vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-07 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-07-07 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:
I am writing Complaint due to the fact Equifax, XXXX and XXXX fail to keep proper and accurate records of my Credit reports. I have been the victim in the past of identity theft, and reported such report to the XXXX major Credit bureaus and the secondary ones like XXXX, XXXX and XXXX. To date despite me writing and requesting a RE-investigation to XXXX ; XXXX continues to send me post cards of " unacceptable proof of Address '' and various requests what appears to be delay tactics which in turn is hurting my credit scores and ability to make purchases in my correct credit rating. DUE TO THE FACT Equifax and XXXX fail to keep 100 % ACCURATE information and proof of verifiable and true reporting. To date XXXX still reports false allegations that the XXXX Courts is a furnisher on my credit report, which is 100 % INACCURATE AND FALSE according to the Court. And UNDER the Fair Credit Reporting Act ( FCRA ) EQUIFAX, XXXX and XXXX credit reporting bureaus is VIOLATING my federally and state protected consumer rights to privacy and confidentiality under 16 USC 1681 and 15 USC 6802 ; The law clearly states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MI

Complaint narrative:
FedLoan Servicing made an error in processing my application for Public Service Loan Forgiveness. I have more than the total 120 qualifying payments made while working for a qualifying employer. I submitted a form in XX/XX/XXXX verifying my employment, with the same employer since XXXX until present. The form was processed, but the processor marked all payments made during the XXXX  year ( XXXX payments ) as still needing employment verification, even though the prior and more recent payments were all accepted as qualifying and verified. I called FedLoan Services to try to resolve the issue, and sat on hold for nearly two hours just waiting to talk to a representative. Then, the representative said she didn't want to spend half an hour going through all of my paperwork and she would submit the issue for review. They could not provide information on when I would receive a response or the time frame for review and were not willing to correct the issue at the moment. I asked to speak with a supervisor and was told I'd have to wait at least another XXXX hour or XXXX minutes and they wouldn't do anything to help me anyway. I am very frustrated, as it took XXXX  months ( XXXX - XX/XX/XXXX ) to review my application for PSLF and provide a response in the first place, and now I have to go back to sitting in line for an undetermined length of time in order for them to resolve an error on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
So my husband gets a text claiming to be XXXX security and that {$850.00} would be charged. SO I called the # attached to the text and the guy on the other end gave me a badge # and his name saying my account was compromised and we had to do dummy transactions to block the scammer. So he had me download an app called " any desk '' so he could see my accounts remotely. He was a good talker. So the first XXXX transactions failed through XXXX, so I figured ok maybe he was helping me. So there were XXXX different zelle recipients and then XXXX different amounts transferred those didn't fail. I then became extremely upset at the guy. XXXX amount came from my personal account {$1900.00} transferred to my cash app account which then was transferred to some woman 's name, the other transactions came from my business account. Totaling $ XXXXBank Of America will not reimburse me. I have filed XXXX claims with them, police report, XXXX XXXX complaint. The resolution I'd like to happen would be to get my $ back. We have a small business and that was alot to have taken, especially these days. I am planning to call the news channels also. I've been w Bank of America for XXXX.there 's no reason to withhold someones money. 
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 2022-07-07 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: NY

Complaint narrative:
I had once reported this issue involving Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted to all credit bureaus. Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) .These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). 


Credit bureaus ' response but never about what they should follow per the FCRA : XXXX. You may contact the company that reports the information to us and dispute it directly with them. If you would like written proof about your accounts l ( such as the original agreement ), please contact your creditors directly. 
XXXX. You may contact the Consumer Financial Protection Bureau or your State Attorney General 's office about your issue or complaint against Equifax or l the company reporting the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: EAST WEST BANK
State: TX

Complaint narrative:
I opened an account with East West Bank and I had already made my minimum deposit of {$100.00} and it posted in my account already but I still unable to enroll to XXXX on the online banking or computer and I've been try to enroll to XXXX but it keep popping an error say " XXXX is currently unavailable '' and I had contact Customer Service so many time but no one has help me to resolve this problem yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax, XXXX and XXXX, have all failed to update and or accurately report my personal consumer credit information has reported to them by the following credit card issuers ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX By law the aforementioned financial institutions must update regularly every month and have all done so has the process is automated. Unfortunately, the XXXX credit bureaus Equifax, XXXX and XXXX, have all failed to honor their legal obligation to update my consumer credit report which has adversely impacted my credit score and ability to access credit in violation of the Fair Credit Reporting Act!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : 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 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 2022-07-07 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX )XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : 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 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 2022-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
Its second time that it happened that Bank of Texas blocked me from using XXXX AND I had used my account regularly and normally and I did not used my XXXX profile fraudulently and I did not used my XXXX lately or receive any money transaction fraudulently at all and the money I sent are thru friend or family. And found out someone ( Roommate ) stolen my identity and open an bank account and mobile line under my name and registered on XXXX XXXX and received money and now XXXX blocked me on my bank on every XXXX  on my bank saying i violated the user agreement and I had already file a police report about the identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer and Im making this follow up complaint against IDEAL COLLECTION SERVI for committing identity theft. On XX/XX/27 I sent IDEAL COLLECTION SERVI a cease and desist through the cfpb portal. IDEAL COLLECTION SERVI Should not be communicating with me. 

The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium pursuant to federal law 15 usc 1692a 2. 

My credit report is also a medium. 

Im aware I stated in my cease and desist that you have XXXX business days to remove this from credit report. 

I suggest If you dont want me to pursuit litigation for monetary damages you will cease all communication immediately. 

Shall you choose not to my legal counsel with be submitting summoning you to small claims court to defend yourself!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: RI

Complaint narrative:
I opened an account on XX/XX/2022 with Union Bank the product was the XXXX XXXX and it have a XXXX days promotional balance transfer with XXXX fees, today XX/XX/2022 I call them to make a balance transfer and they told me I will be charge interest because today is my XXXX day. 

I want to add that since I made a dispute regarding a payment I made for the amount of XXXX on XXXX XXXX ( that haven't been posted to my account as XXXX XXXX ) they have miss lead me with the information about my account.

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 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX : {$520.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance : {$3000.00}

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 2022-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
On XX/XX/2022, one of my checking accounts was hacked and a wire transfer was conducted fraudulently in the amount of {$7200.00}. I immediately ( within a couple of minutes ) reported this to USAA. I was assured that my money would be returned to my account within 7 full days ( or 3-5 business days ). Well, it's been XXXX  days and funds have not been deposited back into my account. I have called and spoken to numerous representatives and nobody is able to give me any answers as to why this has not been re-deposited yet. I need that money back in my account ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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 XXXXXXXX XXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXXXXXX - ACCT # 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. 

I have no knowledge of these inquires/Collections of my credit report. Please DELETE ASAP!!! 

***HARD INQUIRIES*** 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 {$740.00} XXXX XXXX XXXX {$2600.00} XXXX. XXXX XXXX XXXX {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXXXXXX XXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXXXXXX - ACCT # 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. 

I have no knowledge of these inquires/Collections of my credit report. Please DELETE ASAP!!! 

***HARD INQUIRIES*** 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 XXXXXXXX XXXX XXXX {$740.00} XXXXXXXX XXXX XXXX {$2600.00} XXXX. XXXX XXXX XXXX {$260.00}

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 2022-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I found a listing on XXXX for a place to rent. I got in contact with the lister and began negotiating a lease, which I signed and sent back to the lister. The next day, I made a transfer on XXXX to XXXX for {$1000.00} as a security deposit. Immediately after, he tried to get me to send more money, and refused to send me the key. I then realized that I had fallen for a fraud. I immediately called Chase Bank to get them to freeze or refund the payment, to which they told me that it would be impossible to reverse even though it showed as pending transfer in my account and that it would take XXXX weeks to audit the account and ask the partner bank for the money back. XXXX weeks later, and they were unable to retrieve my money from the partner bank, unable to share the fraud accounts information due to what they say are privacy concerns, and when I reached out to XXXX directly, they didnt even take my call. The XXXX transaction number is XXXX. Obviously the owner of the account can be traced knowing these details. I would like Chase Bank to refund the money which was due to a fraud and scam and the person, whose identity can be determined from these details, be held responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
I had a checking account with XXXX that was transferred to Citizens bank. I wanted to close this account out and was told to bring the balance to XXXX  which I did. Citizens bank closed the account but they also charge a monthly Maintenace fee for low balance. I didn't realize they charge this fee until it showed up on my credit report as a {$5.00} past due amount. This is extremely frustrating as it's impacting my credit score significantly. I would like Citizens to reverse the {$5.00} XXXX  and remove the negative credit reporting as I was following their instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The list of information and inquiry was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiry listed below : Employers : XXXX XXXX XXXX XXXX LA XXXX INQUIRY : XXXX XXXX XX/XX/2020

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