vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank Of America XXXX XXXX For ATM withdrawals, and over drafting my account making me pay fees to bring account current. After being a customer for 13 years they closed my personal account for being hacked and not giving me a chance to refute the situation. These years cover XXXX to XXXX. I also have a business account that is currently overdraft with fees that hasnt been handled.

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 2023-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/2023, I made a purchase using my Bank of America card for {$83.00} on XXXX for what the seller advertised as " XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. The listing photos were poor quality and concealed key details that would have revealed the item is not the " XXXX XXXX XXXX XXXX XXXX '' vintage edition. In fact, using a quick XXXX search, I can see that the item I was sent can be purchased in dozens of places for as little as {$15.00}. When the item arrived and I saw that it was not as advertised, I requested a return. The seller denied my request for a return. I tried to get XXXX customer service involved, but the automated system automatically denied my return request as soon as I submitted it. I then disputed the charge with Bank of America. XXXX told Bank of America that the return request was approved but I never sent the item back to the seller. This is a lie the seller did not allow me to return the item! Bank of America then denied my claim/dispute. I called Bank of America customer service and have been on hold for over half an hour I can't get through to customer service to get help. I was scammed.

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 2023-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Previously filed a complaint with you regarding Capital One fraud attenmpt to collect {$7600.00} in fraudulent cash transfer claim. Referfernce CFPB # XXXX. 

I thought you had resolved this attempted action to tap my checking account for over {$7600.00}. Capital One issue me a new credit card in responds to my filing a complaint with you. I thought this card was cleared of the fraudulent transactions, only to find they flipped all the fraudulent transactions on to this card. they used this cards number to access my XXXX XXXX checking account for a payment in XX/XX/2023. XXXX XXXX took this payment back. They again went into my checking account in XX/XX/2023 using a Walmart " Merchant '' number and took out more money, which XXXX XXXX took back. 
XXXX XXXX advised me to close the checking account I've had for over 20 years as they can not stop Capital One from using the " Walmart Merchant '' numbers to access my account, as they have thousands of them. 

XXXX XXXX continued to harass me by posting false claims regarding this issue on every Credit Bureau service. Destroying my credit rating, that before Capital One attempts at Bank Robbery was over XXXX, and now in in the low XXXX. 

To add further harassment, they have turned over this fraudulent claim to a collection bureau, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN XXXX. 

I am XXXX, sick and need your help!!! Please Stop Capital One NOW! They shouldn't even be allowed in this country! They obviously are breaking the law in attacking my bank account and credit report repeatedly. XXXX XXXX has never received a cash transfer from Capital One to my checking account. For ANY amount. Not {$5200.00}, Nor {$2400.00}. These amounts were NEVER posted to my XXXX XXXX accounts!!!!!! AS I reported to you previously. 

Also do something about them ruining my credit. Is this against the law? It should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 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: 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX 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 suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-15 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: EQUIFAX, INC.
State: FL

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, Dept of ED/XXXX : # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXXXXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX Account # XXXX, Dept of ED/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 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 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried on numerous occassions to dispute information regarding my mortgage being part of a bankruptcy as I have never filed for bankruptcy. There are 2 mortgage accounts showing up and I have only had 1 home loan. This has messed my credit up along with the rest of my life as I have not been able to be approved for credit and other positive services. The bankruptcies appear as of XX/XX/2022 and XX/XX/2022 the month that I actually sold my house.

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 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried on numerous occassions to dispute information regarding my mortgage being part of a bankruptcy as I have never filed for bankruptcy. There are 2 mortgage accounts showing up and I have only had 1 home loan. This has messed my credit up along with the rest of my life as I have not been able to be approved for credit and other positive services. The bankruptcies appear as of XX/XX/2022 and XX/XX/2022 the month that I actually sold my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried on numerous occassions to dispute information regarding my mortgage being part of a bankruptcy as I have never filed for bankruptcy. There are 2 mortgage accounts showing up and I have only had 1 home loan. This has messed my credit up along with the rest of my life as I have not been able to be approved for credit and other positive services. The bankruptcies appear as of XX/XX/2022 and XX/XX/2022 the month that I actually sold my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information below is what I found on my credit report that is not mine. I demand the accounts below be removed from my credit report immediately! 

XXXX XX/XX/XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX {$41000.00} XXXX XX/XX/XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX {$540.00}

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 non-monetary relief
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information below is what I found on my credit report that is not mine. I demand the accounts below be removed from my credit report immediately! 

XXXX XXXX XXXX XXXX  {$940.00} XXXX XXXX XXXX XXXX XXXX {$41000.00} XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX {$540.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 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: LA

Complaint narrative:
Attached is a copy of my consumer report with displaying several inaccuracies on my consumer report that are violations of several sections of the FCRA the items are as follows XXXX XXXX : The XXXX XXXX reported differs significantly. 

Account last verified inaccurate Date of Last Activity : The date of last activity is reported differently across all three credit reporting agencies Date Reported : The date reported also exhibits inconsistencies. 

Balance reported as {$6900.00} how is there a balance owed on a charged off account? As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt as gross income. The IRS clearly states charge off as income the reporting of this account is inaccurate. 

1. FCRA Section 611 ( a ) ( 1 ) ( A ) : The requirement to provide accurate and complete information to credit reporting agencies.

2. FCRA Section 623 ( a ) ( 1 ) ( A ) : The requirement to promptly update and correct inaccurate or incomplete information.

3. FCRA Section 623 ( a ) ( 5 ) : The requirement to maintain and follow reasonable procedures to ensure the maximum possible accuracy of consumer information.

15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-07-15 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: LA

Complaint narrative:
Attached is a copy of my consumer report with displaying several inaccuracies on my consumer report that are violations of several sections of the FCRA the items are as follows High Balance : The high balance reported differs significantly.

Account last verified inaccurate Date of Last Activity : The date of last activity is reported differently across all three credit reporting agencies Date Reported : The date reported also exhibits inconsistencies.

Balance reported as {$6900.00} how is there a balance owed on a charged off account? As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt as gross income. The IRS clearly states charge off as income the reporting of this account is inaccurate. 

1. FCRA Section 611 ( a ) ( 1 ) ( A ) : The requirement to provide accurate and complete information to credit reporting agencies.

2. FCRA Section 623 ( a ) ( 1 ) ( A ) : The requirement to promptly update and correct inaccurate or incomplete information.

3. FCRA Section 623 ( a ) ( 5 ) : The requirement to maintain and follow reasonable procedures to ensure the maximum possible accuracy of consumer information.

15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: TN

Complaint narrative:
I have recently pulled my credit and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. 

I asked for proof that I owed this debt to your agency and you are the original creditor, buying accounts for pennies on a dollar in hopes to collect the amount not owed to you is against FCRA regulations. The company Aldous & Associates is located in XXXX, UT therefore ; how are you legally able to collect a debt in my state, and I'm not notified of the debt or the exchange of debt that I had no knowledge of?

.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
This is the third complaint against Ally financial they most recently unlawfully repossessed my vehicle, and evidence that I have shows that they were premeditated in doing this months before actually performing the repossession with clear intent to defraud me because once they took my vehicle, they still trying to collect a debt of nearly 3/4 of the debt, which was owed on the retail installment contract when I was in possession of the vehicle, and had made two separate payments to pay the vehicle in full, including the last payment, which was in the form of a check for which I received the check back with a clear indication that Ally financial had deposited the check into their account, and had received for credit prior to repossessing my vehicle

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 2023-07-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I and my ex-husband leased a XXXX XXXX XXXX back in XXXX XX/XX/XXXX. My ex-husband had a major accident with this vehicle in XXXX, XXXX. We had the major repairs done to restore this vehicle as close to new as possible. even before the accident, this said vehicle was stalling in traffic every-so-often. I went back to the dealership repeatedly and came within one more time to fall under the XXXX. Lemon Law! Meanwhile, we paid 24 months @ {$440.00} payments = {$10.00}, XXXX out of {$17000.00} leased value. I was so very upset due to going to the dealership so many times that in XXXX XXXX of XXXX, I left the vehicle at the dealership and purchased a XXXX XXXX XXXX. CHRYSLER FINANCIAL, XXXX XXXX XXXX, XXXX, XXXX ACCT # XXXX, PHONE # XXXX decided to put a Judgement against us for the total amount of {$17000.00} for LIFE!!! i TRIED TO CONTACT THEM INITIALLY AND XXXX-CHRYLER through the years to discuss this issue without them negotiating any resolution. I was told that if a vehicle is left at the dealership, then it is sold at auction!!! I want to know how it is legal to have a judgement against me and why is it the full amount of {$17000.00} instead of less than {$10.00}, XXXX??????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Good afternoon, and I believe I was charged excessive late payment fees and denied cash back rewards. Also, my card has been inactive for about 2 years now and I am still paying a excessively high interest rate while paying off the balance. My payment history has been good overall with just a few incidents.

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 2023-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Someone open account in my name online and its on my credit report they never allowed me to open the 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 explanation
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On my credit report it says that I lived in XXXX XXXXXXXX XXXX and I have never lived in that state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On my credit report it says that I lived in XXXX XXXXXXXX XXXX and I have never lived in that state.

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 2023-07-15 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: IL

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. 

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 explanation