vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent a letter to XXXX, XXXX, and Experian to update my address to the correct address because i only have one address. the job information they have on file was incorrect. My name was incorrect on my file. I need to have my personal information updated to the correct information. I previously sent a copy of my state id and utility bill to show proof of my correct personal information. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

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 2022-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I called on Capitol One XX/XX/22 at XXXX. They made it extremely difficult to talk to anyone. They just transferred me from one line to another and I eventually spoke with XXXX, agent ID XXXX. I attempted to close ANY accounts with Capitol One. They refused to provide me the last four of the SSN of the person who opened an account. I was told that they blindly open accounts for people and don't do anything unless the person calls and complains. I already had a credit lock in place with ALL three credit agencies and they still opened an account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: NJ

Complaint narrative:
On XX/XX/XXXX I received a letter from Transunion stating that XXXX was fraudulently opened on XX/XX/XXXX in my name despite having " fraud alerts '' placed with the credit reporting agencies back during COVID-19 XXXX when fraudulent accounts were opened then. 

I have freeze alerts and fraud alerts in place so I am not sure how this account was able to be inquired and opened. 

I contacted XXXX on Sunday XX/XX/XXXX and spoke with a representative that informed me he was aware the fraud occured and that they contacted the credit reporting agencies to remove the " hard inquiry '' and " tradeline '' however they are still reporting within my credit files. 

I do not live, or ever have lived at XXXX XXXX XXXX XXXX XXXX NJ XXXX and I believe this is the address used to complete the fraudulent application.

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 2022-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
A letter was sent XX/XX/2022 to GM Financial informing them they are furnishing inaccurate an incorrect information to the consumer reporting agencies and that the reporting of the inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes, and the reporting of this inaccurate information have damaged my livelihood. 

The IRS clearly defines a charge off as Gross or Ordinary income. Income does not get reported on the consumer report which in fact makes the reporting of the information to my account inaccurate! 

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting this account as a debt is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: PA

Complaint narrative:
TransUnion has failed to send dispute results and is reporting the following items inaccurately ( see enclosed ). 

ACCOUNTS XXXX XXXX XXXX XXXX inaccurate XXXX XXXX XXXX  XXXX inaccurate XXXX XXXX XXXXXXXX XXXX inaccurate XXXX XXXX XXXX XXXX inaccurate US DEPARTMENT OF EDU XXXX inaccurate XXXX XXXX XXXX never late XXXX XXXX XXXXXXXX XXXX {$420.00} not mine XXXX XXXXXXXX XXXX {$420.00} not mine XXXX XXXXXXXX {$870.00} not mine

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 2022-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I deposited all the money I have in the world into a Wells Fargo ATM on Wednesday XX/XX/XXXX, around XXXX XXXX, with whom I have a checking account. The machine jammed, took all my money ( {$1700.00} ), and, once I submitted a claim, told me it would take 1-10 business days to resolve the " dispute. '' I explained that I am away from home, on vacation, renting hotel rooms, and driving a rental car. I am at risk of ending up on the streets, XXXX, if they don't resolve this by the end of today ( XXXX  XX/XX/XXXX ). 

I have a doctor 's appointment today I can not now make. I am out of all my prescriptions, which I can not refill. I am suffering an emergency health crisis, having recently been released from a XXXX, where I stayed for a month due to XXXX XXXXXXXX XXXX. 

Wells Fargo has taken everything from me, and does not seem to care that I am going through XXXX because of them. 

If something bad were to happen to me while I wait for them to give me my money, Wells Fargo would be liable. 

I hope it doesn't come to that.

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 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: FL

Complaint narrative:
Hello, im trying to get info of the Credit karma settlement. I filled out 1/2 dozen credit card applications, from XXXX and was denied on all. With the assumption that i was pre qualified for the cards from the info that credit karma was giving me. And also was told thru the site that my chances to get approved was great. Please help me get the info i need. Thank you ... XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022, I received results from an investigation with confirmation # XXXX of inaccuracies on my credit report. Since XX/XX/2022, I have been unable to receive a new detailed credit consumer report reflecting the deletions made. Instead, when I log in to my account online, a pop-up is displayed to call customer service and mention code BLNK. I have been on the phone with customer service at least 10 times, speaking with multiple supervisors who continue to ensure me everything will be updated and I will be able to purchase products offered by Equifax that allow me to view my credit daily. This delay has caused adverse action on my personal character as defined in Title 16 : : Chapter 1 : : Subchapter F : : Part 640 : : 640.2. This matter needs to be resolved responsibly and legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: NY

Complaint narrative:
Transunion is report an account, this information is inaccurate and it needs to be updated and remove. In accordance with the FAIR CREDIT REPORTING ACT THIS XXXX XXXX ACCOUNT REPORTING IS A VIOLATION TO MY RIGHTS. 15 USC 1681 section 602 A states I have the right to privacy. In addition, 15 USC section 604 A section2 : Congress states that the Consumer reporting agency can not furnish an account without my written instructions. This needs to be deleted immediately. When it comes to compliance procedures the CRA 's must prepare a report with MAXIMUM accuracy to me the consumer. Transunion is in violation of my consumer rights. 

SEE ATTACHED.

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 2022-09-06 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: VA

Complaint narrative:
The problem that I have is according to 15 Usc 1681A ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. They also never had a permissble purpose and I never consent to this in the first place. 15 usc 1681B ( 2 ) Contacted Equifax on XX/XX/2022 again to get theses items that's ALREADY disputed OFF my credit and the rep was very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have submitted multiple complaints to the creditors as well as to the cra 's ( XXXX, XXXX, XXXX ) in regards to the improper reporting and violations of 15USC1681 ( a ), 15USC1681 ( a ) sec ( 3 ), 1581USC 1681 ( a ) sec ( 4 ) and 15 USC 1681 ( b ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: NY

Complaint narrative:
This is my final attempt before taking this matter to court and suing Equifax for false reporting and false investigating. Because of my most recent complaint and attempt to have the bankruptcy listed on my credit report removed, Equifax sent me a letter " confirming '' their investigation ... again siting XXXX as their source who provided the information. I have been dealing with this since XX/XX/2022. I have now attached the letter Equifax sent me siting XXXX dated XX/XX/2022. I have also attached my COMPLETE XXXX consumer report. Every single page has been attached and you will clearly see that NO bankruptcy is listed. You will see my name, date of birth and last 4 of my social on the XXXX report, I also included my ID as proof of identity along with my social security card. I also singled out page 27, showing you I am clear of judgements, liens and bankruptcy. BUT you still have access to the complete report as well. Again this is the final chance for your company to rectify this mistake before I hire a lawyer and sue for false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America restricted my account and ultimately closed it without giving an explanation. I have a balance of {$28000.00} that the bank has refused to release to me after closure of the account. The bank has no right to hold on to my funds and since they have decided to end the banking relationship, they should release my funds and we can all move on. thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-06 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: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a letter from XXXX stating that WEBBANKAVANTLLC was fraudulently opened on XX/XX/XXXX in my name despite having " fraud alerts '' placed with the credit reporting agencies back during COVID-19 XXXX when fraudulent accounts were opened then. I have freeze alerts and fraud alerts in place so I am not sure how this account was able to be inquired and opened. I contacted Avant on Sunday XX/XX/XXXX and spoke with a representative that informed me he was aware the fraud occured and that they contacted the credit reporting agencies to remove the " hard inquiry '' and " tradeline '' however they are still reporting within my credit files. I do not live, or ever have lived at XXXX XXXX XXXX XXXX XXXX NJ XXXX and I believe this is the address used to complete the fraudulent application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I can not access my account. When I try to login it says " We are temporarily unable to complete this request. '' It has been saying that for months. My loan application was denied due to Equifax locking my credit account. They told me to login and unlock it, but this keeps happening with the unable to complete request. I want my account unlocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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:
On XXXX XXXX I called XXXX. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX a paid off a debt in the amount of {$180.00} on XX/XX/2022. XXXX i had my credit pulled for a loan and it stated that the balance is still unpaid. i did a dispute and it still came back as unpaid i contacted XXXXXXXX XXXX and the stated it was reported to Equifax on XXXX XXXX i was given a control number of XXXX to give to Equifax When i called equifax i was given the run around i called the collection agency back who then sent me a letter stating it was paid. i called Equifax back no one would listed i paid the account 4 months ago yet i can not get an update on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Hello my due date was changed this account was never late after multiple disputes GM refuses to fix this mistake in addition there was a winter storm we lost power and internet for 2 weeks. As you can tell I have XXXX late payments and nothing derogatory on my credit report aside from this GM mistake they refuse to remove the lease was even paid off 6 months in advance kindly assist me with making GM do the ethical correct thing in regards to this issue .I appreciate your help I sent all the supporting documents to the 3 credit agencies only one removed it. I need your help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear CFPB team, On XX/XX/2022, I placed an order through the merchant " XXXX ''. The amount I got charged for was {$930.00}. On the date of expected delivery, I did not receive anything. I understand that sometimes deliveries get delayed, so I waited over the weekend as well as 2 more business days. I still did not receive anything. So I contacted XXXX through their live chat and expressed my concerns. A few minutes following the online chat, I got an email notifying my my account got banned and I will no longer be able to return any past purchases. On the same day, the product finally came, but since it came so late, I did not need it anymore. I then contacted my credit card company Capital One informing them the issue. They are requiring me to provide an invoice from XXXX, but I've explained the issue that XXXX has banned my account and I've tried to contact XXXX multiple times to get the invoice but they are not willing to cooperate with me in providing that, and since my account is banned I can not get the invoice/reciept on my own. And Capital One has said that without that reciept they won't be able to help me. And not I am turning for you guys for help because I have no control over the situation and it's very frustrating. All I want to do is to be able to return the product I purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: LA

Complaint narrative:
XXXX had the debt for 5-6 years and they never set me any information about the repo like when it was sold for how much which is required.. Now NCB MANAGMENT SERVICES is on my credit report for this debt and when I asked for validation of debt they sent me letters of the billing statements and not proof that the debt was mine or that they tried to contact me before adding this to my credit reports which has no ruined my credit.XXXX I sent them a letter asking for proof of sell and the amounts the vehicle was sold for.. I sent this to them more than 30 days ago and have not heard back..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 report agency can not furnish a account 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 2022-09-06 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
On the day of XXXX XXXX I signed a contract with BMW to purchase a XXXX XXXX XXXX. At the price of XXXX with a balloon payment. I was not provided with the type of notice of my rights to rescission under the Truth in Lending Act ( TILA ), 15 U.S.C 1601et Seq this is required by federal. Upon reviewing my contract, oblations, and rights as a natural person operating in commerce, I noticed that there are several violations present which nullifies the contract pursuant 12 CFR 1026.3 named Truth in Lending. Per the Congressional finding of TILA as well as my due diligence, " It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able during the consummation of the contract BMW did not disclose my right to rescind. Thus being the case, pursuant 15 USC 1635 I have the rights to rescind my initial consent to pursue the pervious terms. I conclude this letter with a demand for you to return my initial down payment since you failed to mention that my finance charge was all I needed to complete the deal and that the cash payment was only of benefit to you. 15 U.S code 1635 ( b ) ( F ) I ask that you return my Down payment of XXXX within 20 days of this notice by law. 

While making payments of XXXX  with a very high interest rate.

Company response to consumer: Closed with explanation