vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-07 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: FL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: FL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-10-07 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
This is RIDICULOUS!! HOW MANY CONPLAINTS DO I HAVE TO FILE!!? MY BANKRUPTCY WAS FILED XX/XX/XXXX WHICH MEANS YOU'VE EXCEEDED THE 7 YEARS TO REPORT. I WANT THE FRAUDULENT AND UNAUTHORIZED INQUIRIES REMOVED IMMEDIATELY. IVE BEEN DISPUTING SEVERAL OF THEM SINCE 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 2022-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
On or about XX/XX/22 I completed all the necessary paperwork I was asked to complete by a Chase Branch associate named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Several days later I was told they needed more than just a mailing address for which I provided on my next visit. Several more days have passed and the bank still said they need a residential address so I returned to the bank a XXXX and XXXX time to give them this information that was uploaded at the Branch. Up to Several more days went by and I asked if processing was completed to make my new account UNrestricted. Again they said there is a problem with the residential address and I brought additional information bank requested which was a copy of the residential lease and also confirmation page with the property managers contact information that clearly shows multiple bona fide signatures. The branch manager XXXX assisted me for an hour while he contacted Chase Bank representatives to fix this ongoing issue. However, the Chase bank representative XXXX was speaking to refused to contact the " compliance department '' because she said there is no contact information for them which seems really odd that a bank does not have ability to communicate with other departments. Regardless, a bona fide lease with multiple signatures and initials by property manager an myself were throughout the lease. The Branch Manager XXXX also explained to the internal chase bank agent ( I think they call it the XXXX department ) that the posted document requirements for opening a simple checking account was met even though the XXXX agent had conflicting information. Chase bank tied up my {$1500.00} deposit for almost a month preventing me from having access to the funds. I am told now today that the " Compliance Department '' said there are missing signatures on the lease which is NOT true. Now the bank is refusing to open my account and refusing to take it off " Unrestricted " status for reasons unbeknownst to me other than it must be a prejudice or discriminatory practice because I gave them everything they asked for and more but they are playing games with their non-specific responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: PA

Complaint narrative:
15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT.

( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 
( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

-- I am entitled to Fair Credit Reporting. 
-- I have given them authorized permission to report this public record on my consumer credit report. 
-- I Demand it to be reported and every violation of failure to report authorized information on my report is a {$1000.00} fine. 

-- Letters have been sent certified mail and return receipts have been received by me. 

-- The following is a public record UCC filing and my permission has been given orally, in writing, and electronically to report this public record on my consumer report and I demand it to be reported : -- RE : PUBLIC RECORD FILING -- XXXX XXXX Department of Real Estate : -- Mortgage Agreement Filing Number : XXXX. 
-- UCC Filing Number : XXXX. 
-- UCC Filing Number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: MS

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I sent an international wire transfer in the amount of {$72000.00} ( switched it to Brazilian currency before sending it, which was {$350000.00} XXXX  ) on XX/XX/2022 to my wife. I was told from my bank, which is XXXX XXXX, that it would take 3 hours if not it would be there by the next day. This Monday will be 6 weeks and the money still hasn't made it down there. Apparently, they go through Bank of America when dealing with international wire transfers, and me and my bank have reached out six times to Bank of America to find out where the money is, the last two times requesting a recall of that money. The last request being XX/XX/XXXX. This has been going on for 4 weeks and Bank of America has not responded one time to this inquiry. I don't know what is going on, and to them this might not be a lot of money, but this is my life savings and this was to buy a condominium down there for me, my wife, and my XXXX daughter that will be born on XX/XX/XXXX. This whole process has cost me more money because of the fact that I'm still trying to hold on to the property that we signed the agreement on, but since I didn't get the funds in time, I'm being penalized each day with interest. At this point I just want my money back and a response telling me your money is on its way back, but I can't even get that nor any other response from Bank of America. If I forfeit on this condo it will cost me another {$7200.00}. I don't know what else to do...

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 2022-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: NV

Complaint narrative:
I paid off an auto loan held by US Bank around XXXX XXXX XXXX. To date, US Bank has yet to release the electronic title with the XXXX DMV and is unwilling or unable to release it. My car was recently totaled in an accident, and I need the title yet US Bank seems to be holding it hostage due to their incompetency.

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 2022-10-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-10-07 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: MS

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: MS

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-10-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I sent a 609 Letter to Experian asking for validation of original debt history because unfair collection and unfair reporting practices with XXXX continues to not report my XXXX payment history. I also followed up with an 611 letter to try to resolve the matter. Experian did not do their due diligence in correcting matter. XXXX intentionally suppress my payment history by not correcting the reporting my XXXX payment history. XXXX account is old and requires removal from my credit report. I have made over 5 disputes in reference to this matter. To no avail Experian verifies XXXX erroneous credit reporting data sometimes in less than XXXX hours. XX/XX/XXXX I called Experian stating my frustrations with their reporting practices and tried to file a complaint with their company but did not get any assistance. The Experian disputes report numbers are 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 2022-10-07 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: LA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A 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-end 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
Consumer complaint received 2022-10-07 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: LA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A 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-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: AZ

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX, 2022 I made a payment of XXXX dollars to XXXX XXXX XXXX, because they threatened to garnish my wages and sue me in court. After paying I did research and found that in Texas a collection agency can not threaten to garnish your wages. The name of the company given was XXXX XXXX XXXX and the address given is XXXX XXXX XXXX. XXXX XXXX, California XXXX. The number is XXXX XXXX XXXX and the person I spoke with XXXX is XXXX. They initially contacted family members who contacted me and gave me the above number to get in contact with them. They never came directly to me I never received a notice just a relying message from some family. I'm curious to know if after ten years can creditors come after you for a debt. I did sign something via email to make the payment and I hope I didn't entangle my self in web of obligation and now I have know choice but to pay. I called my bank to try and stop payment but they weren't able so they suggested calling them asking for a refund and I did and they said they would. That was on the XXXX of XXXX 2022 and also on the seventh of the month as a back up call to refunding because I was told it would take a couple of days. He ( XXXX ) told me on the seventh of XXXX 2022 that it's going to be a lengthy process and that they're going to take me to court and that I was going to have to pay court cost and attorneys fees. I really need the help to know if this is fraud or not. If not I'll pay.

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 2022-10-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-10-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: CA

Complaint narrative:
On XX/XX/XXXX, I spoke with personnel from Experian, XXXX, and XXXX about the potential for phony accounts to be created using my customer information. Since I didn't know how they got there, I begged everyone to erase these accounts. I received guidance from all three businesses on how to keep track of things and complete an FTC form. I submitted my information via standard mail on XX/XX/XXXX. Even after I had submitted my letters more than 30 days earlier, the accounts that were not mine were still shown in my documents since they had been " confirmed. '' I'm bothered and annoyed by this circumstance since it prevents my family and I from being able to purchase a home. I got in touch with the three companies again on XX/XX/XXXX to ask how they could demonstrate that these accounts belonged to me. They said there wasn't much more they could do to assist me and advised me to talk with the debt collectors directly. When the customer contacted, every bank that immediately sprang to mind had been dialed wrong and had no clue who I was or what the accounts were about. To be sure I didn't make a mistake, I conducted my study online. My friends told me to go to the CFPB website. I really hope this works since my family and I need the home we're trying to purchase.

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