vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-07 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: CA

Complaint narrative:
Ive been disputing XXXX collection accounts, as well as removing different variations of name, old addresses. Bureau is failing to comply, will not accept my letters sent to address. 
Stalling the process to take longer than 30 days investigation period, failing to provide adequate information on how they validated disputed items. They are not following fcra laws. 

They are stalling sending letters stating they can not process disputes sent by mail claiming it was sent by a third party, when I clearly sent all documentation to validate identity and stating it was not sent from a XXXX party.

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 2024-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Mercedes Benz Financial Services
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute an issue with Mercedes-Benz Financial Services regarding the refund of my Guaranteed Asset Protection ( GAP ) insurance and other purchased packages. Despite my efforts to resolve this matter directly with Mercedes-Benz Financial Services XXXX XXXX have yet to receive the refund I am owed. 

Account Information : Account Holder : XXXX XXXX Vehicle Identification Number ( VIN ) : XXXX Date of Vehicle Surrender : XX/XX/year> Issue Description : When my vehicle was surrendered, it included several packages that I had purchased, namely Wheel and Tire Protection Plus, Guaranteed Auto Protection ( GAP ), XXXX XXXX, and Extended Limited Warranty. None of these packages had expired at the time of repossession. 

According to the contracts, there are reimbursement policies for repossession, which entitle me to a refund for the unused portion of these packages. 

Despite multiple attempts to contact Mercedes-Benz Financial Services XXXX XXXX have not received the refund check for the XXXX insurance and the other packages. 

Attempts to Resolve : I have reached out to Mercedes-Benz Financial Services on multiple occasions via phone and email to request the status of my refund. Each time, I have been assured that the refund was being processed, but to date, no check has been received. 

This lack of action has left me with a balance from the repossession still reflected on my credit report, causing further financial harm. 

Request for Assistance : I am requesting the Consumer Financial Protection Bureau 's assistance to ensure that Mercedes-Benz Financial Services fulfills their obligation to issue the refund for the GAP insurance and other packages as stipulated in my contracts. The delay and lack of communication on their part are unacceptable and have caused me significant inconvenience. 

Please let me know if any additional information is needed to process this complaint. I appreciate your attention to this matter and look forward to a resolution soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I was offered a settlement amount on my account in which I paid full. I requested that the company update the account ti paid and delete the account from my credit report. They refuse to do so even after the money had been taken from my account. I disputed the incorrect information on my account and instead of deleting it they added several late payments to the account and are now stating I am past due over XXXX dollars which is the remaining amount they said I would not be responsible for. As a consumer this is hurting my credit profile and they are doing this intentionally. I want this account removed from my report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Dear Sir/Madam, I am writing to formally lodge a complaint against Bank of America regarding their recent actions, which I believe to be retaliatory and detrimental to my credit restoration efforts. Below, I have outlined the events and concerns in detail : 1. Submission of Complaint : On XX/XX/2024, I submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding issues I have been facing with Bank of America 's practices related to my credit. 
2. Bank of Americas Response : On XX/XX/2024, Bank of America contacted me to acknowledge that they had received the complaint. 
3. Unauthorized Withdrawal : On XX/XX/2024, Bank of America withdrew {$1100.00} from my bank account without my knowledge or consent. This unauthorized withdrawal appears to be in direct retaliation to the complaint I submitted. 

This unauthorized action by Bank of America has had several significant impacts : Financial Disruption : The unexpected withdrawal of {$1100.00} has jeopardized other scheduled bank drafts, causing potential overdrafts and additional financial stress. 
Lack of Communication : Bank of America did not inform me of their intention to withdraw these funds, exacerbating the situation and demonstrating a lack of transparency and communication. 
Retaliatory Nature : The timing and nature of this withdrawal suggest that it was retaliatory, stemming from my complaint to the CFPB. This raises serious concerns about the bank 's commitment to ethical practices and accountability. 

Additionally, Bank of America has consistently failed to take responsibility for the inaccurate information reported by credit bureaus. Their refusal to address these inaccuracies continues to harm my credit standing and overall financial health. 
I urge the CFPB to investigate this matter thoroughly. It is crucial to ensure that financial institutions adhere to fair practices and do not engage in retaliatory actions against consumers who exercise their right to submit complaints. 

Please find attached all relevant documents, including a copy of my initial complaint, Bank of America 's response, and evidence of the unauthorized withdrawal from my account. 

Thank you for your attention to this serious matter. I look forward to a prompt and just resolution.

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 2024-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I am disputing your claim based on the fact that I have no knowledge whatsoever of any account or transaction between myself and any business called Kimball , Tirey & St John LLP Nor is the account number you claim I have with you familiar in the least. 
You provided me with no information as to the nature of this account, any documentation that any such account exists ( outside of your letter claiming such, which does not suffice ). 
Next, I do not have any recollection of any valid contract involving me and the account to which you are alleging/referring too and believe none exists. Thirdly, I was the victim of identity theft & believe the account you may be referring to was opened fraudulently. Unless you can provide some sort of verification that a valid contract exists between myself and Kimball , Tirey & St John LLP, I do hereby request and demand that you refrain from sending me frivolous and unwanted correspondence which falsely claim to bind me legally or financially to an entity utterly unknown to me. If you persist in this claim, then I am legally entitled to demand that you validate your claim per UCC 3-501 ( b ), in order verify the existence of an account in my name which obligates me to you contractually and financially. 
Kimball, Tirey & St John LLP XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: IL

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 DEPTEDXXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX Account Number : XXXX and list of Inquiries. 

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 2024-06-07 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: IL

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 DEPTEDXXXX  Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX  Account Number : XXXX and list of Inquiries. 

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 explanation
Consumer complaint received 2024-06-07 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: NY

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 XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX and list of Inquiries. 

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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I was offered a settlement amount on my account in which I paid full. I requested that the company update the account ti paid and delete the account from my credit report. They refuse to do so even after the money had been taken from my account. I disputed the incorrect information on my account and instead of deleting it they added several late payments to the account and are now stating I am past due over XXXX dollars which is the remaining amount they said I would not be responsible for. As a consumer this is hurting my credit profile and they are doing this intentionally. I want this account removed from my report immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-06-07 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: NY

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 XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX and list of Inquiries. 

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 2024-06-07 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: NY

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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX and list of Inquiries. 

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 explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Dear Sir/Madam, I am writing to formally lodge a complaint against Bank of America regarding their recent actions, which I believe to be retaliatory and detrimental to my credit restoration efforts. Below, I have outlined the events and concerns in detail : XXXX. Submission of Complaint : On XX/XX/year>, I submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding issues I have been facing with Bank of America 's practices related to my credit. 
XXXX. Bank of Americas Response : On XX/XX/year>, Bank of America contacted me to acknowledge that they had received the complaint. 
XXXX. Unauthorized Withdrawal : On XX/XX/year>, Bank of America withdrew {$1100.00} from my bank account without my knowledge or consent. This unauthorized withdrawal appears to be in direct retaliation to the complaint I submitted. 
This unauthorized action by Bank of America has had several significant impacts : Financial Disruption : The unexpected withdrawal of {$1100.00} has jeopardized other scheduled bank drafts, causing potential overdrafts and additional financial stress. 
Lack of Communication : Bank of America did not inform me of their intention to withdraw these funds, exacerbating the situation and demonstrating a lack of transparency and communication. 
Retaliatory Nature : The timing and nature of this withdrawal suggest that it was retaliatory, stemming from my complaint to the CFPB. This raises serious concerns about the bank 's commitment to ethical practices and accountability. 
Additionally, Bank of America has consistently failed to take responsibility for the inaccurate information reported by credit bureaus. Their refusal to address these inaccuracies continues to harm my credit standing and overall financial health. 
I urge the CFPB to investigate this matter thoroughly. It is crucial to ensure that financial institutions adhere to fair practices and do not engage in retaliatory actions against consumers who exercise their right to submit complaints. 
Please find attached all relevant documents, including a copy of my initial complaint, Bank of America 's response, and evidence of the unauthorized withdrawal from my account. 
Thank you for your attention to this serious matter. I look forward to a prompt and just resolution.

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 2024-06-07 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: IL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief