vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-28 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: CA

Complaint narrative:
my rights have violated by the bureaus and/or creditor via the following account XXXXt # XXXX 15USC 1681 section 602A states I have a right to privacy .... 1ST VIOLATION 15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written consent and/or instruction... .. 2ND VIOLATION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I really dont know .I never received a Macy card net alone used one

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 2022-05-28 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: Colony Brands, Inc.
State: NJ

Complaint narrative:
On XXXX I called my credit company to file a dispute regarding my account they put 3 late payments on my account. I have never used the credit company again after I didnt receive my order. I made an order and I never received it I ordered 2 items they said they canceled both of them. I received a bill so I called and they told me that only one was refunded it was their mistake that they would fix it and remove the late payment. They never removed the late payment remarks now its on my credit report as late payment and its effecting it.when i called on XXXX I spoke with the credit card company and they verified I was never late that it would be fixed snd my dispute came back and nothing was fixed the company is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XXXX I called my credit company to file a dispute regarding my account they put 3 late payments on my account. I have never used the credit company again after I didnt receive my order. I made an order and I never received it I ordered 2 items they said they canceled both of them. I received a bill so I called and they told me that only one was refunded it was their mistake that they would fix it and remove the late payment. They never removed the late payment remarks now its on my credit report as late payment and its effecting it.when i called on XXXX I spoke with the credit card company and they verified I was never late that it would be fixed snd my dispute came back and nothing was fixed the company is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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:
The Credit bureaus stated the accounts listed below was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, date last reported is inaccurate, two-year payment history is inaccurate, account status is inaccurate, past due balance on a charge off account is inaccurate. This is grounds for removal. 

Account Name XXXX XXXX XXXX XXXX # XXXX Account Name XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX They also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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 2022-05-28 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:
The Credit bureaus stated the accounts listed below was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, date last reported is inaccurate, two-year payment history is inaccurate, account status is inaccurate, past due balance on a charge off account is inaccurate. This is grounds for removal. 

Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX They also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
update payment history to paid as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
On the afternoon of XX/XX/2022 I took my check from work and deposited it in the Navy Federal Credit Union ATM located on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The check was for a total of {$6400.00} as it was represented on my bank statements. Now, my personal bank is XXXX  XXXX XXXX XXXX but they are branched with Navy Federal so I stupidly decided to deposit my check there instead. That same day, I attempted to withdraw {$1100.00} but later realized the limit was XXXX so I cancelled the transaction and left it for another day. My check was put on hold for two days and finally it was released to me on XX/XX/2022. That very day, I visited the same ATM to withdraw {$500.00}. I did NOT withdraw anything more than that and the amount is posted in my checking statement records. I am confused and honestly APPALLED that Navy Federal would withdraw such a large amount of money, in the sum of {$6400.00} with NO warning or indication as to why it was done, especially without my consent. Please help me figure out why such a large sum was removed from my account as this is causing me mental distress. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I am trying to sell my car that chase is the lien holder on. Im a XXXX XXXX  in XXXX. In XXXX, in order to sell my car, I need a letter from chase stating I have permission to sell it. I contacted Chase on XX/XX/22. They stated they will not give this letter. They verbally state I have permission to sell my car, but will not put it in writing. 

I spoke to a dealership and asked if this was a requirement. The dealership stated it is required I contacted Chase again on XX/XX/22. My wife and i spoke to multiple people with no resolve. I was finally escalated to as high as I could go within chases customer service. She stated they dont give these letters. provided her with a copy of a permission to sell letter that another customer was issued. ( I have attached this letter to the complaint ) She said had to verify the letter came from Chase. She was able to prove this letter did come from chase but said they no longer do it. I asked why. No answer. Without this letter, I can not sell my car in XXXX. My Only option is to keep the car and pay It off. I am being forced into this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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:
In accordance with the Federal credit report act ( XXXXXXXX XXXX XXXXXXXX XXXX ) account number # XXXX has violating 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 82 also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: TX

Complaint narrative:
3 national consumer reporting agencies stated the info was accurate and correct as far as orig loan balance 1st date of deluquency date closed amount still owed. Account should be deleted at this point

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 2022-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My Husband Pass XXXX XXXXI call Bank Of America and told them that XXXX XXXX XXXX had Pass and Could They Close all XXXX Credit Cards , they didn't have my Name on the Credit Cards just His, I took His Death Certificate to a Bank of America XXXX XXXX, XXXX To Show Proof he had Pass, A Few years ago We had set up Payments with Bank of America for the 3 Credit Cards XXXX The first Lady that contact us told us both the fees and Interest would stop.After making first payments to Bank of America we seen they were still charging us Fees and Interest, The Next Person we talk to told us we was told Wrong on Everything.We was paying the cards back, paying Fees and Interest even thou we couldn't use them.My Husband wants to get them pay off so his Credit stay Good, so we kept making payments, Bank of America told me in XXXX that They would Close all XXXX Credit Cards and No more Payments be taking out from my Checking Account.The Amounts are {$180.00},,, {$180.00} and $ XXXXAll 3 payments was taken out XXXX XXXX and In XXXX All XXXX Payments Taken Out of my Checking Account on the XXXX of XXXX.Our House is not Pay For and I have Been Stuggling to make my House Payment since my Husband has pass, I been getting one of my Policys that was in XXXX name and I been using that money to make my House payment.As of Right Now Bank of America has Took XXXX XXXXOut of my Checking Account, My House Payment each month is XXXX XXXXI have sign papers at my Bank To Stop payment and pay over draft feeds to my bank.I been in touch with Bank of America also.Please help me, 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 explanation
Consumer complaint received 2022-05-28 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:
3 national consumer reporting agencies stated the info was accurate and correct as far as orig loan balance 1st date of deluquency date closed amount still owed. Account should be deleted at this point

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 2022-05-28 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:
3 national consumer reporting agencies stated the info was accurate and correct as far as orig loan balance 1st date of deluquency date closed amount still owed. Account should be deleted at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: SC

Complaint narrative:
XX/XX/2022 - Experian I am reporting Identity Theft. Refer yourself to the fair credit reporting act 15 U.S. Code 1681c2 below. MY DOCUMENTS ARE ATTACHED 15 U.S. Code 1681c2 - Block of information resulting from identity theft -- ( a ) Block Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2022-05-28 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: WA

Complaint narrative:
On XX/XX/2022 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. I am currently not showing a score for my XXXX as well and I would like that corrected 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 2022-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I received a settlement in XXXX XXXX the deposit was placed in my checking Account. I was told there will be a hold for 7 business days. that was fine. when the check cleared, I paid cars and credit cards, never withdrawing small amount. I did not open a money market account. I have been requesting since XX/XX/XXXX for my copies of Statements from XX/XX/XXXX to XX/XX/XXXX. This is what I have been trying to get. I have submitted Certified letters to all the XXXX from XXXX until XXXX in getting the copies I have been doing my best to get. XXXX XXXX, whom I have written to in XXXX, XXXX XXXX XXXX and so many other XXXX in the company. no reply from Bank of America at all. I went to the Branch on XXXX in XXXX in XX/XX/XXXX to get help in getting the copies of the deposit and the bank statements from XX/XX/XXXX to XX/XX/XXXX. I was told that the copies have to be special order because it has been a very long time, I was told since I have been coming to the bank often, as a courtesy the fee will be waive due to the circumstances. XXXX XXXX XXXX had also promise she would get the copies and send them. she stated she needs some time to send them.3 years should have been long enough. Don't You Think? If Bank of America could please submit the copies as promise from my XX/XX/XXXX large deposits and all the statements from XXXX XXXX to XX/XX/XXXX. The operation of older transactions can be retrieved from the special order. I worked foXXXX XXXX XXXX XXXX XXXX  and my late husband worked for XXXXXXXX XXXX XXXX XXXX as well as XXXX XXXX XXXX which his experiences is 35 years. microfiche should not take long considering how in orderly everything stays in the vaults Thank 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 explanation
Consumer complaint received 2022-05-28 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: WA

Complaint narrative:
On XX/XX/2022 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. I am currently not showing a score for my Equifax as well and I would like that corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: WA

Complaint narrative:
On XX/XX/2022 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. I am currently not showing a score for my XXXX as well and I would like that corrected 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 2022-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
XX/XX/2022 I have attached my affidavit and invoice. I want monetary relief due to the violations committed by Portfolio Recovery Associates , LLC a debt collection company. 
DOCUMENTS ATTACHED.

Company response to consumer: Closed with non-monetary relief