vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-23 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: CBC Companies, Inc.
State: TN

Complaint narrative:
I have been disputing my Innovis credit report for over six months both in writing and over the telephone regarding XXXX XXXX. My disputes have been repetitively ignored. According to the FCRA, Innovis is responsible for reporting accurate and complete information on credit reports. Unfortunately they have continue to fail that requirement and have ignored my requests to correct and complete my credit report so it is not in violation of FCRA requirements. First, The account is missing any Payment History, both good and bad. There is actually nothing listed on the report, it is blank. That is an FCRA violation. Second, both the Date of Last Activity and the Date of 1st Delinquency are missing from the report, again both are FCRA violations as these dates are required so as to determine the correct date the account drops off my credit report, and third, this account was settled back in XXXX between the account holder and XXXX. It is no longer a charge off but considered income by the IRS. The XXXX  was filed with the IRS back in XXXX and therefore the Balance on this account is inaccurate. There should be no balance because it is a settled account. Again, this is an FCRA violation. I have included a highlighted copy of my latest Innovis credit report, the XXXX XXXX and for brevity sake, my last dispute letter sent to Innovis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Because I disputed an account with Navy Federal Credit Union, the company has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false " late payments '' to my consumer report and closed my account without my lawful authority or notification. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) C. The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by Navy Federal before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or Navy Federal Credit Union to furnish any " late payments '' to my consumer report. It is my belief that due to Navy Federal Credit Union business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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:
They say I owe XXXX dollars and which I dont Experian keeping it on my credit report and its going down XXXX XXXXXXXX took it off my credit report I have no idea why they keep making my score go down someone opened an account under my name from green dot I closed the account and they marked it as fraud this is hindering me from getting a new car

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 2023-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
A charge for items purchased from XXXX and delivered to a XXXX location not my address for {$2800.00} has been in dispute since the charge was shown on XX/XX/2022. 
I got a letter from Bank of America stating that all was good and that they gave me credit. 
Then months later they put the charge back on my account without explanation. I spoke to numerous people and even got them to send me documents that showed the top of a fake signature where only the very top of 2 letters were showing. The letter stated that the merchandise should be held at the XXXX location. It was also purchased through a gift card which was bought using my credit card. Please see if you can talk sense to the employees in the fraud department at Bank Of America!! Thanks.

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 monetary relief
Consumer complaint received 2023-03-23 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: MD

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 Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : DEPARTMENT OF LABOR XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 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 2023-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
We ( XXXX, XXXXXXXX XXXX XXXXXXXX ) were staying at XXXX XXXX  at XXXX XXXX. I have paid all my dues before my exit, which was on XX/XX/2022. 
I vacated the apartment on XX/XX/2022 and handed over the keys to the main office. 
I do not know why is rent recovery contacting me when I had settled all my dues. I contacted the off staff in XX/XX/2022, when I first hear of this outstanding amount and was informed that this is an error and has been taken care off. the ticket no for that resolution was # XXXX. 

I have again received a note about the outstanding amount to which I reached out again to the apartment management office. I received the ledger but it does not show that I owe any amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have made a transfer that was incorrectly flagged by OFAC and taken out from my account by Bank of America. The only communication I received from the bank is that my money are taken out and phone number to contact OFAC.

I followed OFACs instructions precisely and applied for license to release funds, 8 months later I received a response that no funds are blocked in my name.

I contacted Bank of America for at least 5 times, and spend more than 6 hours on the phone, however the only suggestion they offered is to file a claim that I did, including letter from OFAC stating the fact of no funds blocked, but BOFA returned it as invalid since this was not an ACH transaction, but " bank adjustment '' There is literally no one in customer support, who understands the process of how to release blocked funds that were kept XXXX due to some mistake on the bank side and no one is being held accountable for that.

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 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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 account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened on XX/XX/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 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 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/1978 XXXX XXXX XXXX XXXX, Alabama XXXX Early Warning XXXXXXXX XXXX XXXX XXXX XXXX, Az XXXX ( XXXX ) XXXX Dear Early Warning Services, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on an Early Warnings report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the account listed below. Your failure to positively verify this account has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. Please verify the following account or remove it immediately : * XXXX XXXX XXXX XXXX Account # XXXX Closed for overdraft- XXXX XXXX illegally charge me overdraft fees. 
* XXXX XXXX XXXXXXXX XXXX Account # XXXX * XXXX XXXX Account # XXXX Closed-Purged- illegally charged overdraft fees. 
* Account Closed by XXXXXXXX XXXX  Account # XXXX no knowledge of this account please verify. 




Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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 XXXX, US DEPT. OF EDUCATION/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 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I, XXXX XXXX, went in to the Wells Fargo XXXX, VA branch on XX/XX/XXXX and brought the necessary documents to file a small estate affidavit for my dather- XXXX XXXX XXXX His address was XXXX XXXX XXXX in XXXX, VA XXXX. His was a veteran. I am his only heir. His birthdate was XXXX. I had called WF priorto going in... but was not told i needeed a appt. ( I already, as his sole heir, sent in the death certificate to WF and others ) I ended up being there approximately 5 hours. I filed a fraud for transactions made on his acct after he was dead ..after being asked. I provided my birth certificate, license, death certificate, social ..my dad 's XXXX... everything. I was told a decision would've made in two weeks ..given a claim number and a phone number. I called and was told after about an hour of transfers they couldn't talk to me. Call back tomorrow and get the acct number. I asked why they had not sent a letter, email or called themselves ..and do they need more info. Just call back. So I did. Again ..the run around. I am asked for all the info... acct... birthdate ..my info... etc ... to each transfer. Then put on hold forever by XXXX ..who says they need more info. So I tell them to call me or what is it. They can't talk on phone. I have to make appt with the branch. So I call the same gentleman who filled out the info ..to see about what they need as not to extend it longer. And makes an appt for 5 days out for me to come in. Fir what? I guess to drag things along? This is approx {$6500.00}. I have XXXX XXXXXXXX and am sick. I don't want to go back in for five hours for who knows what???? With my young kids. I can struggle walk ... drive... am in pain and can't take my meds if I go in... yet again. I'm XXXX. My dad would be disgusted. He was found XXXX XX/XX/XXXX. The bank provided me a print out of the transactions after his death.

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 2023-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Repeated phone calls for debt collection when I have no debt whatsoever

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Because I disputed an account with XXXX XXXX XXXX XXXX, the company has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false " late payments '' to my consumer report and closed my account without my lawful authority or notification. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) C. The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX  before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX XXXX to furnish any " late payments '' to my consumer report. It is my belief that due to XXXX XXXX XXXX XXXX business relationship with the consumer reporting agencies, ( such as XXXX, Experian, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

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 2023-03-23 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
American Express closed all my accounts. I called the executive office and was told I was rude to one of their agents. Really? Rude to an agent. I was not, maybe my authorized user XXXX XXXX was rude to an agent when he called but I was not. I tried to apply for a new card with AMEX but was told by their underwriting team I had been placed on their blacklist. This is highly illegal. Ive attached the laws for everyone concerned. I was even told by AMEX executive office that any new applications would automatically decline because I was on this illegal list. The executive office told me they could close an account for any reason even if it broke federal or state because their credit application is above federal and state laws. I spoke with an attorney ( for advice ) that said this was not true. Amex would need to pull a credit bureau and process the credit application like any other bank or face sanctions and lawsuits. I want my Amex XXXX card reopened immediately or if thats not possible I would like to reapply and be taken off this blacklist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: GA

Complaint narrative:
TRANSUNION is reporting an account with XXXX XXXXE on my credit report again and I have never transacted any business with XXXX XXXX This account was previously blocked twice from my credit report by TRANSUNION due to identity theft about the dates of XXXX XXXX XXXX and 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 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
My credit card account was opened in XXXX  and I have never defaulted on payment. Last year I paid no interest because I paid off the balance each month. On XXXX XXXX XXXX  I received a letter that CHASE had closed my account " because of your association with a Chase credit card, deposit or investment account that was previously closed. '' I called the questions line, XXXX but CHASE would not elaborate on the reason for closing this account. My credit rating is over 800 points.

Company response to consumer: Closed with explanation