vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I received an email from Bank Of America on XX/XX/2022 at XXXX pm regarding verifying my email address. Then on XX/XX/2022 at XXXX am, I received a second email from Bank of America regarding an Online application is in progress with a confirmation # : XXXX. A third email was sent at XXXX am on XX/XX/2022 stating : " Your new account is open '' ending in XXXX. Finally, a 4th email was sent from Bank of America at XXXX am, stating that " You're enrolled in Online and Mobile Banking ''. This account was open fraudently.

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 2022-08-27 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I received a copy of my credit report and noticed some Hard Inquiries that I don't recognize. 

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
Consumer complaint received 2022-08-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Dividend Finance Inc.
State: AL

Complaint narrative:
Acquired loan on XX/XX/22. Payment prior to statments XX/XX/22 {$100.00}, XX/XX/22 {$100.00}. Additional money sent XX/XX/22 statement {$14.00}, XX/XX/22 statement {$14.00}. All additional payments are being applied to the interest and not the principal. I contacted the company by email and a letter on XX/XX/22 stating all additional payments, dates that were to be applied to principal and asked for correction by next statement. No corrections have been made and they continue to apply all money sent to interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
I tried to log into your XXXX account which they deny my services and also dont let me enter my account Goldman Sachs XXXX XXXX XXXX are restricting me from my own account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I sent {$500.00} via Zelle for a XXXX XXXXt and the seller is not acting in good faith. As agreed seller was to ship item on Friday XX/XX/2022 and provide me with a tracking number. The seller is not responding to my texts. Seller stated his name is XXXX XXXX and his zelle is linked to email XXXX. Contacted him via cell phone number ( XXXX ) XXXX disputed charge with XXXX bank and submitted an ic3 complaint. Zelle Id is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am including a copy of 15 U.S. Code 1681 ( a ) ( 2 ) as it pertains to a fraudulent account that is still showing up on my Experian credit report. The account in question is XXXX XXXXXXXX XXXX XXXX. I would like to note that this account was removed from both my XXXX and XXXX reports. Also this account is reporting an address of XXXX XXXX XXXX XXXX XXXX XXXXY, CA XXXX, and not only is this reporting a violation of the law that I am attaching ... the bigger problem is that I sent an Investigation request letter to Experian asking that this account be removed should it not be valid. Not only is this account not valid... it is reporting an address that dosent even exist. Which means that Experian didn't do a proper investigation. For these reasons I kindly request that this item is immediately removed from my credit report, and that this false address gets removed from my report as well. A quick XXXX search will prove that this is not a valid address and listing it on my credit report is a violation of my rights.

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 2022-08-27 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U, S. Cilde 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

The following have violated my rights : - XXXX XXXX XXXX - 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 also states consumer reporting agency can not furnish an account with my written concern.

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 2022-08-27 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: TN

Complaint narrative:
Need to remove these accounts i've been sending letters in for the past 6 months.

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 2022-08-27 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: TN

Complaint narrative:
Need to remove these accounts i've been sending letters in for the past 6 months.

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 2022-08-27 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U, S. Cilde 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.

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 2022-08-27 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: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
I reached out to Midland Credit Management about a collection they put on my report via certified mail on XX/XX/2022. I sent a verification/dispute letter. I have yet to receive any response from Midland Credit management to this date. I also sent a copy of the original verification/dispute letter to XXXX via certified mail on XX/XX/2022 with a copy of the original certified mail receipt. They continue to report these inaccuracies on my credit profile. Also Im still yet to receive a response from the creditor in any form. Please assist me with getting this account removed/deleted. I feel this is an illegal practice on there end and they are violating federal and state law. Per Iowa law the creditor has a 30 day window to respond to my dispute. They have failed to do so in 2 separate dispute encounters which resulted in the removal of the account. This account out of the statute of limitations for reporting, I recently checked my profile and they have added the account back to my credit file for a second time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27 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: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
I tried to get late car payments off the credit report. From Toyota and XXXX 's Finacial was told they can't take them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U, S. Cilde 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve

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 2022-08-27 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: FL

Complaint narrative:
My older brother stole my identity and use it to open fraudulent 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 explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I started a home buying journey early 2021 and noticed inaccurate and invalid information on my credit report. I have requested The companies to validate or remove this items from my report since as early as XXXX of XXXXThese companies have refused to do so in over a year!! 

I find this act as 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character. I have not received any response back on this matter. This issue has affected me purchasing a home and my good name. The item is XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  Per the Law ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2022-08-27 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: SC

Complaint narrative:
I received a copy of my credit report and noticed some Hard Inquiries that I don't recognize. 

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
Consumer complaint received 2022-08-27 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I received a copy of my credit report and noticed some Hard Inquiries that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2022 I went to the Truist Bank XXXX XXXX XXXX XXXX in XXXX TN. I had the misfortune of having to interact with XXXX. I inquired about making international transfers via the phone as I live part time in XXXX, she said they did not allow this and I had to go into the Branch. I told her there must be a way and she became argumentative and we went back and forth, I asked to speak with one of the bankers and she said they would tell me the same thing. Extremely rude, condescending and an overall unpleasant person. I ended up speaking with XXXX who confirmed that this could be done. XXXX did not know the process very well so I ended up speaking with XXXX who was almost as bad as XXXX and did not care when I complained about XXXX 's service. I was told I needed to sign paper work and get a pin and it would take about 2 days. I completed the paperwork and left. I told my wife that it would need to be mailed and would take 2 days which did not make sense to her and she called XXXX on XX/XX/XXXX, who then said it would take 2 days to process and 5-7 to get the pin. XXXX said she could not help ( although made no attempt to call the wire department ) and said she would transfer my wife to the wire department and then did a " cold '' transfer to the normal customer service line and someone in the XXXX. This person was also unable to help and so my wife asked to speak with someone in the U.S. She ended up getting transferred several more times ( 4 in total ) until she was told that the wire department does not speak to customers. I have a need to transfer the money early next week and am back in XXXX and Truist created a number of problems by preventing me from making a transfer and access to my money. The conversation with XXXX and my wife was late on the XXXX a Friday and she did not appear to want to take the time. This is not the first time we've had issues with extremely poor service from Truist.

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 2022-08-27 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U, S. Cilde 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.

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 2022-08-27 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: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
accounts on autopay. dont know why it has a late payment .... account is paid up in full.

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 2022-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Mortgage obtained lender paid coverage on my property even though I had coverage. They did not notify me and I never authorized this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U, S. Cilde 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve

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