vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-20 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: FL

Complaint narrative:
REF XXXX - XXXX, XXXX AND EXPERIAN DID NOT FIX THE REPORTING OF ACCOUNT ( XXXX XXXX XXXX XXXX XXXX MULTIPLE ATTEMPTS I HAVE SUBMITTED OVER A 12-MONTH PERIOD AND THE ACCOUNT IS STILL INCORRECTLY REPORTING. 

THIS IS AN FCRA VIOLATION, THE ACCOUNT MUST BE REMOVED. 

PAYMENT HISTORY VERSUS WHEN THE ACCOUNT WAS OPEN. SHOWS NO PAYMENTS BEING MADE. THE DELINQUENCY DATES ARE ALSO INCORRECT.

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 2023-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avid Acceptance, LLC
State: IA

Complaint narrative:
The account that Avid Acceptance is identified as a repossession, yet they continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. I have the right to an accurate credit file and discrepancies like this are unacceptable. Pleas immediately remove this account on its entirety from my credit file. 

A monthly payment should not exist after a repossession has occurred. 

{$15.00}

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 explanation
Consumer complaint received 2023-08-20 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: VA

Complaint narrative:
I have an Auto Loan through XXXX XXXX and have noticed inaccurate late payment reporting 's on my credit report. Upon finding these discrepancies I immediately disputed the late payments through the credit bureaus individually that reported incorrectly and no correction was made. Per section 312 of the Fair and Accurate Credit Transaction Act it is required by law to issue guidelines for furnishers regarding the accuracy and integrity of the information about consumers furnished to consumer reporting agencies ; prescribe regulations requiring furnishers to establish reasonable polices/procedures to implement the guidelines ; and issue regulations identifying the circumstances where a furnisher must reinvestigate a dispute about the accuracy of information in a consumer report based on a direct request from consumer. Furthermore, my rights were violated after requesting an investigation to rectify these inaccurate reporting 's and no changes were made. 
Listed below are the following incorrect reporting 's listed on my credit report that need to be corrected to appear as On Time Payments. 

XXXX XXXX ( 30 Days Late ) XX/XX/XXXX ( 30 Days Late ) XXXX XXXX ( 30 Days Late ) XX/XX/XXXX ( 30 days Late ) XX/XX/XXXX ( 30 Days Late ) XXXX XXXX ( 30 Days Late ) XX/XX/XXXX ( 30 Days Late ) XX/XX/XXXX ( No Data )

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 2023-08-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was never given my cash back bonus of {$600.00} after spending {$4.00} XXXX dollars within 3 months. And massive unauthorized fraud on my account which bank of America is refusing toacknowledged. Collection agency are constantly calling me and Boa puts me on hold never to pick back up after telling them about 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 monetary relief
Consumer complaint received 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2023, an auto collision occurred where the XXXX XXXX was declared as a total loss by XXXX XXXX XXXX. The Loan was paid off within 30 days by XXXX and information was sent to XXXX, Transunion, and XXXX. The total loss was {$140000.00} The credit bureaus are reporting the auto loan as opened, with a balance, and a 30-day late for the month of XXXX. {$65000.00} The amount that is reported, when the loan should report as Closed/ Paid-Off/ XXXX Balance.

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 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2023, an auto collision occurred where the XXXX XXXX was declared as a total loss by XXXX XXXX XXXX. The Loan was paid off within 30 days by XXXX and information was sent to Equifax, XXXX, and XXXX. The total loss was {$140000.00} The credit bureaus are reporting the auto loan as opened, with a balance, and a 30-day late for the month of XXXX. {$65000.00} The amount that is reported, when the loan should report as Closed/ Paid-Off/ XXXX Balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Was contacted by a person impersonating a law enforcement official, Sergeant XXXX XXXX of the XXXX XXXX Sheriffs Office. He told me that I was held in contempt of court for not appearing as an expert witness for which I was officially subpoeaned on XX/XX/2023. This was a misdemeanor escalating to a felony and that if I did not get the documentation to appear ( subpoena ) I had to go to a law enforcement agency for signature verification and pay {$3100.00} for a insurity? bond and that it would be released back to me upon successful signature verification. I was given instructions to conduct transaction via XXXX and the recepient would appear as a " XXXX XXXX '' ( an officer in the XXXX Sheriffs office ). Upon conducting the transaction, I was told that it was not received and that I needed to try again at which point my husband alerted me that he received email from Wells Fargo regarding the XXXX transaction and that it was most likely a scam. I was on a trip out of town when this happened and was told that the felony conviction would lead to arrest and that I would be unable to travel back home as I would not be able to get past TSA at the airport. In a state of panic, I conducted this transaction. My husband literally called Wells Fargo within minutes and explained the circumstances and to try to chargeback/block the pending transaction. He was told to have me call to file complaint as we are joint holders on this checking account but that I was the victim and needed to answer the appropriate questions. We had a XXXXree way call and they filed a case and provided a case # XXXX. Was advised that I would receive an email confirming filing of case and to expect a response within 10 days. I felt that they could have tried to stop this in real time as we contacted them while transaction was still showing as pending and could have been more proactive. I have yet to receive the email confirming filing of 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 2023-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I rented a hotel room through XXXX at the XXXX XXXX in XXXX XXXXXXXX. I paid {$110.00} for the one night stay with my Cash App card ( backed by FDIC ) and was not allowed to check in. After multiple emails, visits to the hotel management ( if they even deserve to be called that ). I disputed the transaction twice with CashAppXXXX XXXX  immediately on XX/XX/XXXX and then again in Early XX/XX/XXXX when I still hadnt heard any explanation for my very legitimate dispute of my purchase that I paid for but did not receive the goods or services for. I received a chat response from CashApp stating that my dispute was denied ( almost 60 days after the 10 day limit they have ) and would not provide any documentation or explanation as to why. Almost 90 days later, I still do not have any documentation to why they denied to give me my funds back for something I paid for and did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am trying to send this to capital one but my phone is overdue now that I dont have any money in my account there so that is a hardship. 

I am locked out of my email. Someone is fighting me changing the passwords along with me. 
My card is lost. 

XX/XX/XXXX XXXX Purchase - {$1100.00} XX/XX/XXXX XXXX XXXX - {$1300.00} XX/XX/XXXX XXXX XXXX - {$2400.00} I've started using this card less and checking it less but I was going to send the money to my brokerage to buy stocks then I see the money is not there and these 3 purchases are not anything to do with me. 

Thank you. Please find my {$5000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Consumer Adjustment Company Incorporated
State: IN

Complaint narrative:
CACI XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO. XXXX. 

Has refused to send me debt verification. 
I have ask. I will be going to small claims court. According to the fair credit I am entitled to compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 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: OH

Complaint narrative:
In XX/XX/2023, I disputed a debt of {$700.00} with Transunion asking XXXX XXXX XXXX  XXXX to verify the debt by providing an original signed contract. They did not respond within the 30 days deadline and did not provide requested verification but claim the debt is verified. According to 15 USC 1681i ( a ), the agencies are in violation of my rights.

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 2023-08-20 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:
I have disputed the following account : Account Name : XXXX XXXX XXXXXXXX Account number : # XXXX with XXXX XXXX XXXX, and Equifax on multiple occasions over several years. 

I have requested a re-investigation and verification of the account, but the agencies only respond with automated letters, failing to comply with the law and violating my consumer rights. However, they stated everything was complete and accurate, but how is that possible if the last date reported, date last activity, Status, date last payment and much more is inaccurate? 

How can explain that after being reported as a charge-off for several months, it suddenly now appears as a collection account. One agency reports one amount for the charge-off, while another agency reports a different amount. Also they do not report that the account is being disputed All these inaccuracies and violations limit my ability to obtain new credit cards, better interest rates, damage my personal finances, and currently prevent me from accessing the purchase of a home for my family. 

According to 15 USC 168 1i ( 5 ) they are supposed to modify or delete accounts that aren't reporting correctly.

Also, 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 USC 1681 SECTION 602 A. States I have the right to privacy.

15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 crimea which antedates the report by more than seven years.

15 USC 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 arent even in compliance with metro 2 credit reporting. I have evidence attached to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 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: FL

Complaint narrative:
I have disputed the following account : Account Name : XXXX XXXX XXXXXXXX Account number : # XXXX with XXXX XXXX Experian, and XXXX XXXX multiple occasions over several years. 

I have requested a re-investigation and verification of the account, but the agencies only respond with automated letters, failing to comply with the law and violating my consumer rights. However, they stated everything was complete and accurate, but how is that possible if the last date reported, date last activity, Status, date last payment and much more is inaccurate? 

How can explain that after being reported as a charge-off for several months, it suddenly now appears as a collection account. One agency reports one amount for the charge-off, while another agency reports a different amount. Also they do not report that the account is being disputed All these inaccuracies and violations limit my ability to obtain new credit cards, better interest rates, damage my personal finances, and currently prevent me from accessing the purchase of a home for my family.

According to 15 USC 168 1i ( 5 ) they are supposed to modify or delete accounts that aren't reporting correctly.

Also, 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 USC 1681 SECTION 602 A. States I have the right to privacy.

15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 crimea which antedates the report by more than seven years.

15 USC 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 arent even in compliance with metro 2 credit reporting. I have evidence attached 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 2023-08-20 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 — Problem with personal statement of dispute
Company: Ability Recovery Services, LLC
State: OH

Complaint narrative:
In XX/XX/2023, I disputed a debt of $ {$1400.00} with the three credit bureaus asking Ability Recovery Service to verify the debt by providing an original signed contract. They did not respond within the 30 days deadline but claim the debt is verified with all 3 credit bureaus. According to 15 USC 1681i ( a ), the agencies are in violation of my rights. In addition, XXXX was reporting a social security number that does not belong 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 monetary relief
Consumer complaint received 2023-08-20 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-08-20 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX checked his credit report XX/XX/2023, and found that a business reporting information against his credit file and doing business as Credit Collection Services is asserting that XXXX has an unpaid collection account and bill with a business known as XXXX XXXX XXXX contacted Credit Collection Services and discussed this matter with them. Credit Collection Services stated that in order to have the bill re-submitted to his health insurance provider it would be necessary for him to complete a form and attach his health insurance card so that it can be processed with updated health insurance information. XXXX complied and then got a packet in the mail with billing codes and other related matters to an alleged lab service. XXXX examined the packet and learned that the services were apparently rendered in XXXX XXXX, CA, a -lace where XXXX never had blood work performed. This is a fraudulent account if this blood lab was performed in XXXX XXXX, CA. If this is just how the bill is presented to the consumer for lab work that was performed elsewhere, but the paper work shows an alternate address, this bill is still not valid. It needs to be returned to the health care provider so that different XXXX codes can be provided so that the blood lab is covered by his health insurance. XXXX just encountered this same issue with a business XXXX XXXX and the codes were updated and the bill became much smaller ; roughly {$100.00}. Therefore this bill is either a fraudulent representation for a service he did not receive or there is a coding and billing issue which can be resolved.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 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: FL

Complaint narrative:
15 U.S.C 1681 Section 602 A state I have a right to privacy. 

15 U.S.C 1681 SECTION C MO CONSUMER REPORTING agency may make any of the following items of information and other adverse item information other then records of convictions of crimes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 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: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
In XX/XX/, I disputed a debt of {$980.00} with XXXX asking Spring Oaks Capital LLC to verify the debt by providing an original signed contract. They did not respond within the 30 days deadline and did not provide requested verification but claim the debt is verified. According to 15 USC 1681i ( a ), the agencies are in violation of my rights.

Company response to consumer: Closed with explanation