vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CL Holdings LLC
State: CA

Complaint narrative:
In XX/XX/2022 I was surprised to find out that I was rejected from being able to accept the student loans that I had qualified for in order to send my daughter to college. This was a shock considering I am a single working mother with one job of over 28 years, and no debt at all except for a mortgage. I only have one credit card that I use, and I have no outstanding debt at all except my mortgage. I pay all my credit card statements in full each month, so there is no debt in my name. I asked for a full credit report from XXXX XXXX to find out why I was rejected. I was shocked to find that the report showed a name on my credit report that was not my name ( they have since taken off ). In addition, the report showed a phone number that I don't recognize. I have some credit cards that were issued in my name from XXXX including a debt collection agency ( Jefferson Capital Systems ) that has tried to get {$4200.00} from an unpaid XXXX XXXX account XXXX even though I have never had the credit cards named, nor have I I never had a XXXX XXXX account XXXX I issued an immediate investigation by XXXX XXXX and in XXXX I was told that the report was accurate. I have tried contacting Jefferson Capital Systems and have been unable to even get into their system. I also contacted my family financial advisor and she was unable to give me any names of people or companies that may help. I hope you can help to investigate further how these accounts were issued in my name and remove them from my credit history! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I opened a savings account with Capital One N.A. on XX/XX/2022. My partner currently in XXXX, needed to deposit funds in a United States bank. She tried to become a joint account holder but couldn't succeed. I gave her my account information so she could make deposits to settle debts so she could return to the United States. She requested a friend 's assistance. He deposited {$5000.00} into my account on XXXX XXXX XXXX. Capital One held the internet deposit from XXXX bank to assure clearance. I contacted Capital One twice during the weeks of XXXX XXXX and XXXX, XXXX, XXXX to make sure the deposits cleared. I was informed it did. I transferred the {$5000.00} to my other bank, XXXX, in order that I could access the funds through my checking account. Capital One had denied me application for a checking account earlier. The money transferred and cleared XXXX. I went to XXXX on Monday, XXXX XXXX XXXX to wire transfer {$5000.00} to XXXX XXXX in XXXX, XXXX. It advised the money was a scam. I checked Capital One and there was another deposit for {$4700.00} made on XXXX XXXX. I requested a transfer to XXXX account. On XXXX XXXX, I sent XXXX XXXX of {$2000.00} to XXXX XXXX. On XXXX XXXX XXXX, I received a call from Capital One stating the activity was suspicious, accused me of possible fraud, and closed my savings account. The deposit of {$4700.00} was cancelled by Capital One and the situation is under investigation. I can not contact Capital One. It refers me to an automated recording saying my account is under investigation and to leave a message. It will contact me in 48 business hours. I was unaware of a third-party depositing for my partner. However, he is a real person and claims he made the deposits without illicit intent. Because of the rapid turnaround, the fraud detectors at Capital One probably went bonkers. My complaint, other than being told that I could go to jail, is that because I only had the savings account open for two days and deposits were made by another via the internet, I am a suspect of a scam or fraud. I also believe that due to my financial status being on a fixed income, that any amount exceeding what Capital One determines is my financial status, it calls suspicious activity. If I had a higher income, these deposits would seem small to Capital One and possibly be ignored. I have had similar problems with my other bank. Any deposit made over {$2000.00} is deemed suspicious. I have made inquiry as what triggers suspected fraud or a scam and was told it depends. No specifics were shared. The banks act like it's their money and customers need to get their permission to withdraw or deposit money. They are protecting themselves, not their customers due to overreach in security policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I am trying to use my American Express card with my budgeting apps. American Express does not allow me to connect my account to my budgeting app. I have spoke with American Express and both of my budgeting apps and have been told that American Express does not support linked accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: OH

Complaint narrative:
I have submitted multiple disputes for accounts reporting on my EQUIFAX credit report that do not belong to me. I have submitted multiple fraudulent disputes where EQUIFAX states they have " verified '' the account as mine, but when I ask for them to provide me proof of how it was verified they do not comply, but continue to leave the accounts reporting on my credit report. It is a violation of my consumer rights to furnish deceptive forms including unlawfully reporting inaccurate information to a consumers credit report. It is also a violation of my consumer rights to not properly furnish the form of verification that was used to " verify '' the inaccurate fraudulent accounts reporting on my credit report. It is also a violation to remove accounts and then put them back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Company has misused my trust & attempted as a pre-requisite in response to a previous complaint to issue a XXXX Bank of America XXXX XXXX & XXXX attacked me to get me to have a " mortgage loan preapproval '' while refusing to show fees from account XXXX & previous savings account ending ( unknown ) I do not want a home mortgage loan & I don't want any loan from this bank, given the predatory nature I'm sick of the way it is doing business in an effort to XXXX consumers even more. 

This happened yesterday & the Bank of America failed to close account ending XXXX on XX/XX/XXXX in an effort to extort fees from oconsumer

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 2022-11-26 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-26 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Experian is still after several complaints reporting an old address of : XXXX XXXX XXXX XXXX, XXXX  XXXX. Account name : XXXX XXXX XXXX ( Please See Attached Complaints ) Current Address. XXXX XXXX XXXX XXXX, XXXX  XXXX I request you to provide accurate Address information. I am entitled to accurate reporting information. Fair and Accurate Credit Transactions Act of 2003 ( amending the Fair Credit Reporting Act, " FACTA '' ), 15 U.S.C. 1681n ( a ). For willful failures to comply with the Act 's disclosure requirements, plaintiffs may seek statutory damages between {$100.00} and {$1000.00}. 
Reporting incorrect/inaccurate information-Inaccurate Address Information

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 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In XXXXXXXX XXXX XXXX, I applied for a new credit card. I didn't really need more credit but I wanted to take advantage of the loyalty points. My credit score was above XXXX. I was approved and a credit card was issued to me pretty quickly. Shortly after I applied, my credit score with Equifax suddenly went way down. When I inquired with them, they said it was due to " hard inquiries '' that would stay on my record for 2 years. XXXX already finished the credit inquiry on me back in XXXX and that's why they issued me a credit card. The inquiries are over and done with. But Equifax still will not remove them from my record. They blame XXXX. However, I don't believe them because this has not affected my credit score with XXXX. With XXXX my credit score is XXXX. With Equifax my credit score is XXXX and Equifax said that it will take 2 years for the " hard inquiries '' to be removed from my file. I find that very unacceptable. I used the Equifax online portal and I also spoke to someone over the phone who basically told me that there is nothing they will do to remove the hard inquiries. How is that legal? I have zero late payments and they are tarnishing my good credit record. ( I did not check XXXX because I had problems using their website. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: CITIZENS FINANCIAL GROUP, INC.
State: HI

Complaint narrative:
Hard inquire performed without my consent. 
Actions taken : Contacted credit XXXX would not remove inquire Filed dispute Froze credit account Reported fraud to credit agency Provided statement to credit agency Contacted company performed hard inquire citizen bank Reported to their research department File complaint No resolution hard inquire still listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: LEXISNEXIS
State: MS

Complaint narrative:
The Consumer Reporting Agencies AND Lexis Nexis have defamed my character and have infringed upon my consumer right to privacy. I have NEVER NOT ONCE given any verbal nor written consent to share my PERSONAL INFORMATION, including BANKRUPTCY to any 3rd parties. I called the bankruptcy court and they have plainly sent a letter back to me stating " They DO NOT REPORT, VERIFY, OR FURNISH INFORMATION TO CREDIT BUREAUS OR ANY PARTY. ". Now the question would be how did they get my information IF I didn't give them written consent AND the bankruptcy court do not report, verify or furnish information to any party. This have caused stress and harm to my name and have cause many denials in trying to support myself and my family. According to law this is illegal. They are going out fishing for consumers PRIVATE information and hardship, then selling it to make a profit to anyone they chose. I have sent in letters and have called them and it is still not removed. 

I sent letters certified to XXXX, XXXX and XXXX XX/XX/2022 asking them to delete this and show me proof that they have the permission to furnish this information. They replied back to me and sent me reports that said VERIFIED AS ACCURATE. NO PROOF was sent to me. I resent a Certified letter XX/XX/2022 XXXX XXXX, XXXX and XXXX. I called Lexis Nexis XX/XX/2022 and spoke with XXXX and XXXX. I asked who gave them permission to share my information? They couldn't answer. I kept asking and the she said they don't need permission to share my information to 3rd party people. She said if someone ask then they can give out my information. I have proof stating this information. 


XXXX, XXXX, and XXXX have been reporting inaccurate information. I have went through all three reports and sent in certified letters challenging it and they came back as verified accurate but that's not possible and they have different information on each report so its all a lie. I NEED THEM TO DELETE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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:
XX/XX/22 I alerted each of the bureaus that I am a victim of identity theft and that 15 US Code 1681 c 2 says that they have to remove and block the items within 4 business days. The items remain on my report. XXXX XXXXXXXX XXXX accountsXXXX XXXX and 2 XXXX accounts are listed on my identity theft report. XXXXXXXX XXXX and XXXX have charged off both of the fraud accounts and sold them to collection companies. Despite doing this, they remain on my report. They are violating 15 USC 1681 e b by not reporting accurate information. Each of the accounts listed on my identity theft report are also violating 15 USC section 604 a section 2. Nobody can furnish an account on my credit file without my written permission : I have not given anyone written permission. XXXX XXXX and XXXX are committing tax fraud by reporting these accounts. According to the IRS, these accounts are considered income.

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 2022-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: WI

Complaint narrative:
I was using chime more than one year. I have all my paychecks that i deposited into chime account. I talked to their customer service and they did not give any information why they suspended my account. My checking account balance was {$68000.00}. I sent all my documents to their emails and no body was responding to me. They kept my money by force. Because they dont want answer why they suspended my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Equifax is after several complaints and being provide the same documentation is requesting in writing proof of current legal address and legal name. This is my final attempt at correcting obvious errors on my Equifax Credit Report. Please See Attached Prior Complaints. 

The is no " Formally Known As '' or Name Change.This the incorrect spelling of my legal name and needs to be remove immediately..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: IN

Complaint narrative:
In accordancewith 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. 

XXXX XXXX XXXX XXXX XXXX... 
XXXX  XXXX... 
XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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.

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 2022-11-26 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: IN

Complaint narrative:
In accordancewith 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. 

XXXX XXXX XXXX XXXX XXXX... 
XXXX  XXXX... 
XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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.

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 2022-11-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Automated Accounts, Inc.
State: WA

Complaint narrative:
I was served a summons today to be sued from Automated Accounts, XXXX XXXX XXXX. I had a credit repair company I had been working with to help repair my debts owed and this company would not participate. I tried and I am now being sued with my XXXX in XXXX   and not being able to work, my health is poor and I am now becoming more stressed as I had tried to eliminate a debt the best I could. I live on XXXX  social security and XXXX I have a hardship case at this point in my life and the amount is {$8200.00} and {$210.00} interest. I need help to resolve this, I turned the car back to XXXX XXXX XXXX XXXX in XXXX. I couldn't work anymore and had to give the car back due to my health issue that have exacerbated through all this harassment, especially after not working with the credit repair people, XXXX XXXX XXXX who was working with my accounts owed and now suing me for attorney fees etc. please help me. This is the district court in XXXX  wa, sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I attempted to lift a security freeze on my file with Experian in connection with an application for an auto loan. The freeze telephone number did not work for me ( the IVR responded as if there was no freeze, but the auto lender said it was frozen, and I previously had placed a freeze ). I also was unable to establish an online account with Experian to lift the freeze ( the site kept responding that it couldn't open an account for me ). 

I tried calling various numbers but only got IVRs that didn't address my problem and I was unable to reach any human being. I also e-mailed senior representatives of Experian but received no reply ( see attachment ).

I ended up having to write to Experian to lift the freeze. I received a letter confirming the freeze was lifted almost two weeks later. In the meantime, my auto loan application was declined, and I received a notice of adverse action for an " incomplete application. '' And I still can't open an online account with Experian including to later reinstate a freeze to this day.

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