vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-30 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both XXXX U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2023-06-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Debt Co LLC
State: WI

Complaint narrative:
XX/XX/XXXX I received a scam letter about some fake debt in the amount of XXXX. 

The " company '' is listed on the envelope as : Debt Co LLC XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX XXXX XXXX They said the date of the fake debt was XXXX XXXX, XXXX  I called the number and told them I had no familiarity with " XXXX XXXX '' the owner of the supposed debt. They told me I filled out an online application. They had my bank and social sec. number which is alarming. 
The email that the lending company gave me - XXXX and the address connected to the email XXXX XXXX XXXX XXXX XXXX XXXX ( I have no connection to that email and I doubt the address exists. Having lived in XXXX for over three decades, I've never heard of it. 
Please help shut down these scammers. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a FSA for commuter mass benefits for TOLLS  and the bank " XXXX XXXX  '' is not paying the XXXX as I instructed. I have funds available and they are not giving me access to those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: TN

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. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX  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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30 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: TN

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. 

Account name XXXX XXXX XXXXXXXX of 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 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

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 2023-06-30 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: FL

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3600.00}, DPT ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3600.00}, DPT ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3600.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

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 2023-06-30 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: PA

Complaint narrative:
According to 15 U.S. Code 1681c-2, this is my statement that all of the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. 

Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. Under the permissible purpose section of the Fair Credit Reporting Act, I have NEVER given this agency written consent to report this information. 

I demand these accounts be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 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: PA

Complaint narrative:
According to 15 U.S. Code 1681c-2, this is my statement that all of the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. 

Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. Under the permissible purpose section of the Fair Credit Reporting Act, I have NEVER given this agency written consent to report this information. 

I demand these accounts be deleted from my credit report.

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 2023-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
Was contacted by a collection company for a debt we have no idea of. Told them we did not know who or what & they should stop harassing us. They then said that we requested a packet of information which we had only instructed them to stop contacting us and harassing us. They are still doing it and we have no idea who they said we owed ( never heard of them ) but we have no idea who it is or anything regarding it - no knowledge - willful or otherwise. Please have them stop harassing us.

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 2023-06-30 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: SC

Complaint narrative:
I recently reviewed my Consumer Report, to my dismay there are items and transactions on my Consumer Report that are violations of the below acts, bureaus, and commissions.

Transactions Act of 2003 ( FACT Act ), which Congress substantively amended the FCRA.

Consumer Protection Act ( Dodd-Frank Act ) which granted rule-making authority under FCRA Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission-Oversees identity for consumers Attorney General of the Consumer Reporting Agency 1681a. Definitions ; rules of construction 1681a. Definitions ; rules of construction 15 U.S. Code 1681d - Disclosure of investigative consumer reports 15 U.S. Code 6802 ( b ) - Obligations with respect to disclosures of personal information THEREFORE, THIS LETTER IS AN ATTEMPT TO WORK WITH THE ABOVE CONSUMER REPORTING AGENCY TO CORRECT MY CONSUMER REPORT BEFORE FILING A LAWSUIT : The below items and transactions that are being reported on my Consumer Report are being reported illegally, unlawful, and bluntly a disregard to the FCRA/FACT Act, that was put in place by the US Congress . This is resulting in identity theft by Transunion a Consumer Reporting Agency a for profit none federal agency. 

BEING REPORTED ILLEGALLY, UNLAWFUL BY TRANSUNION US DEPARTMENT OF AGRICUL- LATE PAYMENT TRANSACTION XXXX XXXX XXXXLATE PAYMENT TRANSACTION XXXX XXXXLATE PAYMENT TRANSACTION

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 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I received my investigation back and you stated that you completed a fair investigation and that these accounts are 100 % accurate. 

But can you please answer this one question. How did you investigate these accounts?

Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigate my consumer report.

You were supposed to interview my neighbors and interview my friends.

Did you interview my neighbors?

Did you interview my friends?

Who did you talk to?

When did you talk to them?

One more thing can you please tell me how everything is 100 % accurate if these accounts High Balance, the Last verified date, Date Reported, the Date Opened, the Closed Date, the Creditor Type, the Last Payment Date, the Account Type, the Credit Limit, and the Date of Last activity are STILL NOT reporting the same information at all?

You have violated multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.

I demand deletion of the accounts from my credit report. I've listed below : XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX OF XXXX Account # XXXX, XXXX OF XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX Delete these accounts immediately or you will be responsible for {$1000.00} per violation. 

Send me updated credit report with accounts permanently deleted. 

In accordance with the Fair Credit Reporting Act they 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. This is ILLEGAL. I'm asking that all accounts be permanently deleted from my credit report. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing inaccuracies on all of these accounts. Multiple laws have been broken a few are listed below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i. Because of all of these additional infractions I request permanent deletion of all of the listed accounts.

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 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I received my investigation back and you stated that you completed a fair investigation and that these accounts are 100 % accurate. 

But can you please answer this one question. How did you investigate these accounts?

Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigate my consumer report. 

You were supposed to interview my neighbors and interview my friends. 

Did you interview my neighbors? 
Did you interview my friends? 
Who did you talk to? 
When did you talk to them? 

One more thing can you please tell me how everything is 100 % accurate if these accounts High Balance, the Last verified date, Date Reported, the Date Opened, the Closed Date, the Creditor Type, the Last Payment Date, the Account Type, the Credit Limit, and the Date of Last activity are STILL NOT reporting the same information at all? 

You have violated multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.

I demand deletion of the accounts from my credit report. I've listed below : XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX OF XXXX Account # XXXX, XXXX OF XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account XXXX XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX Delete these accounts immediately or you will be responsible for {$1000.00} per violation. 

Send me updated credit report with accounts permanently deleted. 

In accordance with the Fair Credit Reporting Act they 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. This is ILLEGAL. I'm asking that all accounts be permanently deleted from my credit report. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing inaccuracies on all of these accounts. Multiple laws have been broken a few are listed below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i. Because of all of these additional infractions I request permanent deletion of all of the listed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
It wont let me cancel my account because unless I pay off my loan with a $ XXXX monthly membership fee! I I liked my bank account but they still take money from my account

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 2023-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Since I discovered my credit report on Transunion which I recently had access via email I discovered numerous incorrect personal information that needs to come off and needs to be investigated and I was recently locked out of my account, today XX/XX/23 I waited on hold for over XXXX minutes just to be hung up on repeatedly

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 2023-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I just got a new Master credit card ending with XXXX with Bank of America. 
Their record show my XXXX credit score is XXXX out of XXXX. But they gave me 24.99 %. 
My cousin has also the same credit card few days ago. He got 22.99 % with a credit score of XXXX. I called Bank of America, and ask them why my rate is 24.99 % with XXXX XXXX score while my cousin get 22.99 % with XXXX XXXX? 
They could not answer my question.

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 2023-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
A cash deposit {$760.00} was made Friday XX/XX/2023 to Account ending XXXX XXXX  at XXXX information on the receipt is as follows Amount {$760.00}, Teller XXXX, Bank XXXX, Branch XXXX, Transaction XXXX. On Monday XX/XX/XXXX I called and relayed all information, it is now XX/XX/XXXX and still no money is in my account. 

I would like my money and additional fair compensation, the bank would have charged me a fee if I was short in my dealings with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I ask that you please delete this account because it is not mine because I am very upset that they are showing up on my credit report. I'm really disappointed in them for subjecting me to this. As soon as possible, I want the business to take this off of my credit report. It's not mine at all!

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 2023-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I had an account with XXXX everything was fine was getting direct deposit and they were helping me fix my credit. My account was restricted after I notified them that there was a check that was deposited into my account and I didnt put it there and was wondering what was going on. They told me it will be an investigation that could take up to 30 days but never got back to me and now I cant even open a bank account anywhere. I was a loyal customer I feel they should unrestrict my account because Ive done nothing wrong

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation