vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING INACCURATE INFORMATION COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank Of America closed my checking accounts ( both personal and business ) that I have had with them for the past 18 years without warning or explanation on XX/XX/2022. I think it is important for you to know immediately that I am someone who has never paid a single bill late in my life, does not ever have an overdrawn account, never bounces a check, never has a {$0.00} balance. I am a financially sound person and a valuable member of my community. Additionally, I was a Bank Of America XXXX XXXX XXXX XXXX, which only makes this more difficult to understand. Bank Of America did not notify me prior to doing this. I learned of the closure upon receiving emails the morning of XX/XX/2022 stating my accounts had dropped below {$100.00}. I then signed into my online banking and discovered that all my accounts had a balance of {$0.00}. I thought I had been robbed. I immediately called the bank and they informed me they had decided to close my accounts and additionally had withdrawn all of my money and would be mailing checks to me in 7-10 business days. I had XXXX checking accounts with Bank of America with a total balance of {$13000.00} on XX/XX/2022. I have spoken with customer service multiple times on the phone and went to the bank in person and they refuse to give me a reason beyond this being a " business decision. '' I find that to be an unacceptable answer and have tried to demand any shred of a real reason they can provide but they refuse to do anything other than say repeatedly that this was a " business decision. '' Having my bank of XXXX  years suddenly leave me with {$0.00}, without notice, and without a valid reason is causing me an enormous amount of pain, suffering, XXXX  and costing me valuable time which in my case equates to money. I find Bank Of America 's behavior to be extraordinarily unethical and beyond that, dangerous. If there is a derogatory mark on my record that caused them to make this decision, it must be due to fraud or identity theft, and therefore I would think my bank of XXXX years would be morally obligated to let me know so I could fix the problem and protect myself from this happening in the future.

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I applied for a new bank account with my jobs credit union XXXX and was denied due to me being in chexsytems. I read the report from chexsystems and it states that I had a closed, overdrawn account from XXXX XXXX XXXX and it was listed as XX/XX/XXXX. XXXX. I was in the military from XXXX until XXXX and have only had XXXXXXXX XXXX  and XXXX XXXX I have never had an account with. XXXX XXXX XXXX since XXXX. XXXX XXXX  XXXX XXXX account was never over drawn and simply closed due to me not liking their 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 explanation
Consumer complaint received 2022-05-20 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: NJ

Complaint narrative:
I received a copy of my credit report and I have found the account listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE OPEN end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2022-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect and unauthorized inquiries were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 15 days. 

Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-05-20 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 usc 1681 section 602 a state I have the right to privacy 15 usc 1681 section 604 a section 2 : it also state consumer reporting agency can not furnish a account with out written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plain 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 explanation
Consumer complaint received 2022-05-20 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: SF VAGO, LLC
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 usc 1681 section 602 a state I have the right to privacy 15 usc 1681 section 604 a section 2 : it also state consumer reporting agency can not furnish a account with out written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plain as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: OH

Complaint narrative:
on the date of XX/XX/22 i submitted a complaint WIth the CFPB regarding concerns & complaints of all Inaccurate information on my consumer report with the 3 # C.R.A. Equifax, XXXX, XXXX. XXXX was the only reporting Agency to address my disputes immediately by Deleting all inaccurate information and inquires. Equifax XXXX XXXX has violated my consumer rights & the consumer law placed in place by the FCRA. FCRA # 1 ) 15 USC 1681 Section 602 ( A ) My Rights To Privacy. 2 # ) 15 USC 1681 Section 604 states no furnishing of accounts without my writtem permission & now they have violated new FCRA laws .3 # ) 15 USC 1681 ( i ) ( 2 ) ( A ) states Equifax & XXXX had 5 business days Apon receiving notice of A dispute they shall provide notification of the dispute & shall include all relevant information regarding the dispute & the Agency has received from other Consumer Agency. These requirements were not meet by Equifax or XXXX. XXXX # ) 15 USC 1681 ( i ) ( 5 ) ( A ) ( XXXX ) states any information disputed by consumer, any Item of information is found to be Inaccurate, Incomplete, or can not be verified the C.R.A shall Promptly Delete the item from the file of the consumer.5 # ) 15 USC 1681i ( 7 ) there was no method of verification given. 6 # ) 15 USC 1681 ( 6 ) ( B ) ( iii ) A description of the procedure used to determine the accuracy & completeness of information. And also the furnisher who provided such information shall be provided to the consumer by the Consumer Reporting A gency. 7 # ) 15 USC 1681S ( 2 ) ( A ) ( B ) A person shall not report any information relating to a consumer to a C.R.A if the person knows or has reasonable cause to believe the information is inaccurate. ( B ) ( i ) the person or Agency has been notified by the consumer at the address specified by the person for such notices, the specific information is inaccurate and ( ii ) the information is in fact inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX CXXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/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 2022-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XX/XX/30 I sent in a FTC report and a letter I sent to each credit bureau Transunion, XXXX and XXXX with details about the fraudulent and inaccurate items that are on my report. The fraudulent inquiries were removed but the inaccurate accounts are still reporting on my profile and they are stopping make from moving out of public housing with my family. I am attempting to better my life and purchase a home but I have to stay in a terrible neighborhood that I have to raise my children in. My rights have been violated and this is very unethical.

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 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inaccurate information and inquiries that are reported on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-05-20 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: TN

Complaint narrative:
This person is shown by XXXX XXXX as opening a Credit Card in my name, and i cant get the Company to take it off of my Credit Reports and mark it as fraud, I proved to XXXX it wasn't me that opened that account up, It is to XXXX XXXX for {$700.00} and i have not or have any interest in XXXX, I called them and told them i did not open this account # XXXX, XXXX XXXX brought it to my attention i called the Company at phone # XXXX talked to a lady that said her name is XXXX, and that i did not open this acct, you all allowed someone to open it using my name, this is how i got the ladies name i mentioned below in this complaint to them they asked do you know her? I said no i do not!, XXXX XXXX is their name that opened this in my name, ,I said i wont this off of my Credit XXXX and close this out, and take it off of my Credit Reports they say it is closed, but it is not taken off yet, i did this when i saw it on my credit report in XXXX, still nothing done as of today, please help me get this fraud off of my Records, Below is the Woman or person that Fraudulently opened this Fingerhut Account on me,, [ Additional info found with this breach Identity Information First Name : XXXX Last Name : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Contact Information Address : XXXX 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 non-monetary relief
Consumer complaint received 2022-05-20 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: GA

Complaint narrative:
Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681iwithin the time declared by law and continued reporting of unconfirmedinformation which now, given all my attempts to address it directly with theBureau, as willful negligence and non-compliance with federal statutes. Pleaseremove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-20 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: LA

Complaint narrative:
An accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX and # 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 ( b ) section 604 section 2 a consumer reporting agency can not furnish a report without my written consent. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2022-05-20 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: Navient Solutions, LLC.
State: NJ

Complaint narrative:
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 as a Consumer reporting agency can not furnish a account with out my written instructions. 

15 U.S.C. 1692C -If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
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 as a Consumer reporting agency can not furnish a account with out my written instructions.

15 U.S.C. 1692C -If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
In XXXX of XXXX I sold my XXXX XXXX XXXX to my dad. I sent in the release of liability to the DMV but then a couple of months later I was informed by a towing company called XXXX XXXX that I owed a {$2000.00} debt on the storage and towing of said vehicle. I explained to them the vehicle was not mine, and that the release of liability is on record at the DMV and they told me I would not be responsible if that is the case. 

A couple of months later I received a letter from a debt collector called Lien Enforcement , Inc stating that I owe them the debt plus interest. I sent them the release of liability twice. Once by mail in XX/XX/XXXX and then again on XX/XX/XXXX via an email to the email I was given by Lien Enforcement , Inc. 

I waited 5 days for a response, when I did not receive one, I called Lien Enforcement , Inc. on XX/XX/XXXX to check if they had received the documents I emailed to them, which showed that I was not the owner of the vehicle at the time of tow. Lien Enforcement , Inc. stated that they will continue their efforts to collect the debt from me because the smog was not submitted on the vehicle before it was towed. The gentleman I was speaking to on XX/XX/XXXX who works for Lien Enforcement , Inc. stated that if I don't make a payment, I therefore do not care about my credit score. 

According to the NRL forms I received from the DMV, the XXXX XXXX XXXX has been sold twice since their first contact with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/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