a promotional interest rate of 0 % APR. 

In XXXX of this year I made purchases on this card. I then made payments to the same card after these purchases posted. 

The statement closong on XX/XX/XXXX shows balance subject to 0 % interest as XXXX and {$4000.00} subject to 18.24 %. The XX/XX/XXXX statement shows {$2500.00} subject to 0 % and {$6900.00} subject to 18.49 %. I was advised that payments I made were applied to the 0 % APR balance rather than the XXXX balance. 

However the correct order of application of payments per Elan is " Payments made up to the minimum payment will be applied to the balance with the lowest Annual Percentage Rate ( APR ) first. Any additional payment amount ( s ) above the minimum payment will be applied in the order of highest to lowest APR balances. '' The minimum payment due XX/XX/XXXX was {$120.00}. After that amount was satisfied, payments should only be applied to purchases balance. 

I specifically asked an agent before making the balance transfer if I would be able to avoid interest and keep the promo rate by paying purchases down immediately and was answered in the affirmative. Before making the payments I double-checked with Elan customer service

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 2023-03-19 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: EQUIFAX, INC.
State: PR

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times.

I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was trying to buy a home so I can better me and my family lives and I realized that there were some damages on my credit report. I have already been in breaches and I thought you were going to protect my information from there. This is a Defamation of my character because it is affecting my livelihood. Now me and my family are being impacted emotionally and mentally. According to 15 U.S.C AND 1681 You have broke the law because these damages are fraud and I am trying to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 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: OH

Complaint narrative:
I was trying to buy a home so I can better me and my family lives and I realized that there were some damages on my credit report. I have already been in breaches and I thought you were going to protect my information from there. This is a Defamation of my character because it is affecting my livelihood. Now me and my family are being impacted emotionally and mentally. According to 15 U.S.C AND 1681 You have broke the law because these damages are fraud and I am trying to move forward.

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 2023-03-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
CFPB please take note of this fraudulant activity. 


Why was my Personal Banking and Checking accounts PURGED by your Wells Fargo Manager at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX? 

Please state your Wells Fargo rationale from this manager? 

Why was I laughed at by two male employees in another Wells Fargo XXXX, AZ branch who reported this managers activity? 

Why was I treated differently and discriminated against? Why were other customers treated differently? 

Does this fired manager 's activity reflect in the countinuous denial of my court ordered XXXX settlement check? 

What is your answer in regards to my overly due delayed XXXX for years settlement check? 

Please explain why you are harassing me and withholding my XXXX COURT ORDERED SETTLEMENT check?

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 2023-03-19 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: MO

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 confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX Acct Service # XXXX Account Name : XXXX # XXXXXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than 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 any reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Unable to open a checking account, due to credit report. Please remove block so I can open my checking account. A couple of bounced checks that corrected once checking account was balanced.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 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: MN

Complaint narrative:
Please Delete this address, XXXX XXXX XXXX XXXX XXXX, CO XXXX from my Credit Report for inaccurate residential information because I have never lived at this location. My address is XXXX XXXX XXXX XXXX XXXX. 

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

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

According to the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights

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 2023-03-19 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: MN

Complaint narrative:
Please Delete this address, XXXX XXXX XXXX XXXX XXXX, CO XXXX from my Credit Report for inaccurate residential information because I have never lived at this location. My address is XXXX XXXX XXXX XXXX XXXX. 

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

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

According to the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX has violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Refer to my previous complaint to you filed on XX/XX/2021 involving closing account to withdraw funds. 

When I filed the 2021 complaint against Citibank, I had accrued over {$100.00} interest for having {$10000.00} deposit with them for over 2 years. At the time it was unequivocally understood I was closing the account. After my complaint I was finally able to withdraw my {$10000.00} initial deposit and was informed the interest gained would be mailed by check. However, once again, Citibank has failed to do so and withheld all interest made from my {$10000.00} deposit.

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 2023-03-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Unauthorized purchases totaling { {$30000.00} } we're made against my Bank of America XXXX XXXX, which is where my unemployment benefits from the state of California were posted. I filed a dispute request on XXXX of XXXX. On XXXX, Bank of America denied my request for provisional credit.stating the card will simply be reissued seen on my Cfpb account On XXXX  of XXXX, I requested my claim be reopened based on the class action lawsuit against Bank of America. This judgment clarified provisional credit must be granted and disputes must be reopened for claims made against this prepaid government benefits card. It has been over 90 days, and this dispute still has not been resolved. I have not received any edd payment or provisional credit. On XXXX I called the customer service line at XXXX XXXX processing, and spoke to a customer service representative, who advised me my claim had been escalated to an escalation team and that provisional credit was not required to be granted as I dont think actually happened as Bank of America made a decision within 10 days of me filing a dispute.There is nothing in the Code of Fedderal regulations that states provisional credit will not be granted if a decision and determination regarding the claim is made within 10 days. Bank of America has exceeded the 90 day time frame as specified in the CFR, denied my request for provisional credit, and did not complete their investigation in a timely manner. I am requesting provisional credit to be credited to my account immediately, and I want Bank of America to provide me a written explanation of their investigation findings, which was conducted in XXXX  of XXXX. There is no way that a thorough investigation could be completed within 7 days, given the number of claimants during this time who had disputes against Bank of America for unauthorized purchases and transactions taken out from their EDD benefits.

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 2023-03-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A.R.M. Solutions, Inc.
State: MN

Complaint narrative:
The original debt is with XXXX XXXX XXXX of the XXXXXXXX XXXX. There are several problems with this debt in which I had at least 6 phone calls with XXXX about the following : 1. I was not made aware when they came and knocked on my door trying to get me to sign up for their services that I would be entered into a year-long contract with their company. The rep did not tell me this nor is there any contract that I received a copy of stating this. 
2. The amount of the debt is for 4 services, plus one 30 day follow up service to the first of the four. The company only performed one service and the follow up service, that was it. 
3. XXXX is a pest control company. I hired them expecting them to be able to get rid of the mice in my garage. After expressing to them on more than one occasion that I really needed help in my garage with the mice, their employee placed ONE poison " house '' outside of the garage and that was it. 
4. The poison they placed in my yard was easily accessible by my pitbull that has a strong desire to chew up plastic items and the item they put in my yard was plastic and therefore could have killed my dog. The poison was also outside of my garage, the mice were living inside the garage so not sure how well they thought this attempt to kill them would work. 
5. After the above happened, I called the company to complain and was told they would not send a tech back out, to just wait at least 2 more weeks to see if the problem still persists. TWO WEEKS WITH MICE? By that time they would have multiplied by at least 4x. 
6. Once I realized the company 's level of incompetence, I told them to not come to my home again, that I was hiring another company that knew what they were doing and would do the job correctly. Which I did and the mice were gone within one week of them coming to my home. 

I have tried to explain to XXXX it is completely unfair that I wasn't made aware of the fact that what they were signing me up for was a year long contract. Also that I didn't receive any kind of paperwork stating such. They were not sympathetic and told me i had to pay for all of the services, even the ones I did not receive. I feel like I should not have to pay for anything I did not receive, and I also think the " services '' that I did receive were so far from what is expected that I should not have to pay for those either. They continued to call me and ask for money even though I told them the same thing every time. Then when I would ask to speak to a supervisor, I was told I can't and that it wouldn't make a difference anyways, since no one would help me.

Company response to consumer: Closed with explanation