vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-10 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: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I'm filing a complaint against Capital One credit card service. Capital One closing my account because of 2 paintings that was returned one for {$400.00} the one for {$480.00}, somehow Access my account and added two Banks make payments when I had one bank account login or link to them these two payments were returned what I notice Capital One telling me that my card is restricted I called him right away they're finding me guilty of these two payments of {$400.00} to {$480.00}, The interesting part of her about this is that they're not listening to me okay and they're finding me guilty of something I didn't do I advised them to check the IP address like other Banks do and like the Federal Reserve told me to tell them to check but they refuse to do that so they close the account and want me to pay my bill when they found me guilty of something that I didn't do they're not believing anything that comes out of their customers mouth and I'm not the only one they're doing this really feel like too what what do. Capital One is not considering my import Capital One is not listening like I said Capital One is 20 mi guilty of those two payments my other bank which is tied in or link to Capital One i where I works XXXX, First payment from that bank was returned because they didn't know I had a Capital One credit card and I didn't inform them that I link accounts to make payments but I made good on it I made the {$130.00} payment which came from that bank XXXX Then I made {$250.00} payment and both come from XXXX Bank with no problems. But this XXXX & XXXX and XXXX  XXXX XXXX I never link it and I had to remove it on my own with my XXXX account, Basically Capital One was breached and someone add a new account leave payments in Capital One is not listening to me like I said and not verify the IP address. Plus, twice my account was unauthorize charge and then there reissued a new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
RE : axos bank ( former XXXX XXXX XXXX ' bank ) Complaint : Our family has two checking accounts with this bank. We have attempted to close both accounts via secure message and chat. axos bank notifies us by letter that our accounts are 'dormant ' and must be 'activated '. We have followed their instructions closely to 'activate ' our accounts, but axos bank provides no feasible method of 'activation ' ( eg. we try to login, but login has changed with bank name change, so we then try to create new logins, but can not create logins until account is 'activated ' ). We have called customer service, who are not helpful in 'activating ' our accounts to then close them and send us our money back by check. Feels like 'big bath accounting ' with the name change to axos bank...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Greetings in XX/XX/2021 I reached an agreement with XXXX XXXX XXXX on behalf of XXXX  XXXX XXXX for a {$27000.00} debt. We settled the debt for {$13000.00} which was paid in full on XX/XX/2021. At this time I was working on a refinance and was able to get the account updated through the XXXX XXXX only to have it reverse a month or so later. I have submitted disputes with and without supporting documentation and although XXXX  state they received the funds and it shows as a payment received in XX/XX/2021 the account balance was not updated to {$0.00} & cleared stating it was settled for less than the debt owed. This is the XXXX of XXXX in which I had to wait over 2 months to get cleared up. Attached is supporting documentation of the settlement agreement, proof of payment, cleared payment from my bank, and a letter from XXXX stating the account has been paid in full. In spite of providing these documents to the XXXX credit Bureaus they claim XXXX said the information is reported accurately and refuse to provide any proof as to how XXXX  verified the accuracy after sharing with XXXX  my proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Greetings in XX/XX/2021 I reached an agreement with XXXX XXXX XXXX on behalf of XXXX  XXXX XXXX for a {$27000.00} debt. We settled the debt for {$13000.00} which was paid in full on XX/XX/2021. At this time I was working on a refinance and was able to get the account updated through the XXXX XXXX only to have it reverse a month or so later. I have submitted disputes with and without supporting documentation and although XXXX  state they received the funds and it shows as a payment received in XX/XX/2021 the account balance was not updated to {$0.00} & cleared stating it was settled for less than the debt owed. This is the 2nd of two in which I had to wait over 2 months to get cleared up. Attached is supporting documentation of the settlement agreement, proof of payment, cleared payment from my bank, and a letter from XXXX stating the account has been paid in full. In spite of providing these documents to the 3 credit Bureaus they claim XXXX said the information is reported accurately and refuse to provide any proof as to how XXXX  verified the accuracy after sharing with XXXX  my proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022, I wrote an appeal letter to inform Bank of America of fraudulent charges made on XX/XX/2022, with my card ending XXXX. That dispute was denied with a final decision of no fraudulent activity taking place. XXXX consecutive charges were made in the amounts of {$540.00}, {$3400.00}, {$3400.00}, and {$2000.00}. Currently, I reside in XXXX, California, these transactions were all made in Florida. The morning of XX/XX/2022, at XXXX am, I was at XXXX in XXXX, California purchasing groceries. My card was in my possession the entire time and is still in my possession today. It was after the fact that I received a text at XXXX pm, I immediately contacted Bank of America after receiving this text message, regarding these transactions. Although it was a long wait to speak to a representative, a dispute/ investigation was started at approximately XXXX pm. 

I followed up with the investigation of my account and still, Bank of America is still considering it no fraudulent activity was taken place. I asked what have they done to contact the merchant or verify these transactions. They stated it is still denied and that apparently, I had enough time to fly out to Florida and make these purchases. All these transactions were made online. No flights were purchased to Florida, and at that time I was at work and informed them if a letter was needed from my employer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
I contacted TransUnion the credit reporting company about an inquiry having been made on my credit report on XX/XX/2022. The report according to TransUnion was requested by XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX Texas, XXXX. However, there are no XXXX branches at that location. The closest XXXX facility is, and ATM located at XXXX XXXX XXXX XXXX, XXXX Texas. So, it didn't make sense to try to contact XXXX yet since that was an ATM. Of note, the only bank showing this credit inquiry was our XXXX XXXX XXXX XXXX in XXXX XXXX, SD. Neither my wife XXXX XXXX or myself XXXX XXXX XXXX have applied for credit of any type in years. Further, we enjoy basically perfect credit scores because of our credit history. Today, XX/XX/2022, I received a call from a number I didn't recognize. They requested I call them back at XXXX. They gave me a reference # XXXX is to XXXX information. This call originated from XXXX XXXX, TN, phone # XXXX. Note, I've never had contact with this number before, nor do I recognize it. Anyway, this was all too suspicious, so I Googled the search term XXXX information XXXX city tn. Low & behold I found in results for this that this XXXX number was being used for a XXXX credit card phishing scam. Whoever is doing this stuff needs to be stopped. According to my XXXX search this has been going on from this telephone number for over a year. All the complaints were about attempts by these people calling to get credit 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 non-monetary relief
Consumer complaint received 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian informed me that they dont have to review or conduct an investigation. I was told that they only have to send the information I provide to the furnisher and whatever the furnisher says is what it is. Experian informed me that they always side with the company, it doesnt matter what I say and They will not do an investigation. This was all recorded. 
This is definitely against fcra laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report 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 2022-02-10 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:
Update to previous complaint : Request for VALIDATION of debt NOT a VERIFICATION of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld Systems Inc. on XX/XX/2022, has furnished a collection tradeline on my XXXX, XXXX, XXXX XXXX XXXX Files without Validating the alleged debt properly. They have not supplied documents and supporting files. 

Validation and proof of claim of the disputed debt is requested in accordance with the FAIR DEBT COLLECTION PRACTICES ACT, 15 U.S.C 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the FAIR CREDIT BILLING ACT, 15 USC 1666 et seq. All of which work in conjunction with each other, including the TRUTH IN LENDING ACT ( TILA ) 15 USC 1601 et seq

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This dispute is in regards to a vehicle XXXX XXXX XXXX XXXX that was sold to the car dealer on XX/XX/XXXX. At this point, ownership rights were transferred to the new owner and the bank was paid in full. There were never any late payments made on this account while the vehicle was in my possession. 
The bank XXXX Bank of America ) is stating that there are XXXX late payments made on this account for XXXX and XX/XX/XXXX. This information is incorrect. 

I have attached the odometer statement that was signed by myself and the car dealer at the time the vehicle was turned over to the dealer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc.
State: MD

Complaint narrative:
I recieve phone calls all week long and I just received a dozen letters in the mail. This is workers comp and not once in the process did anyone bill correctly. I do not want to be harassed about this anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XXXX Opened a Lowe 's cc operated by XXXX  XXXX  XXXX ordered XXXX boxes flooring ( XXXX XXXX ) from Lowe 's the cost of the flooring was {$2800.00} XXXX number XXXX XXXX A partial order for XXXX boxes was filled and picked up. The cost for the partial order was {$1600.00}. I was told a refund would show up on my credit card for the portion of the order that was not filled. The difference between the original and the order filled is {$1200.00} A refund was not received claim was filled with the company. The claim was declined because they interpreted the dispute as filling a claim for the whole amount. 

A second dispute is in process

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
An original letter was sent on XX/XX/XXXX and XX/XX/XXXX, and I have not received a response nor have these unauthorized inquiries been removed. Therefore I am sending a complaint to prevent this matter from being unresolved for any longer, as I have not received a written or electronic response in regard to these unauthorized inquiries. There was an FTC Report attached as well and all inquiries email on the account. On XX/XX/XXXX I submitted a Demand 2 Comply in regard to not only the inquiries being ignored but the accounts that have been requested to be investigated as well. I have been completely disregarded by this entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report 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 non-monetary relief
Consumer complaint received 2022-02-10 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: CA

Complaint narrative:
On XX/XX/2021 a person I know encouraged me through social Media to trust in his financial mentor to invest in bitcoin and other crypto investments. 
After some talks and " orientation '' I was asked to invest by first sending a XXXX payment of {$1500.00}. This money would then appear in a website they have and multiply in 48 hrs. 

I soon realizes it was a fraud scheme and the person I know was involved as well. 
I reported the case to a federal agency and immediately to my bank. Bank of America. 

The bank suggested me to wait a period of 60 days, after 60 days they mentioned they weren't able to retrieve any funds from the other person and that they were closing the case. 

I have been banking with BofA for 12 years and they weren't able to help me when I was scammed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft and attached below is my FTC identity Theft Report. I fully authorize this notice and compliance. I have also mailed in all respective CRA 's my identity theft affidavit. I have never authorized or gave XXXX written consent to any XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft XXXX XXXX  Late Payments from 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 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft and attached below is my FTC identity Theft Report. I fully authorize this notice and compliance. I have also mailed in all respective CRA 's my identity theft affidavit. I have never authorized or gave XXXX written consent to any XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft XXXX XXXX  Late Payments from XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft and attached below is my FTC identity Theft Report. I fully authorize this notice and compliance. I have also mailed in all respective CRA 's my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft XXXX XXXX  Late Payments from 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 2022-02-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report 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 non-monetary relief