vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-30 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:
I have repeatedly contacted all 3 Reporting agencies advising them on erroneous errors on my Credit Report including names, addresses, and accounts that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: CA

Complaint narrative:
I have repeatedly contacted all 3 Reporting agencies advising them on erroneous errors on my Credit Report including names, addresses, and accounts that are not mine.

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 2023-05-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Several weeks ago I applied for a Home Equity Line of credit on the Bank of America online site as I have several accounts already with them. On the application I explained that our home was under a Revocable Living Trust I offered to send a copy of the document, but I was told that there was no need for that. I completed everything they asked for and sent all forms to them. At least two more times I offer to send the Living Trust Document to them each time I was told no need. We get all the way through the process and today I get a call stating that they do no lend on Live Trust only Living Trust. The very first page of my document states clearly Living Trust. All the affidavits I completed and sent out I clearly stated I was the Trustee. My daughter is also a Trustee and she too signed the Affidavit as they requested. The person calling me clearly does not know what they are talking about. I clearly stated also that I had a POA for my husband whom has XXXX XXXX as his name is on title. This was recorded which included two letters from physicians stating his inability to sign. I provided all documentation and completed all the paperwork. I want the inquiry removed from my credit report as it was pulled under false pretenses. If I had been told in the beginning, I would have not moved forward. The gentle man I have been dealing with is 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 explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
My account was charged fraudulently for two identical transactions on XX/XX/2023. I submitted a claim and both charges were temporarily credited to my account. A month later, the bank denied the claim for one of the charges and {$500.00} was taken from my account. I do not recognize the vendor and have never made a transaction with them before. The bank refuses to return the {$500.00} after I have called and complained several times. This account is linked to my mortgage and now is at {$0.00}. Please help me recover the funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IL

Complaint narrative:
I made purchases from 2 different merchants and 1 merchant product was faulty so he refunded me. Then I also made purchases from another merchant but she refused to refund me. I paid for online ebooks from these 2 merchants and the books were not good. The female didn't refund me but chime went into the man account twice and accidentally stole from him to compensate for the lady not giving me my cash, I told them that I made 2 purchase each from each of these merchants, they told me that they gave me all of my cash but they didn't. I want my 2nd refund from the lady that chime lied and said that they gave back but they didn't

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, my CFPB case XXXX got a response from AMEX on XX/XX/XXXX. Why everything else was corrected/addressed but this missing XXXX Membership Rewards Points from my Kabbage XXXX  line of credit account didn't get resolved. I had provided my feedback on XX/XX/XXXX although that CFPB case XXXX was closed. 

I didn't get any response from American Express for the original case which I opened on XX/XX/XXXX XXXX so I opened a new case on XX/XX/XXXX to address this issue. The NEW case number with American Express is XXXX. 

XXXX Membership Rewards Points should be awarded to my account after I meet the qualifying activities on the Business Gold Card and draw at least once from the Kabbage XXXX  line of credit within the first 3 months of Business Gold Card Membership. Please see the promotional offer published ( public offer to everyone ) last XXXX and I did open both Business Gold Card and Kabbage XXXX  line of credit account by the end of XX/XX/XXXX and have fulfilled all the requirements to be eligible to receive this XXXX Membership Rewards Points. Please see the promotional offer details from the picture displayed using the URL below or the image attached. Thank you. 

I need to emphasize that this XXXX Membership Rewards Points Kabbage XXXX  line of credit account is a PUBLIC offer and paired with XXXX XXXX XXXX Membership Rewards ) points for Business Gold. 

Details are as the following : On XX/XX/XXXX, I opened a new American Express Gold Card as well as the Kabbage account ( It's an affiliated bank product called Amex Business Line of Credit - Small Business Line Of Credit ). According to their advertisement, the promotional offer stated that as long as the customer opened these two accounts together as a pair and fulfilled the requirements for both account, I will receive XXXX ) XXXX XXXX XXXX Membership Rewards ) points for Business Gold ( I successfully spent XXXX in 3 months and got XXXX XXXX XXXX ) XXXX ) XXXX XXXX XXXX Membership Rewards ) points for Kabbage ( I fulfilled all the requirements and did borrow the money from the account at least once. But XXXX XXXX XXXX were not awarded as the promise ). 

I opened a claim with the ticket # XXXX with AMEX Business Gold customer service department XXXX XX/XX/XXXX and followed up with them numerous. It's been no progress at all since then and no updates as well. They just stated the back office needs to look into it. 

After several attempts to try resolving this case without any success, it leaves me no options but to file a complaint here. Please direct this case to AMEX customer service team for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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:
I told Experian, XXXX, and XXXX to reinvestigate these accounts. XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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

15 U.S.C 1681 section 604 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 my 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX, they made use of my credit, trying to acquire multiple credit cards, personal loans, vehicle applications, where my credit was affected and they only managed to generate a XXXX XXXX XXXX  credit card for a total of {$400.00} leaving me a collection balance of {$190.00}. I have not had an account with those banks, nor have I made any payment to that account from any personal In that same year my phone number was cloned and they used my personal information to try to get some kind of financial benefit, which caused my credit to be considerably affected by inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK
State: CA

Complaint narrative:
In accordance with the fair credit reporting Everything has to be 100 % accurate on the credit report Dates reported are not accurate. Also, does not match. This grounds for removal. They also violating my rights under. 

15 US C 1681 section 602 A. I have the right to privacy 15 U.S.C 1641 Section 604 A Section 2 : also states a consumer reporting agency in The can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: NC

Complaint narrative:
In accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: NC

Complaint narrative:
In accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : 8556 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I was once the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I willingly cosigned their parent plus loan to support their education. However, according to the signed agreement, my responsibility for their school loans ceased upon their graduation. Now that they have successfully completed their studies, I need assistance in removing any association with these loans from my credit report. How can I proceed with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CiTi Bank just want to spy on customers. This new spying practice required to have nice phone that is able to do what CiTi Bank wants it to do. There is no way anymore to use ID and password to get into the account whenever and wherever you are. Now, need to be on the phone with CiTi Bank for hours and they already sent bunch of verifications code on my phone and still it required to get another code by dialing number 1 on dial pad that isn't working for me on my phone. CiTi Bank does not let me another option like email. No, they want what they want and not what I am comfortable with. They want to know where I am right now. They want to know my spot. This is criminal. They want to track my phone. I was hour after hour on the phone and still simply can not get my account number that I needed. The CiTi Bank assisting criminals who violate customer civil and constitutional rights. 
Whatever I complained about before did not get an appropriate investigation. Criminal net is growing against innocent victims. Criminals get covered up. If I got a problem with the phone I got a problem with Bank, like it was last year and at the beginning of this year. When my phone got dysfunctional and I was not able to get into my Bank account. I provided temporary phone number and now the CiTi created a problem by not changing my temporary phone number back to my permanent number. What kind of law allow them to spy on people and create obstacles? I am denying to have that double security on my account through the phone. 
When I am a customer saying that I have fraudulent charges billed to my debit card, they do not respect me they continue to respect fraudulent activity. This is what was happened to me that I have to complain about again to some different organisation because your business did not help. After I promised that I will complaint now they created one more obstacle for me. Now after I put my ID and password I have to put my debit card number and code. It is done to block customers from using their money.

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 2023-05-30 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: GA

Complaint narrative:
To whom it may concern : I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you. Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Also per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes. The XXXX standards state that in order to make a report, you must follow their guidelines. " Any deviation from these standards jeopardizes the integrity of data. '' This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge. The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately!

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 2023-05-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The reporting of the Account listed as : XXXX XXXX on my Experian and XXXX Credit report has violated my rights. 

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

15 USC 6801 states that Credit Reporting Agencies have an obligation to protect non public personal information 15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions the FCRA states that companies are obligated to maintain accuracy of all items reported. 

The information in this account are not only constitutes " non public in personal information '' and they have been reported INACCURATELY. Multiple details including the balance amount as well as the date of the account openings are reported differently on the Experian report and the XXXX report. XXXX does not even have a record of this account existing at all. 

The reporting of this information has damaged my ability to acquire funding and has greatly impacted my mode of living. 

The reporting of this information without my expressed written consent constitutes a violation of 15 U.S.C 1681 section 602.

I also never received any communications or disclosures informing me of by ability to opt out of these reports. 15 U.S.C. 6802 B states that reporting company is required to send me the aforementioned communications ; The lack thereof constitutes a violation of the FCRA.

I have communicated in writing several times with company and they have failed to comply with my written instructions, as well as failed to provided details of the results and methods of investigation in an investigative report as required by 15 U.S.C 1681 ( b ) Disclosure on request of nature and scope of investigation.

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 2023-05-30 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: CA

Complaint narrative:
In accordance with 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. 

Account name : 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 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 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 response to consumer: Closed with non-monetary relief