vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-26 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: NM

Complaint narrative:
In accordance to the Fair Credit Reporting act, these accounts have violated my rights XXXX XXXX XXXX Date Last Active is inaccurate XXXXXXXX XXXX XXXX Date Last Active is inaccurate XXXX XXXX XXXX Date Last Active is inaccurate 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 2022-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Good afternoon Capital One, I applied for the XXXX loan and was award in XXXX and XXXX. I called my bank before receiving the bank to see if it would be affect by the loan. He advice a business acct because i don't have a branch bank in my area. Everything was fine, I did payroll transfer and they tell me to call. They said they were doing an investigation. I send in tax returns, and docs showing my business was registered with the state of Georgia. I never received a response bank, i called a lady and she said they had a third party and they said that my biasness did not deserve the loan. This has been going on for a whole year. The loan went into default and that I will be penalized. I will not be able to file for any type of government assistance. I hired a lawyer and they have not respond to my lawyer. They don't know what is going on. 

***As I have reached out to XXXX XXXX XXXX to inquire about my XXXX that was awarded to my business that is a sole proprietor that I established in XXXX and turned into the a XXXX after revenue increased in XX/XX/XXXX. I did file taxes for my XXXX XXXX business in XXXX and XXXX so I don't know where your records are coming from as I stated before all business docs ( bank statements and tax records and contracts ) was sent and reviewed by lender which is XXXX XXXX  and XXXX and everything was approved by them that why I, XXXX XXXX signed a promissory note that was also signed and agreed by XXXX XXXX and XXXX. As I stated before this has been a long stressful year dealing with you guys especially being that Capital One is not my lender I have reached out to everyone to FDIC, OCC, XXXX  XXXX XXXX and XXXX and as well as XXXX XXXX. There was no fraud found on either of my business and have not been any communication sent to the lender nor XXXX on my loan being fraud. XXXX XXXX does not do XXXX XXXX Letters and did not received an communications with the XXXX weeks timeframe on the disbursement of my XXXX that was sent out as a sole proprietor. I need the funds to released for XXXX from XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Someone has illegally obtained my personal information and has been trying to gain access to credit, I now have several accounts and inquiries that were fraudulent done without my consent and now reporting to my credit report on all 3 major reporting credit bureaus these inquiries have significantly dropped my score and negatively affecting my putting me in a financial hardship they need to be deleted as they were not authorized and illegal without my consent

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 2022-07-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: The Bureaus, Inc.
State: MD

Complaint narrative:
I have been trying to reach the collection agency handling the majority of my store card debts. The Bureaus INC. They never answer the phone and i am attempting to resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: AZ

Complaint narrative:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXXXXXX 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

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 2022-07-26 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: CA

Complaint narrative:
Collection verification letter response to your recent claim that the account ( s ) listed below have been verified and that the information they are reporting under my name is accurate. 
( 1 ) XXXX XXXXXXXX with account number XXXX | ( 2 ) XXXX XXXX with account number XXXX XXXXSee attached document

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 2022-07-26 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: TN

Complaint narrative:
Dear CFPB, thank you for addressing my concerns. I have tried my best to correct errors on my credit report, through certified mails, they say they have done one thing, yet they are doing the opposite. Everything they are doing is not in conjunction with one another reports when they say they verified. For example XXXX stated they verified accounts of my student loans the same time that TransUnion verified. TransUnion deleted all of those accounts, at least they sent me proof, I checked today and they are still present on my report ( proof will be attached that they said they deleted ). XXXX stated they verified the accounts are correct, I sent them proof of TransUnion results, they still have not deleted and therefore by one verifying and deleting, that makes the other dishonest. Also, I provided a Hippa Violation of a Collection agency that sent me information on my treatment without a HIPPA release attached, direct HIPPA violation, I sent to both, nether have remove. Please can you seek corrections of these credit reporting agencies, they are destroying my life. My credit report was a XXXX, XXXX and with the same items, every payment of mines paid on time, nothing late, and now I was just dropped XXXX points today, but before then even more cause my score is now a XXXX, a total destruction of me accomplishing anything. It time to pursue other actions against these reporting Bureaus so for starters again, I am coming to your organization for help. Some of the documented proof is attached, so very much, wanted to send something to have as a reference.These credit reporting agencies sadly to say is targeting certain cultures to ensure they accomplish nothing. I have perfect paying records and according to what they are reporting with the scores they say the computers are giving is as if I pay nothing on time, all my Credit cards are on time, my car payments, my student loans has never been late and is current. Thank you for your time.

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 2022-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have been actively speaking with people for over two years trying to resolve this issue I have Recently spoken with XXXX in the fraud department for XXXX because I have sent in FTC reports, as well as police reports proving these accounts are fraudulent and I have yet to get a fair resolution it has been well over 90 days since i have spoken with XXXX and all of these accounts have inaccurate information, its unverifiable, and they are also violating 15 U.S. code 1692g ( 4 ) validation of debt ; 15 U.S. code 1681 ( b ) they are violating plenty of my consumer rights. XXXX and XXXX have worked quickly to remove the accounts, only XXXX have not removed the fraudulent accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022 I was on line with Wells Fargo through my online account. They advertised balance transfers at 0 % for 18 months. I transferred {$11000.00} on XX/XX/XXXX. When I received my credit card statement the interest rate was 25.49 %. See attached.

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 2022-07-26 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: AZ

Complaint narrative:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
Previous Address ( es ) : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 Account Number Date Opened Last Activity Original Creditor Status Type High Balance Unpaid Balance Highest Adverse Rating Most Recent Adverse Rating XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Open Individual {$4800.00} {$4800.00} Collection/Charge-off Comments Collection/Charge-off Placed For Collection Account Number Date Opened Last Activity Original Creditor XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Status Open Type Individual High Balance {$840.00} Unpaid Balance {$840.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Placed For Collection Collection Agency XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Collection/Charge-off Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXS Status Open Type Individual High Balance {$2000.00} Unpaid Balance {$2000.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating No Data Available Comments Consumer Disputes This Account Information, Medical Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Account Number XXXX Account Status Open Date Last Activity Type XXXX XXXX XXXX XX/XX/XXXX Days Late Month 's Reviewed Term Source Type High Balance High Credit XXXX Open XX/XX/XXXX XXXX XXXX Credit Card Individual XXXX XXXX Provided {$590.00} {$590.00} Creditor Information XXXX po box XXXX XXXX, XXXX XXXXXXXX In accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2022-07-26 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: Atlanticus Services Corporation
State: CT

Complaint narrative:
I had previously filed a complaint on Fortivia to the CFPB your file # XXXX. The company that they are providing financing for XXXX XXXX XXXX, their client did work without licenses, inspections or permits. They are aware that the contract that they are trying to collect on is void. I contacted them on XXXX XXXX letter. Fortivia has failed to remove this amount from my credit and close the account They were notified last year that the card was opened under fraudulent conditions and fortivia has refused to do their due dilligence to relive me from this debt.Fortivia and XXXX XXXX XXXX  are being investigated by State of Ct Dept of Attorney General XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 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. 
Equifax and XXXX Credit bureaus are currently reporting a duplicate time barred account with inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened inaccurate, Last reported date is inaccurate, Date of Last Activity is inaccurate, missing data and a Collection/Charge-off reporting a balance. XXXX recently deleted this account based on the lack of ability to properly verify all reported information being accurate. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Equifax is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been a homeowner for over 20  years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate 3. Please remove all previous employers and add my current employer XXXX XXXX, XXXX, FL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: TN

Complaint narrative:
I have asked for signed contracts that show my signature validating my XXXX debt. Transunion and XXXX have not been able to do so but continue to report it on my credit report. I want to see a signed contract or please delete.

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 2022-07-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was receiving unemployment Edd and was given an account through BofA. I wasnt aware that there is 2 different ways to sign in to the prepaid website by BofA. One is the app that was encouraged to use and the official website from a desk top. Both of these sights require a Member Id and password for the same account, you have to create different sign ins for 1 account. Anyways I could never sign in well after all was Done with Edd account someone told me to create a different login name and I would be able to see my account. Well thats when I was able to view my account completely, well there are a ton of charges I never did. I questioned a teller at my local BofA to explain to her what I was dealing with that there was tons of charges I didnt do. XXXX the employee of BofA informed me to go home look at and print out my account detail.. well I printed this information out and highlighted every charge that wasnt mine and contacted the bank. She told me they would look into it and let me know in the next week our so. It took 33 days before someone finally would address the issue and this was Verbally on the phone with me hounding them. They said it was deemed not to be foul play and that I waited to long to bring this to there attention and I wouldnt receive anything. Clearly I know where I spend my money and so know I just loose out on money that is rightfully mine.. I dont believe that they should have multiple ways to sign into one account that require different passwords for that same one account. Plus the app only goes back so far so if I looked at it and didnt see that there to be weird activity then why would I be alarmed but there was hanky activity that I just happened to miss when I signed in. All I want is for them atleast investigate and return the funds that are rightfully mine but nobody at BofA would help me with this. I would just like to have whats rightfully mine returned to me..

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 2022-07-26 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: NM

Complaint narrative:
In accordance to the Fair Credit Reporting act, these accounts have violated my rights XXXX XXXX information is inaccurate XXXX XXXX XXXXXXXX information is inaccurate XXXXXXXX XXXX XXXX information is inaccurate 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 non-monetary relief
Consumer complaint received 2022-07-26 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: CA

Complaint narrative:
( 1 ). I was looking over my credit report recently and found a bankruptcy and am requesting you verify the accuracy of this entry. If verification is not possible, the entry must be removed immediately. | *USBK COURT NORTHERN CALIFORNIA XXXX # XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX, ( XXXX ) XXXX ( 2 ). This letter is in response to your recent claim that the account ( s ) listed below have been verified and that the information they are reporting under my name is accurate. 
XXXX XXXX XXXX with account number XXXX _____ *See attached documents :

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 2022-07-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I contacted Experian about several unauthorized inquiries on my credit report. On XX/XX/2022, XXXX XXXX XXXX fraudulently obtained a credit report on me resulting in a fraudulent inquiry on my credit report. I also have a fraudulent inquiry, XXXX on XX/XX/2022 and XXXX XXXX XXXX on XX/XX/2022. I was told by each of those companies to contact Experian and file a fraudulent inquiry complaint. These inquiries are fraudulent and I want them removed

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