vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed for a claim in 2020 for my XXXX and I received one payment from XXXX and the rest was stolen bank of america failed to protect my account I called up bank of america and I have called up bank of america and explained to them what was going on that I was not getting my deposits and I would call them and explaine to them what was going on and they wouldn't do nothing about it they kept sending cards to someone and they kept taking my money I got one check and that was it and I have files claim after claim and bank of america puts that they payed the claim and then writes the claims off and the are not repaying the money stolen out of my account

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 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NM

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.

The letters are stated with items and issues.

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 explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
XX/XX/2023 XXXX I phone call was made to citi cards its say account can not be verified I would like them to delete this account

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 2023-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: DriveTime
State: CO

Complaint narrative:
Its disturbing that I have to file this complaint! I do have a current complaint in progress regarding this issue but this is an important update that greatly affects the other complaint and its resolution. My other complaint is in regards to the balance of the loan! I had to pay {$11000.00} in repairs for the vehicle purchases at DriveTime! It was over a year period but all stemmed from issues in the very beginning, I just had to do my best to repair the issues as I could afford it. But the repairs should have been covered under the XXXX  Day dealer warranty that comes with the purchase of the car. Within XXXX weeks I had warning lights on the dash and I called DriveTime and spoke to the XXXX who sold me the car. He told me to call XXXX XXXX XXXXhe warranty company! They told me to take my car to XXXX transmissions, XXXX was an in network repair facility. They did start a claim! They were waiting on approval from XXXX  This is XXXX  days after purchase of the car. So within the XXXX  days! They had the car for a week. They called me and said that the mechanic thinks it is best the car be serviced at a XXXX dealership! That was how serious it was. Now were at XXXX days! I was able to drive the car myself home! I made calls, then the car was XXXX! A major oil leak in the cooling system was causing the engine to overheat. I couldnt drive more then a mile. On the XXXX day I found a XXXX XXXX XXXX XXXX in XXXXXXXX XXXX, had vehicle towed there! They did diagnostics and it was a lot! They started a claim with XXXX XXXX, XXXX XXXX didnt respond until the XXXX day and only covered {$1200.00} while I had to pay almost {$4000.00}. They deliberately stalled until after the 30 day mark and Blamed the dealership for not calling in. But I had already had a documented claim within the XXXX days! Ive been in an ongoing litigation since. So XXXX thing I will point out real quick is while my car was at XXXX per DriveTime by mileage was XXXX and I remember because the lady said she didnt want to tell me the mileage because of the XXXX. So fast forward to XX/XX/2023. I have XXXX insurance! Which gives us free XXXX reports! I get an alert asking how was the service I just received at XXXX that was a maintenance inspection and whatever! But I didnt have my car serviced there. There was an alert generated because odometers can not be alerted! So it read XXXX last known to XXXX. I called and they stated they were called by XXXX XXXX  to alert records that would not show that I was there within XXXX days in order to gain a benefit to themselves. These records would fully prove my complaint and hold them reliable. They are deceiving the CFPB and me the consumer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

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. 

The letters are stated with items and issues. 

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 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NM

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. 

The letters are stated with items and issues. 

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 non-monetary relief
Consumer complaint received 2023-06-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: VT

Complaint narrative:
Dear Sir, Madam, or Their, I am a XXXX  and I over drew my account. I have asked the bank to supply me the number and address they have sent my account to or let me know if we can set up a repayment plan. I think the fees are excessive. They have completely ignored my request. So now I can't pay off the money and I also can't open up at a bank that will give me overdraft protection. They just ignore me please help. 

Sincerely, XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 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: Self Financial Inc.
State: IN

Complaint narrative:
XXXX XXXXl is and has held XXXX XXXX yes you heard correct XXXX $ on my credit report saying that my balance is overdue?! First of all its a credit building account, and my money goes in and then once the account is canceled my money I spent saving and building my credit comes BACK TO ME, how the XXXX do I owe you XXXX $?!! And then you hold it on my credit report as history period, and as history as a derogatory mark and saying my credit history is balance overdue?! Wrong answer, I paid my account off in full, IN FULL, REMOVE IT NOW OFF MY CREDIT PROFILE PERIOD OR I WILL EITHER SUE, TAKE TO COURTROOM WITH MY ATTORNEY, OR PRESS CHARGES FOR HARASSMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Consumer Financial Services Solutions, Inc.
State: TX

Complaint narrative:
I was misled by the sales agent during our initial phone call and have now paid {$4400.00} into my dedicated account and only one settlement has been reached in the amount of {$1600.00}. I was only able to find this out by requesting a transaction statement, otherwise, I can't see what fees or anything are being charged. I specifically asked the agent about owing taxes on any amount negotiated and he told me that I would not owe taxes due to the creditors having some agreement with them under COVID relief. He added, if I do get a 1099-C, to send to Beyond Finance for them to take care of. This year, I received one in the amount of {$600.00} causing me to owe more on our taxes. I have called and attempted to speak to the agent and keep being told they would email him and he would call me back. He has never returned my call. I have complained about the misrepresentation to other representatives and was told they have never had any COVID program and they referred me to the fine print in the agreement. I unenrolled all of the credit accounts I could but still have one pending. The agreement says if I unenroll during the settlement phase they will get to keep all of their fees as if they actually finished the settlement despite not performing the agreed service fully. I'm not sure how they can legally collect their FULL fees vs just the ones they've already charged. 

I'm not sure what to do as it's been a year, my credit is worse than before, I'm owing more now than when I enrolled and I'm stuck. I'm set to complete their program by XX/XX/23, at which point, I will have paid this company a total of XXXX for them to only have " resolved '' my debt for less than XXXX XXXX and then owe even more to the IRS next year when I receive another 1099-C. Their fees are predatory and at least one agent materially misrepresented the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
According to the account on XXXX XXXX XXXX XXXX was deleted XX/XX/XXXX, but remains on Transunion and XXXX. Also XXXX XXXX was closed off the Transunion on XX/XX/XXXX, but still remains on XXXX and XXXX. After it was removed on the XXXX they added it back to all XXXX accounts even after 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 non-monetary relief
Consumer complaint received 2023-06-03 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: LA

Complaint narrative:
According to the account on Experian XXXX XXXX XXXX was deleted XX/XX/XXXX, but remains on XXXX and XXXX. Also XXXX XXXX was closed off the XXXX on XX/XX/XXXX, but still remains on XXXX and Experian. After it was removed on the XXXX they added it back to all XXXX accounts even after 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 2023-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
at XXXX XXXX on XX/XX/XXXX i initiated a XXXX payment for {$820.00} to be sent to my business account, the payment was place on hold and needed to be verified. i placed a call to Truist bank to verify my identity. but was told i can not do that since the number i have on file and held personally for 12 years can not be used since its not in my name but my spouse. i requested to have the XXXX canceled since i needed to use the funds to make some bill payments by the same day to avoid {$270.00} late fee but agin was meet with the same difficulty by two supervisor one by the name of XXXX XXXX, the bank insisted that the can not send a code to my phone number on file nor can the use any of the personal information or security questions on file to verify my identity and that i would have to find a local branch to verify my identity, never attempting to Properly verify my identity. i would like this matter investigated and safety guidlines become reviewed.

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 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 
154.s.c 1681 section 602 A states I have the right to privacy.

15 U.S.C section 602A section 2 It also states a consumer reporting agency can not furnished account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
In accordance with the fXXXX XXXX XXXX XXXX convergent ( XXXX XXXX ) has violated my rights. 
154.s.c 1681 section 602 A states I have the right to privacy. 
15 U.S.C section 602A section 2 It also states a consumer reporting agency can not furnished account without my written instructions

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 2023-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase advertised a {$900.00} sign up promotion for their checking and savings accounts requiring multiple steps including keeping a balance for 3 months and then waiting an additional 15 days to find out if you received the bonus. 

I followed all required steps after seeing the promotion advertised online, following that promotion link to the sign up page, and opening both checking and savings accounts as instructed. I think had my employer direct deposit sent to Chase as required, I funded my savings account with over {$15000.00} and kept that balance for 3 months. I then waited 2 weeks for the promotion and it never arrived. 

When I contacted customer service, I was told there was no promo attached to my application, even though I followed the hyperlink from the promotion page and promo code. Chase never confirmed the promo was active or not active, there was zero communication

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Subject : Request for Access to Credit Report I hope this letter finds you well. I am writing to request your assistance in resolving an issue I am currently experiencing with accessing my credit report through your company. 
I recently attempted to access my credit report from Equifax, XXXX, and XXXX, but unfortunately, I have been unable to do so successfully. Despite several attempts over the past XXXX XXXX, I have encountered persistent difficulties, and I am concerned about the impact this may have on my ability to obtain my credit score and review the information contained in my credit report. 
I understand the importance of regularly monitoring my credit report to ensure its accuracy and to address any potential errors or discrepancies promptly. As a responsible individual, I strive to maintain a strong credit history and ensure the information reported about me is correct. However, the current situation has hindered my ability to access vital credit information that is crucial for my financial planning and decision-making. 
I kindly request that you investigate this matter and provide me with the necessary access to my credit report as soon as possible. I believe there may be an issue on the system 's end that is preventing me from accessing my credit information. If there are any specific requirements or additional steps I need to take to verify my identity or resolve any potential obstacles, please let me know, and I will gladly comply. 
In the interest of resolving this matter efficiently, I have included my relevant details below :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: KY

Complaint narrative:
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 ham demanding the deletion of the accounts listed IMMEDIATELY! 13. 8K

Company response to consumer: Closed with explanation