vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX I entered into a settlement agreement with Bank of America regarding Account # XXXX for a balance they claimed I owed them. This settlement agreement resolved all claims against me and any claims I had against Bank of America. 

On XX/XX/XXXX Bank of America submitted information to XXXX XXXX and XXXX XXXX claiming that my account was closed due to Checking Account Fraud. They also reported that the account as of XX/XX/XXXX was unpaid. 

On XX/XX/XXXX, I attempted to open XXXX checking accounts XXXX XXXX XXXX and XXXX Bank and was denied a checking account based on the information reported by Bank of America to XXXX XXXX  and XXXX XXXX. 

Bank of America is no longer acting in good faith or under the terms and conditions of the Settlement Agreement we finalized on XX/XX/XXXX. 

Bank of America 's errors has caused me adverse actions ; I was denied XXXX checking account opportunities and the opportunity to establish a new relationship with another financial institution. Bank of America 's actions also caused me extreme public humiliation and embarrassment as I was turned down by these banks and had to suffer during and after conversation. 

Bank of America never provided me the opportunity to engage their claims that my account was considered checking account fraud. I never committed checking account fraud. I used the account for personal purchases. 

Finally, I believe Bank of America 's actions toward me are malicious, deliberate, and well defined against XXXX American consumers who seek to pursue justice in a court of law and their actions violates my rights under the Fair Credit Reporting Act

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 2022-05-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

A well-known debt buyer by the name of XXXX XXXX XXXX XXXX XXXX has XXXX to verify the furnished accounts on my credit report as 100 % accurate. 
I have asked for validation of this debt from the original creditor with my signature and submitted a copy of my credit report. I was not provided any supporting documents that proved that the information on my credit report was 100 % accurate. They are wrongfully keeping this inaccurate, unverified, and negative information on my credit report and causing harm to my livelihood as a consumer. This company and the bureaus are taking advantage and violating my rights as a consumer in accordance with the Fair Credit Reporting Act. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the original creditor information is missing, the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Also, the Credit Bureaus have been taking more than 30 days to complete my investigation. 

Here are my supporting documents : Data Breach reported on my XXXX XXXX FTC XXXX number that I submitted back in XXXX of 2020 [ XXXX ] My credit report Furnisher 's Response

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 2022-05-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX XXXX  Account # beginning in XXXX and ending in # XXXX has violated my rights. 1 5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open and consumer credit plan 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 2022-05-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX have XXXX XXXX XXXX XXXX 

-15 U.S.C 1681 section 602 A. States that I have a 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 permission.

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 2022-05-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX have violated my rights . 

-15 U.S.C 1681 section 602 A. States that I have a 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 permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime, XXXXXXXX XXXX closed my account after I reported my card as lost. They are holding my funds hostage and will not release them to me. Theyre the only bank I use and I have no ways to make a living or pay my bills. I cant get in touch with anyone because it just keeps saying they closed my account and cant help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: LA

Complaint narrative:
XX/XX/2022 to current, I have reached out to " ProCollect Inc '' through certified mail requesting validation and proof of this item, but they neglected to provide documentation.

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 2022-05-21 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXXXXXX XXXX XXXX  - XX/XX/2022 - {$4700.00} - Account status Closed XXXX  XXXX - XX/XX/2022 - {$9000.00} - Account status Closed XXXX - XXXX XXXX  - XX/XX/2022 - {$5800.00} - Account status Closed XXXX - XXXX XXXX  - XX/XX/2022 - {$790.00} - Account status Closed XXXX - XXXX XXXX  - XX/XX/2022 - {$780.00} - Account status Closed In accordance with the Fair Crediting Reporting act XXXX  Account # 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 explanation
Consumer complaint received 2022-05-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  Accounts below has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Collection Accounts : XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$620.00} XXXX XXXX XXXX  Date reported : XX/XX/XXXX Amount : {$540.00} XXXX XXXX XXXX XXXX reported : XX/XX/XXXX Amount : {$250.00} XXXX XXXX  Date reported : XX/XX/XXXX Amount : {$2500.00} XXXX  XXXX XXXX XXXX XXXX reported : XX/XX/XXXX Amount : {$550.00} XXXX XXXX : XXXX XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$330.00} Closed XXXX XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX XXXX XXXX  Date reported : XX/XX/XXXX Amount : {$0.00} Closed Loans : XXXX XXXX XXXX  Date reported : XX/XX/XXXX Amount : {$4600.00} Closed Public records : Bankruptcy XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Dismissed and Closed State XXXX XXXX XXXX XXXXXXXX  Date XXXX XXXX XXXX XXXX XXXX Amount : {$0.00} Closed and Paid

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 2022-05-21 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a 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 2022-05-21 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
i keep receiving letters from RESURGENT CAPITAL SERVICES about a debt that was paid off in XXXX from XXXX of which i paid off this has been paid off because I made a settlement with the first collection agency in XXXX I sent RESURGENT documents to prove this and each time I call them they would say the documents are insufficient and don't prove that it was paid off it keeps saying it is owed by LVNV FUNDING LLC. i sent all the paid off letters and when the payments where coming out of my checking account .also the persons who took payments out, I even sent them conversations we had concerning this matter this account needs to be fixed, this goes back to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: Early Warning Services, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I entered into a settlement agreement with XXXX XXXX  XXXX regarding Account # XXXX for a balance they claimed I owed them. This settlement agreement resolved all claims against me and any claims I had against XXXX XXXX XXXXXXXX. 

On XX/XX/XXXX XXXX XXXX XXXXXXXX submitted information to Early Warning and XXXX XXXX claiming that my account was closed due to Checking Account Fraud. They also reported that the account as of XX/XX/XXXX was unpaid. 

On XX/XX/XXXX, I attempted to open XXXX checking accounts - XXXX XXXX, and XXXX Bank and was denied a checking account based on the information reported by XXXX XXXX XXXXXXXX to Early Warning and XXXX XXXX. 

XXXX XXXX XXXXXXXX is no longer acting in good faith or under the terms and conditions of the Settlement Agreement we finalized on XX/XX/XXXX. 

XXXX XXXX XXXXXXXX 's errors has caused me adverse actions ; I was denied XXXX checking account opportunities and the opportunity to establish a new relationship with another financial institution. XXXX XXXX XXXXXXXX 's actions also caused me extreme public humiliation and embarrassment as I was turned down by these banks and had to suffer during and after conversation. 

XXXX XXXX XXXXXXXX never provided me the opportunity to engage their claims that my account was considered checking account fraud. I never committed checking account fraud. I used the account for personal purchases. 

Finally, I believe XXXX XXXX  XXXX 's actions toward me are malicious, deliberate, and well defined against XXXX American consumers who seek to pursue justice in a court of law and their actions violates my rights under the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
On XX/XX/XXXX I entered into a settlement agreement with XXXX XXXX XXXXXXXX regarding Account # XXXX for a balance they claimed I owed them. This settlement agreement resolved all claims against me and any claims I had against XXXX XXXX XXXXXXXX. 

On XX/XX/XXXX XXXX XXXX XXXXXXXX submitted information to XXXX XXXX  and Chex Systems claiming that my account was closed due to Checking Account Fraud. They also reported that the account as of XX/XX/XXXX was unpaid. 

On XX/XX/XXXX, I attempted to open two checking accounts - XXXX XXXX, and XXXX Bank and was denied a checking account based on the information reported by XXXX XXXX XXXXXXXX to XXXX XXXX and Chex Systems. 

XXXX XXXX XXXXXXXX is no longer acting in good faith or under the terms and conditions of the Settlement Agreement we finalized on XX/XX/XXXX. 

XXXX XXXX XXXXXXXX 's errors has caused me adverse actions ; I was denied two checking account opportunities and the opportunity to establish a new relationship with another financial institution. XXXX XXXX XXXXXXXX 's actions also caused me extreme public humiliation and embarrassment as I was turned down by these banks and had to suffer during and after conversation. 

XXXX XXXX XXXXXXXX never provided me the opportunity to engage their claims that my account was considered checking account fraud. I never committed checking account fraud. I used the account for personal purchases. 

Finally, I believe XXXX XXXX XXXXXXXX 's actions toward me are malicious, deliberate, and well defined against XXXX XXXX  consumers who seek to pursue justice in a court of law and their actions violates my rights under the Fair Credit Reporting Act

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 2022-05-21 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX Wells Fargo Bank charged off my account due to the negative balance status. I have been XXXX and experiencing hardships since XX/XX/XXXX due to the Covid-19 pandemic. 

On XX/XX/XXXX Wells Fargo Bank submitted information to XXXX XXXX and XXXX XXXX claiming that my account was closed due to Account Abuse. I never abused my Wells Fargo Bank account - I was experiencing long term XXXX, XXXX and a total loss of my income as a result. I filed a claims related to a {$400.00} charge that appeared on my account. I followed Wells Fargo policies and procedures for filing a claim and they refused to investigate it as they stated their policies did not allow them to investigate claims related to peer to peer financial transactions. 

On XX/XX/XXXX, I attempted to open two checking accounts - XXXX Bank, and XXXX Bank and was denied a checking account based on the information reported by Wells Fargo Bank to XXXX XXXX and XXXX XXXX. 

Wells Fargo Bank 's errors has caused adverse actions to be taken against me ; I was denied two checking account opportunities and the opportunity to establish a new relationship with another financial institution. Wells Fargo Banks ' actions also caused me extreme public humiliation and embarrassment as I was turned down by these banks and had to suffer during and after conversation. 

Finally, I believe Wells Fargo Bank 's actions toward me are malicious, deliberate, and well defined against XXXX American consumers who seek to pursue justice in a court of law. Wells Fargo 's action against me violated my rights under the Fair Credit and Reporting Act because they willfully and intentionally reported erroneous information that has caused other financial institutions to make adverse decisions against me. This matter has prevented me from moving forward with securing a checking account with a major bank.

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 2022-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I disputed a credit card charge on my account over a month ago. They have told me more than three times now that this would have been taken care of by this point in time. The charge is for XXXX XXXX and XXXX XXXX for {$190.00} on XX/XX/XXXX. I called my credit card company ( Chase ) about this dispute four days later, after I had already tried reaching out to the merchant to resolve the issue. It is now XX/XX/XXXX and they keep telling me it is being taken care of. This should have been finished three times over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: CCF Intermediate Holdings LLC
State: SC

Complaint narrative:
I requested debt validation via certified letter on XX/XX/2022. I gave 30 days notice for the company to respond and provide me with the information that I requested. I received no response. 

I then sent a second letter via certified mail on XX/XX/2022, requesting that the company cease the reporting of unverified, invalidated inaccuracies. 

On XX/XX/2022, I received a letter from the company along with a copy of the alleged loan agreement for an alleged amount of {$2000.00}. The letter also indicated the company had responded to my request on XX/XX/2022, though the letter does not indicate how the company attempted to contact me. I have no knowledge of this alleged correspondence from the company in XXXX of 2022. 

The company continues to ignore my requests, and the company has failed to provide me with validated debt that they claim I owe them. The company continues to provide inaccuracies, unverified, and invalidated debt to credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: CA

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX XXXX Account # beginning in XXXX and ending in # XXXX has violated my rights. 1 5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open and consumer credit plan 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 non-monetary relief