vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I Have Reached Out To Capital One Several Times Regarding Financial Auto Loan. & they have refused to help me Im really confused. And would like some assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XXXX XXXX I received a copy of my credit report in noticed a ton of collection account accounts for medical bills. I have no knowledge of these accounts. I reached out to the credit bureaus to investigate and provide me evidence that these accounts belong to me. I have not received anything from the original creditors nor the credit bureaus. These accounts are highly effective to my credit report in a negative way. It has charges repeated on my report from the same agency.

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 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Advanced Resolution Services Inc.
State: MA

Complaint narrative:
Dear Advance Resolution Service, I have been waiting over 60 days since you didnt respond to my dispute for inaccuracy you are reporting on the bankruptcy record # XXXX with the inaccurate case number because you are reporting it as XXXX. Case number XXXX is inaccurate because it is supposed to be XXXX and not XXXX. 
The FCRA 15 u.s.c. 1681i for the law that said, because you have failed to respond to my dispute letter of XX/XX/2022 for more than 30 days you must remove or delete this inaccurate information. Delete this Bankruptcy immediately. 
I disputed this inaccuracy on XX/XX/2022 the by us certified mail tracking number XXXX to the mailing address XXXX XXXX XXXX, XXXX XXXXXXXX XXXX OH XXXX, and you received and signed for it on XX/XX/2022 as shown on the supporting documents I attached to this complaint. 
I also called you several times on XX/XX/2022 asking you regarding this matter but you responded that you had received the dispute, but you ignored me by sending me a previous dispute response from XX/XX/2022. 
This Violation must stop because as a consumer we are protected by the law 15 u.s.c. 1681i.

Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate.

Delete or remove this Bankruptcy because youre reporting inaccurate information on my consumer report. 
Sincerely, todays date XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: GA

Complaint narrative:
In accordance to the Fair 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 an 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 explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
Simply put I am desperately trying to keep my license. But they gave a threat of being suspended again if I don't keep up with install payments. Times are so tough I'm not willingly expecting to miss a date but something has come up and I'm short. Is there ANYTHING we can do to stop this abuse. I can't work with out my license which will leave me even deeper in the whole if they take them away here in XXXX FL. My first payment of XXXX us dollars was XX/XX/2022. XX/XX/2022 I actually got my license back with my clearance letter. But I had to pay over {$200.00} dollars when I was only expecting to pay XXXX give or take a lil. I really need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have repeatedly contacted XXXX XXXX, XXXX, EQUIFAX AND XXXX, regarding this erroneous and fraudulent Bankruptcy that they continue to report on my credit file. I have sent in evidence that this bankruptcy - case # XXXX does not belong to me. Can your company please help me resolve this matter ASAP. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: AR

Complaint narrative:
I have repeatedly contacted XXXX XXXX, XXXX, XXXX AND EXPERIAN, regarding this erroneous and fraudulent Bankruptcy that they continue to report on my credit file. I have sent in evidence that this bankruptcy - case # XXXX does not belong to me. Can your company please help me resolve this matter ASAP. 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 explanation
Consumer complaint received 2022-04-23 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: AL

Complaint narrative:
XXXX account XXXX, XXXX XXXX XXXX account XXXXXXXX XXXX XXXX  account XXXX, XXXXXXXX XXXX account XXXX, In accordance with the Fair Credit Reporting act XXXX these accounts 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.

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 2022-04-23 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: AL

Complaint narrative:
XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXXXXXX XXXX account XXXX, XXXXXXXX XXXX account XXXX, In accordance with the Fair Credit Reporting act XXXX  these accounts 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
On XX/XX/2022, I was browsing XXXX XXXX  and was shown and advertisement for Apple Card by Goldman Sachs. The promotion was for a {$75.00} welcome bonus. I clicked the " Apply Now '' button, went through the application process, and was approved. On XX/XX/XXXX, I chatted with a Apple/Goldman Sachs specialist who confirmed that I met the terms of the promotion and stated that I should receive it within 30 days of meeting the promotion terms. It has now been 45 days since meeting the terms and I still have not received the {$75.00} welcome bonus. Other customers online have reported receiving the welcome bonus within 24 hours of meeting the terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-23 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX / XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX UNIVERSITY Account # XXXX COLLECTION Account # XXXX COLLECTION Account # XXXX COLLECTION Account # XXXX COLLECTION Account # XXXX COLLECTION Account # 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 reporting 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 2022-04-23 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: GA

Complaint narrative:
In accordance to the Fair Reporting Act XXXX XXXX  - 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 an 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 2022-04-23 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 to the Fair Reporting Act XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: OH

Complaint narrative:
I HAVE REQUESTED THE CRA 'S TO FURNISH VERIFICATION OF ORIGINAL DOCUMENTS TO SUPPORT THEIR REASON FOR REPORTING ALLEGED DEBT ON MY CREDIT REPORT AND THEY HAVE FAILED TO DO SO. IT IS MY RIGHT AS A CONSUMER TO REQUEST SUCH INFORMATION UNDER " The Freedom of Information Act, 5 U.S.C. 552, is a federal freedom of information law that requires the full or partial disclosure of previously unreleased information and documents controlled by the United States government upon request '' XXXX XXXXXXXX ( EQUIFAX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX EQUIFAX ) XXXX  XXXX ( EQUIFAX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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 to the Fair Reporting Act XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the fair credit reporting act. XXXX Trans Union XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


According to the 15 USC 1681 section 602 A States I have the right to privacy. 


These addresses, phone numbers and employment history are incorrect on my credit report. 


Names : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX XXXX XXXX XXXX  XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX Phone Numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Employment History : Boss Republic Self Employed

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 2022-04-23 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: MI

Complaint narrative:
Experian continues with shenanigans, refusing to follow 15 USC 1681 ( b ) where I have not provided a written instructions on how to furnish information on MY consumer report. As the law states. They continue to report accounts that HAVE INCORRECT BALANCES. LATE PAYMENTS WHICH IS THE EXPERIENCE of the CONSUMER. NOT THE ACCOUNT. WHICH IS a part of 1681- without the written instructions of how to furnish this information they have chosen to negatively report this information. Which is a direct violation of 15 USC 1681 ( b ). They think I work for them and not the other way around. This has deeply influenced my ability to SURVIVE in this world! DURING the PANDEMIC and shortly after, things were VERY TOUGH. Looking at my history from the 20 yrs before it where I HAVE NEVER MISSED ONE PAYMENT OR EVEN BEEN LATE! You might conclude this may have had an impact on my ability to live. Like millions of others in the UNITED STATES. They continue to do what they feel is appropriate not by what the law allows. This is why the law states you need written instructions how to furnish information. Experian needs to follow laws that CONGRESS HAS PUT INTO EFFECT LONG BEFORE. They are controlling a market that is keeping people in poverty! Directly impacting their ability to further SURVIVE. Do they not see how financial stability provides for every other stabilization in someones life? XXXX, physical health FYI- your directly impacting the health and wellness of this country. People that lose the ability to get another place to live and car to drive end up on the street. Not where our population needs to evolve too. STOP pushing people into the street. You are not helping this country or anyone! FOLLOW THE LAWS-stop being the problem and commit to a solution!

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 2022-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
On XX/XX/22, someone fraudulently applied for a credit card with Bank of America in my name. I was alerted by XXXX via text of the Credit Inquiry attempt. 
On XX/XX/22, I received a text from Bank of America stating that my credit card application had been approved and I would receive my welcome packet in the mail within XXXX business days. 
On XX/XX/22, I received a text from XXXX that Bank of America had successfully inquired into my credit. 
On XX/XX/22, after receiving the text, I contacted XXXX about the fraud and had a freeze placed on my credit. I also contacted Bank of America to alert them to the fraud. I was told someone opened a credit card on XX/XX/22 in my name, using my current address. The card had been issued and {$3000.00} had already been charged for an XXXX. Bank of America has placed an entire block on the card ending in XXXX so it can't be used for any other transaction, be it a credit charge, ATM withdrawal, etc.

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 2022-04-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
My Mom opened a Citizen bank checking account several years ago. I was put on the account so i could help her if necessary. Just before we left the bank the banking repressive asked her to open a line a of credit with the account. I said that was not possible because I was in the middle of a divorce and my attorney told me to open no new accounts involving credit. They was perfectly clear that as long as I didn't sign the promise to pay I was not involved with the line of credit. They assured me I was not involved with the line of credit. They would not put me in jeopardy like that. They also tried pushing a credit card on her along with other products they had. She took the line of credit and declined the rest. The agent tried to push other products until I stooped her and told her my father had just died and now was not a good time for time. Fast forward to present day my mom defaulted on the line of credit due to the fact she is in a XXXXXXXX XXXX. I think is a similar thing like people went through will XXXX XXXX were the bank agent was looking to make commission or quotas. The was told I could not be a part of this line of credit and I was told I was not on this line of credit. And now the bank is trying to collect from me. They are guilty of frauds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I got behind in XXXX when I fell and broke my hip. Started to pay as agreed and got behind again by 3 months and brother helped me in XXXX. In XXXX I took the Covid Relief and the loan is current right now. My husband passed in XXXX of XXXX and i've been struggling with this mortgage this entire time to do a modification. They said they would not work with me until I had provable income and I started getting social security in XXXX of XXXX. I continually struggle to get in contact with them and am consistently giving the runaround. I've emailed, I've called, and there is just no response. I was told to contact this person and he refuses to respond to any contact email or phone. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ext 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 2022-04-23 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: OH

Complaint narrative:
I HAVE REQUESTED THE CRA 'S TO FURNISH VERIFICATION OF ORIGINAL DOCUMENTS TO SUPPORT THEIR REASON FOR REPORTING ALLEGED DEBT ON MY CREDIT REPORT AND THEY HAVE FAILED TO DO SO. IT IS MY RIGHT AS A CONSUMER TO REQUEST SUCH INFORMATION UNDER " The Freedom of Information Act, 5 U.S.C. 552, is a federal freedom of information law that requires the full or partial disclosure of previously unreleased information and documents controlled by the United States government upon request '' XXXX XXXXXXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX EXPERIAN ) XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX ( 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 2022-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/2022 SUBJECT : Bank of America, taking out more money than current balance on their XXXX XXXX XXXX Card, even after multiple request. No way to set it up in a way over phone of online, that only balanced owed is payed. 

Hello CFPB, I have heard great things about your agency and helpful employees. 
Bank of America is intentionally Bank of America, taking out more money than current balance on their XXXX XXXX XXXX Card, even after multiple request. No way to set it up in a way over phone of online, that only balanced owed is payed. ( meaning pay only " current balance ''. 

As a good citizen, i pay my balance before the due date ( or at least portions of it ). On the due date full statement balance is getting paid ( instead of current balance ). So my balance is always in credit ( negative ) and Bank of America is not refunding this unless asked. They are enjoying customers money ( credit balance ) for free and probably investing it. 

Please help to set it up " current balance '' is paid. At this point, this is not possible online or over phone ( screenshot 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 explanation