vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-18 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: AZ

Complaint narrative:
XX/XX/23 i sent a dispute to experian going over some items i felt were in accurate and eperian has done everything to ignore my request to look into the dispute. They continue to stall in regards to this matter

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 2023-11-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023 at approximately XXXX, I was discriminated against by Bank of America. They refused to let me get my money off my EDD card which is a Bank of America card allegedly because my middle initial wasnt on my bank card. I do not get to choose whether my middle initial comes on the card, the card is automatically issued by CA EDD. My ID matches the name and address on my card, and I know my PIN. I spoke with the manager who also denied me access to my money allegedly because my initial wasnt on my card and stated that was Bank of America policy, even though I had no issue 2 weeks ago with a different bank teller doing the same transaction. I left and went to the next local branch and completed my transaction without any issue. I asked if there a policy that states that I have to have my middle initial on my card to which they stated no such policy exists and gave me my money. There was no reason for the initial transaction to be denied and asking me to leave other than discriminatory practices at the first banking location and the first bank teller involved

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 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
In years past I had a security freeze on my XXXX XXXX credit report that I didn't initiate and it took many attempts before removing the notice or freeze

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XX/XX/2019 & XX/XX/2019, I was physically XXXX per XXXX. 

I didnt have any paystubs to prove I had a job or a Nj driver license in my possession XXXX XXXX XXXX was stolen XX/XX/2019. 

Wells Fargo approved a loan with XXXX XXXX group without a paystubs, car insurance, a Nj drivers license. 

Nj Motor vehicle took the vehicle out my name XX/XX/2019. Due to a salvage title filed with them. A flood damage XXXX rental car with miles rolled back to 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 2023-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I don't know why Chase just lock my account and I can not use my app on Friday XX/XX/2023. I called them and they just unlock my account without telling my anything. Today, XX/XX/2023 I want to transfer my money to a friend and it's been auto cancelled and I called them again they just told me my account is locked forever and I can not transfer or withdraw any money of my account. Still they didn't tell me the reason and I don't know why and I have no money to live at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: MD

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.

Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE FOLLOWING ACCOUNTS : XXXX XXXX XXXX, XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX Form XXXX was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately. 
To my CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.

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 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Very disappointed with XXXX, of all Credit Agencies, your response and clear lack of proper assessment, you've sided with a crooked company that has lied and not corrected their own misreporting, despite my screenshots of information proving so. You also continue to reduce our scores, again without any consideration, which the other agencies have corrected and who properly reviewed all information and took care of correcting information and scores. Despite proof of unfaultered trial payment program, which has not been corrected, you clearly are unable to rationalize the facts. 

SLS - Specialised Loan Services, shows missed payments on our mortgage, on XXXX occassions, - PRIOR TO THEIR OBTAINING the mortgage from XXXX XXXX, where there was an agreed deferment and already signed documents in place to restart payments, AND SLS reporting failure of making trial payments to them, which are clearly documented on the account, received documents of confirmation of ALL Trial Payments and agreement to continue planned payments, YET SLS and XXXX have failed to remove the INCORRECT INFORMATION FROM THE CREDIT AGENCY PUBLIC RECORDS. WHEREAS the information has been corrected with XXXX AND XXXX ..... 
This has now caused any company using ONLY XXXX to DENY CREDIT, based upon FALSE INFORMATION from SLS on XXXX site. 
We have also since received a letter from SLS offering products to us, based upon our " EXCELLENT PAYMENT HISTORY '' SLS and XXXX HAVE FAILED to correct and will be subject to litigation with the Documented proof we have from SLS THAT EVERYTHING SINCE AND INCLUDING THE TRIAL PERIOD was satisfactorily PAID AND SETTLED.

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 2023-11-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX

Complaint narrative:
On my credit report ( XXXX XXXX, XXXX ) I have a collection from a creditor : MBA Law. I have no idea what this and why it's on my credit. The account was opened XX/XX/2023. I was not affiliated with this business during this time, or anytime. The original creditor is XXXX XXXX XXXX XXXX. The amount is {$1500.00}. This is not accurate. I want it off my credit immediately! This company, nor do the credit bureaus have my permission to put this on my report. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 Any other adverse item of information, other than records of convictions of crimes 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 or has reasonable cause to believe that the 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 2023-11-18 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 Any other adverse item of information, other than records of convictions of crimes 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 or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I REQUESTED THESE ACCOUNTS BE DELETED AS WAS DELETED FROM XXXX AND NOW PUT BACK ON ALL 3 CREDIT BUREAUS. PLS SEE ATTACHED AND DELETE ALL ACCOUNTS OR GIVE METHOD OF VERIFICATION. 

The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account-XXXX XXXX XXXX XXXXXXXX -- 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. 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 Any other adverse item of information, other than records of convictions of crimes 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 or has reasonable cause to believe that the 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 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
XXXX XXXX ( XXXX ) XXXX traded in my XXXX and sold me a lemon with 4 balled tires, no sensors and I took it in to XXXX XXXX ( XXXX ) XXXX who harassed me for {$300.00} for a spare key. 

XXXX XXXX XXXX my landlord I watched steal the key and called XXXX. I had XXXX my car insurance tow the car back on the lot on camera and Toyota motor corporation refused to remove off my credit report. 

The brakes didnt work, the car didnt drive at all. I removed my tags and called XXXX XXXX police to gain access due to the fact it was a Saturday morning and the arm would not lift for the tow truck driver.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
After several attempts to rectify the problem to avail, A credit reporting agency Equifax continues to allow fraudulent information to be attached to my credit profile. XXXX XXXX, a car finance company closed my account on XXXX. After an allocated amount of time, a negative item is to be removed. The amount of time a negative item has to remain on a consumers credit profile is contingent upon the date of the last payment pursuant to the guidelines of the FAIR CREDIT REPORTING ACT. EQUIFAX continues to report payments being made to XXXX XXXX account as recently as XX/XX/2023 from myself which is blatantly inaccurate. The inaccurate information gives EQUIFAX the unfair ability to keep the item on my report for a longer term than is legally allowed. This negligent practice of inaccurate reporting has had an adverse effect on my ability to receive and sustain the the promises guaranteed under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JNR Adjustment Company, Inc
State: PA

Complaint narrative:
A company called JNR adjustment company in XXXX Minnesota has been sending letters to me stating that I owe {$710.00} to my telephone company of XXXX XXXX. 

I contacted XXXX XXXX and talk to a gentleman in the department of loss by the name of XXXX his telephone number is XXXX and he stated to me that on the date it was on the letter sent to me to be collected the money of A damage claim on a telephone line on XX/XX/2022 he stated was a standard call out and there was absolutely no charge. 

I told him of the collection letter from this company in XXXX wanting me to pay {$710.00} he said there was nothing owed by me and it would appear to be a scam and to absolutely not pay that bill because there is no bill or any money owed by me XXXX XXXX XXXX also said this makes absolutely no sense because my XXXX XXXX bill is in my wife XXXX XXXX name and he asked me to report this as a scam against 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 2023-11-18 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: TX

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 customer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: Experian Information Solutions Inc.
State: TX

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 customer 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 explanation
Consumer complaint received 2023-11-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 Any other adverse item of information, other than records of convictions of crimes 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 or has reasonable cause to believe that the 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 2023-11-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 Any other adverse item of information, other than records of convictions of crimes 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 or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 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: TX

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 customer 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 explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
Chase bank will not return two online transactions from my business checking account into my personal account and they also debit two transactions for the same amount and will not give me my money back I have called numerous times and all I get is letter stating they will not be returning the money I have all nessary documents to prove they have literally stolen my money I have been dealing with this since XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: TX

Complaint narrative:
I recently checked a copy of my credit report and I'm horried and shocked that I'm a victim of identity theft. I found many accounts and hard inquiries on my credit report that were not open by me. This is hurting me very much because I'm in the important process of getting a house for my growing family size, my ancee, and my daughter. This is also hurting me also to get my daughter a car for school and work. Please remove and delete the fraudulent accounts and hard inquiries from my credit report as soon as possible. 
( Hard Inquiries are listed below. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief