vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-30 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: FL

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

such XXXX CFPB complaint numbers : XXXX XXXX XXXX XXXX XXXX XXXX with the complaints were : 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 1681XXXX 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 XXXXXXXX, has violated my rights. 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.

the second complaint to all three reporting agencies were also : did not authorize or do any of these hard inquiries on my reports : 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 XXXXXXXX I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XX/XX/XXXX - I received email from Bank of America that I had messages to review. When I logged in and opened them, it had to do with insufficient funds. But there was over $ XXXX in the account. 

When I called in, I was told the account was on " hold '' due to an ACH transaction I had initiated with another already-verified institution that I was told could not be " verified ''. I was told the " hold '' began on XX/XX/XXXX. After several conversations with the Fraud department at BofA, I was told the only resolution was to bring a copy of my bank statement from the other financial institution showing I owned the account. 

WHY WAS I NOT CONTACTED DIRECTLY BY THE BANK?? INSTEAD, I HAD TO CALL THEM. 

XX/XX/XXXX - I worked with a banker ( XXXX XXXX at the local BofA branch to accept the statements and he made copies while I was there and I was told it should take XXXX hours for the " hold '' to clear. 

XX/XX/XXXX - I called BofA Fraud department and was told the " hold '' was still in place. 

XX/XX/XXXX - I called BofA Fraud department and was told the " hold '' was still in place. After asking for escalation I was then informed that no one received the paperwork and was told I would need to revisit a branch and provide the forms again. 

XX/XX/XXXX - I visited a branch and again provided the statements that were asked for. I was told that as long as the information looked correct, that I should expect my " hold '' to be removed by the end of the day. 

XX/XX/XXXX - I again called BofA Fraud department and after escalating to a manager was told that they could legally have a " hold '' on my account for up to 30 days while they go through the verification 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 explanation
Consumer complaint received 2023-03-30 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: GA

Complaint narrative:
I called XXXX on Thursday XX/XX/2023 around XXXX pm spoke with representative XXXX, regarding my concern credit report. XXXX stated that the reports whatever the information is given to them by the agency. I expressed that I have not received any documentation validating theses accounts on my credit profile. For these accounts to reporting on my credit profile are unethical, unlawful and illegal. I check my credit report often because I know how important having good credit is. Any information reporting on my credit report by law must be validated, verifiable if not, that information must be removed or corrected from/on my credit report. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX - MUST BE DELETED XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX -MUST BE DELETED XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX MUST BE DELETED XXXX XXXX  XXXX XXXX XXXX XXXX XXXX SC XXXX MUST BE DELETED Equifax decision is IS VIOLATION OF THE 15 U.S. Code 1681a- Definitions, rules of construction | U.S Code | US Law| LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681a- 2 -Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. Prohibition ( A ) Reporting information with actual knowledge of errors 15 U.S. Code 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681a- 3 of this title any report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I'm inquiring to find out if Westlake wants to pickup or have me return this car. I am 20 days past due and have been harassed every day for the past 20 days. I Have been written up twice at work due to these disruptive phone calls. If this is how Westlake conducts business I'd rather you ask me to return your vehicle because this is insane. I am not going to lose my job do to your representatives constantly harassing me. I could understand if I was 1-2 months behind, but this is ridiculous. I explained to customers service in XXXX I had an unexpexted funeral to pay for and I would be less than 30 days behind for a while until I can get back on track. Why am I being harassed? The screenshots provided shows just one of the numbers calling. There are also calls from 3 additional other numbers. Constantly... all day. Please advise me if you want your vehicle back.

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 2023-03-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: AL

Complaint narrative:
I saw a promotion that if I open a U.S. Bank new checking account and complete two or more direct deposits within 60 days of opening your account that total : {$3000.00} to {$5900.00} I will get rewarded as {$300.00}. The promotional Code is XXXX. 
I made more than total amount of {$3000.00} and two or more direct deposit soon after I receive my bank information te deposit, they don't give the money. 
I've already contacted them about this issue but they just told me to wait for the investigation result ( they said it'll be taking a 7 business days ), but they didn't answer me back after that. One again I contacted them and they asked me to wait another 3days, they didn't answer me back either. So I've come up with to report this issue to CFPB. please help me.

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 2023-03-30 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: Frontline Asset Strategies, LLC
State: NY

Complaint narrative:
XXXX XXXX  is reporting a fraudulent account on my credit report. I didnt open this account nor did I authorize anyone to do so on my behalf. Upon contacting XXXX, I was informed that a 1099 was issued in this account, and yet they couldnt provide any other information. Please see the attached FTC report and remove this account from all 3 major credit bureaus! 


Frontline AssetXXXX XXXX promised to remove the collection from my credit upon payment. The representative I spoke to informed me that they would be able to delete the account from the credit and failed to inform me that the process may take 90 days. I scheduled my closing accordingly, and now after the payment was made they are telling me that the process can not be expedite and that they dont know when they will send a deletion request. PLEASE DELETE FRONTLINE ASSET FROM MY CREDIT AS PROMISED!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, Online Information Services Inc was sent a letter pertaining to a debt that I do not believe is mine. I have left the state of New Jersey and moved to Florida in XXXX. Now, Im being told that I owe a debt for services used in XXXX and XXXX. I have a number of issues with this for the following reasons : Knowing how scrupulous XXXX & XXXX is, having been a customer of theirs for a number of years, if I owed even {$1000.00} dollars, utility services would have been suspended and restored ONLY after the owed amount would have been paid. The owed amount would have never made it to reach $ XXXX that the Debt Collector ( Online Information Services Inc ) is claiming that I owe. 

Upon receiving my initial request letter sent to ( Online Information Services Inc ), they have yet to prove they have authority to collect said debt and/or that they purchased it from XXXX & XXXX XXXX I have not received any documentation from your agency validating the debt they are attempting to collect. Under the FDCPA, they are required to provide proof of the debt within five days of initial contact with me. As I have not received any such documentation, I have reason to believe that this debt is not valid. 
I have reason to believe that your agency is not licensed to collect debts in my state ( previously in XXXX in XXXX  ), as required by law. Under 15 USC 1692e, debt collectors are prohibited from making any false, misleading, or deceptive statements in connection with the collection of a debt. By attempting to collect a debt in a state where your agency is not licensed, they are in violation of this law. As per, NMLS Consumer Access, they do not have licenses in Florida and/or New Jersey XXXX 
My credit reports have been severely impacted by the misreporting of this debt collector and I am requesting to have ALL of the mis-reported information removed from ALL of my credit reports. I should not be getting alerts that my credit reports have been compromised with fraudulent debts that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I was contacted by Affirm and/or XXXX  stating I qualified for an upgrade because I had paid off more than half of the amount of the XXXX XXXX. I went ahead and took advantage of the opportunity to upgrade. One of the conditions were to send in the XXXX XXXX and once it has been evaluated for it's value. The remaining balance would be paid off. I received an email stating the balance would be paid off. Unfortunately, Affirm tried to attempt to take the monthly payment despite the confirmation the balance would be paid off. I found out this was blemish on my credit report, is when I went to the dealership to purchase a vehicle. Again the XXXX XXXX balance was paid off. I attempted to get the matter resolved by contacting Affirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: MA

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.

XXXX XXXX # Account number : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX  has violating my rights Account name : XXXX XXXX XXXX has violating my rights XXXXXXXXAccount number XXXX has violating my rights Account name : XXXX XXXXAccount number : XXXX has violated my right 15 US.6 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 writter 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

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 2023-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: FL

Complaint narrative:
XXXX/XXXX/203 I filed a complaint XXXX ) about a card I never activated and funds leaving my acct via withdrawal, I call netspend.com and they gave me the run around and the reps were rude and non helping and aggressive, they locked my access to my account login and they refusing me my refunf

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 2023-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Opened new Citi bank account in XX/XX/XXXX and do the following to get XXXX miles. 
Spend the required minimum amount on qualifying purchases using your Citibank XXXX or ATM XXXX. Qualifying purchases must post to the new Eligible Checking Account within 60 days of account opening. * Perform 1 or more qualifying bill payments for 2 consecutive calendar months within 60 days from account opening. Qualifying Bill Payments must post to the new Eligible Checking Account each month for two consecutive calendar months. * Citi Priority account spend {$750.00} I contacted them via Citi bank chat XX/XX/XXXX and they said I had to wait till XXXX for everything to post. I called in XXXX and they gave me the same run around. 

XXXX XXXX called them and they looked through account and said they would open a dispute and would hear from someone within the week. 
XXXX ref # creating a dispute- should have had the miles by XXXX, XXXX. 

By XX/XX/XXXX still no response called again. 

They claim I didn't spend the required amount within the 60 days. They said the cut off date was XX/XX/XXXX and my purchase was XX/XX/XXXX and they are not honoring it because I was short {$8.00}. In addition it took me multiple weeks to even get my debit card and even more time to get it activated when I first got it so I couldn't even start making purchases till mid XXXX. The welcome email was not even sent to me till XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a secure credit card via Capital One to gain secured line of credit during the time as being an account holder : ~Charged Me XXXX but I pay XXXX per month to use the card. 
You can not go over the secured amount of XXXX ~They are not using my funds to pay transactions ~They refuse to disclose all secured credit account then charge fees that are not disclosed in any documentation nor website ~They lie to the credit bureau and attempt to exhort exorbitant fees. 
~They put you in danger trying to find an ATM by locking your card unnecessarily in an emergency situation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: TX

Complaint narrative:
I received a letter that I am being sued by XXXX XXXX XXXX XXXX. I have disputed this as I need evidence this card was mine. I have not received any information on the when the account was opened. This has negatively impacted my credit score and I believe has violated my rights according to the following : * 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. 
* 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 an 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.

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 2023-03-30 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: TX

Complaint narrative:
I received a letter that I am being sued by XXXX XXXX XXXX XXXX. I have disputed this as I need evidence this card was mine. I have not received any information on the when the account was opened. This has negatively impacted my credit score and I believe has violated my rights according to the following : * 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. 
* 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 an 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.

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 2023-03-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 

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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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