vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-13 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2023, I disputed a charge of {$150.00} - details below. Capital One sent a message to me that it was providing a provisional credit, an agent would review the dispute and contact the merchant, and would notify me of the merchant 's response. Capital One did NOT request any information from me, other than what I told Capital One when making the dispute. Today, XX/XX/XXXX, I received a letter dated XX/XX/XXXX from Capital One that it had " requested information from you. We have not received your response ''. It never contacted me for additional information. Nor has it notified me of the merchant 's response. In fact, it appears that Capital One did NOT contact the merchant about my dispute. But, rather Capital One CRIMINALLY and FRAUDULENTLY dismissed my dispute without ever investigating it. Capital One refuses to deal with me further and demands payment of the disputed charge. The dispute is that I notified the merchant, XXXX XXXX, on XX/XX/XXXX NOT to renew my policy on XX/XX/XXXX. It confirmed a non-renewal for the renewal date XX/XX/XXXX. Earlier on XX/XX/XXXX I cancelled Auto Pay. When I complained to XXXX about the unauthorized charge, XXXX confirmed in a saved chat that it would refund the charge within XXXX days and in the same form - credit card- as charged. Had Capital One actually contacted the merchant, XXXX would have disclosed this information and not contested my dispute. Capital One is STEALING {$150.00} from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My credit score dropped more than XXXX XXXX points due to a late payment in XXXX after having XXXX years of perfect credit. I called XXXX XXXX to figure out the cause. They said that there was one late payment in XXXX that made it drop. They directed me to call the bank and request to have it removed. I called Bank of America and they told me that I actually had 3 late payments. I told them that during those months, I had a XXXX XXXX, was graduating college, and moving out of my apartment. They told me that those were valid reasons to have those late payment reports removed. I checked my credit and it was still the same so I called XXXX XXXX and asked why my credit score was not restored. They said the bank had not removed them. I then called the bank who said they had in fact removed the payment off of my record. Since then, i have called both Bank of America and XXXX XXXX multiple times asking why my credit score has not been restored. Both companies tell me they are opening disputes to remove the charge and restore my credit and nothing has been done. My credit is still over XXXX XXXX points lower and I don't know who to call anymore to fix it or why the disputes are going nowhere.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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 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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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 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 non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Since making my complaint against Bank Of America and bad business practices, for neglecting my disputes and investigating my claims and acting in my best interest against offenders committing deceptive business practices. Bank of America has only completed XXXX claims and paid them out after forcing me to withdraw my claims or risk not having access to my funds for over 45 days. Please reference complaints XXXX, XXXX. My claims were only re-opened and settled after submitting complaints to the cdpb. I had to withdraw claims totaling over {$40000.00} and they have only settled XXXX claims totaling approx. {$14000.00}. I wish my cases to be published and be heard by as many people and bank members as possible to see what this bank is willing to do to its members just simply by not wanting to continue with a fraud investigation.

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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Email : XXXX Date : XX/XX/2023 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I filed a claim with Bank of America of potential fraud. After looking back into the account it was my error so I called to cancel the claim. They credited me four different transactions for the amount in question. {$79.00}, XXXX, XXXX and XXXX the very same day. Being that I cancelled the claim the debited the amounts back the very same day. Now on XX/XX/XXXX they debited the amount of {$79.00}, XXXX times under the same claim that was suppose to be cancelled. Which equals in the amount of {$940.00}. Now I have been missing that money for XXXX business days counting today and XXXX weekends. I've called several times and no answers. They give me the same story. We are looking into it. I have been with this bank since XXXX  and never had a problem until now. I just want it resolved and want my money back. It's obviously a bank error and they filed another claim under the same number reopening this claim. It was escalated XXXX XXXX  ago and when I called to see the progress they told it was never escalated.

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 2023-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank Of American has an account opened with my name, SSN & other Personal Documentation provided to them Fraudulently I have never opened an account with them

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 2023-11-13 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
I reviewed a copy of my credit report and and I noticed that I had XXXX late payments on an account that i was never late for consumer agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX XXXX. Please investigate and provide proof with statements showing that these payments were late. if proof cant be provided I demand these payments be updated to on time as the should be as i was never late thanks.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
There was an inquiry on my credit report ( XXXX ) from One Main Financial ( XXXX XXXX XXXX, XXXX, IN XXXX ) and ( XXXX ) from One Main Financial ( XXXX XXXX XXXX, XXXX, IN XXXX ) regarding a loan inquiry in which I never lawfully gave them permission to do a " Hard Inquiry ''. I want these inquiries removed from my credit report and One Main Financial to be responsible for this illegal action taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
XXXX " apparently '' verified that I have an unpaid debt and account abuse of XXXX ( XXXX ) checking acounts with them ACCOUNT ENDING IN XXXX, per what XXXX is stating Yet again, chexsystems have failed to provide me with a copy of any viable evidence submited by XXXX. Be advised that the descripton of the procedure used to determine the accuracy and completeness of the informaton is hereby requested, to be provided within fiteen ( 15 ) days of the completon of your re-investgaton. Additonally, please provide the name, address, and telephone number of each person contacted at usbank regarding this alleged account. I am formally requestng a copy of any documents provided by usbank, bearing my signature, showing that I have a legally binding contractual obligaton to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verificaton or validaton of any alleged debt and account abuse of a checking account ( s ). Be aware that I am making a final goodwill atempt to have you clear up this mater. The listed item is entrely inaccurate and incomplete and represents a very serious error in your reportng. Failure to comply with federal regulatons by credit reportng agencies are investgated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communicatons with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Atorney General 's office, should you contnue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non- compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims acton against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamaton 2. ) Negligent Enablement of Identty Fraud 3. ) Violaton of the Fair Credit Reportng see attached additional documents and information

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 2023-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Someone called me said they were my bank their phone number said it was my bank told me money from XXXX of my accounts were sent via XXXX to someone and I needed to create an account to XXXX the money back to me via a reversal transfer it was all a scam. XXXX told me to file a claim with my bank to get my money back which I did in person at the bank the bank XXXX Bank of America XXXX said that the chances of me getting my money back was slim to none. Now I see news articles that the banks are supposed to be refunding these monies. Apparently Bank of America knew that the scammers had their phone number but never notified their customers if this fact

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 2023-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Klarna AB
State: PA

Complaint narrative:
I attempted to make a purchase on XXXX website. It was advertised specifically, " Klarna : split your purchase into XXXX interest free payments. '' I did this and upon checkout was not given this option but other longer options with interest. So an account was created for me with Klarna. This seems to be a bait and switch scam. I have been injured by this as my credit score dropped as a direct result from opening this account. I realize that can happen when opening a new line of credit but I was tricked into opening an account that I was not allowed to use as advertised. I have contacted both XXXX and Klarna about this issue multiple times about this issue and they each keep referring me to the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: LA

Complaint narrative:
My Federal Student Loans recently changed servicer from Great Lakes to Nelnet. I was approved for EDRP with my current employer but the forms submitted were for Great Lakes. I have tried multiple emails, filling out their contact form on their website, calling them ( only to be on hold for 1.5+ hours and counting ), with NO help. 

I received XXXX response email from them on XXXX XXXX stating that they received my email request for information, and that they would reply in 15 to 20 days. It is currently XXXX XXXX as I submit this complaint and I have YET to hear any feedback from Nelnet. 

This is a complete nightmare as I am about to lose my EDRP qualification as a federal employee with the XXXX XXXX XXXX XXXX  which is helping ease the burden of student loan repayments. I don't know what to do or who to contact as I am being met with only dead ends and no communication from Nelnet!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
The car was supposed to be my name and my daughter they repossessed the car while I was as under the covid and unable to pay the 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 explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
XXXX XXXXXXXX ( Bank ) 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 non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting 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:
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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This has been a very long, painful process of trying to obtain numerous credit freezes on my credit reports, only to find out that the information that is listed on them, with all bureaus, is very inaccurate. I've never known who to talk to, especially when I tried years ago to reach out to the credit bureau and wasn't heard. There are addresses, companies, names, phone numbers, etc. That I don't know anything about and it's negatively impacting my credit scores across all the bureaus. I'm unable to get anything in my name. Recently, approximately XXXX week, I tried renting a rental car with XXXX. Much to my surprise, I couldn't because once again I was told that my credit score was too low.

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