vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had been a customer of BofA for over 30 years, but closed my account after moving to a XXXX town in Texas with no local BofA close by. I was told that my money could not be transferred to my local bank and that I would have to wait for a cashier check. I was told that my account was closed and when I went online to check I couldn't get into my account any longer so I accepted that it was closed. 
When I didn't receive my check, I called and was told that it takes two weeks to close an account. That seemed odd, and then I was told that it takes another 10 business days to mail the check. 
After a month, when I called again I was told that the account had never been closed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I NEED that money now. They had no right to withhold it from me for that long. Now, I'm told that I will have to wait another 10 business days and with the holiday that's two weeks. I believe that the bank simply keeps your money as long as they can. Incompetent and criminal. 

Nothing can be done now, but someone needs to let these banks know that it is wrong to keep people from accessing their hard earned money when they need it to survive.

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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: MI

Complaint narrative:
I have repeatedly requested a copy of my report since XXXX and I have attached a copy of ONE their responses providing me a PIN number to remove or add a freeze and statement saying that they are unable to process my request. They continue to ask me for identifying information like social security card, driver 's license photos and every other piece of information. I have provided all of this through their upload system over fax mail and email! What are they doing with my information? Have they breached my data by not reviewing this information and providing me my documentation that I've asked for up until 2 weeks ago? How many times do I have to provide them very sensitive information that I don't know who is reviewing or looking at and they still can not seem to process it? This is unacceptable! I want a copy of my entire report immediately. 

I have followed their procedure I have given them adequate time to provide me this information and yet they still refuse the process this. My most recent communication started in XXXX and has went through until today as a matter of fact when I have also called them and they will not talk to me even. They continue to tell me that they can't validate who I am but yet they have all of my information because they keep asking me to send it and I send it and then they send me emails and they send me letters back at the proper address. Unacceptable. They are the one company that I can not get any reports from and I need them immediately because I think they are part of a data breach of my information. 

I am a victim of XXXX  XXXX and provided evidence of this and all of my identifying information and XXXX. It is now XXXX  if you look at the emails and I still don't have the information that I need which is a copy of my report. I need to see who has accessed my report and I need to see what my report is showing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian, keeps reporting an address that doesnt belong to me. Ive sent numerous letters to them with my current address. Attached is my utility bill in my name with my current address.

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 2023-11-22 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: CA

Complaint narrative:
Equifax : XXXX # commission file number XXXX. Equifax is obligated by the FCRA to report accurate accounting. I have advised Equifax and numerous fraud specialists the charged off accounts, all late payments, and any non-account holding inquiries were fraud. Said company had XXXX days according to the law to remove such items. FTC, fraud reports was filed as a consumer and demanding Equifax to provide such documentation used to determine the remaining inquiries. Charge of late payments were made by the consumer like you said! Equifax has 15 days to provide me with the name of persons spoken to, documentation used, signed applications with wet ink signatures. Consumer is not asking for an XXXX report. If Equifax does not have the documentation with the form mentioned requirements to to show as a fact that these were authorized by the consumer, then it must be removed immediately! Said company is liable under the SEC to follow rules precisely. Equifax commission file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New York. XXXX. I will be filing form XXXX treasury XXXX forms to audit my accounts. Equifax is secure consumers data, yet refuses to provide me and millions of other consumers a copy of the consumer file not the consumer report. Attached will be a detailed invoice with all violations amounts owed for each one supporting documentation. As well as proof of my information, my Social Security accounts, and other information being negligently handled during data breach along with detailed invoice with money orders to be payable to XXXX XXXX XXXX address XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, CA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: NJ

Complaint narrative:
I tried to deposit my checks about 5 of those to the Bank of America atm machine it took all the checks and gave me error saying they could not completed the transaction but I have the receipt shows {$3100.00} deposited a few days later it went back to negative. have trying to solve this problem since XX/XX/XXXX  but no results. 
transaction date :XXXXXXXX  amount : XXXX place XXXX nj ATM machine

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 2023-11-22 00:00:00
Product: Credit reporting 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:
THIS IS FOLLOW UP FROM MY PREVIOUS COMPLAINT. 

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : 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 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 2023-11-22 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: PA

Complaint narrative:
I took notice to inaccurate information on my credit report. The accounts goes as follows ; [ 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 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 XXXX XXXX XXXX XXXX ] The inaccuracies are that I was " late '' when I never was. This is tarnishing my reputation. This is violation of multiple federal laws set forth by Congress in regards to the above accounts. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, late payment status ), between the consumer ( myself ) and the person ( CREDITOR ) making the report. 

Additionally, a creditor CAN NOT mark a consumer as late for any reason/purpose as it violates 15 USC 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This is my consumer instruction ; remove all late payments from each account and update the reporting to reflect current/paid as agreed never late. 

I am not in dispute of the ownership of the accounts so there is no need to " verify '' it, but if your company insists on " verification '' of these late payments then I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. 

If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).

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 2023-11-22 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: TX

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have a XXXX XXXX XXXXXXXX XXXX XXXX  through wells Fargo. It was brought to my attention that a checking account which does not belong to me has been being charged. Wells fargo refuses to chargeback that card & allow me to pay back the bank myself. i did not authroize those card payments nor did the person whos account it is. Wells fargo basically told me i have to take it up with my bank but i was never authorizing those charges to be paid with that account since it is not even my account and i never added it to my XXXXXXXX XXXX XXXX. They have not been very helpful and i am open & willing to pay the bank back whatever was charged to this persons account.

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 2023-11-22 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX  has started to report incorrect and inaccurate account detatils on my consumer credit report and is making false claims that I owe them when infact THEY OWE ME. They were paid in full and they were also paid overages that was supposed to be returned to me but for some reason was never given back to me. Capital one has also failed to validate this debt when documents were sent to their legal department to rebut this payment and entire transaction. they never responded in the time frame given to them or at all. They are currently in violation of the TRUTH IN LENDING ACT AND THE GAAP principles. They failed to provide full disclosure and the dealer aslo fail to provide the forms for me to rescind my signature at the time of the transaction. XXXX XXXX  bought my contract from the dealership and securitized the VIN # and this is currently being traded on the stock market. I have the XXXX  thats attached to the VIN # and they have not made one single divident payment to me in regards to securitizing my retail installment application. I am demanding my divident checks! I owe XXXX XXXX XXXX XXXX  nothing, they owe me and I am going to file the taxes on this CUSIP. I will be puttingin a XXXX report for a full forensic audit on this account.

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 2023-11-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After receiving response that my account/debt was verified. I sent in a MOV letter on XX/XX/23 to all 3 credit reporting agencies regarding numerous account ( all will be attached to this complaint and where also attached to my dispute letters ) based on 611a ( 7 ) and 15 USC 1681g. These agencies have failed to respond and/or furnishing the requested information or documents requested or the process, who the spoke with, what documents they received, what records where checked, how the account was verified, or what was used to validate this debt with the creditor during the the reinvestigation and none of this information was sent to me via mail as requested in the MOV dispute letter.. This is a violation of the FCRA. Also this creditor is in violation os 15 USC 1581. in this case there is unlawful deformation of my credit. There is no documentation furnished with my wet signature, no original contract, or nothing from me stating I gave my permission for this to be reported 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 explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: TX

Complaint narrative:
I am extremely upset and angry regarding the outrageous behavior I encountered during a recent call with representatives of IQ Data on XX/XX/XXXX and XXXX, XX/XX/2023 

The representative continually threatened to ruin my credit score and insinuated that he would send the recorded call to law enforcement. I did not threaten the representative or raise my voice during any of these interactions. These tactics are illegal and highly upsetting. 

I'm currently in a legal process to resolve this debt with my landlord, who never should have transferred it to collections to start with. I explained the lapse of communication with the management and offered to provide additional documentation and details during the call with IQ, only to have your rep immediately dismiss my dispute like it was pointless. This is absolutely unacceptable, especially when someone informs you that they have already initiated a legal dispute, why would you continue to try to collect the funds? On XX/XX/XXXX, I spoke with agent XXXX XXXX and on XX/XX/XXXX a representative named XXXX who wouldn't provide his last name. 

I believe IQ Data 's actions violate the Fair Debt Collection Practices Act ( FDCPA ). No false statements, no unfair practices, and definitely no harassment. Yet, the representative blatantly violated these rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: AZ

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-22 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-11-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: SC

Complaint narrative:
My original dispute started with I.C. Systems on XXXX. The above company ( I.C. Systems ) is currently violating both 15 U.S.C. 1681s-2 and Regulation F, for not properly validating this debt as previously requested and received in writing from me on both dates XX/XX/2023 and on XX/XX/2023 per my attached USPS proof of delivery. When validating the amount owed, they never sent proof of the following : 1. The date on which this became a debt up to our current date 2. The amount I was charged in interest that makes up this debt 3. The amount I was charged in fees 4. The amount I have paid in total on the debt 5. The accurate amount due ( From the above # s 1-4 ) as of today Also, this company is currently in violation because they knowingly violated 15 U.S.C. 1681s-2 of the FCRA, which expired on XX/XX/2023, by not removing the tradeline as requested with incorrect information on my consumer 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 explanation