vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I went to make a deposit at a Bank of America ATM. The machine said it was having a problem reading it and asked me to enter the amount. I entered an amount and the ATM kept my cash deposit and gave a receipt that said We apologize for the inconvenience We are unable to process your request and can not return your items. 
I went into the bank and had two separate people say they could not do anything and call the number on the receipt. 
I have called and have been on hold and have received no help with the issue. I have been put on the call back list and have received no call back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting 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: MN

Complaint narrative:
It has recently come to my attention XXXX XXXX is illegally reporting a charge off on all XXXX of my consumer reports. This is a direct violation of the law since I have not granted XXXX  written consent to report this account on my consumer report. I'd also like to note charge offs are considered ordinary income in accordance with XXXX XXXX policy and income is not permitted for any reason to be reported on the consumer report. I hereby opt out of XXXX XXXX reporting this account in accordance with the privacy act of 1974 and demand they remove the account immediately in accordance with 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2023-12-26 00:00:00
Product: Credit reporting 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: MN

Complaint narrative:
It has recently come to my attention XXXX XXXX is illegally reporting a charge off on all 3 of my consumer reports. This is a direct violation of the law since I have not granted XXXX  written consent to report this account on my consumer report. I'd also like to note charge offs are considered ordinary income in accordance with Internal Revenue policy and income is not permitted for any reason to be reported on the consumer report. I hereby opt out of XXXX XXXX reporting this account in accordance with the privacy act of 1974 and demand they remove the account immediately in accordance with 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2023-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.

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 2023-12-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: WV

Complaint narrative:
On XX/XX/XXXX of 2023, I applied for forbearance with Sallie Mae. I was approved for said forbearance and payments were made toward all four of my loans from the company ( that they refuse to consolidate ). At that time, they check both mine and my mother 's credit, affecting both of our credit scores negatively. 
We made payments toward all of the loans every month, but continued to get threatening emails saying that the loans were in danger of defaulting. I contacted Sallie Mae again on XX/XX/XXXX of 2023, and they once again said I hadn't been approved for forbearance even though my mother and I had been making payments in the agreed upon amount when we were approved in XXXX. They then said I had to make the payment in order to be approved for the forbearance in spite of being able to see that the payment for XXXX had been made in the same amount they were requesting for the forbearance. 
I told them I couldn't afford to make two payments of the same amount in the same month, and that I would pay the following month. 
My mother contacted them on XX/XX/XXXX of 2023 in order to be approved for forbearance ; they checked both my and her credit again, negatively affecting our credit scores for a third time. 
At that time, I received an email from Sallie Mae stating I had been approved for forbearance. When I called again in XXXX to make a payment, they informed me I owed way over the amount that I was supposed to pay upon being approved for the forbearance again, and then said I had used all of my forbearance even though I had just applied in XXXX and they continued to state that my loans were going to default. My account was never actually in forbearance, and they have not followed through on what they stated in an email sent on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2023, I went into TD bank and printed out a new debit card, while I was there I asked the women who printed my card if I would be able to open a savings account. She said yes, and opened my savings account. She advised me that I would have to have over {$300.00} in the account so that I wouldnt be billed. I told her OK, and that I would put the money into The ATM once I had a chance. Later that same night around around XXXX XXXX I arrived at TD Bank with {$550.00} cash and put it into my savings account using my debit card. The lady who opened my savings account never told me that my debit card was not linked to my savings account. With me, not knowing that my debit card was not linked to my savings account. When the ATM asked me did I want to deposit my money into my savings account or my checking account I clicked savings account thinking my debit card was linked and knowing I had to have at least {$300.00} in the savings account. Thinking my money would be secured because I deposited the money into a TD Bank atm I waited to see the funds in my account, I gave it 24hrs and I still did not see the funds in my account, I called the customer service line and they did virtually nothing for me except accuse me of lying. I made time to go to the branch where I originally deposited the money and they filed a dispute. They advised me to wait 3~7 days for a provisional credit, I called multiple branches and the customer service line multiple times just for them to dismiss my concerns and accuse me of never putting this money into THEIR ATM.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CarMax, Inc.
State: CA

Complaint narrative:
CarMax collected more money than the actual auto loan amount documented in the contract dated XX/XX/XXXX. I paid more than the auto loan amount based on CarMaxs intentional fraud, discrimination, and retaliation. CarMax keeps abusing the account balance and send fraudulent notices to repossess monthly aiming to steal more money illegally. CarMax keeps adding undisclosed charges, fees, and interests illegally to rip-off the American People. On XX/XX/XXXX, I sent CarMax an official Notice of Intent to Sue CarMax in the United States District Court - Central District of California. CarMax refused to respond and escalated the retaliation and fraud. This formal complaint is to hold CarMax accountable in the federal court. CarMax is refusing the only demand which is to close the account in good standing and to notify the State of Californias DMV to transfer the ownership as the account was paid in full and was never late. A class action against CarMax is underway due to its intentional and systematic corruption and crimes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 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 2023-12-26 00:00:00
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are fraudulent account and inquiries on my credit report that need to be removed ASAP : XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2023 and a balance of {$18000.00}. 
XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/2023 and a balance of {$46000.00}. 
Inquiry from XXXX XXXX, XXXX XXXX on XX/XX/2023.

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 2023-12-26 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I, a Federally protected Consumer, have contacted the companies and credit reporting agencies several times via USPS mail in regard to reporting inaccurate information on my consumer reports to no avail. These inaccurate inquiries are effecting my Rights and lending power. According to the Fair Credit Reporting Act 15 USC 1681 inaccuracies should be removed after an investigation of at least 30 days, I have contacted these companies including the credit reporting agencies starting in XX/XX/XXXX and there are still reporting inaccurate information on my report. I have even opted out which is my right to do so according to 15 U.S.C. 6802, 16 CFR 313.1-2, and The Privacy Act of 1974.

There are still several addresses on my report and there is only one address that is deliverable to me by the USPS this needs to be resolved 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 2023-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
In XXXX of 2022, a collection was sent to Caine and Weiner for an amount that was owed to XXXX XXXX XXXX. The debt was paid directly to XXXX via credit card. The debt is no longer owed and this debt collector should not be reporting to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting 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:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEB
TS XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. I did dot give them permission to check my credit you will not find my signature on these XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX  {$11000.00} Capital One - {$890.00} THANK YOU XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: AK

Complaint narrative:
I took out a loan in XXXX  for {$8000.00} with XXXX. The original interest rate was somewhere between 8 to 10 %. I was able to make regular minimum payments plus additional funds for the first two years but then the Great Recession hit and like many others I struggled with finances for a couple of years. I believe at that point is when the interest rate increased to a much higher rate of 25 % and I incurred penalties and fees even though there was some accommodation by XXXX and OneMain financial to help during that period. 

In the location where I was, the income was not always steady but I did my best to keep up regular payments in years to follow. At one point I had enough to make a larger {$4000.00} payment against the principal in an effort to reduce amount of interest. When I made that larger payment I also called one main to request that the interest be dropped to the original loan agreement and one main said that they would not do this. I continued making regular payments usually not much above the minimum. 

At one point, about 15 years after the original loan agreement it started to occur to me that I thought I'd payed substantial amount against this original {$8000.00}. Unfortunately I had gone through a number of personal losses and a divorce which left me without a record of payment. I then requested from OneMain financial, on more than one occasion, for a payment history. Each time I was diverted to another agent put on hold and ultimately never able to get the record until just recently in the last month. Upon receiving the payment history I went through and added all of the payments of which total just under {$23000.00}. 

In the downloaded documents section of this complaint I have included screenshot images of the payment history which include my adding up of all total payments on the cover page sent by OneMain, as well as the first page of the payment history, and the last page of the payment history to demonstrate how I documented the statement of account. 
Each page has a highlighted line showing the payments on the page and the total at the bottom. All the totals from each of the 35 pages was then added together to find the total payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are fraudulent account and inquiries on my credit report that need to be removed ASAP : XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$2200.00}. 
XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$2200.00}. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX opened on XX/XX/XXXX and a balance of {$3100.00}. 
XXXXXXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 
XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$18000.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$46000.00}. 
XXXX from XXXX XX/XX/XXXX. 
XXXX from XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX The following personal information is incorrect. Please remove it from my credit report 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

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