vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries or view my credit report. 

In addition, I did not give you EXPERIAN permission to furnish this information in my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ). Which constitutes fraudulent activity and is also a serious breach of my privacy rights. Please validate this information with these companies and provide me copies of any documentation associated with these accounts bearing my signature authorizing an inquiry.

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 2022-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase has stolen my money and is doing very little to return it in a timely fashion. 

I mailed a check for {$55000.00} to XXXX & XXXX XXXX. Someone took the check from the mail, deposited it into a personal account at XXXX XXXX XXXX XXXX  flagged it, held and cancelled/stopped payment on the check. Chase Bank released the funds to XXXX XXXX and is telling me 120 days to get payment back. XXXX XXXX has told me they will expedite returning the funds as soon as they get a claim from XXXX, and I have even provided the contact information to the rep at XXXX XXXX XXXX to help move things along as a small business needs to be paid for the work they completed. I do not have another $ XXXX sitting around to cut another check while I wait for my money to be returned at the mercy of Chases poor and unorganized process. 

I have filed a claim with the Fraud department at Chase at which they have misplaced paperwork, sent a claim to XXXX XXXX without confirmation that it would be received and according to their process does not follow-up. Chase has done everything to impede the process, slow it down or take no responsibility on behalf of their customer when they are responsible for releasing funds for a check that was never processed. 

I requested a copy of the claim they sent to XXXX XXXX at that point Chase told me I need to take legal action against them and subpoena them for a copy of my own claims record. 

This is a horrific banking experience to know that Chase cares little to protect their customers, releases funds for checks that never cleared, and loses personal information sent in to them to process claims. My executive office claim at Chase is : XXXX, the claim to XXXX XXXX  ( which Chase refuses to confirm was even received ) is # XXXX XXXX. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello -I received information regarding this account from XXXX XXXX Saturday XXXX The response from the company stated they wanted me to send in information in regards to this account. The account is listed on my Experian and XXXX reports. It is inaccurate. 
In accordance with the Fair crefit reporting act 15 USC 1681 I ( a ) ( 1 ) ( A ) can you reinvestigate the completeness and accuracy of the listed account below.. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: CBC Companies, Inc.
State: CT

Complaint narrative:
ON XX/XX/2022 a hard inquiry from " Factual Data '' appears on all 3 of my credit reports, " factual data '' claims they did not initiate the inquiry, XXXX XXXX did, and the credit bureau can use either name. 
I never gave " factual data '' permission to put a hard inquiry on my credit report and I certainly didn't give XXXX XXXX  permission to allow factual data to pull my credit and leave a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
An Affidavit of Fact and Cease and desist notice has been sent to Marcus by Goldman Sachs their correspondence address for debt verification/validation request on XX/XX/XXXX to provide proof of a debt allegedly owed. The account in question was first initiated by my personal/private identification and credit card information ( truth in lending act ). My household partner XXXX XXXX and I have made payments on this account for 12 months straight beforehand, upon fruther investigation billing errors were found including but not limited to Marcus by Goldman Sachs failing to provide me with General Disclosures which are requirements and is a violation ( among others ) by the Code of Federal Regualtions. There must be further investigation of this matter and will continue to seek relief to peacefully resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I never attended XXXX XXXX XXXX. I graduated in 2018 from somewhere else. I never went back to college. I think this was listed as a prospective school but I never attended here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: OR

Complaint narrative:
In accordance of Fair Credit Report list of accounts violated my federal protected consumer rights to privacy and confidentiality under 15 u.s.c 1681. XXXX XXXX account number XXXX, XXXX XXXXXXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX  account number XXXX. 15 u.s.c 1681 section a states I have the right to privacy. 15 u.s.c 1681c. a,5 section states no consumer reporting agencies may make any consumer report containing any of the following items of information, Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years.15 u.s.c section 604 a section 2 Consumer reporting agencies can not furnish a account without my written instructions.15 u.s.c 1681s-2a1 a person shall not furnish any information related to a consumer to any consumer agencies if the person knows information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion has false information on their website. I tried to get my fraud alert removed from my credit file and the website says that I can call and have it removed. I called TrasnUnion today and both representatives told me they could not remove the fraud alert from my account and that I need to mail on documentation to get it removed. This is very inconvenient as I do not have transportation to get to the post office and pay for postage to mail transunion a letter and have the fraud alert removed. This is a serious issue as I can not extend my credit the way I want to and provide for my family.

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 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
HI 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 LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
See prior complaints, eg, XXXX. I have {$3500.00} at BAC. They respond to each complaint saying they can not release secret info. I never asked for any info. I've emailed them and you sets of docs proving that the trust was a term trust which expired decades ago. My name is on XXXX XXXX XXXX. Their letters say speak to XXXX  XXXX, XXXX XXXX XXXX ext XXXX left unreturned messages for years. He finally called about XXXX mos. ago and said everything was fine, I'd get paid ( the hold-up has been that BAC lost the signature card ; not my fault ). No check. Left two more messages. So back to the usual ignore me.

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 2022-11-21 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: SinglePoint GI
State: GA

Complaint narrative:
I never attended XXXX XXXX University. I XXXX  in 2018 from somewhere else. I never went back to college. I think this was listed as a prospective school but I never attended here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: CA

Complaint narrative:
Hello -I received information regarding this account from XXXX on XXXX XXXXXXXX The response from the company stated they wanted me to send in information in regards to this account. The account is listed on my XXXX and Equifax reports. It is inaccurate. 
In accordance with the Fair crefit reporting act 15 USC 1681 I ( a ) ( 1 ) ( A ) can you reinvestigate the completeness and accuracy of the listed account below.. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX I went to pay a bill that was due on Bank of Americas mobile app. I realized I used the wrong bank account payment information. I called Bank of America and spoke to a representative who said she would cancel that transaction and then proceeded to take the correct bank account information for payment. She provided me with a confirmation number for the transaction. When I woke up on XX/XX/22, I got an email from my chase that bank of america withdrew the funds to pay the bill. I also got an alert saying i was overdrawn by {$2900.00}. This of course, is now causing me problems with all my auto pay bills coming out of that account. I then received an alert that they had also taken the amount of XXXX XXXX  as well. So Bank of America paid themselves twice for the same bill due. Now I am incurring all fees for bounced and overdraft amounts for autopays set up for the chase account. I dont have enough funds to cover and Bank of America is saying it will take ten days to refund. 
This is totally unfair since it was there misake, why should I pay all these fees?

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 2022-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I am a victim of ID Theft, I reported it to BMO on XX/XX/15. They told me no accounts were opened but come to find out a savings and checking account were opened. They blocked and closed the savings but left the checking open until I called today. They violated UDAAP, FACTA and FCRA regs by being dishonest. Now I need to have inquiries removed from my credit and XXXX and 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 2022-11-21 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: IL

Complaint narrative:
I submitted an affidavit to the credit reporting agency back in XX/XX/2021. I never got any response from them regarding the affidavit and will attach supporting documentation submitted. Since there was no response then the credit reporting agencies are now in default.

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 2022-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I applied for an American Express XXXX card on XX/XX/2022 and was denied credit based on my XXXX score. I responded back to American Express 's denial letter with an adverse action letter explaining to American Express according to the Equal Credit Opportunity Act adverse action is against the law and can be found in 15 USC 1691c and is pursuant to civil liability under USC 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
HI 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 LETTERS FOR REFERENCE

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 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
HI 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 LETTERS FOR REFERENCE

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 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
Three times I've formally requested LexisNexis to remove addresses which have never belonged to me. Three times after waiting 30 days, LexisNexis has verified these addresses using themselves as the source of verification. This violates my rights to a fair and accurate credit report. They know a reinvestigation can not be them using the inaccurate information they themselves house. 

Enclosed with this complaint, please find a copy of their reinvestigation stating the means they used to verify all these inaccurate addresses along with a copy of my Texas Driver 's License and a bill. Both have my current address ( I have lived here for more than 20 years ) ; this is the one and only address I rightfully and legally should have on file with LexisNexis. 

All other addresses on my LexisNexis report are to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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 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 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 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

Company response to consumer: Closed with explanation