vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-01 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: GA

Complaint narrative:
I have XXXX, 30 day late payments on my credit report. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ALL of 2021, I have sent 15 USC 1605- Determination of finance charge, 15 USC 1666b- Timing of payments 15 USC 1681 b- Permissible purpose, 15 USC 1681 a ( 2 ) ( B ) Exclusion from consumer reports. With no remedy., They told me they are having difficulty identify me.

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 2022-02-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was told that I had a late fee for XXXX of 2021, I ask if I could get the fee waived and was told no so with that I ask what was my total balance so that I could pay it and cancel the card, now they are telling me that I put the information in and I am saying that they did, but someone put my account number in wrong, now I have had the account for over twenty years to where I know my account numbers by memory, also they have yet to seen a letter to me saying anything about the mix up and just let the charge double and they also listed it on my credit report, for my credit score is in the XXXX 's, I pay my bills, this is the actions of a person or persons that have found a way to cause other people money and pain.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I looked at my most recent credit reports from XXXX, XXXX, and XXXX and found that accounts with Bank of America and accounts with XXXX XX/XX/XXXX that are paid in full was reported showing negatively against me as late payments. They reported negative and defaming information beginning XXXX of 2018. I have been denied credit and my creditworthiness has been compromised. I do not agree with the accuracy or integrity of the information they are reporting. I have researched throughout the CFPB and have found that : 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly Reflects the terms of and liability for the account or other relationship, Reflects the consumer 's performance and other conduct with respect to the account or other relationship, and Identifies the appropriate consumer.

12 CFR 1022 41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( 0 ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; Also that this is a violation against me according to 15 USC 1666 - Correction of billing errors

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 2022-02-01 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: HOME FINANCE OF AMERICA
State: NM

Complaint narrative:
I looked at my most recent credit reports from XXXX, XXXX, and XXXX and found that accounts with XXXX XXXX XXXX  and accounts with XXXX XXXX that are paid in full was reported showing negatively against me as late payments. They reported negative and defaming information beginning XXXX of 2018. I have been denied credit and my creditworthiness has been compromised. I do not agree with the accuracy or integrity of the information they are reporting. I have researched throughout the CFPB and have found that : 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly Reflects the terms of and liability for the account or other relationship, Reflects the consumer 's performance and other conduct with respect to the account or other relationship, and Identifies the appropriate consumer. 

12 CFR 1022 41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( 0 ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the XXXX has Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; Also that this is a violation against me according to 15 USC 1666 - Correction of billing errors

Company response to consumer: Untimely response
Consumer complaint received 2022-02-01 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: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I have requested debt validation which has not been provided to me. Since they have failed to provide proof that this debt is mine or that they even have authority to collect said debt, I would like for them to remove this account from my credit report. 

Account info as listed on credit report : Account # - XXXX Original Creditor - XXXX XXXX  Debt Amount : {$90.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022 @ XXXX I received a txt message from ( XXXX ) XXXX. Wells Fargo Fraud Alert- saying Did you attempt to do a wire transfer for the amount {$4500.00}? Reply Yes to authorize or reply no or 1 to decline transaction So I not knowing at all what was about to take place for the next two days I replied no. After they messaged me back Thank you for your confirmation Shortly after that I received a call from the same number. Stating Hello you are in the process of fraud. Someone has access to your account and wire transfers. We need to assist you on transferring your money to your new account. And mind you this entire time I am thinking that this is Wells Fargo on the phone. So after this we went through the process of transferring my money to my new account so I thought but no I was getting blindly robbed. Because I have never been through a account transferring process so I listened ever step and literally gave my money away. So after I realized What the XXXX that so called new account that the man on the phone made me was empty and my actual bank account was empty I knew there was something wrong. Immediately after I realized this witch was already FIVE DAYS LATER!!! I called Wells Fargo and complained telling them exactly what had happened. And now we are here TWENTY DAYS LATER!!!! On the XXXX of XXXX they just NOW get back to me saying they denied my claim based on what I told them on the phone they ARE ACCUSING ME, ME, the account holder, Of stealing my own money and taking part in the fraud. This is unheard of if I had taken place in this fraud!?! Why would I be filing a claim with Wells Fargo and filling a police report. If I had anything to do with this.

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 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I was added as an authorized user on a XXXX Credit card account. The bank informed me that report authorized users to all three major credit bureaus, but on my credit reports it is only being reflected by XXXX as of XX/XX/XXXX. So I am contacting you to please send letters to transunion and experian informing them that they are misrepresenting by excluding the XXXX account on there reports and subsequently hurting my overall credit score. I need them to accurately report my scores so that I can secure a line of credit for my business. Thank you in advance for your time, I greatly appreciate it. ( I also wanted to mention that I have proof of all three bureaus in the form of credit reports from annualcreditreport.com but it will only let me upload the one one this website. Please reach out if you would like the others. )

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 2022-02-01 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: PA

Complaint narrative:
I have been trying to dispute false inquiries on my Equifax. Equifax refuses to start a dispute which is a violation of my rights They never started the dispute They never updated the dispute They never gave me any results from the dispute it is now been almost two calendar years fighting the same false inquiries Even after multiple CFPB complaints Since, they do not have my authorization, written nor verbal I demand that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous lettersall sent Registered mailstated my reasons for an investigation and these reasons were not frivolous in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Unauthorized charges

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not consent to authorize nor benefit from the following inquiries. Block and remove them. 
1. XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX XXXX - XX/XX/XXXX 3. CLARITY/XXXX XXXX - XX/XX/XXXX 4. XXXX XXXXXXXX - XX/XX/XXXX 5. XXXX - XX/XX/XXXX 6. XXXX - XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX  XXXX XXXX XX/XX/XXXX 10. XXXX XXXXXXXX XXXX - XX/XX/XXXX 11. XXXX XXXX XXXX XXXX XX/XX/XXXX 12. XXXX, XXXX 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 2022-02-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2022-02-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Oklahoma Student Loan Authority
State: MA

Complaint narrative:
CEASE AND DESIST YOU ARE HEREBY ON NOTICE TO HAVE ALL MY DEMANDS COMPLETED UPON RECEIPT. 

This is a communication to cease and desist all communication and collection efforts pursuant to 15 USC 1692C ( c ). 

As the consumer, the natural person, natural creditor, administrator, and executor, I legally refuse to pay this alleged debt pursuant to 15 USC 1692C ( c ) and demand the following actions taken effectively ; 1. Pursuant to 15 USC 1692C ( c ) ( 2 ), I'm invoking my specified remedies as the creditor. 

2. Pursuant to 15 USC 1692C ( c ) ( 1 ), I hereby advise you to terminate all collection efforts. 

3. Pursuant to 15 USC 1692C ( c ) ( 3 ), I demand you delete all my accounts. 

SEND ME A COPY OF MY CONSUMER REPORT UPON COMPLETION. 

FAILURE TO COMPLY WITH MY DEMANDS WILL RESULT IN LEGAL ACTIONS AGAINST YOUR COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
When I updated my credit report this month, I lost more than XXXX points for debts that I have not paid, I checked my report and I see that someone opened a credit card in my name. Barclay Bank Delaware on XX/XX/XXXX with a credit limit of XXXX. I do not recognize that credit card and I have never been in possession of it. Therefore apparently my credit score dropped significantly.

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 2022-02-01 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: CA

Complaint narrative:
On XX/XX/2021 I paid XXXX XXXX the amount that was owed IN FULL via my XXXX Bank account ( statement is attached ). On XX/XX/2021 they reported it to a collection agency who reached out to me demanding payment. I disputed it with them saying it was paid in FULL. I never heard from them again. Now the XXXX XXXX account is showing on my credit, even though it shows it is paid. This is a violation of the FCRA. It should NOT be on my credit to begin with as it WAS paid BEFORE they sent it to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am at my wit 's end with this incompetent company. This is one of many complaints lodged against Ally. 

The gist of this one is that I paid off a summons that was related to my previous lease of a vehicle with Ally. I was on the phone with ALLY WHEN I PAID IT OFF AND RECEIVED WRITTEN CONFIRMATION THAT THE MATTER HAD BEEN SETTLED ON XX/XX/2022. SUMMONS # XXXX, XXXX Today in the mail, I receive a letter dated XX/XX/2022 referring to the same summons ( but associated with XXXX, when the toll authority was in Pennsylvania ) XXXX It was basically gibberish saying I hadn't paid it and that they paid XXXX of all places and it MADE NO SENSE, but referred to the same amount {$18.00} and the same summons # XXXX, XXXX. 

I can not deal with this nonsense. The company has horrible record-keeping, and I do not want to be on the hook for something I do not owe, and they seem to be unable to keep anything straight and communicate in a reasonable or coherent fashion. THEY ARE NEGLIGENT and CARELESS. All my issues with them deal with NEGLIGENCE IN RECORD-KEEPING. I've had enough, and want to move on with my life. Please make them stop bothering me with their idiocy.

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 2022-02-01 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 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
Consumer complaint received 2022-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF THE WEST
State: CA

Complaint narrative:
On XX/XX/2018 I accompanied my elderly mother into Bank of the West XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I explained to a woman that she could not hear and my mother gave explicit permission for me to answer questions for her. The account was approved, and around XXXX minutes later a gentleman by the name of XXXX XXXX - Branch Manager II Vice President came over and indicated to me we could not open an account for her because I was answering some questions on her behalf. He directly profiled me based on how I looked and how my mother looked. This was apparent. This individual should not be running any financial institution. Years later, I was having a problem with my account I opened, and he came over to me and indicated he was closing my account. Based on the fact a woman called me, about transaction history for my upcoming wedding. I have XXXX different accounts for my business. He said I didnt answer the calls regarding the account activity but this individual again passed judgement against me and without warning closed my account. Most of my personal bills and obligations come out of this account. I had multiple bad experiences with this individual XXXX XXXX - Branch Manager II Vice President who has given me no reason for his actions. I have disputes on my account now, and can not open a new account with this institution to receive provisional credit to pay my bills, which is against the law. This has caused me emotional, and financial stress. I plan on hiring an attorney regarding this situation and pursuing it as far as I possibly can.

Company response to consumer: Closed with explanation