vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-12 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Support was disrespectful and you can even hear her snickering as she tells me false information. XXXX, case number XXXX. Tried telling me that a service I have been using for almost 2 years was NEVER available. That can not be true. She then tried to explain some non-technical communication between the bank and the third party. saying XXXX such as " it using security questions and not a one-time code ''. Let 's pretend she didn't just pretend to know something she clearly doesn't, let 's pretend I believe her XXXX. How is she the ONLY person in PNC that knows anything? and when I asked for a supervisor, she snickered and said she doesn't have one and that she is the supervisor. This is insulting. If she doesn't want to do her job or take it seropusly, why do I have to pay the price? This is my finances, MY LIFE and this employee did nothing but lie to me and snicker. UNACCEPTABLE. Attorney General complaint is to follow. XXXX they record for " Quality '' assurance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following are in violation of personal consumer rights : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX First, 15 U.S.C 1681 Section 602 A : guarantees a right to privacy.

Second, 15 U.S.C 1681 Section 604 A, Section 2 : Does not allow a consumer reporting agency to report account information ( without permission ).

Moreover, to correct credit reporting agency records, in the removal of inaccurate and non-updated information, eleven such requests were made to XXXX and Equifax. However, with less than a three-day response, these credit reporting agencies claim to have completed a due-diligent investigative effort. In the interim, XXXX and Equifax continue to furnish and display unsubstantiated account details -- without permission. 

Furthermore, XXXX continues to list ( as primary ) an incorrect version of my legal name. Additionally, to allow for legal dispute, the credit reporting agencies fail to identify complete ( and accurate ) account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i have accounts with Bank of America, some of them since XXXX. 
i never had problems with check deposits until now. 
usually, when depositing a check on my checking accounts the information given by BofA is that the funds will be available within 2- 3 business days. 
the last 2 checks ( from 2 different clients, drawn to different banks ) were and are put on hold for 7 days with no explanation given. 
one check ( {$14000.00} ) i deposited on XX/XX/XXXX and it was put on hold until XX/XX/XXXX. 
the other check i deposited on XX/XX/XXXX : " BKOFAMERICA MOBILE XX/XX/XXXX XXXXXXXX DEPOSIT XXXX XXXX  '' in the next line it says : " Deposit Hold {$6000.00} Total amount delayed, available XX/XX/XXXX at XXXXXXXX XXXX XXXX ''. 
i called the customer service at BofA yesterday for an explanation. the answer was that for security reason they have to put the deposits on hold but the can not give the detailed information about it. 

also, the hold on the check of {$14000.00} doesn't show up anymore in my account statement. that means the documentation of the hold was deleted.

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 2022-08-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I have been treated. Horribly by management and lied to numerous times and told I would receive credits that then were never given, in fact made up stories and continuous disrespect and lack of listening have occurred too many times which has all led to where we are now. There is foul play with my account and trying to cover up and make up crazy outcomes despite physical proof and me trying to explain. I'm so disgusted that this is what keeps happening to me and I'm supposed to be protected and taken care of. Instead my bank is stealing and being shady. I want whats only mine and it's been over a year with excised and promises on top of disrespect. I have several claims and XXXX I received a letter for and was suppose to be credited and never was, 8 bankers all seen the same thing but now it's all mixed up. I will be seeking legal service from my lawyer if not handled ASAP cause it's been too long and too much already. To be on the phone for 3 hours then disregarded by a MANAGER nonetheless and then fake transferred is Unacceptable! Thanks

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 2022-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: OH

Complaint narrative:
Additional information after receiving feedback- CFPB complaint # XXXX XXXXA supervisor hasnt called me. I will provide a copy of my phone record. I request this account to be removed from my credit report until document of debt is received from company. My phone number is XXXX I advised XXXX the phone number she gave wasnt my phone number. I agree I asked XXXX only about a pay to delete because of the tone of the call and XXXX implying that I was argumentative. No where in my initial complaint did I say I discussed removal from credit report. This complaint is to request removal from my credit report until I receive correspondence about the debt. I wasnt given the opportunity to resolve debt because the only correspondence was conveniently sent to the wrong address and when the company obtained the correct address no attempt was made to collect the debt. I am requesting the collection process to be reaged to allow the company to reissue the letter and allow me to resolve the account within the 45 days offered in the initial letter. XXXX informed me debtors have 45 days to take action before credit reporting after the letter is sent. Had the company reissued the letter after the correct address was found 1 day after they obtained acct this matter wouldve gotten resolved. This appears to violate FDCPA. I wasnt given a 30day opportunity to resolve or dispute the debt and the company states they updated to my correct address within 24 hours of of obtaining account. XXXX stated the got my correct address from skip tracing, and nothing was returned to sender from the incorrect address. A simple XXXX  search of my name and previous city gives my phone number and agent said they tried to call me and I advised number on file not my phone number ; since a skip trace was conducted 1 day after the company obtained account my new phone number was also found and no attempt was made to call. Considering the timeframe between the company receiving account from XXXX and them obtaining my correct information via skip trace, I am asking the creditor to reage the debt to the original 45 days from notification as per the terms of the original letter to allow adequate time for resolution. It appears unethical and intentional that no effort was made to use correct information was gained via skip trace, especially considering the purpose of skip tracing is to locate, notify, and collect debt ; especially suspicious if my credit profile was accessed through skip trace. If my credit profile has been accessed by this debtor it would appear that debtor avoided using contact information to create urgency for payment because I have a 100 % payment history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: CA

Complaint narrative:
Should Not Reporting On My Credit Report Under 15 U.S. Code 1681e ( b ) and 15 U.S. code 1681 ( 5 ) this acoount in violation not reporting 100 accurate it list the child support court as the furnisher thats forgery and misleading when the courts don't report this type of account should not be listed on my credit report I've never did any business with that company i did not authorize this account. List of other companies XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: TX

Complaint narrative:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXX, Account Number:XXXX Account Name : XXXX, Account Number:XXXX Account Name : XXXX, Account NumberXXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap XXXX they also violated my rights under -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 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.

-15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-08-12 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: TX

Complaint narrative:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name XXXX XXXX XXXX, Account Number:XXXX Account Name : XXXX, Account NumberXXXX Account Name : XXXX, Account Number:XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap , they also violated my rights under -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 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.

-15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc.
State: UT

Complaint narrative:
Someone on XXXX found me and told me about putting my money into Blockchain and getting a return from it. I proceeded to deposit I believe around {$3200.00}. They immediately took the money from the account and deleted all their information. I would like to get my money back. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: The Savings Group, Inc.
State: AZ

Complaint narrative:
I submitted my personal details to XXXX in order to pre-qualify for a new vehicle purchase. This was required as XXXX does not openly disclose its rates but instead submits borrower 's information to lenders to match them with an offer. 

Per XXXX XXXX own FAQ ( XXXX ) : " During the application, we do a soft pull on your credit that will not negatively affect your credit score. Only when you choose an offer to submit for lender approval, does XXXX run a hard pull against your credit which may affect your credit score. '' I also received an email confirming the same : " We run the numbers and find you our best rates and terms, all without affecting your credit score. '' Both the FAQ and email confirmation are attached. 

Despite this, XXXX immediately performed a hard pull on my credit, negatively affecting my score.A representative from XXXX ( XXXX XXXX ) called to discuss my application. I asked why a hard pull was made and he answered that they do so before sending applicants ' information to lenders so I can be matched with the best offer available to me, rather than individual lenders having to run a large number of separate pulls. 

I reiterate : I did not choose an offer for lender approval, and per the FAQ and confirmation email, a hard pull should only have been made AFTER I did so. 

This is a deceptive practice which has harmed my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have reached out to XXXX 7 plus times into getting information on how my account XXXX came to reflect such information XXXX is reporting first day of delinquent XX/XX/XXXX on XXXX and first day of delinquent on XXXX XX/XX/XXXX which are both wrong this account went delinquent on XX/XX/XXXX when I ( COMSUMER ) closed the account without payment and never contact XXXX again to make any payment or any payment arrangements or gave my consent to update any payment info on said account. 

I am not asking for clarification on who owns the debt ( XXXX  ) I am asking XXXX  how did my account change from XX/XX/XXXX closed by consumer with no payment made all of sudden current from XX/XX/XXXX all the way up to XX/XX/XXXX or XX/XX/XXXX with on time PAYMENTS being report to Credit bureaus with out me requsting such change how is this possible? 

I also asked XXXX  who made these payments being reported and what method of payment used to make payments? 

even after XXXX admitted to making mistake on reporting information that they certified to credit beaures was accurate and was not still refused to removed account after countless flip flop of infomation! 


these is my last attempt to get information from XXXX  on how my account came to this satus... I will wait for XXXX  to respond before I file my case in court maybe if the XXXX ask XXXX  and clear it up.because XXXX has not been able tell me how these changes came about on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: AES/PHEAA
State: NV

Complaint narrative:
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
The last XXXX of the card is XXXX. The last XXXX of the new card is XXXX. 

Citi is still charging me {$230.00} for a charge I disputed on XX/XX/XXXX. I called and their representative told me that I wont get a credit until the investigation is complete which is not in compliance with federal law. Im supposed to receive a temporary credit while its being investigated. 

The representative also gave me a non-existent phone number to call to escalate the issue to. The number she gave me was XXXX which is not a valid phone number. 

I would like an immediate permanent credit as citi violated federal law by not providing a credit while a fraudulent charge was being disputed.

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 2022-08-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Recovery Solutions, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX contacted me demanding payment owed to XXXX XXXX XXXX Asset Recovery Corporation and they quoted the beginning balance is due. The beginning balance goes back to the original lender XXXX XXXX XXXX. The written demand for payment indicates no payment since 2016. Which is absolutely not true! I expressed this to the customer service agent and I told him I would contact Asset Recovery to discuss it. He stated that they will just refer me back to him. I requested a letter in writing and what I received is what is indicated above, which is the wrong information.

Company response to consumer: Closed with explanation