vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-13 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have disputed these accounts for several months and I have not gotten any responce...

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 2023-07-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Bank Usa NA. XXXX XX/XX/XXXX, Closed XX/XX/XXXX. 
Account Number : XXXX It has been years since this been on my credit report for XXXX XXXX XXXX XXXX. The charges of XXXX, That was not authorize by me. My card was stolen. This is unacceptable. Please remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lewis & Clark Capital LLC
State: TX

Complaint narrative:
I received a payoff balance earlier in the month that is good through the XXXX. 

I paid a large portion of the loan ( initial loan in full ) and planned to pay the balance tomorrow when I am paid. 

The loan isn't even due yet. 

I received a call to let me know I hadn't paid it in full and it was my responsibility, etc. 

I told her I was well aware of it, and that my payoff quote was good through the XXXX. I thanked her for wasting my time. 

She followed up with an email, copying in their collections department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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:
The payment history for the XXXX XXXX XXXX XXXX account is not accurate and incomplete. This account was opened in XX/XX/XXXX, but the payment history is missing from XX/XX/XXXX to XX/XX/XXXX. Also, this account was reported late in XX/XX/XXXX and XX/XX/XXXX, which is inaccurate. Due to a billing error caused by a physical address change, this account was not late in XX/XX/XXXX and was closed on XX/XX/XXXX, making this account closed in XX/XX/XXXX, not late in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
I took out a loan with Titlemax.. The lady explained that my payments would be {$110.00} and that I would be paying for 24 months. I thought is was a regular loan that you make monthly payments on. 
It was not explained correctly. It is my fault for not clarifying how the loan was to be paid. However, Of the {$1000.00} I borrowed I paid back over {$3000.00}. Interest rate was 152 %. The car was destroyed and I continued to make payments until I just couldnt anymore. After years they are contacting me to pay it off. This company received 3x their money back. Enough is enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a Bank of America Visa XXXX card and on XX/XX/2023, I instigated a transfer to my checking account at XXXX XXXX XXXX XXXX of {$5000.00} On XX/XX/XXXX, Technicolor received a Prenotification from Bank of America that the {$5000.00} was coming in. However, it never arrived. The transaction number for the {$5000.00} deposit is XXXX. I immediately contacted Bank of America and filed a complaint, # XXXX but I received a letter from them on XX/XX/XXXX, that my claim was denied because no error occurred. I then requested the documentation from the transfer. On XX/XX/XXXX, I requested their documentation of the transfer which didn't come. On XX/XX/XXXX, I received another letter from Bank of America stating " here 's a copy of the documentation that we relied on to make our decision. Once again, no documentation. I called Bank of America XXXXs Help Desk so many times, but finally a person gave me a transaction number of XXXX, which I gave to XXXX to check out. XXXX accounting department couldn't make use of the number? On XX/XX/XXXX, I received another letter from Bank of America stating my claim will remain denied. After another post card to Bank of America, I received another transaction number Trace ID XXXX which was no helpful. After another call to Bank of America, I was told I needed to file a Police Report. I went to the XXXX XXXX XXXX XXXX in XXXX, Ca, and met with XXXX XXXX XXXX XXXX. The Police Report ID is XXXX. On XX/XX/XXXX, I received another " form '' letter from Bank of America, sending me the same information they had sent before. I pray you can help me recover this life-changing money!!

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 2023-07-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
During Covid, I received a voice-mail stating they could help me with my credit card debt. A number was provided. I called. I was tricked and manipulated and mislead about the reason they contacted me. I called and spoke to a representative that stated an offer to help pay down my credit card debt fasted but I found out they were using unfair business practices. At the end of the dialogue I was lead to believe that my interest rate would be lower with this offer and that if agreed, it would be paid off in half the time originally agreed. So I agree to this wonderful offer, or so I thought. 
What I learned immediately after was that I could not using any of my cards, all active and all had credit available to use. 
When I called back after speaking with multiple people, I was told that was the stipulations to be a part of the program. I went to my nearest Bank of America and they themselves could not understand why I was no longer able to use my cards. XXXX representative even stated, XXXX XXXX still have available credit on both cards but nothing changed. They closed down my credit cards and is now on my credit report. 
What's even sadded is, BOA goes through these events of being sued by people and the courts. 
Not good business. I will never ever again be a BOA customer again!

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 2023-07-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: CA

Complaint narrative:
I have fraudulent accounts on my credit report, which I reported to XXXX  XXXX XXXX, yet XXXX XXXX XXXX is not removing this fraudulent account. BANK XXXX XXXX has no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXXXXXX XXXX has refused to do this. The followings are the fraudulent account XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3100.00} and XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4600.00} that were opened at an address which I have never lived at and it has nothing to do with me. 
The fraud address is the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2023-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility. It is crucial that you investigate this matter thoroughly and promptly correct the error. Your prompt attention to this issue is greatly appreciated.

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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I have an Experian free account for credit monitoring. They send me frequent emails, whenever my credit score changes, even by a negligible amount. Each time I log in, I need to dodge aggressive marketing of their paid service. Specifically, I need to decline it each time, and it takes extra effort to avoid accidentally signing up for their service because the button to decline is light gray but the one to sign up is a bright XXXX. 

This is like the dark pattern that XXXX employs to get people to sign up for XXXX, except XXXX makes you avoid signing up about XXXX times every time you place an order.

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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting my bankruptcy with an incorrect filing and discharge date. I have hired a service to remedy this and after three attempts and submission of court filings, Equifax still refuses to take action to correct the error, that they made. This is causing actual and qualitative damages. I am a small business owner, and this erroneous report is hindering my ability to secure lines of credit, among other issues. 

Actual filled : XX/XX/XXXX ( I have attached court filings to prove this date ). 

Equifax is reporting I filed on XX/XX/XXXX ( I have attached my credit report to show their error ). 

Equifax is not complying with consumer protection laws and I want this error reported and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history. Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my payments.

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 2023-07-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
I've been having some issues with my car payment due to having back XXXX in XX/XX/XXXX and ended up losing my job over this. I had always stayed in contact with XXXX financial and always answered their calls. Also when they had called I had answered and they would hang up and call my dad who was co signer on the loan and tell him I didn't answer the call, which in fact I have records of this as well all calls. My farther relay the message and the next few times I had talked to them they try to say it was their end that their phones were messed up. There had been a few attempts that on a phone call i had voluntarily did a reposition of the car and the agent said oh no don't do that we are here to work with you. It wasn't once I had told them this because of being on XXXX and not getting much a month and they were well aware of how much I made being on this and at least XXXX less then what I was making from when I had a job they still refuse to pick up my vehicle as I asked them to do. After many months of struggling to make ends meet and just paying two payments I was still 2 months behind today XX/XX/XXXX they came to repo my vehicle and I given the key to them and was nice to the repo person. I feel that they took advantage of me knowing my XXXX and hardships that I've been dealing with that they put me in this mess as I offer 3 times to come pick up my vehicle. Now yes they did help me on some defer payments but also messed up the last two as one agent told me one thing and another would tell me another. So to me I feel that they took advantage of my hardship as well as my XXXX and wouldn't refinance the vehicle for me or help with losing the payments or even take the car back. Now I have requested to have all phone records pulled and all documents copied to see how they could do this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
Thursday XX/XX/2023 phone call received at XXXX. In the phone call, before any confirmation of my identity was given by me, the woman proceeded to give out my social security number. When my husband proceeded to try to explain she had the wrong person and wasn't me, the woman then aggressively kept spouting off federally secured personal identification ( ie., social security number, full name, birth date, home address ) all without confirmation, and to the wrong person who wasn't the person of attempted contact. This is a complete violation of my personal and private identity and could be used for any identity breaches or theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: MD

Complaint narrative:
XXXX DEBT opened tradeline on my credit report XX/XX/XXXX however my report show opened on XX/XX/XXXX. 
I called XXXX XXXX XXXX to inquire about this issue and was advised that this is for Viviant Bill from XX/XX/XXXX and they I owe XXXX {$1400.00} plus in fine/etc and will need to pay or settle the account for {$800.00}. I advised them that this is not my account. 

I've never had viviant ring/door camera however I do have XXXX and XXXX with them for some years now. 

I am requesting that XXXX remove this debt from my report. 

I would like to have them removed. I never had an account with XXXX XXXX back in XX/XX/XXXX or ever had an account this is the first I am hearing about this. 

Please have this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
From XXXX XXXX XXXX, 2023, I deposited business checks into my bank account. Unfortunately, the company that issued the checks was a victim of theft and their bank account was compromised. I made this known to the bank last week. I was then told that a hold was placed and it was supposed to be released on the XXXX of XXXX, 2023. I then for security reasons opened a new account on the XXXX of XXXX, and I spoke to XXXX XXXX XXXX and I made an appointment with him for the XXXX of XXXX, 2023 at XXXX. When I met him, everything was up and running. Two hours later my account ( XXXX ) were frozen with no explanation. I had to make numerous phone calls a return trip to see XXXX XXXX, further communication to XXXX XXXX the branch XXXX at the location I went to at XXXX XXXX XXXX XXXX. XXXX. XXXX, FL XXXX. I have over XXXX frozen over an issue I did not cause. I was supposed to receive a call from a retail specialist supervisor, and that person never called me. I am without my money and I am not sure when I will get it, and I am a XXXX person and I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.

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