vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I had two checking accounts with Bank of America. I had one business account XXXX XXXX XXXX ending in # XXXX and personal account XXXX XXXX ending in # XXXX. 

I had a friend XXXX XXXX transfer {$9900.00} by wire to my business account on XX/XX/XXXX from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX on XX/XX/XXXX. This was a legitimate transaction for a wedding. 

Once I received the deposit into my business account, I transferred {$9800.00} to my personal account the next day. I then tried to purchase XXXX, which I have done so successfully previously. Bank of America flagged the transaction and stopped the transaction. 

When I called Bank of America they could not tell me why this transaction was flagged. A week later, the first week of XX/XX/XXXX, Bank of America froze my accounts and then a few weeks later closed my accounts. 

I have called Bank of America hundreds of times, I have made at least 3-5 visits to Bank of America XXXX XXXX XXXX in XXXX, TN. I have spoken with XXXX XXXX XXXX and he was very kind and helpful. I am trying to get my friends money that she sent returned to her. Bank of America has said that they are still investigating and it is under review. No one can tell me why the transaction was flagged, the reason, how long the review will last. I am very, very frustrated with Bank of Americas handling of this situation. Every time I have called I receive a different answer. 

It has now been going on 7 months and the funds are at Bank of America and are still frozen. I would like the funds to be returned to my friend with a cashiers check : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX TN XXXX ( XXXX ) XXXX Or if Bank of America wants to return the funds to me with a cashiers check : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Email : XXXX Thank you in advance for helping clear up this matter and obtaining the return of my funds. 
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 monetary relief
Consumer complaint received 2023-04-02 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I previously reported this with you all and XXXX updated my report after I filed a complaint saying that the account, LVNV Funding, meets FCRA requirements. Not only have they not validated the debt, they are now inaccurately reporting Date last active. I have never made a payment on this account as I have been trying to get this company to verify the date for years and they have failed to do so and the credit reporting companies XXXX and XXXX has failed to hold them accountable. I have asked the credit bureaus and the collection agency, LVNV Funding, to verify this debt and they have failed to do so. Also, the collection agency continues to report a late payment to my account every month on this collection account. I have disputed it with the credit bureaus with no resolve. The collection company is telling me that I have no rights and just have to pay the debt. I can provide the letters from each bureau showing what I have done and what they have done. I have received no communication from LVNV funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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:
In accordance with the fair credit act this creditor has violated my rights, 15 usc section 602 states i have a right to privacy ,15 usc 1681 section 604 A section 2 consumer reporting agency can not furnish an account with out written instructions.

15 usc 1666B, a creditor may not treat a payment under a credit card account under an open end consumer 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 explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/2023 my Cash App was charged for two purchases one within minutes of the other, from a company called XXXX XXXX for an amount of {$120.00} and the second charge of XXXX. I immediately went on line and cancelled my cash app card and filed a dispute for the fraudulent charges. Approximately one week later I was issued a temporary credit for both charges in question. 

For the record, I have never given my card or the card number to anyone to use and have NO idea how my card was even compromised. 

Approximately one month later I received an email stating that the dispute was denied after their so called investigation. However, I tried looking up the company name XXXX XXXX and although there are variations of that name there is no company I found that is actually that name. Therefore, I found their so called investigation to be lacking the evidence needed to dismiss my claim. 

I then began trying to contact the support team via chat after I was never able to get thugroh on the so called XXXX # and holding for literally hours at a time. to have there decision appealed. I have asked Cash app to follow up as I found NO company with that name, I asked where the items were shipped if purchased on line. I know they can't tell me the address but what state or city did the merchandise go to, etc. I have gone on line and chatted with support twice in two weeks and keep getting the same robotic response saying their specialty team will reach out to me and asking for my email which I have given twice and still no one has contacted me back about the issue I want to appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Submitted a request to investigate collection account XXXX XXXXXXXX as accurate. Investigation resulted in verified as accurate. Upon pulling previous reports the DOLA as changed several times illegally on this account. Per FCRA laws this is illegally re-aging the account. There has been no activity made on this account yet the DOLA had been changed several times. Also the DOLA is showing 3 different dates across each bureau. The credit bureaus are required to report correct information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Submitted a request to investigate collection account XXXX XXXXXXXX as accurate. Investigation resulted in verified as accurate. Upon pulling previous reports the DOLA as changed several times illegally on this account. Per FCRA laws this is illegally re-aging the account. There has been no activity made on this account yet the DOLA had been changed several times. Also the DOLA is showing 3 different dates across each bureau. The credit bureaus are required to report correct information on my credit report.

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 2023-04-02 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: MD

Complaint narrative:
I requested credit bureau multiple times for bankruptcy validation from the court/original creditor under 15 USC 1692g Sec. 809 ( b ) of The Fair Debt Collection Practices Act ( FDCPA ). Debt validation is my federal right granted under the FDCPA. They failed to verify the information from the court so they should remove it from my record. " The United States Bankruptcy Court does not report any information to the credit bureaus. The U.S. Bankruptcy Court is not responsible for verifying or validating information from consumers credit files. Please provide validation from the court or delete all the bankruptcies from my record. XXXX doesn't show any bankruptcies.

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 2023-04-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
3RD COMPLAINT!!!!!!! 
PENFED CREDIT UNION AS PER THE LAST REQUEST FROM THIS COMPANY, PENFED, I TRIED TO CONTACT XXXX XXXX VIA THE TELEPHONE NUMBER PROVIDED, SEVERAL TIMES. 
HOWEVER, THIS XXXX XXXX, NEVER, EVER RESPONSED, NOT ONE TIME. 
I LEFT A PLETHORA OF MESSAGES ON HIS ANSWERING MACHINE, AND EVEN CONTACTED THE COMPANY REQUESTING TO SPEAK WITH HIM, TO NO AVAIL. 

CURRENTLY, I SENT AN EMAIL, AGAIN, WITH MY INFORMATION TO AMEND MY ADDRESS AND THESE PENFED REPRESENTATIVES ARE ASKING FOR DOCUMENTATION ( ID, SOCIAL SECURITY CARD AND UTILITY BILL ) THAT WERE ALREADY PROVIDED ON SEVERAL OCCASIONS VIA PENFED 'S PORTAL. 
I HAVE SUBMITTED EVERY AND ANY DOCUMENT, PENFED REQUESTED. 

THIS COMPANY, PENFED HAS KIDNAPPED MY FUNDS AND CONTINUOUSLY ASKING FOR A RANDOM. 
SO WHAT CAN YOU GUYS ( CFPB ) DO TO ASSIST ME. 

I HAVE SUBMITTED TO ALL PENFED 'S ASININE REQUESTS AND STILL GETTING THE SAME RESULT ..... NOTHING!!!!! 

AFTER CONSULTING WITH AN ATTORNEY WHO ALSO STIPULATED THAT PENFED IS BEING ABSOLUTELY UNETHICAL EGOTISTICAL IN THERE BEHAVIOR. 
WHAT NOW? 
YOU INFORM ME, AS I AM LITERALLY AT MY WITS END. 

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 non-monetary relief
Consumer complaint received 2023-04-02 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I requested credit bureau m

ultiple times for bankruptcy validation from the court/original creditor under 15 USC 1692g Sec. 809 ( b ) of The Fair Debt Collection Practices Act ( FDCPA ). Debt validation is my federal right granted under the FDCPA.

They failed to verify the information from the court so they should remove it from my record. " The United States Bankruptcy Court does not report any information to the credit bureaus. The U.S. Bankruptcy Court is not responsible for verifying or validating information from consumers credit files. 

Please provide validation from the court or delete all the bankruptcies from my record. XXXX doesn't show any bankruptcies.

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 2023-04-02 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: AZ

Complaint narrative:
NOTICE OF FAULT - EXPERIAN is reporting erroneous, miss information and making false claim on my private consumer report. The information that is being reported is not in uniformity with the other two credit agencies that have complied and corrected the status of this account, being a corporate commercial loan as it stands now Experian is in liability and may cause a repairable damage. The reporting is not in compliance with statute 1692, and any supporting Supreme Court case law under the federal credit I will be requesting certified information in the event this is not deleted.

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 2023-04-02 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: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-04-02 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: MD

Complaint narrative:
I requested credit bureau multiple times for bankruptcy validation from the court/original creditor under 15 USC 1692g Sec. 809 ( b ) of The Fair Debt Collection Practices Act ( FDCPA ). Debt validation is my federal right granted under the FDCPA. They failed to verify the information from the court so they should remove it from my record. " The United States Bankruptcy Court does not report any information to the credit bureaus. The U.S. Bankruptcy Court is not responsible for verifying or validating information from consumers credit files. Please provide validation from the court or delete all the bankruptcies from my record. XXXX doesn't show any bankruptcies.

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 2023-04-02 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I don't have any contract written, verbal or otherwise with any of these collection agencies. The credit agency is using alias 's name that don't belong to me, outdated addresses ' and phone numbers. 

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 have 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Creditor Information : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX, ( XXXX ) XXXX To whom it may concern, I just received my report and I think its wrong! I was told I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be investigated. Please make sure everything pertaining to my credit report is correct. 
I have two accounts open and have only one account number, XXXX balance {$4900.00}, account number 2 is {$15000.00}. 
I have already paid off my student loan debt though my over 20 years of service in the XXXX XXXX. The XXXX XXXX by contract with me under the XXXX XXXX XXXX XXXX, I signed XXXX XX/XX/XXXX. The debt was paid by the XXXX on or about XXXX. I paid taxes in XXXX for earned income credit when XXXX XXXX paid off student loan debt. I didnt receive any correspondence about my student loans until on or about XXXX. 
I have asked XXXX and the others before it was bought ( several times ) out to clarify and validate the following on all open/closed accounts. I have never received any specific correspondence in any regards to the accounts reporting to the credit bureaus. 
I have asked repeatedly for XXXX to provide the following information : *Loan origination documents *Pay off disclosure *Interest rate disclosure *Balance history ( with all companies that must be assumed to hold this debt since origination ) *Complete payment history *Credit insurance I, validate account Creditor Information XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX XXXX XXXX XXXX : XXXX Account 2 : Unknown This account should be closed, and so old that is should be removed from my history as an aged account. 
I respectfully ask for you to provide some kind of proof on these alleged items, specifically the contract, note, or other instrument bearing my signature. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
I also understand that under federal law, you have thirty ( 30 ) days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided in fifteen ( 15 ) days of the completion of the re-investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I mailed a certified letter requesting to remove unauthorized inquiries reporting on my credit report. It is affecting my score and the credit bureau have not removed them. These unauthorized credit error. Please assist in removing and fixing this error. Listed below are the unauthozized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: SC

Complaint narrative:
I mailed a certified letter requesting to remove unauthorized inquiries reporting on my credit report. It is affecting my score and the credit bureau have not removed them. These unauthorized credit error. Please assist in removing and fixing this error. Listed below are the unauthozized inquiries

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 2023-04-02 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I mailed a certified letter requesting to remove unauthorized inquiries reporting on my credit report. It is affecting my score and the credit bureau have not removed them. These unauthorized credit error. Please assist in removing and fixing this error. Listed below are the unauthozized inquiries

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 2023-04-02 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: FL

Complaint narrative:
In accordance with the Fair Crediting Reporting Act XXXX Account # XXXX, 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 a without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02 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: FL

Complaint narrative:
In accordance with the Fair Crediting Reporting Act XXXX  Account # XXXX, 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 a without my written instructions

Company response to consumer: Closed with explanation