vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting 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 XXXX XXXX XXXX. 

XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX  XXXX acct XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # 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 an 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 then records of convictions of crimes which antedates the report by more then 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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am sending my identity theft report for fraudulent accounts still being reported on my credit. I have already notified Experian that these are from fraud.

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to dispute a credit inquiry on my credit report. I recently obtained a copy of my credit report and noticed an inquiry by which I do not recall authorizing. 
This inquiry is fraudulent and constitutes a violation of the Fair Credit Reporting Act ( FCRA ) Section 1681b ( c ), which strictly regulates the permissible purposes for which credit inquiries can be made. Unauthorized inquiries are a serious breach of my privacy rights, and I request that you take immediate action to address this matter.

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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was looking at my report and noticed that there were some things that is not correct. I sent a letter to Equifax on XX/XX/2024. Here is my tracking number. ( Compliant ID ) XXXX. It has been more than 30 days since the credit bureaus haven't responded. This is a violation of USC 1681i ( a ) ( 1 ) ( A ) Under USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ) if the completeness or accuracy of any item or information contained in a consumers file at a consumer 's reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, the agency shall, free of charge, conduct a reasonable reinvestigation to whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
As a cXXXX XXXX XXXX XXXX  Bank of America has refused to close my XXXX XXXX XXXX XXXX XXXX XXXX After several submissions of my court document, I finally spoke to an agent who confirmed they were on file, and that my authority was recognized, however, I have " informational access only '' and no ability to close or withdraw from the account. My legal document of authority states " no restrictions ''. When asked why I am not granted the ability to withdraw, all the agent can do is read from a scripted answer from the legal department- which did not state what was lacking. When asked what language can be incorporated or if a Court Order would be sufficient, Bank of America was not able to provide any guidance. This means I have to ask my attorney to go back to the Judge and request yet another version of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  take a guess at what language to include, and hope for the best that BofA will find it acceptable. Getting a XXXX to sign off means requesting a hearing date, set XXXX days out, and paying my attorney to file a Petition and appear at Court. In the meantime, my ward has received an eviction notice due to nonpayment. BofA says it will take one month to review new documents. I'm now looking at over 60 days before I can liquidate the account to pay for care. 
BofA decides which court documents they will abide by without any guidance on how to move forward. They are unlawfully withholding funds that my ward needs to live and it's wrong.

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681 c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681 c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX {$0.00} XX/XX/year> # 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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The following accounts do not belong to me. Please investigate the following accounts and remove from my credit report. 

I have no idea where these accounts come from. 

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 2024-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I create an account with Capital One Bank on XX/XX/XXXX I was with customer service on the phone and they had technical difficulties verifying my identification so I had to verify XXXX times in order for them to create my account once my account was created no funds have an inserted into the account until 2 months later in which I connected my partner 's bank to my bank to transfer a certain amount to keep my account active I've done that successfully and my account has been active since I've recently started to receive donation beginning in XXXX and continuing in XXXX and once I've accumulated {$350.00} and {$0.00} Capital One Bank restricts my account and says that I have to verify my identification on a branch requiring me to physically go to a branch now I'm not able to physically go to branch because you don't have a vehicle and I'm not XXXX and they have already verified my information when I first created the account They already have all the information they need to verify my information but I call them and asked why my account is restricted and explain that they need to see my physical card on a branch and they need to see my physical social security card to a branch and so to my confusion I simply ask why was that not required in the beginning of the account creation They said that they deleted the information of my ID and they needed me to physically go to a branch to have them verify the cards I saw that as ridiculous because not many people are required to physically go to a branch to verify their IDs but because of their lack of understanding and their refusal to cooperate they threaten to close my account if I do not go to a branch at this moment I'm unable to withdraw from the bank account that I have accumulated {$350.00} in and I find it very suspicious as to why they want to verify my ID now when the first XXXX months I didn't have any money They had XXXX months going to 3 months now where they could have at any point asked to verify my ID again for decided to wait until you need money in order for them to them ask for more identification. They were perfectly okay with verifying my ID online but now they require me to physically verify it That does not make sense And when I called again in which I threaten to file a complaint to you in order to resolve this The whole purpose why I even made a bank account with Capital One is because I do not have to physically go to a branch It is for me to stay XXXX and stay XXXX That is why I made a bank account with Capital One. I'm not able to go out because I do not have transportation I do not have a vehicle I did not have money to go anywhere and I'm not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TRANSUNION credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the LISTED erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$16000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: MD

Complaint narrative:
XXXX XXXX XX/XX/2024 Please reference CFPB # XXXX XXXX XXXX XXXX XXXX XXXX stated they sent me a validation letter on XX/XX/2024, and we are still in XXXXXXXX XXXX XXXX so these are the lies they tell Please have them delete this account ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Fraudulent accounts are on my report that resulted from identity theft. I have notified Equifax and provided my identity theft report but the accounts are still on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
To Whom This Concerns, I am reaching out to request that you update my personal information in its entirety. I have tried multiple times by phone and by mail to have this information updated. I am requesting again that you update the personal information as stated in the letter as requested. 

I thank you for your prompt attention to this matter.

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 2024-06-27 00:00:00
Product: Credit reporting 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 believe that FCRA 605B requires us to delete any incorrect accounts from my credit report. Please check the documents, as there are inaccuracies in the reporting, amounts, and dates.

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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I reviewed my credit report and noticed there is a collection account I do not recognize. I initially reached out to the credit reporting agencies and they stated that the information was valid. I also noticed that this collection is only reporting on XXXX credit agencies XXXX and Equifax per my consumer rights and my right to privacy any item on my report should be the same on all three credit agencies and no collection should have a balance listed. I did state that this account does not belong to me and they did not remove the information. I have a right to remove anything on my report that is not accurate. I do not have any documentation used that this company debt belongs to me. I chose to OPT OUT of any reporting from this company and would like this removed from my report and an updated report showing the change. Or if you feel I have made an error and can prove this collection belongs to me please send the original contract and what documentation used to show that my signature is on contract and debt belongs to me. And please remove all fraudulent inquires per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting 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:
Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ablity to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to venty as accurate. 
XXXX XXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I opened this bank account 21 years ago in XXXX and have never been charged any fees for the account since I always maintained the required minimum balance. 

Late last year, Bank of America started charging me a $ XXXX fee which I did not opt into and I've received no additional services in return. 

Here are the dates : XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$25.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ablity to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 

XXXX XXXX XXXX. 
Number account : 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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, remove, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I went into the branch and applied for a XXXX credit card with PNC Bank. I was declined for stated reasons that were untrue. I called the customer relations department to discuss my concerns, but they did not reconsider my grievance. I feel that I have been discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you check the documents? Some accounts are reported incorrectly, showing inaccurate amounts and dates.

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