vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX  XXXX Date Opened : XX/XX/2015 Balance : {$1000.00}

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 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I made a mobile deposit of my employer check. Of {$1900.00} The next day the bank said that my check was fraudulent and froze my account access and said my account was going to be closed. 2 weeks later my employer lets me know that they can not reissue me a payment to due to the fact that Citi bank has my funds. I've called more than 10 times trying to speak with a manager they let me know that there is none. And I will get a call back out of those 4 times I've requested a call back I have gotten none. Today I called with my HR Payroll manager on the line they will not speak with me while they are present. But they are saying they will not release my funds till my employer calls the bank and verifies that the check is legit. I gave her a couple of numbers to contact my employer they still say they can not call those numbers. At this point they have funds of my check. But will not give the access to receive my funds til they speak to my employer. Every time they try to contact Citi with this issue they wont give Citi any of my information. Now I'm left almost a month with no pay because they are holding my funds. 
There has been no proof sent either from the bank of the current situation.

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 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX Opened XX/XX/2017 Balance {$3500.00}

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 2022-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: GA

Complaint narrative:
XXXX XXXX XXXX, XXXX has violated my rights and continuely try to collect debt that I don't owe. 

15 USC 1692c ( a ) states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may NOT communicate with a consumer in connection with collection of any debt.

15 USC 1692 b ( 4 ) states, NOT communicate by post card 15 USC 1692b ( 2 ) NOT state that such consumer owes any debt 15 USC 1692b ( 5 ) NOT use any language or symbol on any envelope or in the context of any communication effected by the mail or telegrams that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

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 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was robbed of 4 social security checks while XXXX and never gave permission for my card to be used. It was used to send people money and for many transactions equaling p to XXXX over a period under 3 months. Bank refused to help me. XXXXXXXX XXXX is even used for another person not me. The other they sent it to said shoulda known it was something cuz that person never had money. I started police report. I want bbt to help it was unusual activity they should have noticed it. My local branches always knew how to get in touch with me.!!

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 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX 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 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. JPMCB CARD XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}, JPMCB CARD XXXX Date Opened : XX/XX/XXXX Balance : {$6600.00}, JPMCB CARD XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: NY

Complaint narrative:
American Express has constantly been reducing my credit limit on some of my American Express credit cards this year including my gold card in which they took from me an annual fee of {$290.00}. 
This last reduction of my credit limit today on my account ending in XXXX from a credit limit of {$3400.00} to {$2100.00} will reduce my XXXX score by at least 30 points. 
I have been a customer of American Express for over thirty five years and never had a late payment or used more then 50 % of my credit limit on any of my cards. 
As of today my total outstanding balance on all my American Express cards which are five cards is no more than {$4000.00}. And even before American Express started reducing my credit limit this year on various American Express cards my outstanding balance was never more than 50 % of my credit limit. 
I tried to settle this latest issue with American Express but they would not relent. 
They asked me what my income was and then wanted me to send in proof of income. I told them that if they reviewed my credit report they would see that my monthly payments to all my credit trade lines is at least {$7000.00} a month totaling an income of at least {$84000.00} a year. But apparently thats not good enough for them. I once did in fact send in proof of income due to a credit line reduction but it did me no good as they refused to reinstate my credit limit. I am a hardworking business person and no longer have time for their pettiness. 
It seems they are attempting to damage my credit score in the hopes that with a lower XXXX score my other credit card vendors will also reduce my credit limits which so far they have not. 

This is an egregious abuse on their part. I will no longer pay an annual fee to them. In my continuing my relationship with them as a XXXX XXXX client this year they have incurred punishment upon me. 
And I will inform my business clients of just how mean spirited and abusive they are. 
And to mention with this horrible pandemic that we had to live through they would have a decent attitude. Shame on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This is not a DUPLICATE complaint and this not being filed by a Credit Repair company. 

In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

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 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681i. ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 1. Account Name : DP OF EDUC Account # XXXX 2. Account Name : US DEPT ED Account # XXXX 3. Account Name : XXXX Account # XXXX 4. Account Name : XXXX ( Original Creditor : 08 XXXX XXXX XXXX ) Account # XXXX 5. Account Name : Original Creditor Account # XXXX 6. Account Name : Original Creditor Account # XXXX 7. Account Name : XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$2500.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, XXXX  XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$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 2022-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: NC

Complaint narrative:
Credit karma told me I had high approval ratings on certain credit cards. Went to fill out the application and was denied. It happened 2 or 3 different times at different points in my credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am submitting this complaint on behalf of myself. According to the FCRA The 3 consumer reporting agencies are in violation of 15 USC 1681 section 602. Which states I have a right to privacy. I sent these companies a dispute letter stating that are in violation of 15 USC 1666b ( please see attachment ). Pursuant to 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. They are in violation for reporting this inaccuracy to my consumer report. They are being intentionally and willfully neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy on my report based on federal law Please see attachment.

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 2022-09-13 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: IL

Complaint narrative:
Experian, XXXX, & XXXX failed to delete a fictitious debt. Experian has failed to provide me with an original documentation of this debt existing. My car has never been repossessed. I got it refinanced and XXXX XXXX XXXX XXXX updated my credit profile with repossessed. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) the credit bureaus must verify any debt and provide me a copy of the documentation with my original signature. Please be advised under section 611 ( 5 ) ( A ) of the FCRA THE CREDIT BUREAUS ARE REQUIRED TO DELETE ALL INFORMATION THAT CAN NOT BE VERFIED. This is fraud, defamation of character, and deceptive act or practice.

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 2022-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am writing you out of desperation. Almost the same desperation that put me in the position to cause my current issue. A little over 3 months ago.I got a title loan from a company called XXXX XXXX. A check cashing place that advertises to do other financial services. But the actual loan they were advertising in their business was with another company called Wilshire Consumer Credit/Westlake FinanciaXXXX , they are a financial institution out of California. I got the title loan through loan center which then directs you to these companies. They had me fill out a form from the XXXX to add them as a lein holder on the florida title for my XXXX, not knowing who you actually doing business with. I got a loan of {$10000.00} in XX/XX/XXXX. The intrest was stated to be at yearly 64.4 % Yes 64.4 %. I had an issue as we all did during XXXX and XXXX with work being slow. I thought id be able to pay in a few months but that didn't happen. I have paid them nothing and because something isnt right about this company. I was advised that there is nothing that can be done since the bank that actually wrote the loan, XXXX XXXX XXXX XXXX Utah is well in Utah! So my major questions! Why is a business who IS in Florida, advertising for a company based out of California, and using a bank in Utah, allowed to sell this financial instrument without oversight and charging well over the allowed amount in this state, using Florida 's own title documents, and not be subject to Florida laws! All paperwork was signed in the office at XXXX XXXX in XXXX XXXX, Florida. Now when i ask for the current payoff as of today, my balance says I owe {$13000.00} but Wilshire credit says the payoff is adjustable with these special payoff letters. I am not a genius but something is screwy with this situation! Can someone please HELP! Thanks in advance. I have contacted them by email and calls and refuse to contact me back about this, they have 3rd parties call on Wilshires behalf to collect a debt. The original creditors do not call, which is XXXX XXXXXXXX XXXX XXXX XXXX. They have numerous 3rd parties call on deceiving number which none of them i did business with. They are breaking so many laws I cant even keep count. Id like someone look into this and please inform all so they never do business with any one of these companies or better yet, put these companies out of business and shut them down.

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 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I received a string of emails from Bank of America on XX/XX/22 with the following subject lines : " Verify your email address '', " Online Application is in Progress '', " Your application was approved '', Welcome to Online and Mobile Banking '', and " Your email address was updated ''. All of the emails were received within 7 minutes of each other. I never applied for an account with BoA, so it appears someone has opened an account in my name. 

I have called BoA and been transferred through several fraud departments. So far, no resolution has been achieved.

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