vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF THE WEST
State: CA

Complaint narrative:
My name is XXXX XXXX and my social security is XXXX. My account number is XXXX. I hope that someone at Bank of the West can please help me close my account properly and send me a cashier 's check for XXXX as soon as possible. This money was a lifeline to help my business and I out during this difficult time and to be completely honest I really could use the help. The thing is I understand that my account was a personal account but I have a business account at XXXX Bank and I was in the process of transferring the funds from my bank of the west account to XXXX account number XXXX and routing number is XXXX. When I applied for the loan I didn't have my business account finalized so I had to make the choice of using my personal bank of the west account or not have my paperwork in on time and miss the opportunity of getting the loan. I was hoping you would be able to transfer the funds to my business account since you are closing my bank of the west accounts. If you can not do that then If you can please let me know when the cashiers check will be mailed to me as I am really trying to make sure this happens as soon as possible. I really appreciate your help in advance. I hope this complaint gets to the right department as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
1.In accordance with the Fair Credit Reporting Act Convergent Account # XXXX ( XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 2. In accordance with the Fair Credit Reporting Act Convergent Account name, XXXX XXXX XXXX XXXX XXXX XX/XX/2020 Business Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, XXXX ( has violated my rights. 15 U.S.C 1681 section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions. ( My Accurate Name Is XXXX XXXX XXXX ) There using an Inaccurate Name/Similar to mines please delete and update

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over a year, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.

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 2022-03-02 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over a year, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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 reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX Inquiries : XXXX XXXX  XXXX/XXXX/2020 XXXX XXXXXXXX XXXX XXXX/XXXX/2020 XXXX XXXX XXXX/XXXX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: CA

Complaint narrative:
1.In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 2. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XX/XX/2020 Business Type : Automobile Dealers, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX ( has violated my rights. 15 U.S.C 1681 section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions. ( My Accurate Name Is XXXX XXXX XXXX ) There using an Inaccurate Name/Similar to mines please delete and update

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 2022-03-02 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions In accordance with the Fair Credit Reporting act 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 a account without my written instructions In accordance with the Fair Credit Reporting act 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 a account without my written instructions In accordance with the Fair Credit Reporting act 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 a account without my written instructions In accordance with the Fair Credit Reporting act 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 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 2022-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
in XXXX I came to look at solutions for going back for my XXXX XXXX since I used chase for student loans in the past. They no longer had that service, so she directed me to credit cards. I had no job, but was getting rental assistance from my parents ( less than XXXX ). The employee was fixated on getting me approved, in spite of this lack of income. She stated this can be considered income, even though I had only a couple of months of the assistance left. I refused to put this on the application. Chase was using a pin pad to complete the app, which shut down in the middle of my application, and the employee stepped in to sort out the issue with it. I could see she had moved past a few screens and assured me these were simply prompts to get back on track. When Covid hit, I had trouble making payments, and when consulting with bankruptcy, they wanted to see my application since this did not make sense to them that I had been approved in the first place with such low income under the XXXX Ability to Pay rue that had been enacted before my card application. Chase would not give me an application copy. I called and called until they let it slip I was given conditional approval based on less than XXXX yr. The issue there is I did not input any income. Many attempts to resolve this are met with chase counting this as a duplicate complaint, in spite of new information emerging. They said they could not verify anything with the employee. Now, in XXXX, chase was being investigated for many kinds of fraud in mortgages, inflating income, credit cards etc. and I know they were up to the same at this branch. It was one of the busiest branches we had in the area. Today I have learned the branch that gave me the card was closed years ago, and in spite of me being a customer, I was given no notice! 

Chase Bank at XXXX XXXX XXXX XXXX, XXXX, OH XXXX was closed without first informing us. Banks are legally required to inform customers of a branch closing according to the Federal Deposit Insurance Corporation Improvement Act of XXXX. 

This is just another example of the lengths this bank will go through to cover up their issues. Even when during covid, we have plenty of documentation that their bankers were committing fraud to enrich themselves. My bank teller had incentive to gain an approval, because she said it she gets paid out on approved apps. 

I know they will mark this as a duplicate. I spoke to others who believe this bank needs closer inspection as they no doubt committed fraud in other areas within this branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: AZ

Complaint narrative:
I UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: GA

Complaint narrative:
I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Inquiries : XXXX XXXX XXXX/XXXX/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
Consumer complaint received 2022-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: FL

Complaint narrative:
Carvana is advertising Car insurance to me the CONSUMER which is a violation of federal law 15 USC 1605 ( c ) Property damage and liability insurance premiums included in finance charge. ( C ) Charges or premiums for insurance, written in connection with any consumer credit transaction, shall be included in the finance charge. & asking me to provide insurance separate. Carvana is also asking for a downpayment federal law said in 12 CFR 226.4 & 15 USC 1605 ( a ) It does not include any charge of a type payable in a comparable cash transaction. ALSO 15 U.S. Code 1662 - Advertising of downpayments and installments. No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit. & 15 USC 1605 ( 1 ) ( 2 ) ( 3 ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: PA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$0.00}

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 explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My joint ( my spouse and I ) personal account at CITI was compromised on XX/XX/2022 around XXXX XXXX. A fraudulent domestic wire for {$27000.00} was made using our checking and savings account. My phone was also hijacked through a sim swap at the same time. Therefore I wasnt made aware of this transfer until I was able to fix my phone. At about XXXX, the same day, XX/XX/2022, we informed the CITI fraud department and I was told that everything has been blocked. We also called the wire transfer department at XXXX on XX/XX/XXXX and were told that the wire transfer was cancelled. 

We are now been informed that wire was actually released within one hour of request and we dont have those funds anymore. We have filed a case with our branch by filling an Affidavit of Unauthorized Online Wire Transfer. Attached below Please take immediate action as we are a middle class family and this is our primary bank account. This has huge repercussions for us and has impacted us deeply and affects our ability to pay for our basic necessities like food, health insurance, childcare etc. It is a loss that we can not accommodate and it is due to no fault of ours. 
We are long standing customers of Citibank and rely trustingly on our banking institutions for the security of our funds.

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 2022-03-02 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: TN

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-02 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: TN

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Comenity Bank has closed my Victorias Secret credit card account without my consent. The due date for the attached bill statement has not arrived yet and this is my very first statement. Pursuant to 15 USC 1602, this account is an open-end credit plan. Also pursuant to 15 USC 1602, the closure of my account is unauthorized use of my credit card as I did not consent to nor request closure of the credit card account. I simply requested from a consumer reporting agency that the account not be communicated on my consumer report as this is my legal right. 

Upon contacting the customer care number on the back of my credit card on XX/XX/2022, I was told that my account was closed because I initiated a dispute with a consumer reporting agency. This response does not constitute a valid reason for closure of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
unauthorizes inquiries on my XXXX XXXX report SYNCHRONY FINANCIAL XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX/XXXX  XXXX XXXX - XX/XX/2021 SYNCHRONY FINANCIAL XX/XX/2021 Location XXXX XXXX XXXX  XXXX, OH XXXX XXXX ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XX/XX/2021 Location XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX Inquiry Type Individual XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 Location XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX, MO XXXX XXXX ( XXXX ) XXXX Inquiry Type Individual

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