vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-13 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: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  XXXX, XXXX and transunion has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 604 a section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

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 2023-05-13 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: AZ

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Collection Bureau of America Ltd.
State: AZ

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase bank froze my checking account and closed all of my credit cards without justification. They are stating that it has to do with inappropriate contact. If they are referring to the fact that I complained about not being able to book travel on the app and the terrible service I received, that is not a good reason to do this to me. In any event, Chase did all of this without telling me first. As a result, I have no money and I have had payments reversed. There is a ton of money in my account, so nothing should be reversed. My rent payment was reversed. My XXXX credit card payments were reversed. As a result, XXXX has frozen my cards until I can make the payments. Well, I cant pay anything because Chase is holding my funds hostage and they have no right to do that. What they have done is criminal. I am trying to buy a home and this will ruin my credit, especially if my Chase cards are closed and payments are late on my XXXX accounts. I need my money out of that checking account now and I am tired of their executive office call center reps wasting my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am a new customer of Bank of America. 
It's been about XXXX. 
I deposited my payroll check through ATM on XX/XX/XXXX. 
The payroll check is a Bank of America account too. 
The next day which is XX/XX/XXXX, my check is been on hold so, I went to the Bank of America branch and ask them to release my fund. 
But they said they can't release because my account is a new account. 
So, I complained about that because my company check was cleared that day. 
The check was on us check, that's why I thought they could credit the fund to my account immediately. 
But they said they can't because of the bank policy. 
The check will be available on XX/XX/XXXX. They gon na hold my check with 10 business day!! 
I can't pay my rent and utility too. 
How come they hold 10 business day the on us check even they took the money from my company account. 
I'm very upset and so sad. 
I think it's not fair!

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 2023-05-13 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating The Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) The credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) The credit bureaus don't have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681 s-2 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.
( B ) Reporting Information after notice & confirmation of errors.

A person shall not furnish information relating to a consumer to any consumer reporting agency if notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
The credit bureaus have no respect for the laws & someone need to hold them accountable for this.

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 2023-05-13 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: TN

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 an 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 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 2023-05-13 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: GA

Complaint narrative:
The XXXX XXXX XXXX XXXX collection account was opened fraudulently back in XXXX. I have disputed this item as a result of identity theft numerous times, but XXXX continues to report this fraudulent account on my credit report. I mailed and faxed the company documents last year including an FTC report, identity theft affidavit, and a police report supporting identity theft. After spending countless dollars mailing and faxing this information to XXXX upon their request, they still are refusing to stop reporting this fraudulent account to my credit report. 

On XX/XX/XXXX, I reached out to the original creditor, " XXXX XXXX XXXX '' and obtained copies of legal documents including the original contract and the GAP Addendum to Installment Sales Contract. It appears that the GAP Addendum to Installment Sales Contract does not bear my signature nor the signature of the creditor or dealership representative on behalf of the creditor. It also appears that there is a discrepancy between th

e GAP insurance coverages. Attached to this complaint is two docu
ments : the GAP Addendum to Installment Sales Contract in which does not bear my signature, as well as the Calculation of Surplus or Deficiency document that reflects a discrepancy between the GAP insurance coverage amounts listed on both the GAP Addendum to Installment Sales Contract and the Calculation of Surplus or Deficiency document. This GAP contract shows that the price of the GAP coverage totaled {$790.00}, whereas the Calculation of Surplus or Deficiency document shows that the GAP insurance rebate totaled {$800.00}. This information can be found in the highlighted portions of the attached documents. Regardless, the original creditor does not have my signature on the GAP contract, which proves this transaction was not authorized by me. This information provided clearly shows inaccurate information reported on my credit file and should therefore, be permanently deleted from my credit file. 

According to the Fair Credit Reporting Act, it states, " 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. 

As a result, promptly remove this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Navy Federal Credit Union has failed to protect me against fraudulent activity.I lost my debit card and there were several irregular charges made on my debit card and when brought to NFCU attention they declined to protect me against fraud. I was told by a representative in order to prove the spending wasn't done by me I'd have to " prove her wrong '' she told me to go and contact each bank and get video footage and receipts ( transactions were out of my occurrent state ) and submit them to navy federal credit union to get my funds back. When asked what investigation was conducted to make their decision she told me she did not have to provide me with that information. 
Navy Federals and their customer service agent conduct and behavior is unacceptable. I have never been treated with such little respect in my life. Their blatant disregard for clients livelihood and financial assets is disgusting!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I received a phone call from my HR department informing me that a wage garnishment was sent to them regarding a debt collection settlement. When I called the county clerk I asked about this case number. That is when I was informed that a court date was set for garnishment. I explained that I was never notified about a court date. The county clerk told me that I was served. I told them I was never served. The clerk told me the name of the person who was served. The person that was served was a XXXX XXXX XXXX kid, who is a minor, on XX/XX/XXXX and that a judgement in favor of the collection company was issued on XX/XX/XXXX. I never saw the paperwork. I never received mail. The address on the paperwork is not correct either. The court date set for garnishment is XX/XX/XXXX XXXX  and XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating The Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) The credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) The credit bureaus don't have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681 s-2 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. 
( B ) Reporting Information after notice & confirmation of errors. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
The credit bureaus have no respect for the laws & someone need to hold them accountable for this.

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 2023-05-13 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( XXXX XXXX  XXXX  ) has violated several of my rights. 

15 U.S.C 1681 Section 602A Clearly states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 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. 
Remove these late payments and update this account immediately as you are in direct violation of several Laws under The Fair Credit Reporting Act.

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 2023-05-13 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: CT

Complaint narrative:
From XXXX I was in an abusive relationship I got scammed and I had multiple data preaches where my information was exposed my information was used to look for and obtain loans for cars by scammers who said they were going to help me start a car rental business they kept the cars and got insurance in my name and nothing was paid for my abuser had me open credit cards and different accounts that he said he would pay for and put fake checks in my bank accounts and took the money he stole and control my money and I was unable to pay any of my bills resulting in homeless debt and financial ruin I had to go into a domestic violence shelter in order to get help and get away from my abuser. Also my personal information was exposed in multiple data preaches. The car loans were XXXX XXXX dealer services XX/XX/XXXX in the amount of {$37000.00} XXXX  XXXX XXXX XX/XX/XXXX in the amount of {$37000.00} XXXX XXXX XXXX XX/XX/XXXX in the amount of {$30000.00} XXXX XXXX XX/XX/XXXX in the amount of {$29000.00} XXXX XXXX XXXX XX/XX/XXXX in the amount of XXXX XXXX XXXX XX/XX/XXXX {$21000.00} XXXX XXXX XX/XX/XXXX {$1200.00} capital XXXX XX/XX/XXXX {$4000.00} XXXX  XXXX XX/XX/XXXX {$1000.00} collection for XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$630.00} XXXX XXXX XXXX XX/XX/XXXX {$770.00} and inquiries to my credit XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXXXXXX XXXX XXXXE Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX I have been working with a victims advocate XXXX XXXX manager XXXX I filed a police report about the abuse at XXXX police department and XXXX was in XXXX domestic XXXX shelter and I am starting disputes with the creditors

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 2023-05-13 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: CT

Complaint narrative:
From XXXX I was in an XXXX  relationship I got scammed and I had multiple data preaches where my information was exposed my information was used to look for and obtain loans for cars by scammers who said they were going to help me start a car rental business they kept the cars and got insurance in my name and nothing was paid for my abuser had me open credit cards and different accounts that he said he would pay for and put fake checks in my bank accounts and took the money he stole and control my money and I was unable to pay any of my bills resulting in homeless debt and financial ruin I had to go into a XXXX XXXXXXXX shelter in order to get help and get away from my abuser. Also my personal information was exposed in multiple data preaches. The car loans were XXXX XXXX XXXX XXXX XXXX in the amount of {$37000.00} XXXX XXXX XXXX XXXX  in the amount of {$37000.00} XXXX XXXX XXXX XX/XX/XXXX in the amount of {$30000.00} XXXX XXXX XX/XX/XXXX in the amount of {$29000.00} XXXX XXXX XXXX XX/XX/XXXX in the amount of XXXX XXXX XXXX XX/XX/XXXX {$21000.00} XXXX XXXX XX/XX/XXXX {$1200.00} XXXX  XXXX XX/XX/XXXX {$4000.00} XXXX XXXX  XX/XX/XXXX {$1000.00} collection for XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$630.00} XXXX XXXX XXXX XX/XX/XXXX {$770.00} and inquiries to my credit XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX I have been working with a victims advocate XXXX XXXX XXXX XXXX I filed a police report about the abuse at XXXX police department and I was in XXXXXXXX XXXX XXXXXXXX XXXX  and I am starting disputes with the creditors

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 2023-05-13 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: NJ

Complaint narrative:
I received a credit monitoring alert and noticed that there was a new inquiry that I did not authorize. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have since placed a fraud alert on my Transunion account to ensure that I recieve a phone call to authorize access to my credit report. The erroneous inquiry is : 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 explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
Receiving repeated calls from radius global solutions about an XXXX XXXX XXXX debt that I do not owe. I advised them not to call me anymore and they continue to call. I advised them they have to stop calling and was told thats not how it works. 
They call from different numbers daily

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 2023-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a student account with Wells Fargo in XXXX. I was charge extra overdraft fees which was eventually sent to collections

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