vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-19 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: AL

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: CO

Complaint narrative:
I was denied renters insurance due to two claims on my account that I have nothing to do with. The claimant is XXXX, XXXX and the dates are for XX/XX/XXXX  and XX/XX/XXXX  at the address XXXX XXXX XXXX ( with no city or state listed ). I have never been to this random XXXX XXXX XXXX and have never met a XXXX XXXX. I attempted to call LexisNexis which is the consumer report company that XXXX uses, and I can not reach anyone real to dispute this. Nor can I find anything on their website for disputing that doesnt bring me here to consumerfinance.gov. The false claim runs through the also false company XXXX XXXX and the policy number is # XXXX. The loss report reference number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: TX

Complaint narrative:
I am writing to dispute the account referenced XXXX XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the creditor myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the creditor as well as the credit reporting agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt. Stop reporting this information on my credit report for failure to legally verify. Please see the attached letters which are dated and time stamped.

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 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On XX/XX/2023, Citizens Bank experienced a system issue and our customers, including myself, could not access their accounts. In addition, a deposit of my paycheck that comes every other Wednesday between XXXX XXXX  and XXXX XXXX  Eastern standard time did not go into my account. No one has access to their accounts online or via mobile banking. When I called Citizens, they told me they dont know when this problem will be resolved. I can not pay my bills today that were due and I have no money in my account except for {$55.00}. I am stuck. This is not the first time this has happened with CitizensBank, where their system has gone down, and no access to any funds. They have no answers and did not offer any solutions other than an apology. This has gone on too many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX, I made a purchase for {$7.00} on my Bank of America credit card, a XXXX ending in XXXX. I have had the account in good standing since opening in XXXX, XXXX. The statement posted on XX/XX/XXXX and payment was due XX/XX/XXXX. I unfortunately forgot to pay, it slipped my mind. But I received no reminder emails about the missed payment and I had electronic delivery set up. So my account went from late payment to 30 day missed payment, and then 60 day missed payment, all with no contact from Bank of America. I finally noticed the payment was due when I saw it in my personal finance aggregator app ( XXXX XXXX, now called XXXX ). I paid it immediately, XX/XX/XXXX. Again, no late fee was charged to indicate something was wrong, nor any notice of late payment. 
In XXXX of XXXX, I noticed my account was closed. My credit report states is was closed XX/XX/XXXX. I had to call Bank of America, who would not disclose the reason for the account closing. I was informed that I would get a letter in the mail, which never came. I called back in XXXX of XXXX and was informed again that nothing could be disclosed and that I would get a letter in the mail. It is now XX/XX/XXXX, and I have received no letter. 
I believe Bank of America set me up for failure, as I now have two negative remarks on my credit report and they refuse to communicate with me about the payment or the account closure. I feel the situation would be rectified if the late payment remarks could be removed from my credit report since they also played a role in lack of communication about the missing payment and later failed to follow their own instructions that I would receive a letter with details.

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Ive been really lucky. They have tried to get credit cards under my name. Unfortunately they have not been able to. The reason why is because my credit score dropped so low I have lots of hard inquiries on my credit report and I like those removed All the credit cards they have applies for have been denied

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Ive been really lucky. They have tried to get credit cards under my name. Unfortunately they have not been able to. The reason why is because my credit score dropped so low I have lots of hard inquiries on my credit report and I like those removed All the credit cards they have applies for have been denied

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: TX

Complaint narrative:
I am writing to dispute the account referenced XXXX XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the creditor myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the creditor as well as the credit reporting agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt. Stop reporting this information on my credit report for failure to legally verify. Please see the attached letters which are dated and time stamped.

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 2023-07-19 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # 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 a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account 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 explanation
Consumer complaint received 2023-07-19 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # 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 a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My bank account with Chase was closed over 3 years ago through XXXX by which I did not do. I believe that I am a victim of fraud and have my consumer report that I wanted to show you to overturn the decision to close my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: TX

Complaint narrative:
Wrong Inquires showing on my account on all the XXXX credit bureau for XX/XX/2022. I have called all business and they say there is nothing on my name in there system. I am wondering why it is showing in XXXX, XXXX XXXX Transunion. Can you please help. I am reaching it XXXX time to CFPB so that i can get help. 

XXXX credit report : Hard Inquiries Enquiry Date : XX/XX/2022 Company Name : XXXX  XXXX  Address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX Note : I was able to file dispute successfully online on XXXX XXXX. Please help in looking into it & remove the hard enquires from my account. Please let me know if you additional information from my end. I have police complaint for this issue. I have also called Ally Financial and XXXX XXXX XXXX and they say there is noting on my name. 

******************************************* XXXX Inquiries : Inquiries XXXX XXXX Inquiry date : XX/XX/2022 Additional details : - Business type : Auto Financing Companies Contact info : - Address : XXXX XXXX XXXX, XXXX, MI XXXX Phone number : ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX : XX/XX/2022 Note : XXXX website don't allow Inquiries to be disputed online. It says if you believe an inquiry is the result of identity theft, contact us at XXXX. I called this number filed dispute and i have been told that this will be removed. Experian Dispute number : XXXX. Please help in looking into it & remvoe the above XXXX hard enquires from my account. Please let me know if you additional information from my end. I have police complaint for this issue. I have also callled Ally Financial and XXXX XXXX XXXX and they say there is noting on my name. 

*************************************************************** TransUnion : Name : XXXX XXXX XXXX Requested on : XX/XX/2022 Location : XXXX XXXX, XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX Inquiry Type : Individual Name : XXXX XXXX XXXX via XXXX XXXX XXXX Requested on : XX/XX/2022 Location : XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX Phone : Phone number not available Inquiry Type : Individual Note : Transunion website don't allow Inquiries to be disputed online. Please help in looking into it & remove the above XXXX hard enquires from my account. Please let me know if you additional information from my end. I have police complaint for this issue. I have also called TD Auto Finance and XXXX XXXX XXXX and they say there is noting on my name.

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 2023-07-19 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: TX

Complaint narrative:
Wrong Inquires showing on my account on all the 3 credit bureau for XX/XX/2022. I have called all business and they say there is nothing on my name in there system. I am wondering why it is showing in XXXX, Experian XXXX XXXX. Can you please help. I am reaching it XXXX time to CFPB so that i can get help. 

XXXX credit report : Hard Inquiries Enquiry Date : XX/XX/2022 Company Name : XXXX  XXXX  Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX Note : I was able to file dispute successfully online on XXXX XXXX. Please help in looking into it & remove the hard enquires from my account. Please let me know if you additional information from my end. I have police complaint for this issue. I have also called XXXX XXXX  and XXXX XXXX XXXX and they say there is noting on my name. 

******************************************* Experian Inquiries : Inquiries XXXX XXXX Inquiry date : XX/XX/2022 Additional details : - Business type : Auto Financing Companies Contact info : - Address : XXXX XXXX XXXX, XXXX, MI XXXX Phone number : ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX : XX/XX/2022 Note : Experian website don't allow Inquiries to be disputed online. It says if you believe an inquiry is the result of identity theft, contact us at XXXX. I called this number filed dispute and i have been told that this will be removed. Experian Dispute number : XXXX. Please help in looking into it & remvoe the above XXXX hard enquires from my account. Please let me know if you additional information from my end. I have police complaint for this issue. I have also callled XXXX XXXX and XXXX XXXX XXXX and they say there is noting on my name. 

*************************************************************** XXXX : Name : XXXX XXXX XXXX  Requested on : XX/XX/2022 Location : XXXX XXXX, XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX Inquiry Type : Individual Name : XXXX XXXX XXXX via XXXX XXXX XXXX Requested on : XX/XX/2022 Location : XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX Phone : Phone number not available Inquiry Type : Individual Note : XXXX website don't allow Inquiries to be disputed online. Please help in looking into it & remove the above XXXX hard enquires from my account. Please let me know if you additional information from my end. I have police complaint for this issue. I have also called XXXX XXXX XXXX  and XXXX XXXX XXXX and they say there is noting on my name.

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
today at XXXX XXXX on XXXX XXXX I received a call from XXXX XXXX, tel XXXX that someone using my info identity is trying to purchase an auto at XXXX and I told XXXX this is a fake fraud and I never did this and had never tried this and they issued an reference number XXXX. Please help me and alert all credit agencies this is a an ongoing fraud.

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 2023-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: MS

Complaint narrative:
Credit Corp Solutions continues to I mailed certified letter XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX letting them Credit Corp Solutions know that they are in direct violation for refusing to validate a debt. Credit Corp Solutions continues to sent out the exact copy of the same letter with updated dates each year. In the letter I sent to Credit Corp Solutions dated XX/XX/XXXX I advised them that failure to validate the debt would waive any and all claims against me and they would be responsible for paying me for their continued violations and harassments in a attempt to collect on a debt that they can not validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: Global Lending Services LLC
State: GA

Complaint narrative:
I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: TX

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: WA

Complaint narrative:
This complaint is against Flagstar Bank N.A. at XXXX XXXX XXXX, XXXX, MI XXXX This time, got a letter in the mail asking me to apply for a HELOC. 
Then got a voice mail asking me to check status of my mortgage on line. Checking it only to find that everything was in order. 

Before this, I got letters from the Flagstar bank saying my mortgage were in the process being foreclosed. Contacting the company only to find out that due to increase of property taxes, my last payment was short of a few dollars and they had already charged my hundreds of dollars of late fees. I paid everything and they promised to reverse the late fees and they never did.

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 2023-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
Avant , LLC called me more than 7 times in a 7 day period. They called me at XXXX XXXX  and XXXX XXXX  on Saturday, XXXX XXXX and XXXX XXXX  on Monday, XXXXXXXX XXXX and XXXX XXXX  on Tuesday, and at XXXX XXXX  and XXXX XXXX  today ( Wednesday ).

Company response to consumer: Closed with explanation