vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-15 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: GA

Complaint narrative:
I have been requesting the credit bureaus Equifax, XXXX and XXXX to remove outdated accounts from my credit report for now 6 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of XXXX. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as requested but a few are still reporting with no response as to why these have not been address since they are clearly outdated. There are also several inquries in which I honestly do not recall authorization my reort to be pulled and have requested for these to be validated and removed. No response or action has been taken on any of these requests. 
At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options. 
I thank you in advance for your assistance and response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: FL

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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

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 2022-06-15 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: FL

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: CA

Complaint narrative:
Repeated attempts to talk with a representative at issuing bank. 

Calls transferred to automatic system with no human interface.

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 2022-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MO

Complaint narrative:
I previously filed a complaint on XXXX/XXXX/2022 with the CFPB against IC SYSTEM that was closed without any attempt of an investigation into the matter at hand. 

This organization violated federal law and continue to ignore any actions that are taken by me. 

Its been 29 days and I have not received a single piece of mail from IC SYSTEM and I do not understand how or why this is allowed to happen. 

IC SYSTEM posted an unverified collection to my credit without allowing me the opportunity to dispute the debt. Violations that occurred are as follows : 15 U.S. Code 1692g ( a ) Notice of debt 15 U.S. Code 1692g ( a ) ( 1 ) the amount of the debt ; 15 U.S. Code 1692g ( a ) ( 2 ) the name of the creditor to whom the debt is owed ; 15 U.S. Code 1692g ( a ) ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; 15 U.S. Code 1692g ( a ) ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; 15 U.S. Code 1692g ( a ) ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 15 U.S. Code 1692g ( b ) Disputed debts 15 U.S. Code 1692g ( c ) Admission of liability 15 U.S. Code 1692g ( e ) Notice provisions

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 2022-06-15 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance to the Fair Credit Reporting Act XXXX account numbers has volated my rights : XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 IT also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I noticed XXXX XXXX Ser on my credit report. That account does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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:
I noticed XXXX XXXXXXXX XXXX on my credit report. That account does not belong to me

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 2022-06-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 
The Credit Bureaus stated that they did a proper investigation on the accounts listed below. How is it possible when the open dates are inaccurate, the dates lasted reported are inaccurate, and account status are not accurate, etc. 

I requested that the credit bureaus " investigate every piece of information '' on the accounts listed below. According, to the FCRA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my accounts were verified but how is that possible if they did not do a proper investigation according to law.

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 an account without my written instructions. 

XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # 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 2022-06-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Technology Federal Credit Union
State: CO

Complaint narrative:
I opened a checking/savings account with First Tech FCU on XX/XX/2022. 

I made several deposits including the following : XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$100.00} XX/XX/XXXX : {$2900.00} XX/XX/XXXX : {$990.00} XX/XX/XXXX : {$1900.00} On XX/XX/XXXX, I received a secure message that my account was temporarily suspended. 

I have contacted First Tech a number of times by phone, approximately every 2 weeks, to find out when I will be able to regain access to my account and have been provided no information. 

I have received no other correspondence via phone, email or mail since the secure message received on XX/XX/XXXX. 

As of the posting of this complaint, it has been XXXX  days since access to my account has been suspended.

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 2022-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: MIDFIRST BANK
State: NY

Complaint narrative:
I signed up the XXXX checking account under following terms : XXXX is offering a bonus of {$250.00} when you open a new checking account and complete the following requirements : Make two direct deposits of at least {$1000.00} each into your Spend Balance within 90 days of account opening. 
I completed the required activities and I confirmed with XXXX customer service representative that I would get the sign up bonus. However, XXXX changed their terms without advanced notification by adding additional term to disqualify my bonus : Maintain a beginning of the day minimum Relationship Balance** of {$1000.00} USD for fourteen ( 14 ) calendar days following your second eligible direct deposit. 
I contacted them and was told I should be getting the bonus based off the terms that I signed up for. However, as of today, XXXX refused to pay the bonus.

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 2022-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/ 2022 at XXXX, I recieved an email invoice ( number XXXX ) from XXXX XXXX XXXX XXXX XXXX, reflecting {$2000.00} for XXXX car parts. I then checked my TD Bank account through the app and saw that there was a " pending '' charge of {$2000.00} against my account. I immediately called the TD Bank customer service line to report this transaction as fraud. At that time, I had my debit card in my possession. Incidentally, I reside in XXXX, Pennsylvania, and XXXX XXXX XXXX lists their address as being in XXXX, Georgia. 

TD Bank advised that they filed the claim and they would investigate it. I was advised that within 3-5 business days, the {$2000.00} would be credited back to my account. I was also advised that they would be conducting a complete investigation to confirm that I was not the one who made or authorized that debit. I offered to send any documentation that they might need and was told that they would let me know if they wanted the documents from me. 

I received the credit within 3 days. I then received a call to confirm that I received the amount, the claim was filed, and they were investigating it. I again offered to send any documentation that they might need and was told that they would let me know if they wanted the documents from me. 

On XXXX XXXX, 2022, when checking my balance on the app, I noticed that {$2000.00} credit was reversed on XX/XX/2022. I called customer service again and I spoke with a supervisor ( XXXX ) and was advised that because the claim was filed and denied, there was nothing else they could do. I was told that it was denied because they reached out to " the merchant '' and the merchant provided documentation that I somehow had authorized this transaction. I was told that if I refiled the claim, it would be denied again and that my only option was to go to the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
This is my second time reaching out to the cfpb for help after case XXXX was closed with no resolution or explanation. Bull City Financial Solutions violated the FCRA with a debt they say I owe back in XXXX. The issue still exist, Bull city has not yet verified the debt they say I owe and is still reporting the information on my credit report. Back on XX/XX/XXXX I mailed a written letter asking for validation to a debt placed on my credit report, and Bull city financial solutions failed to validate the debt and provide appropriate documentation. All proof of this was uploaded with complaint XXXX filed on XX/XX/XXXX. The CFPB failed to investigate thoroughly and continued to allow the information to be reported. 

Fast-forward to XXXX, I took it upon my self to try to settle this matter since I had been receiving no validation of the debt from bull city and no help from the CFPB. On XX/XX/XXXX I mailed a written letter once again, this time mentioning that bull city financial needs to validate my debt. The letter also mentioned that I did not believe the debt is mine but am willing to settle. A similar letter was mailed to Bull city financial on XX/XX/XXXX as well. 
Both of my letters were received and ignored by bull city financial solutions. 
My latest attempt to get validation from the company was me sending out yet again another debt validation letter. The letter was sent on XX/XX/XXXX and received on XX/XX/XXXX. 
Bull city financial solutions have yet to respond with the appropriate documentations needed to validate a debt under the CFPBs new Debt Collection Rules. ( https : //www.consumerfinance.gov/about-us/blog/understand-how-cfpb-debt-collection-rule-impacts-you/ ) Bull city financial has failed repeatedly to provide : Name and mailing information of the debt collector. 
Name of the creditor to whom the debt is owed. 
Account number ( if any ) associated with the debt. 
An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records. 
The current amount of the debt as of when the validation notice is provided. 
Information about your debt collection rights including how to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I was trying to get a loan from a company in XX/XX/XXXX but after they did an investigation on my credit information, they found that I had significant debt and could not offer me a loan. The main companies were bank of America and XXXX. 
The loan company said that I had debt with Bank of America of {$18000.00}. And that I had 2 XXXX cards for amounts of {$9400.00} and {$2700.00}. 
I called Bank of America and asked them to send me a letter showing my charges. But they said they couldnt that because Banks only hold 7 years worth of information and since the account was opened in XXXX, they did not have that information to give me. 
In emailing with my bankruptcy attorney, this is what he wrote back to me : Bank of America was listed in the schedules, and they were served with notice of the bankruptcy filing. Bank of America did file a proof of claim for other debt but not for the $ XXXX debt we listed in the schedules. It is probably a situation where Bank of America did not have documentation showing the debt was owed and chose not to file a proof of claim. 
I believe that the same problem occurred with XXXX. 
I submitted a complaint to XXXX, and they completed their investigation. However, the Bank of America {$18000.00} debt still showed. 
I called XXXX today, XX/XX/XXXX and I asked them if they could call Bank of America and XXXX and ask them to give XXXX proof of the debt. XXXX told me they couldnt do that. Because of a law that says that you cant ask credits of documentation for the debt. 
So, I am left out in left field and I have nowhere to turn. This is so frustrating. It appears that these debt item will be on my credit forever and I will never be able to get a loan. I really hope the Consumer Financial Protection Bureau can help me in some way. 

Thank you.

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 2022-06-15 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: GA

Complaint narrative:
. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. This is not mine. I am a victim of identity theft. Also Under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2.. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. This is not mine. I am a victim of identity theft. Also Under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX As a consumer by law, this account must be deleted immediately 4. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately

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 2022-06-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please Thank you.

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 2022-06-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please Thank you.

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