vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Credit Services Inc.
State: FL

Complaint narrative:
I have been receiving multiples calls from this agency about me owing XXXX XXXX.An account can not be furnished without my instructions and it has been annoying I constantly get calls and no one is trying to help. I have no idea about this account. It was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

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 USC 1681. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

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 USC 1681. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Account opened without my consent or knowledge
Company: BCI FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I applied for a XXXX account with this bank on XX/XX/year>. I received a message that they needed to review my application and would respond within 3-5 business days. So I found another bank to deposit my funds with and transferred them there. 

That same night, they withdrew {$25000.00} from my checking account without authorization. 

I reached out to the bank on XX/XX/year> and spoke to supervisor, XXXX, who told me I would need to file a chargeback with my bank in order to get my funds back. I asked XXXX for, but he was unable to provide any evidence that I gave permission for this transaction to take place - only an unsigned CD account agreement. City National dba XXXX XXXX XXXX would not return my funds without a recall request from my bank. My bank indicated that it would take upwards of 10 days for the investigation and for funds to be credited back to my account. My account is currently about $ XXXX negative, and I won't be able to pay my mortgage, and will be hit with numerous NSF fees as a direct result of XXXX XXXX  dba City National Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I had a returned payment on my XXXX of my capitol one accounts. Due to that they canceled all XXXX cards after payments was made for years no missed payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount GR Holdings, LLC
State: DE

Complaint narrative:
In XXXX XXXX XXXX I contacted Goodleap about the damages done to the my roof. They claimed that they were only responsible for offering the finance and refused to fix my roof because the XXXX XXXX XXXX went out of business. I contacted GoodLeap several times and they refused to pay for the damages for a loan they financed! In addition, this company prevents customers from updating any payment information on their website as well as the records they have. It is very difficult to resolve this matter as I reached out to my state senator to address this matter. See attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXXccount XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account XXXX XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
i became XXXX  and the bank fees overdrafted my account and i can not open a new account anywhere

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Date reported XX/XX/2024, {$970.00}, reached out to them requesting documentation that this account belonged to me and verification that I signed for services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: CT

Complaint narrative:
I have paid First Progress {$3000.00} and they are refusing to refund the money I sent them for a secured credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: M&T BANK CORPORATION
State: KS

Complaint narrative:
In XXXX of XXXX, my bankruptcy was discharged with M & T having been notified by the courts. 
I have been in continual communication with M & T and was assured that I was not to make payments until notified by them. Every time I spoke with M & T I requested the mailing address be updated to the property address. The first request was in XX/XX/XXXX this was completed on XX/XX/XXXX. Correct address XXXX XXXX XXXX XXXX, XXXX , KS XXXX. 
Since I was never notified the account had been moved from bankruptcy back to a regular account the payments were late. 
I was notified on XX/XX/XXXX, that a fraudulent Cease & Desist was put on the account in XXXX and that is why they were unable to call and follow up on the change in status. 
I have been in contact with M & T since XX/XX/XXXX to have my credit report updated and the late payments removed. 
On XX/XX/XXXX XXXX XXXX informed me the credit dispute had been closed without anyone contacting me to verify the information the customer service representative had entered was correct.

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 2024-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp.
State: FL

Complaint narrative:
I, XXXX XXXX sent a remittance back in XXXX to XXXX, where the person over there never received it, I used the SIGUE company through the agency XXXX XXXXXXXX XXXX located on XXXX XXXX XXXX XXXX, XXXX, FL XXXX, and I am not the only one with this problem there are other people involved, I been going to XXXX XXXX XXXX day after day and they are the ones who said that SIGUE will send me a check through mail in 15 days and it's been over a month with no luck, I have never talked to a SIGUE clerk everything has been with someone in XXXX XXXX. All I want is my money {$1200.00} account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On or about XXXX Consumer applied for an American Express Gold card. 

On XXXX I received a letter form American Express denying me for an American Express Gold Card. 

Im aware that a creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis. 

Im also aware the application is a security that I tendered via an online Application as an asset to American Express National Bank ( AENB ). 

Account means an extension of credit. When employed in relation to an account, the word use refers only to open-end credit. 

In light of consumer protection laws and acts that protect the consumer, on XXXX a letter sent Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX, Attn : Legal Dept to American Express NB ; requesting reconsideration of denial for violations under color of law, the ECCOA, FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting 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: OH

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 USC 1681.

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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to inform you that I have recently become a victim of identity theft and request your assistance in blocking accounts associated with the fraudulent activity from appearing on my credit report. 
I discovered the fraudulent accounts when reviewing my credit report. The following unauthorized account were identified. Please do not add any fraud alerts or statements on the file. 
The following accounts are not mine and do not belong to me, please remove : XXXX. Account Name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX The following inquiries are not authorized by me, please remove : XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX  The Inquiry was reported on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry was reported on XX/XX/XXXX XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX  XXXX The Inquiry was reported on XXXX, XXXX XXXX. XXXX XXXX XXXX The Inquiry was reported on XXXX, XXXX XXXXXXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX XXXX XXXX  The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX Page 2 of 3 14. XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX  The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. EQUIFAX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX XXXX  The Inquiry was reported on XX/XX/XXXX I am requesting the following addresses to be removed from my credit file immediately : XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX The above mentioned accounts were opened without my knowledge or consent. I believe this incident occurred due to the theft or misuse of my personal information by an unknown individual ( s ). To mitigate any further damage caused by this unfortunate situation, I kindly request that you take immediate action to block these unauthorized accounts from appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to inform you that I have recently become a victim of identity theft and request your assistance in blocking accounts associated with the fraudulent activity from appearing on my credit report. 
I discovered the fraudulent accounts when reviewing my credit report. The following unauthorized account were identified. Please do not add any fraud alerts or statements on the file. 
The following accounts are not mine and do not belong to me, please remove : XXXX. Account Name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX The following inquiries are not authorized by me, please remove : XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX  The Inquiry was reported on XX/XX/XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX XXXX XXXX  The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX  XXXX The Inquiry was reported on XXXX, XXXX XXXX. XXXX XXXX XXXX The Inquiry was reported on XXXX, XXXX XXXX XXXX XXXX  The Inquiry was reported on XX/XX/XXXX XXXXXXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX Page 2 of 3 14. XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX XXXX  The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX XXXX  The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX I am requesting the following addresses to be removed from my credit file immediately : XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX The above mentioned accounts were opened without my knowledge or consent. I believe this incident occurred due to the theft or misuse of my personal information by an unknown individual ( s ). To mitigate any further damage caused by this unfortunate situation, I kindly request that you take immediate action to block these unauthorized accounts from appearing on my credit report.

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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: OH

Complaint narrative:
PENTAGON FCU XXXX XXXX XXXX, VA XXXX Denied me access to my credit account for over a year causing a payment to arrive late. Pentagon admitted to this grievous error appx. 1 year ago and finally gave me access to my account information.

Despite their admission in fault in handling of the account, they continue to report a missed payment that was due to their mishandling of the account.

I have attempted to contact Pentagon FCU and they have remained silent to my e-mails and calls.

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