vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital One -Account # XXXX A charge off is considered a certificate of indebtedness which means it is income and must be removed. Account XXXX I recently came across information related to charged-off amounts and their implications under the Internal Revenue Service ( IRS ) regulations . According to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. In light of this information, I kindly request Capital one & the CFPB 's assistance in reviewing the status of the charged-off amount associated with my account. 

IRS Publication 4681 Cat. No. 51508F Chapter 1

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WITH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. I WOULD LIKE THIS IMMEDIETELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE. 

XXXX XXXX XXXX XXXX XXXX - CHARGE OFF LAST ACTIVITY XX/XX/XXXX ( CERTIFICATE OF INDEBTNESS ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} ( NOT THE SAME WITH OTHER BUREAUS, INACURATE MUST BE DELETED ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCOME CANT BE REPORTED. 

EQUIFAX, 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 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 IS A CERTIFICATE OF INDEBTNESS. INCOME CANT BE REPORTED. 


IN ACCORDANCE with the fair credit reporting act. public law 91-506. title VI, section611. provide the names and business addresses of each individual with whom you verified above so that i may follow up. please send me an updated copy of my credit report after your investigation.

Reporting inconsistent balances across bureaus date of first delinquency illegally being changed privacy act of 1974 this is a voilation 15 U.S.C.CODE 1681B every company must have written consent to confirm everything is accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 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: TX

Complaint narrative:
I AM IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WITH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. I WOULD LIKE THIS IMMEDIETELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX CHARGE OFF LAST ACTIVITY XX/XX/XXXX ( CERTIFICATE OF INDEBTNESS ) XXXX XXXX CHARGEOFF ( CERTIFICATE OF INDEBTNESS ) XXXX XXXX XXXX CHARGE OFF LAST ACTIVITY XX/XX/XXXXXXXX XXXX XXXX {$14000.00} ( NOT THE SAME WITH OTHER BUREAUS, INACURATE MUST BE DELETED ) XXXX XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX XXXX CHARGE OFF IS A XXXX XXXX XXXX XXXX INCOME CANT BE REPORTED. 

XXXX, XXXXXXXX XXXX XXXX CHARGE OFF LAST ACTIVITY XX/XX/XXXX ( CERTIFICATE OF INDEBTNESS ) XXXX XXXX XXXX {$15000.00} ( NOT THE SAME WITH OTHER BUREAUS, INACURATE MUST BE DELETED ) -XXXX XXXX LAST ACTIVITY XX/XX/XXXX THIS IS INACTIVE MUST BE DELETED. ( CERTIFICATE OF INDEBTNESS ) XXXX XXXX XXXX XXXX XXXX {$970.00} EXPERIAN, XXXXXXXX XXXX XXXXXXXX XXXX XXXX OFF ( LAST ACTIVITY XX/XX/XXXX. XXXX BUT OPEN DATE IS XXXX XXXX. XXXX ) XXXX XXXX XXXX {$15000.00} ( NOT THE SAME WITH OTHER BUREAUS, INACURATE MUST BE DELETED ) XXXX XXXX LAST ACTIVE XX/XX/XXXX BUT OPEN DATE IS XX/XX/XXXX THIS IS INACTIVE MUST BE DELETED. 
XXXX XXXXXXXX LAST ACTIVE XX/XX/XXXX BUT OPEN DATE XX/XX/XXXX, THIS IS INACTIVE MUST BE DELETED. 
XXXX XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX XXXX IS A CERTIFICATE OF INDEBTNESS. INCOME CANT BE REPORTED. 


IN ACCORDANCE with the fair credit reporting act. public law 91-506. title VI, section611. provide the names and business addresses of each individual with whom you verified above so that i may follow up. please send me an updated copy of my credit report after your investigation.

Reporting inconsistent balances across bureaus date of first delinquency illegally being changed privacy act of 1974 this is a voilation 15 U.S.C.CODE 1681B every company must have written consent to confirm everything is accurate.

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 2024-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I get calls before I even wake up. It's stressful and makes my day difficult.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was never late on my XXXX XXXX XXXX XXXX XXXXXXXX # XXXX The months that's stating I'm late is XX/XX/2023, 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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was never late on my XXXX XXXX XXXX XXXX  XXXX # XXXX The months that's stating I'm late is XX/XX/2023, XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
The state of Michigan sent out checks after a state law was passed last XXXX that expanded Michigan 's Earned Income Tax Credit from 6 percent to 30 percent of the federal tax credit. Writer received the check on XX/XX/24 in the amount of XXXX. Writer went to JP Morgan Chase to reopen checking account and deposit the check from the State of Michigan because the check issuing bank for the state was JP Morgan Chase. After successfully reopening the account, on XX/XX/24 writer was sent a email stating the account was locked and given a number to call to verify identity and to prevent fraud. Writer called the number given and was told by a customer representative that the account would be closed based off the bank 's decision. Allow 7-10 days for the bank to send remaining balance in a cashier 's check. On XX/XX/24 writer reached out to the bank regarding the remaining balance in the account. After speaking with the supervisor, writer was told that the check could not be verified and that the funds were going to be suspended. Writer asked why couldn't the check be verified when the check was sent from the state of Michigan with the issuing bank being JP Morgan Chase. Writer was then asked to provide a number for verification because the supervisor and colleague were unable to locate a number for verification. After almost 2 hours on the phone trying to get a resolution, writer was abruptly disconnected with no answers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 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: NC

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. 

Account Name XXXX XXXX  : Account XXXX Account Name XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 XX/XX/2023 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2024-03-23 00:00:00
Product: Credit reporting 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:
Im aware that a charge off is considered a certificate of indebtedness which means it is income and therefore, eligible for removal from the records.. In light of this information and seeing as in multiple credit reporting agencies are reporting this under my account, I would like to kindly request assistance in reviewing this information due to the implications of a charge off under the Internal Revenue Services ( IRS ) IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. Im requesting an investigation based on my TransUnion and XXXX credit report information showing a charged off debt from XXXX XXXX XXXX reported on XXXX XXXX for the amount of {$23000.00}.

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 non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America charged me an unauthorized/hidden/illicit fee of {$320.00}, and even many branch managers at Bank of America empathized with me that consumers are being mistreated, and I am being charged this fee of {$320.00} illicitly on XX/XX/2023. 

Furthermore, particular associates in Bank of America, such as XXXX XXXX and XXXX XXXX, said they were only directed to convey information, even if there was misinformation and disinformation, since they were doing their jobs at Bank of America. Consumers know that they are afraid of losing their jobs and doing the right thing since it was directed by unknown individuals at Bank of America to carry out these illicit/hidden fees to hoodwink consumers.

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 2024-03-23 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: GA

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. 

Account Name : XXXX  Account Number : XXXX Account Name : Untitled Account Number : XXXX Account Name : XXXX  Account NumberXXXX Account Name XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 cr
imes which antedates the report by more than seven years.

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

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 2024-03-23 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: GA

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 


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 oth
er adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2024-03-23 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: National Credit Systems,Inc.
State: LA

Complaint narrative:
As of recently I have been going through my credit report to build my business credit and I noticed several inaccuracies on my account. These accounts are hurting my ability to obtain business credit. It is to my knowledge that your company will investigate the item for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate : XXXX : 1 ). Name : XXXX Account # XXXX {$0.00} 2 ). Name : XXXX XXXX XXXX Account # XXXX {$XXXX.00} 3 ). Name : XXXX XXXX Account XXXX XXXX XXXX : 1 ). Name : XXXX Account # XXXX 2 ). Name : XXXX XXXX Account XXXX XXXX XXXX : XXXX ). Name : XXXX XXXX XXXX Account # XXXX 2 ). Name : XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
Avant customer service contact me at the end of XX/XX/2024 and told me that there were some fraudulent attempts to use my card in XXXX. She said that they closed the card and would be sending me another one. At the time she ordered me a new card I updated my address with Avant. On XX/XX/XXXX I had not received a new card from Avant yet so I sent them an email to their customer service email address with the account reference number following up on the card status. I didn't hear anything. When I logged back in on the XXXX of XXXX I noticed that they had sent a payment to my account for the full amount of the balance which I had not authorized. They had also set up automatic payments for the full amount moving forward. Something I had never done and not authorized. Today when I logged in to follow up on the missing card. I was told that I owed a {$7.00} balance and my upcoming bill. I made a {$40.00} payment which was anything outstanding and the minimum payment due by XX/XX/XXXX the statement day. It took 30 mins for the customer service to update my address. Then she refused to send me a new card because she said that they needed a bill or a document with my new address on it. I refused to do this. # 1 because I updated my address with the person who claimed there was fraud on my card in XXXX. XXXX. I followed up with an email from my email address that they have on file and the account reference number the account produces inside the account on XX/XX/XXXX inquiring about my card and I included my new address a second time. It's already bizarre that customer can't update their addresses through the web portal. It's more frustrating that I followed their instructions both calling in XXXX and updating my address once they got the fraud alert and emailing them on XX/XX/2024 with no response. It's been almost 2 months and I don't have a new card and I have mail forwarding. I haven't received anything from them and I just moved 1 street over.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Can you update my address and name on my credit profile.

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 2024-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
When I signed the loan I was if any accidents or damages or death would be covered under the the insurance policy coverage provided now being called about payment when asked about coverage nothing was provided

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
On Tuesday XX/XX/year> I tried to access funds in the amount of {$10.00}. The pin used was correct and the transaction was blocked. The second attempt it was blocked again. So I tried to move the entire balance off the Cash App APP and I was told that my account was suspended due to suspicious activity. I contacted the Cash App customer service and was transfered to 3 different representatives. The last stated " We've escalated your case and our team is working hard to resolve your issue. For reference, your previous case number is XXXX and XXXX. 

Although I don't have an update to provide at this time, our team will send you a response when we have more info. '' Since then I have reached out almost every day and they have held my funds without cause. I've told them the transaction attempts were me and authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I originally had a dispute with XXXX XXXX XXXX whereby I developed an XXXX and has to see a Specialist to clean it up. I made numerous attempts to settle, and they ignored my emails and letters. As of XX/XX/year> my unpaid balance was {$1300.00} ( I have the document ). On XX/XX/year>, Bull City Financial Solutions, sent me a demand for payment in the amount of {$44000.00}. I called them and spoke with XXXX on XX/XX/year>. I told him that I have a very recent invoice for {$1300.00} and the amount was wrong. He told me that the amount is correct and that was the amount sent by XXXX. I asked for support such as dates of service and amounts. He said there was none, just an amount. He showed no interest that there is a gross mistake. I immediately called ECU and spoke with XXXX XXXX, she denied the {$44000.00} and told me that the outstanding balance to date is {$1300.00} on XX/XX/year>. I looked up reviews on XXXX  and XXXX. Bull City has scammed many people. I also noticed that my credit rating recently dropped from XXXX to XXXX. My credit rating has always been exceptional. In short, I realized that I am being defrauded and scammed by the Bull City Fianacial Solutions. My dispute of {$1300.00} is over fairly minor dental services by a student dentist not a heart transplant. They should be investigated and forced to produce evidence supporting their {$44000.00} demand for payment.

Company response to consumer: Closed with explanation