vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received an email stating that my debit card is no longer working and they sent me a new one then I called the company and customer service verbally told me the company no longer wants to affiliate with me I asked them the reasons why they said they couldn't tell me possibly something to do with fraud and I had to call this number I called a number and they said the same thing that customer service told me and that remaining funds that were in my account would be mailed out I've waited days I haven't received anything that has put me into a situation paying my bills and getting to work.

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 2022-11-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Activehours
State: CT

Complaint narrative:
I have a total of {$340.00} to pay back from the app due tomorrow. The website says they have email and chat support. The app says they have email and chat support. On Monday XX/XX/XXXX I emailed their support team and requested to move the payment from XX/XX/XXXX to XXXX and the auto reply I received back instantly explained there will be a delay in the response, please chat with us if you do not receive a reply in 24-48 hours. I followed-up today with a request to the chat group in the app and they are telling me there is nothing they can do when they failed to follow-up to my first TIMELY email request. The supervisor tried to explain that their support email is no longer offered which is why no one followed-up in time. They are being deceiving because the email does not say that, nor does the website and app advise that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
XXXX XXXX from the Customer Authentication Department within XXXX XXXX XXXX  " If you believe you were a victim of identity theft that resulted in the inquiry and there is additional documentation, such as a copy of a police report, or a fraud or identity theft affidavit, please contact us at XXXX ( we accept relay calls ) ... '' When the number was called, options beyond faxing or printing ( not personally available to the consumer ) were not available. As such, the identity theft documentation is attached. 

The context is as follows : There is a new inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  without being able to verify my identity, that is, without my explicit permission nor having any other permissible purpose to do so. A copy of an example of a recent illegitimate hard inquiry performed by XXXX XXXX ( on XX/XX/2022 ) is attached for your reference.

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 2022-11-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX | XXXX XXXX NA 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.

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 2022-11-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX | XXXX XXXX NA 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I never missed a deadline on these accounts. I never miss a payment on a loan. This is a mistaken report, in my opinion. Please amend the report 's error and check the following account.

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 2022-11-16 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: U.S. BANCORP
State: DC

Complaint narrative:
XXXX XXXX from the XXXX XXXX Department within Elan Financial Services " If you believe you were a victim of identity theft that resulted in the inquiry and there is additional documentation, such as a copy of a police report, or a fraud or identity theft affidavit, please contact us at XXXX ( we accept relay calls ) ... '' When the number was called, options beyond faxing or printing ( not personally available to the consumer ) were not available. As such, the identity theft documentation is attached. 

The context is as follows : There is a new inquiry from ELAN FINANCIAL on XX/XX/2022. The one on XX/XX/2022 was authorized and resulted in an account opening. The one from XX/XX/2022 is unauthorized and was unlawfully performed. ELAN FINANCIAL Location XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Type Individual Requested On XX/XX/2022, XX/XX/2022 Phone XXXX XXXX XXXX XXXXXXXX I received a letter in the mail dated XX/XX/2022, with a reference ID of XXXX indicating Elan Financial Services pulled my credit report ( on XX/XX/2022 ) without being able to verify my identity, that is, without my explicit permission nor having any other permissible purpose to do so. A copy of an example of a recent illegitimate hard inquiry performed by Elan Financial ( on XX/XX/2022 ) is attached for your reference.

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 2022-11-16 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: AL

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

Account name : XXXX. XXXX XXXXXXXX XXXX XXXX Account nameXXXX. XXXX XXXX XXXX Account nameXXXX. XXXX XXXX XXXX XXXXXXXX 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 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 2022-11-16 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: TX

Complaint narrative:
There are fraudulent accounts in my report, I have reported it to the bureaus, but I did not see receive any response. The accounts are damaging my credit and limiting my ability to obtain XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: FL

Complaint narrative:
There are multiple fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent inquiries and they're still reporting on my credit report. 
I'm reaching out regarding these inquiries and for assistance to remove these inquiries from my credit report 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 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
This account has not been updated in a long time, 6 months, and are showing higher balances that what is update to date and is affecting you mortgage application. I have a XXXX balance and the creditor does not report accurately to credit bureaus. 

Creditor : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
On XXXX XXXX I sent a Certificate letter XXXX to open a dispute in Transunion LLC for a account that does not belong to me XXXX. The FAIR CREDIT ACT REQUIRES TO VERIFY THE VALIDATION OF THE ITEMS WITHING 30 DAYS. They took 120 days to investigate my dispute!!! XXXX XX/XX/XXXX XXXX I receive the results of that investigation, according to Transunion XXXX You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. -VERIFIED AS REPORTED " even though I sent them a copy of my XXXX consumer report ( XXXX ). I contacted XXXX and indeed they do not have any public records in my reports, in addition they do not have any request for information from Transunion LLC asking for the verification of the account that I am disputing. I am concerned that Transunion LLC is not taking seriously this dispute that I have been with them for so long and it is seriously affecting my borrowing levels. They violate the FAIR CREDIT ACT 30 DAYS VIOLATION. Copy of the certificate letter and copy of my XXXX risk 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 2022-11-16 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2022-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I opened a prepaid credit card with Capital One on XXXX by making a {$200.00} deposit. I have never used this card. In early XXXX I called Capital One Customer Service and requested that my account be closed and my deposit refunded to me. I received a confirmation letter from Capital One dated XX/XX/XXXX confirming the account closure and stating that my deposit would be refunded after 2 complete billing cycles. Billing for the account was the XXXX of each month I believe. In late XXXX I called Capital One to follow up on my deposit refund. I was told that I should see it mailed to me around the first week of XXXX. The check has still not arrived. I again contacted Capital One by phone on XX/XX/XXXX. I first spoke with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After some while she told me that I would need to speak with a supervisor. After quite a while on hold I was connected with XXXX XXXX XXXX XXXX XXXXXXXX. This woman verified once again all of my information, including my birthdate, and put me on hold multiple times. At one point she claimed that a check was mailed to me on XX/XX/XXXX. This was the first person to claim a check had been mailed. I have a secure locking mailbox and have not to my knowledge experienced " lost mail '' in decades. She continued to insist that I remain on hold. The total minutes of my call was 59 minutes. Probably 90 % of the time I was put on hold. I finally told the supervisor that she had all the information needed to process the return of my deposit and that I could not remain on hold any longer. 
As of today 's date, XX/XX/XXXX, I have not received my deposit back from Capital One. I am requesting help from this XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

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 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/2022 We found XXXX change to your Equifax credit report XXXX Credit score XXXX points since XX/XX/2022 Account Removed XXXX XXXX XXXX account removed from your file Between XX/XX/2022 and XX/XX/2022, your account account with XXXX XXXX XXXX was removed from your credit report. 
Since this account is no longer on your credit report, its details won't be factored into your credit score. Accounts can sometimes be removed due to things like disputes and reporting errors. 


There absolutely NO reason this should have been removed from my account! I was told that this was a mistake on the behalf of Equifax. This has basically thrown my life off track because I lost XXXX points that I worked very hard for and no one understands me telling them that this is an error. Someone anyone please help me out immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have a judgement from the XXXX XXXX XXXX XXXX XXXX that I did not know about. They received a default judgement in XXXX for a loan that defaulted before XXXX. They pulled a wage garnishment from my employer for a loan that has tripled because of post judgement legal rate interest. I was not serviced and was not able to defend myself. 
This debt was signed in Virginia and I was sued in Maryland.

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 2022-11-16 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: NJ

Complaint narrative:
There is a credit card in my name under XXXX XXXX under account # XXXX. Upon reviewing my credit report last year I seen this account on my credit report and I contacted the company and they advised it was paid and charged off. I SPECIFALLY asked would this be deleted being it was paid off and I was advised that it would be a pay to delete however, I today was told today ( ( XX/XX/2022 ) that it was incorrect 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 explanation
Consumer complaint received 2022-11-16 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: IL

Complaint narrative:
I sent a letter on XXXX XXXX to XXXX. here is my tracking XXXX However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

according to law 15 u.s. code 1681a definition : rule of construction The term investigate consumer report '' means a consumer report or port thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.however, such information shall not include specific factual information an a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16 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: IL

Complaint narrative:
I sent a letter on XXXX XXXX to Experian. here is my tracking XXXX However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

according to law 15 u.s. code 1681a definition : rule of construction The term investigate consumer report '' means a consumer report or port thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.however, such information shall not include specific factual information an a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation