vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I opened an account two months. The bank has denied service. It first sent checks to an incorrect address. Virtual every time I've tried to use my debit card, it is blocked. I've been stranded without gas or stuck at groceries numerous times. The bank denied doing this, and has said that the card was really just being declined. I submitted a dispute two weeks ago. The bank has refused to process the dispute. The customer service representative refused to provide answers as to why. After contacting a bank branch, the employee demanded my social security number and then refused service. I've sustained severe damages, due to this banks negligence.

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 2022-10-05 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: CarMax, Inc.
State: OR

Complaint narrative:
I paid off my car loan early with a cashier 's check from XXXX that was deposited by CarMax to their XXXX XXXX account. CarMax is unwilling to credit my account or resolve this issue. Now they are negatively reporting to credit agencies. I've provided XXXX with the deposited cashier 's check ; however, they are unwilling to remove the negative remark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Experian Information Solutions Inc.
State: NV

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 XXXX XXXX XXXX JEWELERS XXXX 15 USC 1692C ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( XXXX ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt And they need to show COURT PROOF

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 2022-10-05 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: CA

Complaint narrative:
I have tried numerous of time trying to get TranUnion, XXXX and XXXX to remove incorrect Bankruptcy information off my credit report. I have contacted the US bankruptcy court and XXXX XXXX and both stated they do not provide public information. XXXX XXXX has removed the incorrect entry from my XXXX XXXX report. I am attaching all the notices sent to the credit reporting agencies. Each agency states that they verified the bankruptcy with XXXX XXXX but XXXX XXXX states that they cant verify the bankruptcy and removed it from there file. Can you please help with getting this remove from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05 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: CA

Complaint narrative:
I have tried numerous of time trying to get XXXX, XXXX and Equifax to remove incorrect Bankruptcy information off my credit report. I have contacted the US bankruptcy court and XXXX XXXX and both stated they do not provide public information. XXXX XXXX has removed the incorrect entry from my XXXX  XXXX  report. I am attaching all the notices sent to the credit reporting agencies. Each agency states that they verified the bankruptcy with XXXX XXXX but XXXX XXXX states that they cant verify the bankruptcy and removed it from there file. Can you please help with getting this remove from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: Experian Information Solutions Inc.
State: MD

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

15 USC 1681 Section 602 States I have the right to privacy.

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

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.

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 2022-10-05 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: CA

Complaint narrative:
XXXX XXXX  XXXX account # ( XXXX ) has violated my rights under FDCPA 15 U.S.C 1692g 809 ( a ) by failing to sending me, the consumer, notice of debt within 5 days of initial contact. 

XXXX XXXX XXXX  ( XXXX ) has further violated my rights under FDCPA 15 U.S.C 1692e 807 ( 8 ) by failing to communicate that the debt was disputed. 

Equifax has also violated my rights under FCRA 15 U.S.C 1681s-2 623 ( a ) ( 3 ) by failing to provide notice of dispute after closing my dispute and after 30 days required by the FCRA. 

I will attach documents that provide proof of these violations. Documents will include the day this account was disputed, the date the dispute was closed, and a credit report 30 days after dispute was submitted. I demand that both companies permanently remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One credit card paid off as soon as I got unemployment from the Covid epidemic Capital One Sold my debt apparently according to credit report Also this was all during Covid epidemic

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have contacted SYNCB on behalf of a Lowes credit card, because they are reporting to the credit card agencies saying that I have a balance over {$5800.00}. I sent them letters to have them prove to me that I have singed a contract with them. They told me I was an authorized user on this account I asked them to remove me from this account as a authorized user. I haven't heard anything from them. They purposely have harmed me, cost me higher interest rates and have cost me in POSTAL MAIL RETURN RECEIPT CARDS for proof of mailings. 

This is the POSTAL ARTICLE NUMBER sent to SYNCB asking them to remove me. 
1. ) 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 2022-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I had a checking account open with Bank of America that my sister and I would use to store funds for my parents as they're both retired. In XX/XX/2022, we were notified by mail that this account is now closed, without any valid explanation, and that there was an investigation. 

There was more than {$3500.00} in that account. 

I called multiple times and couldn't get any clarity on why the account was frozen or how I would receive the funds. All I'm told is that there's an investigation and that I should expect the funds to be mailed within 30 days, but we're easily past the 60 day mark at this point and the funds are still frozen. 

This has caused a major headache and financial strain for my family as these funds were used for daily essentials and bills.

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 2022-10-05 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: NC

Complaint narrative:
On XX/XX/2022 I sent a letters to Equifax, XXXX and XXXX disputing an inaccurate late payment that was on my credit report. I asked that the erroneous item be verified and validated. I was informed by each Credit Reporting Agency that they had completed their investigations and none of them were able to verify the information, however the 30 Day late is still showing on all of my credit reports even though they were unable to verify its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I paid off my car loan early with a cashier 's check from XXXX that was deposited by XXXX to their XXXX XXXX account. XXXX is unwilling to credit my account or resolve this issue. Now they are negatively reporting to credit agencies. I've provided Experian with the deposited cashier 's check ; however, they are unwilling to remove the negative remark on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
My cousin XXXX XXXX stole my identity back in 2015 and I was made aware because she tried to use my name during a traffic stop I was advised by the police IMPD to get a finger print card and carry it with me. Shortly after I would say 6 months I started seeing things on my credit report that I never had in my possession. After a long disputing process I got everything thing removed due to fraud. Now after thinking it was over I started getting garnished by a company for a loan I never got. I never received any court dates or any hearing notices because they were sending them to my old address. Even after they got the garnishment approved via my job and received my new address they still havent sent any paperwork to my current address and its on file but the company is garnishing my checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX credit card paid off as soon as I got unemployment from the Covid epidemic XXXX XXXXXXXX Sold my debt apparently according to credit report Also this was all during Covid epidemic

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 2022-10-05 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: MD

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

15 USC 1681 Section 602 States I have the right to privacy.

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

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
On today XX/XX/22 My card was charged over {$250.00} in fraudulent charges by a company called XXXX and when I contacted the card company they told me I had to wait for the charges to settle in order to investigate but that even if I dispute the charges there was no guarantee I would be credited or reimbursed The XXXX company has no contact information and is based out of XXXX I tried contacting a support email address I found via internet and got no response I would like these charges disputed and my funds returned

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: Consumer Portfolio Services, Inc.
State: TN

Complaint narrative:
On XX/XX/2022 consumer portfolio pulled my credit report without my knowledge or approval

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: 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. 

Here are XXXX XXXX that I didn't authorized : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX For Equifax please remove XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 USC 1681 Section 602 A- States I have the right to privacy. 15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( XXXX ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: FL

Complaint narrative:
On XX/XX/XXXX I sent out letters certified mail to each credit reporting agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and everything as accurate. 

This is false because there are numbers of inaccuracies and inquiries on my consumer report that still remain. 

XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. These late payments need to be removed because XXXX is reporting me being 30 days late in XX/XX/XXXX but XXXX and TransUnion are reporting I paid on time. 
XXXX XXXX Account Number : XXXX XXXX. These late payments need to be removed because XXXX is reporting me being 30 days late in XX/XX/XXXX but XXXX and TransUnion are reporting I paid on time. 
XXXX XXXX XXXX Account Number : XXXX XXXX. I am disputing this account for inaccurate information because you are reporting the date of the last activity incorrectly. XXXX is reporting the date of last activity as XX/XX/XXXX while Transunion is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. 
XXXX XXXX Account XXXX : XXXX XXXX. This charge-off is past the statute of limitations in my state of Florida for them to legally collect from me. Since they can not legally collect from me, having a past due balance is inaccurate and illegally reporting since charge-offs can not have a past due balance. 
XXXX XXXX Account XXXX : XXXX They have failed to perform a proper investigation pursuant to 15 usc 1681 ( a ) ( XXXX ) ( XXXX ). 

I am now requesting the description of the reinvestigation procedure pursuant to 15 usc 1681i ( XXXX ). They have 15 days to respond the description or else above listed accounts need to be removed from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent out letters certified mail to each credit reporting agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and everything as accurate. 

This is false because there are numbers of inaccuracies and inquiries on my consumer report that still remain. 

1. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX Date of inquiry : XX/XX/XXXX 2. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX Date of inquiry : XX/XX/XXXX 3. These late payments need to be removed because XXXX is reporting me being 30 days late in XX/XX/XXXX but Experian and XXXX are reporting I paid on time. 
XXXX  XXXX Account Number : XXXX 4. These late payments need to be removed because XXXX is reporting me being 30 days late in XX/XX/XXXX but Experian and XXXX are reporting I paid on time. 
XXXX XXXX XXXX  Account Number : XXXX 5. I am disputing this account for inaccurate information because you are reporting the date of the last activity incorrectly. XXXX is reporting the date of last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and Experian is reporting XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. 
XXXX XXXX Account XXXX : XXXX 6. This charge-off is past the statute of limitations in my state of Florida for them to legally collect from me. Since they can not legally collect from me, having a past due balance is inaccurate and illegally reporting since charge-offs can not have a past due balance. 
XXXX XXXX Account XXXX : XXXX They have failed to perform a proper investigation pursuant to 15 usc 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the reinvestigation procedure pursuant to 15 usc 1681i ( 7 ). They have 15 days to respond the description or else above listed accounts need to be removed from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Block, Inc.
State: MI

Complaint narrative:
After pay has violated my Federally Protected rights I under the FDCPA. After pay is collecting on an alleged debt that is not I am responsible nor obligated for pursuant to 15 U.S.C. 1692a-3

Company response to consumer: Closed with explanation