vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-01 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:
After checking my most recent consumer report I noticed some late payments continuing to show to on my consumer report from XXXX XXXX XXXX. 
15 USC 1681a ( 2 ) ( a ) ( i ) ( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The law above CLEARLY states the consumer report DOES NOT INCLUDE transactions or experiences. Transactions, when broken down, is transactional history. Late payments are a form of transactional history. 
Your company is in clear violation of 15 USC 1681a ( 2 ) ( a ) ( i ) as explained above and 15 USC 1681b ( a ) ( 2 ). 15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates. I did not give this company WRITTEN INSTRUCTIONS to furnish ANYTHING to my consumer report, let alone LATE PAYMENTS! Delete the late payments listed above from my consumer report IMMEDIATELY! Failure to complete the task of deleting the late payments from the above-mentioned accounts will result multiple violations of 15 USC 1681 and all of its subsections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1604a section 2, it also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX {$27.00} XXXX XXXX {$39.00} XXXX XXXX {$40.00} XXXX XXXX {$39.00} XXXX XXXX {$27.00} XXXX XXXX {$25.00} XXXX XXXX {$39.00} XXXX XXXX {$28.00} XXXX XXXX {$25.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My Wells Fargo checking, and savings accounts were diminished suddenly and without warning, while I and my attorney representatives were in negotiations with Wells Fargo 's attorneys, XXXX and XXXX. They drained all monies {$3700.00} at the time from my checking account with no notice and {$1300.00} from my savings account at the same time with no notice. 


Please also see this : The Federal Reserve Board 's Regulation Z, Section 1026.12 ( d ) ( 1 ) : " General rule. A card issuer may not take any action, either before or after termination of credit card privileges, to offset a cardholder 's indebtedness arising from a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer. '' I never signed anything, electronically or otherwise, regarding a Deposit Account Agreement. I do not recall signing/initialing any portion of a Deposit Account Agreement. 

Since this has happened my account has gone negative, payments scheduled, have been declined and now late, mortgage payment has been declined, due to all of my funds removed without notice on XX/XX/2023.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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 fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. Other violations of my rights include violations of 15 usc 1681 section 602a, 15 usc 1681 section 602a, 15 usc 1681 section 604a section 2, 15 usc 1681s-2 a 1, 15 usc 1681c a 5, 15 usc 1681 section 604 & 602. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete these accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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:
The interest charges from the fraud claim were not all reimbursed. They started accruing in XXXX and I only paid my balance minus the fraud charge and interest associated with not paying my balance in full like I do every month. I called them to ask for the credit of {$100.00} that they still haven't paid and got an email denying my request. So please help me. Thanks. ( I've been a Bank of America customer since 1994! ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: CA

Complaint narrative:
My employer performed a background check via the company XXXX during XX/XX/2023. XXXX incorrectly flagged a XXXX in my criminal history, presumably due to XXXX court records for someone with the same name. When I submitted a dispute with their support team, they responded that they'd " confirmed the accuracy of their report ''. I followed up requesting assistance for further dispute and how to provide evidence that the criminal history was not mine, they did not respond. They also did not respond to my followup email. I attempted multiple times to contact their support team via phone, but was left on hold for 3 hours before being automatically disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: DE

Complaint narrative:
trans union is reporting inquires that i do not recognize please remove now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
CREDENCE RESOURCE MANAGE Account : for {$1300.00}, In accordance with the Fair Credit Reporting act. This account 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 an account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. I am not liable for this debt with CREDENCE RESOURCE MANAGE and do not have a contract with CREDENCE RESOURCE MANAGE They did not provide me with the original contract/application as I requested. This company has affected my lively hood with this derogatory reporting and has caused a hardship on my personal and professional life. I have submitted several disputes and CREDENCE RESOURCE MANAGE continues to report negative information on my credit report. Please remove these accounts as soon as possible. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
XX/XX/2022 sent in letter to have automatic payment setup was not executed per my request. 
XXXX did not apply payments and did not setup the auto pay. 
spoke with XXXX in XXXX, got the form from him, and set it in to the company directly. 
They could not make a payment plan after making exactly 1/3 payment of total bill. 
Had to call in to make that payment. 
The card services you call into is in XXXX, and they do not understand when you explain the problem to them. 
They are not interested in helping to resolve the issue and will continue to report to credit companies as past due even with it being their error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: LEXISNEXIS
State: CA

Complaint narrative:
I am writing this complaint to LEXISNEXIS. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I was scammed by a subscription service that required payment prior to accessing the service. It started around XXXX XXXX XXXX  and I was charged for the service until about XXXX. I was scammed by XXXX  and the scam was mishandled by my financial institution, Capital One. I provided my payment info and proceeded to try to use the service. That is when I was given the message that I have " no active subscription ''. But, my card was still charged by the company, not once, but TWICE per month for a subscription that I was never actually given access to. I was unable to " cancel '' the subscription since the account did not reflect me having one. Yet, I was still being charged for service I was not receiving. I reached out to the email provided by their website and never received a response from the company. 
I attempted to file a dispute with my bank so that I could be refunded. My claim was denied not once, but THREE separate times. I explained the situation each time to whatever representative I got on the phone and I was told that they understood the problem and I just had to wait for the claim to be approved. I even emailed them screenshots with proof of not having any access to their service. After the 30 day waiting period, I received a notification from Capital One telling me that the claim had been denied on the grounds that I agreed to the terms and conditions provided by the seller. I would call my bank back and explain each time that the terms and conditions do not cover customers being overcharged for a service that they are not receiving. Each time I was told by the representative that they understood and were unsure of why it was denied. Only to wait 30 days and have them deny my claim again. I was charged {$56.00} for services that were then withheld from me. I found their XXXX page which actually has another review of a customer with a very similar complaint. 
There is no reason my claim should have been denied the first time since this is an obvious fraud, much less being in favor of the scammer THREE separate times. The explanation that " I agreed to the terms and conditions '' does not even address the problem mentioned in my claim, that I was being charged for services that I was not receiving access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my credit card account for no reason today, and that they said they can do so without telling me why, as that's in the their contract. I have researched far and wide and find the major reasons that credit card companies can close your account include : inactivity, suspect fraud, not paying payments, and worsening credit situation. There has not been any mention of credit card closing for reasons for other than the above mentioned. I have excellent credit, paid on time, not inactive, nor were there any suspicious activities. I would like, at the minimum, that the bank give a reason as to why my account is closed. This seems like a fraud to me, at least in terms of advertising from the card issuer in the sense they find that since I'm someone who pay my card in full, and therefore unlikely to contribute to much profits to the bank, and chose to close the account by invoking a never heard of clause of supposedly a term that I have agreed to that they can close my account without a reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
I received a phone call from a representative of Columbia Debt Recovery LLC DBA Genesis on XXXX regarding an alleged debt. I mailed a very informative letter the same day that I have reason to believe I do not owe this debt because I was wrongfully charged for moving out fees. 
I requested all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in North Carolina. 

Because I wrote to them within 30 days of being notified by your company about this debt, they should have ceased attempting to collect this alleged debt until after they provided the requested information. Instead they reported it to my credit 20 days later. Reporting information that is known to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting By reporting the debt they were in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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:
Paid off XXXX XXXX on XX/XX/2021 - received a letter from XXXX XXXX stating that my acccount has been paid off in full with a {$0.00} remaining balance. XXXX has been reporting that I have a balance on account that is constantly changing. No other charges have been made since the account was paid off. Every time I call to dispute and ask why, they tell me they will clear out the balance and all should be taken care of - and then the next month I will receive another statement with some sort of balance. This has been going on for over a year and has affected my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Theyve been taking my state tax refund and I wasnt properly notified before they started taking it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: AZ

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, these federal laws are Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act XXXX, equifax, XXXX have serval different reports please INVESTIGATE PLEASE immediately there is wrong information please remove immediately these accounts this will be last time

Company response to consumer: Closed with explanation