vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-21 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: OK

Complaint narrative:
In accordance with the credit reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 


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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no report containing any of the following iter other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 16818-2 ( A ) ( 1 ) A person shall not furnish any inform : 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 2022-12-21 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:
This charge-off account being reported by XXXX  XXXX, account number : XXXX was opened in my name in XX/XX/2005 without my permission. I believe my identity was stolen to open this account. This credit card was never opened by me nor I gave anyone my permission to open it. I wrote several letters to Experian asking them to remove this fraudulent account from my credit file, they failed to comply. I filed a police report along with an identity theft report and sent them to Experian. 30 days later I received a letter from Experian stating that this fraudulent account was verified as accurate. This fraudulent account, which is now charged-off has caused me serious financial stress and my credit score has been severely impacted. Im asking that Experian remove this account from my credit file 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 2022-12-21 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: NY

Complaint narrative:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency XXXX terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

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 2022-12-21 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: FL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 2022-12-21 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XX/XX/XXXX -- Disputed a Public Record item appearing within my credit file with Equifax as a result of the company 's Violations of Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C 1681 ) reporting requirements but also Violation of FCRA 623 ( b ) ( 1 ) which states : FCRA 623 ( b ) ( 1 ), credit reporting agencies or furnisher of information being reported which turns out to be inaccurate, incomplete, or cant be verified, must be permanently deleted. *** As per Section 609, I am entitled to see the original furnisher or source of the information and in this case the original furnishers is/are : the US Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX XXXX The original furnisher ( s ), the US Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX, do not report to any credit reporting agencies to include Equifax, XXXX, XXXX, or XXXX. Neither does the Court report to any third-party credit reporting agency furnishers or reseller of information. This rule applies to All US Courts therefore any statements alluding to Equifax stating the information being reported within my credit file with their company as verified and accurate is an error or a lie. Either way Equifax reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681 ) and 623 ( b ) ( 1 ) therefore the information must be deleted immediately. ** Equifax also intentionally opened a duplicate FCRA Violation Dispute on XX/XX/XXXX ( XXXX ) to prolong this investigation, disconnected XXXX of my calls and sent me to the company 's survey questionaire while I was talking to a supervisor about the matter, and also kept my second call to the company of XX/XX/XXXX for more than 30 minutes after asking for a supervisor and also to speak to the Consumer Affairs Dept Rep who created the duplicate dispute on XX/XX/XXXX ( *See Phone Log Attachment )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
In 2010, I closed my joint account with my XXXX They told me I could not close the account without a XXXX XXXX  in hand. No activity happened in the account and I took my XXXX XXXX to the branch on the day I received it in XXXX XXXX XXXX  I closed the account and they assured me that it was closed to all activity. I specifically asked because it was a joint account and my XXXX XXXX XXXX XXXX. XXXX weeks later, they said that my closed account was overdrawn by XXXX of dollars in overdraft fees. No money was paid from the closed account to someone else. ALL of the money was in overdraft fees. I have asked many times ( as recently as XXXX  years ago when I opened a credit card with them because a store used them as their credit ) and they NEVER give me an answer. They XXXX XXXX XXXX XXXX from me and have never repaid it although I have had them investigate it multiple times. I bring it up AGAIN now because of the lawsuit they lost, doing exactly what they did to me. I dont have the account number handy as it was over XXXX  years ago but I have never given up on getting the money 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 2022-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to the file this dispute. I also constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1001. Additionally, these misstatement are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$240.00} ; XXXX ( Original Creditor : XXXX XXXX CALIFORNIA ) XXXX Balance XXXX {$11.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$0.00} 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 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-12-21 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$240.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$11.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$680.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AXOS FINANCIAL, INC.
State: VA

Complaint narrative:
I recently opened an Axos Bank Rewards checking account on XX/XX/2022 using promo code XXXX which gives a {$300.00} bonus for meeting specified terms for new account holders. Terms have been provided at the bottom of this form. 

On XX/XX/2022 a {$7100.00} third party deposit was deposited into my Axos Rewards checking account originating from XXXX XXXX, and the transaction coded as investment income. This deposit transaction met the terms of having a deposit within a single month from a third-party, being within the first 3 months, and since the deposit was greater than {$7000.00}, it meets the deposit threshold in order to qualify for the new account bonus terms. 

I tried reaching out to Axos bank to check on the status of the bonus via their online messaging system on XX/XX/2022 and have yet to get a response. When I created the account online, the promotion code was automatically attached to the application in a non-editible field. 

Since Axos Bank has failed to initiate a conversation with me to handle the matter, I would like CFPB to step in and help with remediating the situation to ensure that Axos Bank stands up to their obligation. 

" To receive up to a {$300.00} Bonus : An Axos Bank XXXX XXXX application that includes the promotional code XXXX must be submitted between XX/XX/2022 at XXXX PST and XXXX PST on XX/XX/2022 to qualify. You must open your new Rewards Checking account and have qualifying direct deposit ( s ) see table below. Total Qualifying Direct Deposit amount in 30-day Evaluation Period You must have these deposit amounts within a single calendar month during the first three ( 3 ) calendar months your account is open, including the month in which your account was opened. Direct deposit funds must be new to bank from a third-party source ( not originated from another Axos Bank brand account ) to receive bonus credit. All eligible awards will be delivered to your Rewards Checking account within 30 days following the 90-day waiting period. Account must remain open for 180 days or an early closure fee of {$150.00} may apply. A member may only qualify for one bonus tier and will not be eligible for future bonus payments if inflows subsequently increase beyond the 30-day Evaluation Period. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank blocked my savings account with XXXX dollars for XXXX month and a half I couldnt pay my rent and my bills I have a Citibank credit card that I couldnt pay because Citibank hold my money now Citibank report me to credit bureaus while theyre holding my money I lost so many points on my 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 2022-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
After speaking with XXXX XXXX today ( XX/XX/XXXX ), I was informed, and assured that ; JPMCB-CARD SERVICES has no intentions on : obeying, applying, agreeing upon, respecting, incorporating, accepting, implementing, recognizing, and they definitely has no intentions of executing, the Laws of the Land that's designed, and to protect the consumers, from such Creditors/Debt Collectors like JPMCB-CARD SERVICES! Instead they're literally trying to : con, bully, frightened, pressure, harassed, intimidate, swindle, and definitely trying their hardest to, demand that I pay ; a past debt that has been deemed/declared Judgment Proof, legally uncollectable, unenforceable and now considered an old debt ( due to the statue of limitations/time barred debt, which is four years in Texas )! Something is very wrong with that scenario there! They knew this was : a lost cause, and attempt every since, XXXXXXXX XXXX XXXXXXXX! My previous legal representatives ( XXXX : from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) had informed them of this, and sent them a cease, and desist letter! How can that same debt ; be all of the, above listed things, and they also be free, to insist/demand that, I pay a past debt, with all that excessive baggage, and legalities surrounding it??? Out of all the past debts/accts, that XXXX had attempted to address, and handle on my behalf! Just two surrender, and let the law be the law : by recommending that, all three Credit Reporting Agencies, remove that negative, inaccurate, harmful, deceptive submission, and illegal reporting from off my credit report! That was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX Bank ) ! About three or so months ago, the same thing happened, in XXXX case! If they allowed, and or told XXXX to do such thing! Then why wasn't that same offered, and approval given to XXXX, and XXXX as well??? At least that would had been, from the customer perspective : the more moral, and righteous thing, they could have ever done!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OR

Complaint narrative:
We have a business checking account with Fifth Third Bank in XXXX, XXXX Their minimum balance for service fee waiver was {$25000.00}, which we maintained easily. However, in XX/XX/2022, they raised this minimum balance requirement to {$50000.00} ( a 100 % increase ) and the service fee was also increased to $ XXXX ( from a previous $ XXXX ). We did not receive proper notification of such action. While checking year end status of our business account, I noticed that there had been a monthly service fee of {$50.00} applied since XX/XX/2022 with a foot note stating the reason of us not having a $ XXXX average balance. We went through our XXXX mails and emails and could not find a notification of this change by the bank. So, we called the bank 's business customer service line and talked with XXXX and explained our situation. He insisted that a mail had been sent, we stated that we hadn't received such a mail and perhaps this could have been misplaced by the post-office or bank 's mail room. He only agreed to waive one month charge, leaving us with a {$100.00} service charge on our account. 

following this we went through bank 's statements on their web portal. The first page of XX/XX/2022 statement was regular as before, but on the second page there was a notification of their intent to increase the minimum balance requirement by 100 % in XXXX. 

My contention is that this was not a proper notification of such a monumental change in their business practice, where customers ' minimum balance requirement was to be increased by 100 %. There should have been an email or a regular mail in addition to notification to the customer during the first month of implementation that the customer is now being charge and should consider corrective action or move the account to another bank. 

I consider it poor banking and business practice to sneak in a monumental change in minimum balance requirements by adding a page to monthly statements.

Company response to consumer: Closed with explanation