vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has vi olated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-05-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened account with Capitalone 360 Savings XXXX, XXXX {$4700.00}. I tried to to use it all the features such transfer, send money, etc from my account but it blocked. I made some phone called to consumer protection CapitalOne and their answered I can get my money from the origin previously bank. But obviously i get bill statements for 2 months afterwards and i can check my account online too. 

Than i got busy looking and moving house. 

XX/XX/XXXX after I settled in new house I checked my online account the balance {$0.00} and mentioned withdrawal that i never done it. So I called again customer support or service why their is withdrawal not by me? She mentioned that the CapitalOne closed my account and send check to my new home address. 

XX/XX/XXXX till to date I received only Bill statement mention that my balance for XX/XX/XXXX to XX/XX/XXXX are {$4700.00} to {$0.00} and I have not receive the check, I made some calls again to customer support or customer care to resend check, no response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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. 

15 U.S.C 1681 section 602 A states that I have the right to privacy. 15 U.S.C 1681 section 604 Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681c ( a ) ( 5 ) 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 7 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. 

I have repeatedly requested that the above companies provide verifiable proof the debts belong to me and they have been unable to provide the proof.

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 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX and 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 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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

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 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: OH

Complaint narrative:
XX/XX/XXXX, I applied for an Apt online. XXXX XXXX do accept Section 8 voucher. I applied online application that required a XXXX Deposit. I paid the deposit. Then I was denied do to a policy XXXX XXXX said they can not sign a document with the Section 8 program. They charged me XXXX plus XXXX for a policy they are aware of. I disputed the charge with my credit card company, I was issued a refund. I also reached out to the XXXX. The XXXX  had XXXX XXXX reach out to me. I spoke with someone from XXXX XXXX and advised them, I did not owe them money for a policy they were aware of. XX/XX/XXXXXXXX  a debt collector called me demanding XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hi, I received a denied auto loan application with an inquiry to my credit report that I did not requested nor apply from XXXX XXXX XXXX, is like the third time and third agency or company that I received this denied notification and I did not make any auto loan recently with this company nor Capital One nor XXXX XXXX XXXX I need that these inquiries be deleted and remove from my credit report I did NOT apply for an auto loan, because I moved to other state and I am working and lived near my work. FOR NOW I am not applyimg to any auto loan someone without my authorization and without my concern is doing this inquiry to harm my credit and when I decide to apply in the future can not apply because of those denied applications and credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: American Financial Network Inc.
State: FL

Complaint narrative:
Hi, I received a denied auto loan application with an inquiry to my credit report that I did not requested nor apply from XXXX XXXX XXXX, is like the third time and third agency or company that I received this denied notification and I did not make any auto loan recently with this company nor XXXX  XXXX nor American from XXXX. I need that these inquiries be deleted and remove from my credit report I did NOT apply for an auto loan, because I moved to other state and I am working and lived near my work. FOR NOW I am not applyimg to any auto loan someone without my authorization and without my concern is doing this inquiry to harm my credit and when I decide to apply in the future can not apply because of those denied applications and credit inquiry.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

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. 

15 U.S.C 1681 section 602 A states that I have the right to privacy. 15 U.S.C 1681 section 604 Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681c ( a ) ( 5 ) 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 7 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. 

I have repeatedly requested that the above companies provide verifiable proof the debts belong to me and they have been unable to provide the proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

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. 

15 U.S.C 1681 section 602 A states that I have the right to privacy. 15 U.S.C 1681 section 604 Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681c ( a ) ( 5 ) 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 7 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. 

I have repeatedly requested that the above companies provide verifiable proof the debts belong to me and they have been unable to provide the proof.

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 2023-05-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: TN

Complaint narrative:
I am listed on my deceased father 's bank account however my sister who is the executor of the estate is not I have been working with the bank to have her added to the account so she can settle the estate for over a month and a half with no resolution in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: Credit Karma, LLC
State: WA

Complaint narrative:
I closed accounts in my dead name, because that identity is no longer me and was not told anywhere in XXXX that I would not be able to open a new account they said my dead name couldn't, but that's no longer my identity and I'm glad to be rid of it as I didn't have the best parents or the happiest childhood. They mentioned nowhere that if I were to open an account with same social I would be denied. 
I informed them I was a XXXX  XXXX  with new identity and they didn't care they still chose to discriminate against me and not allow me to have a first account with them because before I was allowed to exist and accepted who i was dead name had an account with them. 
I understand that I'm not a majority within my minority and I do not speak for other XXXX  XXXX XXXX experience, but for me I was locked away watching someone else live my life until I was given my real name and allowed to exist and accepted by myself. So it's not fair and very XXXX  of any company to deny me access to opening an account for something done before I existed by someone else. 
In my specific case this is a XXXX  policy and violates my rights of equal treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: CA

Complaint narrative:
For months on end I have told cash app regarding unauthorized charges and it's seems they say back end floated through it without lifting a finger to decide credit or apologize with something I can use for XXXX  me off on charges to XXXX XXXX XXXX and app like XXXX XXXX I've had it with these frausters and oreover the quasi banks that's thinks it ok to hide behind the XXXX  symbol bit not honor it with provisional credit for credible people

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am requesting that you investigate and take necessary action to remove them from my credit report.

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 2023-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I went into the bank to cash a check I receive monthly for a house I rent to someone. The person that wrote the check accidentally wrote the dollar amount on the " Payer '' line. I asked the branch manager if I should have them rewrite another check or if I should continue with the deposit. Manager advised me that I could deposit it but it might get flagged and rejected and they might send the check back to me. I said I wanted to deposit the check. I also asked if it would affect my account. He told me " No, it would just get rejected worst case scenario ''. He proceeded to deposit the check then said " Actually, don't tell anyone I said this, but you should deposit into the atm right here because it might not get flagged ''. He cancelled the endorsement and advised me to use atm. Now All my accounts are being closed because the bank relinquished their right to do business with me. NEVER DID THEY EVEN TRY TO CONTACT THE OWNER OF THE CHECK TO VERIFY IF IT WAS LEGIT. I contacted the writer and he said that he was shocked and no one tried to call him. Again, I've been receiving checks from him since XXXX and depositing them here. In addition, the bank has refused to give me my money. Now it is the end of the month and I'm going to be late and acquire late fees on all my properties and bills and I can't even pay my employees. The bank is stating it will take 10 business days to close the account and after that they mail a check. This is so unfair and I did nothing wrong. I don't understand why they did not verify the check and why their branch manager gave me bad advices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had filed XXXX XXXX bankruptcy and voluntarily dismiss, i contacted the Middle District Bankruptcy Court about these XXXX XXXX being on my credit report, i was told by the court, they do not provide information, the credit bureau does that. 
I have did a number of disputes with all 3 credit bureau with no success, These XXXX  XXXX bankruptcy falls under the Covid-19 Bankruptcy Relief Extension Act and should be removed as a matter of law.

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 2023-05-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I have several hard inquiries on my credit report that I didn't authorize or have any knowledge of... 
Bank Of America credit card inquiry on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX inquiry on XXXX XXXX XXXX XXXX XXXX inquiry on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry on 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 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
Ever since the transition from XXXX XXXX to Goldman Sachs its been a nightmare for me. Last year XXXX I called to get my legal name on my billing statements because Im a " XXXX '' with a suffix and statements were being opened by my dad. After finally contacting someone by phone to make that clear my billing statements stopped for around 3 months. So I never received a statement. I was in agreement with XXXX XXXX for " hardship '' and my monthly payments were supposed to be {$40.00}. I have tried over a year to resolve this with every specialist saying " they will note my account and someone will reach out. '' Only one person has in over a year and I was on my way to work and told her to call me back the next day. She never did. I get harassing phone calls and inaccurate emails daily and weekly. It has created a balance, interest and credit reporting inaccuracies. I just responded to an inaccurate email today and spoke to another specialist and told her to note my account that I am now filling a complaint yet again with the CFPB seeing how nobody wants to help resolve this..

Company response to consumer: Closed with explanation