vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-25 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: PA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXXt Account # XXXX Account # 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 1681Section 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 2022-05-25 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: PA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXXt Account # XXXX Account # 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 1681Section 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 explanation
Consumer complaint received 2022-05-25 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: TX

Complaint narrative:
FCRA violations : inquires not mine US SM BUS ADMIN ODA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2400.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Open. 

FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$670.00} XXXX XXXX account. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: RI

Complaint narrative:
On XX/XX/2022 I applied and was immediately approved for a Union Bank Visa credit card. They had a promotion offering {$0.00} fee balance transfers for the first 60 days. As soon as it was approved, I was asked if I'd like to request a balance transfer. I said yes and entered in the account number and balance amount for my XXXX XXXX. I was not asked for an address. I never received an email confirmation for the new card account or for the balance transfer. I was given no verification or documentation. My XXXX XXXX payment was due on XX/XX/XXXX. The balance transfer did not show up on my account, so I made the minimum payment believing the funds would soon be transfered. I received no communication from Union Bank until receiving the card on XX/XX/XXXX. The transfer amount was shown as a balance on the Union Bank Card, but was not applied to the XXXX XXXX. Then, on XX/XX/XXXX ( 13 says after requesting the balance transfer ), I received a letter saying Union Bank mailed a check to " XXXX XXXX '' ( name misspelled ) on XX/XX/XXXX. None of the card disclosures said balance transfers were done by physical check. I don't know of any large financial institutions that does not use electronic funds transfers. On XX/XX/XXXX, a full two weeks after being approved for the card and requesting the transfer, I received a check made out to " XXXX XXXX '' and addressed to my home address. Union Bank sent my balance transfer to my home, addressed to the wrong company. When I called customer service about this error, they tried to tell me it was my fault for putting in the wrong address. I was never asked for one and they could not demonstrate where or how I had submitted both the wrong name and address. They offered no possible solutions and I ended up closing the account in frustration. Now I'm going to be charged interest on the balance I could have paid completely on the due date and I have a card opened and closed two weeks later on my credit report. I now don't have the funds for a home improvement project I have planned ( the whole reason I applied for the 0 % interest card ) and wasted a significant amount of time with both XXXX XXXX customer service ( trying to find those supposedly transfered funds ) and Union Bank 's grossly incompetent and unhelpful customer support.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I applied for XXXX  through an office in XXXX New York. That office called XXXX XXXX. I told that office that I need to switch the service provider for my house from XXXX XXXX XXXX XXXXXXXX XXXX. XXXX agency gave me their email address which is : XXXX. Correspondence attached. I also sent XXXX a fax that National grid was able to take over the service. XXXX sent social services XXXX the application and XXXX granted me an amount of {$720.00}. XXXX sent the grant to XXXX XXXX instead of XXXX XXXX. I also called XXXX that advised to call XXXX XXXX to send the check back to XXXX. Please see my email attached of my correspondence with long energy. I also spoke with XXXX XXXX to advise regarding the situation. Yet, XXXX XXXX kept sending the debt to different collection agencies. I contacted XXXX, one of the debt collection agencies XXXX XXXX sent the debt to, by phone and by email as attached that promised to remove the debt. I only knew that the debt is still on through Transworld Systems debt collection agency when I found it on XXXX XXXX. I did not receive a copy for the debt from that collection agency. I did not even know the account number as I tried to ask Transworld Systems for the account number but I was not given that. I sent a fax with the attached records to Transworld Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
In the month of XXXX I obtained a copy of my credit report. I am attempting to purchase property and was denied. What I became aware of is the fact that this company was in violation of my rights. The information that was reported was/is a DIRECT violation of FCRA SECTION 623, 15 U.S.C. 1681s-2 ; 12 CFR PART 1022, subpart EXXXX I have sent several letters to NAVIENT about this issue and I have even called them to no avail ..... 
I started sending letters to them in XXXX of 2021 when I first became aware of this issue and they never corrected it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: CA

Complaint narrative:
I've contacted the following accounts below & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on the accounts. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

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 2022-05-25 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: CA

Complaint narrative:
I've contacted the following accounts below & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on the accounts. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: CA

Complaint narrative:
I've contacted the following accounts below & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on the accounts. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

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 non-monetary relief
Consumer complaint received 2022-05-25 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: AL

Complaint narrative:
In accordance with the fair credit reporting act convergent XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX 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 a 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 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 non-monetary relief
Consumer complaint received 2022-05-25 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, Account # XXXX, 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 2022-05-25 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, Account # XXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: NV

Complaint narrative:
In accordance with Fair Credit Reporting act 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 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 explanation
Consumer complaint received 2022-05-25 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: N.A.R., Inc.
State: UT

Complaint narrative:
NAR INC Never once contacted me. I have no idea or proof of such alleged debt. My XXXX XXXX XXXX have been relised to the Credit bure without my concent. They put a collection on my credit of XXXX on one reprt and XXXX on another with it beeing an open account like im missing payments monthly. This alleged debt is not mine to my knowlege and yet somehow without informing me of the alleged debt they are able to put it on my credit report and release my medical records without a signed hipa aggreament. 
Please help me get this off my credit report imediatly. 
I am looking at option to sue this company for reporting faulse debt on my credit report. This is my last attempt for someone to force them to be accountable and to not allow them to destroy my credit over some allegged bill I know nothing about other than what is shows on my credit report. 

Account info Account name NORTH AMERICAN RECOVERY Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX This alleged account just appeared on my report I do not know of this sceem they are trying to pull. 

XXXX XXXX account. {$5.00}, 792 past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$5700.00} Balance updated XX/XX/XXXX Recent payment $ 200 Monthly payment {$0.00} Original balance {$5600.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
We would like to file a complaint about Chrysler Capital and request assistance in resolving a title issue with our XXXX XXXX XXXX. Chrysler Capital was listed as a second lienholder while our vehicle was titled in XXXX, even though we never owed them money. The car was financed through XXXX XXXX XXXX and is fully paid off. On the XXXX  title, there is a stamp next to the XXXX  XXXX XXXX line item, clearing that lien, but not next to the Chrysler Capital line item. 

In XX/XX/XXXX, we moved to XXXX  and upon trying to register our car, we were told we could not because there was no indication on the title that we did not owe anything to Chrysler Capital. Since XX/XX/XXXX, we had called Chrysler Capital numerous times to request they send us documentation to indicate we do not owe them money. While the agents we called tried to be helpful, there was never any continuity between calls because the agents told us we dont have an account with them, so there is no ability to follow up on any of our requests, leading to no progress on resolving our issue to date. The agents have provided us email addresses and a fax number, both of which we used to send our supporting documents for our request. We were able to confirm that they received the needed paperwork and were told a letter would arrive in 24 to 48 hours, but nothing has come of our efforts almost two months since that last attempt. 

This has been frustrating because it has resulted in unnecessary work on our end, including trying to find a lawyer to persuade Chrysler Capital to act, as well as preventing us from being able to sell our car. It has also resulted in us needing to pay personal property taxes in XXXX  on our car, despite no longer living there. As of XX/XX/XXXX, we were able to register our car in XXXX, but our title still has not been cleared of the Chrysler Capital lien holder. 

We would like Chrysler Capital to send us an official document indicating we do not have any debt with them so that we can remove them as a lienholder from our title. 

Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
For 12 years I have been trying to get assistants with fraud. XXXX XXXX XXXX stole my identity now call my bank everyday trying to close my account, get a Credit Card and ATM card. Bank of America has failed to even notify, I have asked for his phone numbers to be searched so I can file charges against them. XXXX XXXX also calls my bank posing as me trying to close my account, get a credit card and ATM saying I lost my ATM card. 
XXXX XXXX is a man XXXX XXXX XXXX they live at XXXX XXXX XXXX XXXX in XXXX CA. XXXX. At first Bank of America said they would send me the information in 5-7 business days. Then the phone rep said they dont provide any information like fraud notification anymore or assist customers with information to help them.. That makes no sense. So, If I would have called one day prior Bank of America would have helped me? XXXX 's number is XXXX it is so simple do try to help a long time customer by looking up a profile and reading the notes of fraud as these people call daily. XXXX has several numbers XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX. 
Can you please assist me in getting this fraud so i can try to get my life back? Please!!

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 2022-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
Gross incompetence on behalf of Zions bank. They did not stop a transfer as promised. They keep hiding behind XXXX to cover their mistake. It cost me {$700.00}. If all calls are recorded for quality purposes why don't they present it now? 

As promised I removed my business account to a real bank. If I want to be treated as a XXXX XXXX customer I will take my money to XXXX XXXX. 

Certainly the time has come for a change of leadership at Zions. Corporate greed has led to me leaving after 17 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 2022-05-25 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, 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 an 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 2022-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing this report about a romance scam. I met someone named XXXX XXXX over XXXX and began a short romantic relationship. While we were talking, he gave me a sob story about how he was in a desperate situation and really needed {$270.00}, promising he'd pay me back by the end of the month. I sent him the money through XXXX. However, after receiving the money, he blocked me on social media and refused to send me my money back. I now can find multiple social media accounts where he is asking other people for money for various reasons, and I suspect those are all fraud as well. I have tried contact Bank of America to get my money back, but they said they were unable to help. Hopefully, through this request, I can find some peace of mind and receive the funds back.

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 2022-05-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Account number:XXXX XXXX XXXX XXXX XXXX 15 u.s.c section 1681 section 602 a state I have right privacy 15 u.s.c section 1681 section 604 a section can not finish account without my signature

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