vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
A check for {$3500.00} was fraudulently deposited into my bank account and was not made by me Bank of America is XXXX  XXXX  me as a XXXX young man and saying verified as accurate they can clearly check the security cameras where Im not on them once. This is putting a pause on my life right now because I cant open any banks or credit unions they will benefit right now

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 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-03-20 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Issues with XXXX not allowing me to file complaints at all anymore about the issues that I am having. Equifax has me listed in a fraud thing and they havent tried to fix anything. Its under XXXX XXXX, i am XXXX XXXX. I am so sick of people taking my information and then me being blamed for everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: PA

Complaint narrative:
I recently was a victim of fraud! Not only did someone hack my bank account but someone also opened up fraudulent cards in my name. I contacted one company in particular which was XXXX XXXX ; and they notified me that they made a big error and The credit bureaus have also been in contact and have failed to correct the issue. This is in direct violation of the FAIR CREDIT REPORTING ACT 605B, 611, 609, AND US CODE 1681B The bureaus have not verified this information, they have not provided supporting documentation, nor have they blocked the fraudulent information from reporting to the credit bureaus!

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 2023-03-20 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: LEXISNEXIS
State: MI

Complaint narrative:
Date : XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX LexisNexis Consumer Center Attn : Escalations XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX D.O.B : XXXX To Whom It May Concern : I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a XXXX system. 
This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. 
Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have no right to maintain information which the government has deemed non-existent.

It is only fair that in accordance with section 1681 ( a ) ( S ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: KY

Complaint narrative:
In accordance with the fair credit reporting act. The account list below has violated my federally protected consumer rights to privacy and confidentialty under 15 USC 1681. 

Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX Have 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other advertise item of information, other than records of convictions of crimes of which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21 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: KY

Complaint narrative:
In accordance with the fair credit reporting act. The account list below has violated my federally protected consumer rights to privacy and confidentialty under 15 USC 1681. 

Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX Have 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other advertise item of information, other than records of convictions of crimes of which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: GA

Complaint narrative:
I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. I have filed a report with the Federal Trade Commission, and I also reported the issue to the companies where the accounts were opened. 3 ) Please send me a complete and current credit report, free of charge, per the Fair Credit Reporting Act, Section 612 ( c ) ( 3 ).

4 ) Please remove the following accounts which were opened by fraud within 4 business days, per FCRA Section 605B ( a ) : I am seeking your assistance with the following items : XXXX. XXXX XXXX {$11000.00} Acc # XXXX XX/XX/XXXX XXXX XXXX XXXX {$22000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$22000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$33000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$12000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$29000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$12000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$2300.00} Acc # XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my 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 non-monetary relief
Consumer complaint received 2023-03-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my 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 2023-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: KS

Complaint narrative:
I am angry because I had deposited my paycheck in my chime checking account. I had thought my check would be deposited by the end of today, but no they are telling me the XXXX of this month. I can't wait until then because I have bills that are due now. They are holding my money hostage and stealing it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 i wrote complaints to the 3 credit bureaus with no success of them correcting their fraudulent practices. They have put out {$60000.00} of fraudulent information on my credit. They violated 15 U.S Code & 1681b. 
I am writing to you about my rights that have been violated by the credit bureaus. In closed are the codes that have been violated, and included in this package are the letters that I sent to each bureau. I deserve my protection by law. They have caused me many problems with the misinformation and fraud that they reported. I was waiting on a responds from them 60 days ago and I got nothing. I am seeking help with these issues. I await your response thank you.

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 2023-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MI

Complaint narrative:
Hello, I had a mortgage with XXXX XXXX 's bank which they transferred to Dovenmuehle servicing starting on XX/XX/XXXX. I subsequently sold the property and paid the account in full on XX/XX/XXXX. 

Two days after that closing, Dovenmuehle incorrectly pulled the standard payment of {$1900.00} from my account. They have yet to return that money or the remaining funding in escrow of {$3500.00}. Today is XX/XX/XXXX, nearing three months since the payoff of the mortgage. The total funds they owe me since closing are in excess of {$5500.00}. 

I have called and spoken to Dovenmuehle 's representatives, with escalations to their management, in XXXX, XXXX, XXXX, and XXXX of this year. XXXX XXXX refuses to engage. In each call with Dovenmuehle I am promised cashier 's checks by mail or alternatively now wire transfers. However, I never have received the money nor an explanation as to what is wrong. Each time I call I start from the beginning, and they refuse to give a direct number/extension/ contact name with whom I can drive the topic to closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My personal information was exposed in various data breaches and someone has successful opened up accounts and applied for good, services, and money without my consent. All accounts and inquiries included were unauthorized and I need them removed immediately. I'm looking to apply for a mortgage and these unauthorized accounts are ruining my reputation with the banking system.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My personal information was exposed in various data breaches and someone has successful opened up accounts and applied for good, services, and money without my consent. All accounts and inquiries included were unauthorized and I need them removed immediately. I'm looking to apply for a mortgage and these unauthorized accounts are ruining my reputation with the banking system.

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 2023-03-21 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: NC

Complaint narrative:
After numerous disputes with credit bureaus, the company, two complaints to XXXX, and this is the second complaint to your agency. I have provided documents to all the credit bureaus and every time this company either auto verifies or validates inaccurate information on my file as accurate. They have violated FCRA several times. The credit bureaus and this company are in collusion. They have validated on two or more occasions information as accurate. I then submit proof showing they deliberately continue to report inaccurate information on my file. They report the account as closed, they reported the balance incorrectly, the type of account, and payment history to all the bureaus. XXXX, TransUnion, and XXXX continue to act blindly and do not enforce FCRA statutes. All the investigations from bureaus regardless of the documents provided go back to this scum bucket company that validates or takes my proof to then update the information to be accurate thus the collusion because the bureaus allow it happens and leave this fraudulent information on my file. This item has been disputed over 7 times since 2019. I have never even entered into a legal agreement with this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been told by the employee of this XXXX LLC  that every time I dispute it is just a click of the mouse saying the record is accurate. On some occasions the dispute would be resolved in XXXX hours with the bureaus. Time and time I have followed the FCRA guidelines identified the inaccurate data but yet for over 3 years this item has remained on my file affecting my life negatively. My credit score has taken a toll which affects my financial situation at home because my rates on loans and other items using the credit score are affected. I have not been able to purchase a home or other transactions due to this company 's refusal to do the right thing along with the bureaus. FCRA just asks that a company reports accurate and truthful information to the bureaus. They have made this personal since they acquired this debt which is illegal. They are the scum of the earth and because I told them to XXXX XXXX, they continue to report false information.

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 2023-03-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
After numerous disputes with credit bureaus, the company, two complaints to XXXX, and this is the second complaint to your agency. I have provided documents to all the credit bureaus and every time this company either auto verifies or validates inaccurate information on my file as accurate. They have violated FCRA several times. The credit bureaus and this company are in collusion. They have validated on two or more occasions information as accurate. I then submit proof showing they deliberately continue to report inaccurate information on my file. They report the account as closed, they reported the balance incorrectly, the type of account, and payment history to all the bureaus. XXXX, XXXX, and Equifax continue to act blindly and do not enforce FCRA statutes. All the investigations from bureaus regardless of the documents provided go back to this scum bucket company that validates or takes my proof to then update the information to be accurate thus the collusion because the bureaus allow it happens and leave this fraudulent information on my file. This item has been disputed over 7 times since 2019. I have never even entered into a legal agreement with this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been told by the employee of this XXXX LLC that every time I dispute it is just a click of the mouse saying the record is accurate. On some occasions the dispute would be resolved in XXXX hours with the bureaus. Time and time I have followed the FCRA guidelines identified the inaccurate data but yet for over 3 years this item has remained on my file affecting my life negatively. My credit score has taken a toll which affects my financial situation at home because my rates on loans and other items using the credit score are affected. I have not been able to purchase a home or other transactions due to this company 's refusal to do the right thing along with the bureaus. FCRA just asks that a company reports accurate and truthful information to the bureaus. They have made this personal since they acquired this debt which is illegal. They are the scum of the earth and because I told them to XXXX XXXX, they continue to report false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This inquiry is fraudulent and does not belong to me. 

XXXX XXXX XXXX XXXXXX/XX/2023

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