vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I XXXX XXXX had State Of Maryland XXXX send over my back payments to Bank Of America XXXX XXXX. The Bank Of America XXXX XXXX XXXX. Did not send me my money to my address on a debit card, because I was evicted from the address since XX/XX/year>. Bank Of America verified this claim and paid a partial amount that XXXX Of Maryland had given them in a whole under XXXX account number ending in XXXX for Claim XXXX amount XXXX was a part of XXXX other claims that they botch together and not approved release. As they approved release of funds from the same account. They then implied they issued funds on different cards after confirmation with me I never received the first card. They held onto XXXX claim for XXXX account XXXX and XXXX account XXXX XXXX account XXXX They gave me XXXX after they botch XXXX to another account that is from same account ending in XXXX account number with prepaid service. Which they have not paid me XXXX claim number XXXX and also amount for XXXX was also XXXX together and not paid. The Bank Of America has been Filed previously sued like this in the past and was fine for fraud intentions after not finding. Please contact Bank Of America at XXXX My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX is current address. They have sent and I received partial payment from my claim after they separate the same claim number after they approved release of part and not whole amount from account ending in 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 monetary relief
Consumer complaint received 2024-05-19 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 DO NOT consent to any automated scan response or e- Oscar verification methods. 

I reached out to all three credit bureaus Transunion, XXXX, and XXXX to dispute incorrect and invalidated reports provided by XXXX XXXX XXXX XXXX. All 3 returned as validated but provide no evidence after a re-investigation. There is conflicting information shown on the 3 separate accounts This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 

There are still the following months missing data : XXXX XXXX have no information and XXXX XX/XX/XXXX show " No Data. '' There is charge off then th4e account was brought current then charged off again for the same account. The account showed positive status after charge and then many incorrect negative statuses followed by more charge offs. This is impossible. This would be a violation of Tax law, Metric reporting requirements, and my federal rights. 


One one reporting account there is an account ending in XXXX and an account with a different account number. Both are being reported as my account. This is impossible. 

Further, XXXX, Transunion and XXXX continue to violate my rights by not providing specfic information requested to document a bona fide dispute process. Also, by engaging in stalling tactics by requesting identifaction information, even when the information was submitted with the complaint. These agenices have also sent multiple communications to the contact information provide in the past. If there was a legitimate process, this false inaccuracies would not continue to appear on my report. 

All Bureaus continue to report missing, incomplete and inaccurate data reported monthly. There are several months missing whole data and information. XXXX reports incorrect payment history that reflects incorrect late payments. XXXX, Transunion, and XXXX do not list payment history and records before XXXX. This does not constitute as a complete report. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I requested your credit bureau to initiate an investigation and to validate this information more than 4 times. This information was not validated. This information has greatly impacted my ability to qualify for other opportunities and I have been denied opportunities because XXXX, transunion and XXXX refuse to remove incomplete, inaccurate information., I demand this innaccurate and incomplete report be removed from my credit profile immediately or federal litigation will be sought pursuant to FCRA violations.

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 2024-05-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I DO NOT consent to any automated scan response or e- Oscar verification methods. 

I reached out to all three credit bureaus XXXX, XXXX, and Equifax to dispute incorrect and invalidated reports provided by XXXX XXXX XXXX XXXX. All 3 returned as validated but provide no evidence after a re-investigation. There is conflicting information shown on the 3 separate accounts This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 

There are still the following months missing data : XXXX XXXX have no information and XXXX XX/XX/XXXX show " No Data. '' There is charge off then th4e account was brought current then charged off again for the same account. The account showed positive status after charge and then many incorrect negative statuses followed by more charge offs. This is impossible. This would be a violation of Tax law, Metric reporting requirements, and my federal rights. 


One one reporting account there is an account ending in XXXX and an account with a different account number. Both are being reported as my account. This is impossible. 

Further, XXXX, XXXX and equifax continue to violate my rights by not providing specfic information requested to document a bona fide dispute process. Also, by engaging in stalling tactics by requesting identifaction information, even when the information was submitted with the complaint. These agenices have also sent multiple communications to the contact information provide in the past. If there was a legitimate process, this false inaccuracies would not continue to appear on my report. 

All Bureaus continue to report missing, incomplete and inaccurate data reported monthly. There are several months missing whole data and information. XXXX reports incorrect payment history that reflects incorrect late payments. XXXX, XXXX, and equifax do not list payment history and records before XXXX. This does not constitute as a complete report. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I requested your credit bureau to initiate an investigation and to validate this information more than 4 times. This information was not validated. This information has greatly impacted my ability to qualify for other opportunities and I have been denied opportunities because XXXX, XXXX and equifax refuse to remove incomplete, inaccurate information., I demand this innaccurate and incomplete report be removed from my credit profile immediately or federal litigation will be sought pursuant to FCRA violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XXXX reported a fraudulent charge under my name with a credit limit of {$1000.00} open on BARCLAYS BANK DELAWARE/XXXX XXXX. As a result, my Credit score was very low. I have a high balance of over {$5000.00} which is not from me. 

I've already spoken with Barclay 's Bank and they told me it would take about 60 days before they can get back to me. I would appreciate if I could get a response from Barclay 's Bank, as my Credit score is still very 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 explanation
Consumer complaint received 2024-05-19 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: FEDChex Recovery, LLC
State: FL

Complaint narrative:
My son took a picture of my license and my credit card without my knowledge. He rented a XXXXXXXX XXXX To my knowledge they do all paper work over the phone as well as the payment. The owner of the vehicle that was rented throught XXXX XXXX XXXXXXXX XXXX ) just left the keys in the vehicle that was being rented. Meaning, this was a mistake on the owner 's part to just let someone take your care without meeting them. 

I have been harassed for 3 years. I have complied with everything. They had a detective interview me. Even the detective said it's risky, there are a lot of car thefts. I guess XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I thought this was over after the detective didn't see me at fault, identity theft is what happened. 

I spoke with XXXX they are fraudulant, they just put these charges on my credit report and reported to my car insurance after XXXX. My insurance closed the file denying their claim as there is no evidence that I had this vehichle. Again, identity theft Now I am complaining on how there services are set up for theft etc. Signatures and identification should he done in person. They would then see XXXX is a girl. My son XXXX stole my identity. 

I have not been so upset with a company. They do not listen not even after the detective closed the case. My insurance closed my case. I are messing with my credit. 

This should not be aloud unless there is proof of negligence on my part so they try to ruin me. Horrible!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: MO

Complaint narrative:
The account with XXXX XXXX is not mine. XXXX XXXX is reporting delinquent account XXXX XXXX on my credit report and I would like this removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I am writing to bring to your attention a matter concerning an application that was made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The transaction was a consumer transaction for an automobile for family-related needs and household goods. Before giving them my personal information, I provided the manager with a SSA 89 Form, and I told him that according to 18 USC 1605 I would only consent to all interests, insurance and extended warranty to be added to the finance charge.

The manager claimed that my credit was denied, but according to the Equal Credit Opportunity Act, denying me my credit is discrimination and violation of Title 15 Subsection 1611. I asked the manager if I could speak to the underwriter and I was also denied speaking to them, because he claimed I would get sent a letter in the mail.

As the Original creditor/private investor I extended credits based on 12 CFR Section 215.3 for the verification of the information in the consumers application and determined that the consumer was credit worthy of the extended credits.

I am a victim of identity theft, because I gave XXXX XXXX XXXX  my SSN and they shared my personal information to a third party named XXXX XXXX XXXX, which I did not give any written consent to share such personal information. 

I was alerted by my credit reporting stating that I had XXXX hard inquiries, meaning that XXXX XXXX XXXX XXXX XXXX XXXX XXXX  pulled funds/credits from my Direct Treasury Account XXXX ( See attached ) Pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance ; By not fully complying with the terms I extended the credits to the consumer based on the information in the credit application alone, they are fully in violation of the consumer rights. Therefore, they now hold civil liability for willful noncompliance.

Pursuant to 15 U.S. Code 1681o - Civil liability for negligent noncompliance ; Their negligent noncompliance by not extending the credits to the consumer is violating the rights that the consumer was granted by me as the original creditor/private investor, that was determined by the information in the credit application. 

Due to the denial of my credits, I am stating that I want to retract my application due to XXXX XXXX XXXXXXXX denying me a portion of my unlimited credit. The application was for all sum charges amount of the automobile. ( See attached description of the XXXX and total amount. )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Federal Trade Commission and the Consumer Financial Protection Bureau ( CFPB ) obtained a settlement that will require credit reporting agency Trans Union LLC and a subsidiary to pay a total of {$15.00} XXXX to settle charges they failed to ensure the accuracy of tenant screening reports by including inaccurate and incomplete eviction records about consumers, hampering their ability to obtain housing. 

Yet, Trans Union continues to be in business with power to dictate who gets the " XXXX XXXX ''. In order to obtain knowledge of my credit score, I need to pay a fee. Statistically, under the XXXX XXXX, it is a known inflation that is hurting Americans, especially XXXX Americans, yet, we have to solely rely on credit reporting agencies such as Trans Union to give us fair credit reporting for a fee.

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 2024-05-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Remove all fraudulent and inaccurate accounts from my credit report.

Block any information resulting from identity theft, as required by FCRA. I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to pursue legal remedies available under the Fair Credit Reporting Act.

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 2024-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
15 USC 168.1b Capital one  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not say that the credit bureau 's need to have written instructions to add accounts on my credit report such as XXXX, XXXX and XXXX XXXX I would like for them all to be removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I feel like I've been living in XXXX XXXX for the last ten years. This account with Truist bank is an auto loan I took out over XXXX wars ago. Ive paid off the account but the account is still showing up as closed and paid off on my credit report and its showing up as a negative account. Fist of all I don't know how an account I paid off in full can be showing up on my credit report as a negative account. Furthermore an account can only stay on someones credit report for 7 years if its a negative account and this account has been on my credit report since 2014 which is about 11 years ago .The account in question is with Truist Bank and the account number is XXXX. This account is holding me back from obtaining credit.

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 2024-05-19 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-05-19 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: NJ

Complaint narrative:
Remove all fraudulent and inaccurate accounts from my credit report.

Block any information resulting from identity theft, as required by FCRA. I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to pursue legal remedies available under the Fair Credit Reporting Act.

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 2024-05-19 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: NJ

Complaint narrative:
Remove all fraudulent and inaccurate accounts from my credit report. 
XXXX any information resulting from identity theft, as required by FCRA. I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to pursue legal remedies available under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this letter as a natural person to request the removal of a XXXX late payment from my consumer reports or the deletion of the account from XXXX XXXX XXXX XXXX accordance with my rights under 15 U.S. Code 1681a. 

On XX/XX/year>, I traded in a vehicle at a car dealership. However, unbeknownst to me, the dealership failed to pay off the trade-in at that time. As a result, there was a reported XXXX late payment on my credit report. I would like to emphasize that this late payment was not a result of my failure to make a payment on time, but rather a consequence of the dealership 's failure to fulfill their obligations. 

I have diligently worked to maintain a good credit rating and have since paid off my account with XXXX XXXX in full. It is unfair and unjust for my credit rating to suffer due to circumstances beyond my control. I believe that it is the responsibility of data furnishers, such as XXXX XXXX, to accurately report information that reflects the consumer 's creditworthiness. 

I kindly request that the XXXX late payment be removed from my credit reports or that the account with XXXX XXXX be deleted to rectify this inaccurate reporting. I appreciate your attention to this matter and thank you for your assistance in resolving this issue.

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 2024-05-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My savings account was locked for inactivity, and they are not unlocking my account after completing necessary steps. I have mailed a letter ( certified ) that was delivered XX/XX/XXXX, and they continue to say that they are waiting for their back office team to give me access to my funds. After asking for clear instructions, I followed them exactly and mailed the letter, and after XXXX weeks of calling, messaging through XXXX, and emailing, they are NOW telling me the letter needed to be notarized. They have confirmed they have received the letter verbally, refuse to give me clear instructions in writing, and when instructions are followed, they are changed.

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 2024-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Law Office of Michael J. Scott, PC
State: CA

Complaint narrative:
I received in the mail blank court forms for a default judgement for an alleged debt that had been filed in my local court but was taken off the court calendar as I have no contract with this debt collector for any debt, nor is there any debt to be collected from me by any entity. Sending me blank court forms in by mail to threaten or intimidate me is mail fraud. 
I have repeatedly told this debt collector to ceases communications with me and they refuse to do so. This is particularly alarming due to the fact that there is no debt to be collected by anyone anywhere against me. Their behavior towards me had violated almost every provision of the FDCPA according to the FTC.

Company response to consumer: Closed with explanation