vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/year> I deposited 5 checks into an ATM with the assistance of the bank staff. The ATM accepted my checks. All of the checks were valid and none of them were duplicates or copies. About two weeks later I checked the account and found that three of the checks were deemed " invalid ''. I believe it's Bank of America 's hyper sensitive fraud detection settings that caused this and deemed them duplicates. Three of my checks were for {$5000.00} and two checks were for {$8200.00}. The ATM accepted one check of each dollar amount {$8200.00} and {$5000.00} and the rest it rejected as invalid. The check numbers and dates are all different. They are multiple months of rent checks I receive from two entities. I could not deposit those checks earlier because Bank of America would not let me mobile deposit them. I had to wait for an ATM card. They say a new account there are too low limits on mobile deposit to deposit them. The mobile deposit rejected them as I was at the XXXX limit. I called Bank of America and they said I would not get the actual checks back. I would get some type of certified copy of the checks and I could go to a branch and redeposit them. I waited for several weeks. I got the actual checks back in the mail. However, only two of the checks were the checks that had been rejected. One of the checks was the check that they had already credited. They made an error. I went back into the branch and the branch manager apologized and said they have to resend me the certified copy of the correct check. This was almost a month ago. I still have not yet received that copy or that check. I am out that money and Bank of America doesn't care. They have no way to get that to me except to say it was ordered. At this point I am out {$8200.00} and like I said Bank of America has no option for me to get my check or my money. They refuse to just give me a copy of the check even though it shows in my account history or credit me. I forgot to mention, when I took the three actual checks into the branch. The manager called someone at Bank of America and had them credit two of the checks for {$5000.00} each = {$10000.00}. The next day the same thing happened and Bank of America 's hyper sensitive fraud team blocked the check AGAIN!!!! I had to drive again back to the bank and the manager had to take the hold/block off the check again and reprimand the people who are in charge of reviewing fraud holds as they blocked even her deposit. This is bank fraud. They benefit by earning interest on the monies as they claim it's merely for " my '' protection. I'm sure they are flagging millions of dollars of money that is valid and in some way shape or form earning interest on it or trading it.

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 2024-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MD

Complaint narrative:
On Tuesday, XX/XX/year>, I received several notification via text stating that the Cash App accounts for my personal use and for my business had been terminated due to violations of their terms of service. I reached out to Cash App support the same day to determine the reasoning for the account closure to which they responded and stated that it would take 60 business days to receive a response. On Saturday, XX/XX/year> ; I received an email from Cash App support which provided the same generic response that I in some way, shape, or form violated the terms of service without providing specifics on which terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: PA

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 explanation
Consumer complaint received 2024-06-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent an email to the XXXX XXXX, XXXX of Capital One, and was contacted by a representative regarding a late payment from XXXX. They informed me they are reporting accurately however this is grossly incorrect. Back in XXXX I contacted CapitalOne in advance to enter a forbearance for credit card payments due to XXXX XXXXXXXX and was approved. I should not have any missed payments as I was in forbearance during the time a late payment was reported. This late payment is in violation of 15 USC 1681s-2 ( F ) and should be updated to report as ON TIME and the XXXX XXXX Late removed. 

Additionally, as per the FCRA, I am entitled to dispute incomplete or inaccurate information on my credit report ( 15 U.S.C. 1681i ). Furthermore Capital One is reporting the date of delinquency inaccurately across all XXXX bureaus. I request that you conduct a thorough investigation into this late payment to verify its accuracy. If this late payment can not be verified, it should be promptly removed from my credit report as stipulated by the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). The FCRA grants me the right to request the method of verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

I would like to also note that I have been banking with Capital One since XXXX and out of my XXXX credit cards with them, I no other late payments, including during XXXX. 

Enclosed please find communication from Capital One verifying my forbearance in XXXX and noting my due date for the next payment would be XX/XX/XXXX. I would like swift and immediate action to correcting this as inaccurately reporting on my credit report has disproportionately impacted my financial stability over the past XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
They violated my privacy rights by sharing with non affiliated companies I want to opt out from sharing my non public information.

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 2024-06-22 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: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that It is reflecting a balance. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy I do not owe a balance to this company. ( XXXX XXXX XXXXXXXX ) Please investigate and provide Proof with statements showing that the balance was never paid.. If proof can't be provided I demand this account be updated to reflect current and paid, or removed 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 explanation
Consumer complaint received 2024-06-22 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: TX

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 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 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 explanation
Consumer complaint received 2024-06-22 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: AZ

Complaint narrative:
I am submitting in response to the recent investigation. I disagree with your findings and request complete accuracy. I am not convinced that sufficient efforts were made to contact the creditor reporting this information. Therefore, I am requesting more details regarding this specific account : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX request immediate verification of the payment history and status of this account. Your records do not match mine, and I believe the reported information is incorrect. I have consistently made timely payments and have never been late on this account. I demand a thorough investigation and swift correction of any discrepancies to ensure legal and accurate reporting. As stipulated under the Fair Credit Reporting Act ( 15 U.S.C. Section 1681i ), please reinvestigate and update this disputed account. Additionally, provide me with the names and addresses of the individuals you contacted. You have fifteen ( 15 ) days from receipt of this letter to complete these actions as per 15 U.S.C. Section 1681i ( 5 ) ( A ), unless you notify me otherwise. Failure to verify within this period constitutes non-verification, and the accounts must be promptly updated in accordance with Section 1681i ( a ).

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 2024-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Dear XXXX of TransUnion In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
XXXX XXXX account with account # XXXX, has violated my rights. 

I believe that this information is inaccurate and does not belong on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request that you investigate this matter and correct any errors. 

Please note that under 15 U.S.C. 1681e ( b ) of the FCRA, credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of information in a consumer 's credit report. I request that you investigate this matter and take the necessary steps to correct my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 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. 

Furthermore, I would like to request that you provide me with the following information. Under Section 611 of the FCRA, you are required to provide me with this information within XXXX days of receiving this letter. I would appreciate it if you could send me a written confirmation of the receipt of this letter, along with a timeline of when I can expect the corrections to be made. 

Thank you for your prompt attention to this matter. Sincerely, 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 2024-06-22 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: PA

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2024-06-22 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: PA

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX : # XXXXXXXX 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 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Kohls was one of my credit cards with the longest credit history since XXXX and kohls closed it negatively effecting my credit history while building my credit after bankruptcy in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: PA

Complaint narrative:
I have been using MoneyLion for roughly a year and a half now. I like it for Its XXXX Feature and thats where all the good things end. Ive only had XXXX loans. My first XXXX were OK no issues. But then my third loan was paid out late. I had to call customer service numerous times for them to escalate it so that I get paid out on it. And all they could do is escalate it, they had no communication with anyone who actually worked on the case itself : Figuring out what held my loan from being paid back to me, and why it was on hold in the first place were questions they refused to answer. I didnt really care afterwards after my XXXX loan because I got my money. However, I didnt Expect them to not pay me at all for my XXXX and last loan. I was told that I would be paid my loan by XX/XX/XXXX, and its now been over a month since Ive paid off my loan and they havent released my funds from my credit reserve within their financial app. Customer service is XXXX. Their customer service reps are even more XXXX. No matter how many times I called back got a new rep or even got The same rep. All they could do was escalate My situation. Every time I ask for a supervisor, they could only do as much as the person who answered the phone the first time. Anyways, After having XXXX supervisors escalate the situation, I was ONLY reached by email by a customer advocate who is supposed to help, but told me the exact same thing as everybody else. Which was there was an investigation going on or there was something in the system causing an error ; the same excuse, different person.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-22 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:
I reviewed my Consumer Reports and noticed that It is reflecting a balance. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy I do not owe a balance to this company. ( XXXX XXXX XXXXXXXX ) Please investigate and provide Proof with statements showing that the balance was never paid.. If proof can't be provided I demand this account be updated to reflect current and paid, or removed 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 2024-06-22 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:
I reviewed my Consumer Reports and noticed that It is reflecting a balance. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy I do not owe a balance to this company. ( XXXX XXXX XXXXXXXX ) Please investigate and provide Proof with statements showing that the balance was never paid.. If proof can't be provided I demand this account be updated to reflect current and paid, or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: AZ

Complaint narrative:
Thank you for removing some of the erroneous information from my file. However, there are still items that need to be addressed. According to FCRA Section 605, you must remove any items listed in an ID Theft Report. Here is the Identity Theft Report # XXXX. Per FCRA Section 605B ( a ) ( 1 ) ( 2 ), you are required to remove any inaccurate credit file entries within four business days upon receiving : ( 1 ) Appropriate proof of my identity ; and ( 2 ) A copy of the identity theft report. The following items need to be removed : Experian XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2400.00} XXXX  XX/XX/XXXX. Please note that you have four business days to remove these erroneous entries. I do not consent to XXXX or any automated verification methods.

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 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have had a XXXX  card since XXXX and have never missed a payment. In XX/XX/XXXX I was a victim of Identity fraud at my bank XXXX I had to close my acct and open a new acct with my bank. XXXX was one of my many auto payments through my bank acct. as I have several I could not remember all my auto payments and since my bank closed my old acct I could no longer view my old activity. So I figured I would get notified of a payment failing from XXXX  like many of my other creditors did. I did not recieve any notifications either through email, text, or mail that I missed a payment. I went to XXXX  in may to find out my card was declined. I called XXXX  card services and they stated my card acct is closed due to XXXX  30 day late payments in a row. I explained the Fraud that had happened to me, and told them I have not been notified about any failed payments or late payments. they also could not provide me with any proof they had sent me any notifications.

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