vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-10 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: IN

Complaint narrative:
I recently received a copy of my Experian, XXXX and XXXX consumer report, and it has come to my attention that the company is reporting my transactions with their company to the consumer report. 

XXXX XXXX XXXX LATE PAYMENTS : XX/XX/2022 ACCOUNT # XXXX This company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my consumer report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, XXXX XXXX XXXX is in violation of 15 USC 1681.

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 2023-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Comerica
State: CA

Complaint narrative:
For the last couple of years, I have had an account ( DirectExpress ) that I was assigned by SSA, to received my SSI benefits into. Comerica Bank, an original debit account number XXXX with expiration date of XX/XX/XXXX was issued. Thru this account i was able to set up a XXXX XXXX Debit/Checking Acct, that can only be managed via online to transfer funds into. With XXXX I am able to pay rent and other utilities and thus it is indispensable to me. 
On or around the beginning of XX/XX/XXXX. I was sent a different card without any knowledge or request from my part. This card account number is XXXX, expiring XX/XX/XXXX. as evident, while the cards are both similar, apparently the second is of lower tier. No reason for switching, no request, not upcoming expiration date or the like. this new acct/card required me once again to reset everything. except that now my transfers to my XXXX checking account are not going thru. On XX/XX/XXXX, and XXXX, I spoke with two someones at CS from Comerica and neither could really assist me. I tried to reset the XXXX account entering the routing and account numbers several times to no avail. my transfer requests take 2-3 days and then they returned incomplete. I attempted these transfers since XX/XX/XXXX, and on at least 4 times and nothing. I am confused, upset. Comerica Bank did not have to switch me to another card. The system to set up link external accounts is absolete and redundant and customer service, not customer oriented and somewhat incompetent in their craft. i want answers! My ability to complete my financial obligations is being affected and I risk my mental and physical being with so many issues with Comerica Bank - Direct Express!. Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: AL

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. 

XXXX XXXX XXXX : XXXXXXXX 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 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 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 2023-04-10 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: IL

Complaint narrative:
My credit report score was being reduced every month by 1-4 points for low credit utilization since I pay my card off daily. To counteract that I used 15 % of my credit to recoup those loses to my score. Experian then reduced my score by XXXX points. Bringing me from XXXX down to XXXX. I filed a dispute with them and they gave me back XXXX of the XXXX points putting my score to XXXX. The hit was unfair and outside of their guidelines on credit utilization. I want the full points back and the credit bureau to hold these companies accountable for their inconsistent and opaque scoring practices that impact consumer borrowing costs.

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 2023-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
They continually harass me at work and home and have never provided me proof of debt or where I signed up for it. They have not provided account numbers or anything else required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: IN

Complaint narrative:
I recently received a copy of my XXXX, XXXX and TransUnion consumer report, and it has come to my attention that you are reporting my transactions with these companies to the consumer report. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXX Late Payment : XX/XX/XXXX thru XX/XX/XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX Late Payment : XX/XX/XXXX Department of ED/XXXX  ACCOUNT # XXXX Late Payment : XX/XX/XXXX and XXXX thru XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX Department of ED/XXXX  ACCOUNT # XXXX Late Payment : XXXX thru XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX The credit reporting agencies are in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my consumer report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Department of ED/XXXX  are in violation of 15 USC 1681. 

I have also sent certified letters with no reply. This is my final attempt.

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 2023-04-10 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: IN

Complaint narrative:
I recently received a copy of my XXXX, Equifax and XXXX consumer report, and it has come to my attention that you are reporting my transactions with these companies to the consumer report. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXX Late Payment : XX/XX/XXXX thru XX/XX/XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX Late Payment : XX/XX/XXXX Department of ED/XXXX  ACCOUNT # XXXX Late Payment : XX/XX/XXXX and XXXX thru XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX Department of ED/XXXX  ACCOUNT # XXXX Late Payment : XXXX thru XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX The credit reporting agencies are in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my consumer report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Department of ED/XXXX  are in violation of 15 USC 1681. 

I have also sent certified letters with no reply. This is my final attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020, I paid off this account in full and XXXX XXXX XXXX agreed to remove any negative marks on my credit report for this account. The amount they are claiming as a charge-off was actually the same amount that was paid to them. Therefore no money was charged off. My vehicle was totaled in an accident and the amount I paid was the deficiency amount left on the lease. XXXX is insisting that this is correct. I disagree how can they continue to harm my credit for an amount of money they collected nearly 3 years ago.

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 2023-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Someone keeps opening Bank of America ( BofA ) checkings accounts using my name, SSN, email, and home address. 

On XX/XX/2023 -- I received an email confirmation from BofA about a new Advantage SafeBalance Banking Account being activated. I did not open this account. I called the BofA fraud line and using my name & SSN, the agent was able to locate and close the account. 

On XX/XX/2023 -- I received another email about a new Advantage SafeBalance Banking Account being activated, but this time addressed to a " XXXX XXXX '' instead of my name. 

On XX/XX/2023 -- I received mail with a debit card from BofA for yet another account ( based on the last 4 digits, not one I got an email for ) that I did not open, using my name and home address. 

BofA has not responded to or helped with the incidents on XX/XX/XXXX and 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 explanation
Consumer complaint received 2023-04-10 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: TX

Complaint narrative:
Recently, I did an investigation on my creditr report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report under 15 U.S code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently, I did an investigation on my creditr report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report under 15 U.S code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-04-10 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: FL

Complaint narrative:
On XX/XX/XXXX, I made a phone call to the Experian regarding a dispute that came back as the company certified the the account was accurate. I asked how did the verify since I sent a certified validation letter to XXXX XXXX XXXX back in XXXX and they didn't response to me. The agent with the dispute department told me that they have 3 options to choose from and they responded that the account was accurate but doesn't have to send any supporting information/proof to them. 

I informed the agent that I had file a complaint with CFPB that shows that the dispute is still in progress so why are they showing that it was verified on the XX/XX/XXXX. The agent stated that she wasn't able to find anything that supports that I have a open compliant with CFPB and she would open another dispute. Each time I have tried to dispute the account with Experian it's has come back accurate or verified. I was told in XXXX, if I want the account to be validated, I need to reach out to the company that was reporting it. I did just that. I reached out to XXXX XXXX and asked them to send me the original contract and/or agreement bearing my signature as proof that this is my account. They didn't respond to me because they couldn't provide this information because I don't owe a debt to them and doesn't have a legally binding contact. 

I am very frustrated because Experian continues to violate the rights that I have been give by the FCRA and refuses to take any accountability their actions. I recently submitted a dispute regarding a Bankruptcy by certified mail and I confirmed that it was received by the company but the agent reported that there was no record of that as well. I have been dealing with both of these issues for months with Experian to no avail. 
This is not a issue that should be taken likely as negatively affected my ability to obtain credit and meet the needs of my family.

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 2023-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
ACCT : XXXX XXXX ending in XXXX I, the consumer and natural person, was denied credit by Capital One Bank when I applied for a credit card and it was closed by the company. 


Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

They are subiect to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by Capital One due to the response I received.

Capital One is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was taken away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/XXXX  I received in the mail an unsolicited credit card from Bank of America entitled the Allegiant World Mastercard. A few days before the card arrived, I received an email from Bank of America advising me that the credit card was on its way, see attached. I checked their website and sent an email to XXXX and asked for a copy of the application used to process the new card so that I could determine if this was a case of identity theft. I received notice of their receipt of my email request but they have done nothing and did not reply to my request for documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion has continuously neglected to remove fraudulent listed accounts from my credit file, XXXX XXXX XXXX XXXX Judgement of repossession, Public Record/ - {$7400.00} XXXX XXXX XXXX  Pre paid card- {$330.00}. 
XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$30000.00} XXXX 's XXXX All Accounts, and alternate names such as XXXX XXXX XXXX {$820.00} XXXX 

I have filed a Police Report, report number # XXXX which is backed by the Federal Trade Commission, On all accounts listed showing up fraudulently ony credit report to that TransUnion are to remove immediately upon receipt of the Police Report, and Federal Trade Commission report numbers This is the first legal ( paperwork trail/ form of Documentation.

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 2023-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Driveway Finance Corporation
State: MI

Complaint narrative:
I am writing to express my deep concern about the current situation regarding my purchase of a XXXX XXXX account # XXXX from XXXX. I have been receiving statements for missed payments, despite not having received the car or the title. 

I purchased a car from your dealership, and at the time of purchase, I was informed that the car would be delivered to me within a few days. However, it has been several months, and I have yet to receive the car or any information about the status of the delivery. 

Additionally, I have not received the title for the car, which is necessary for me to register it and legally drive it. Without the title, I can not legally take possession of the car, and I am concerned that I will be held responsible for any damage or accidents that occur involving the car, despite not actually having possession of it. 

I have tried to reach out to your dealership multiple times to resolve this issue, but I have not received any response or assistance. As a result, I have been left in a difficult position, with statements for missed payments but no car or title. 

I hope that you will take this matter seriously and work to resolve it as soon as possible. I expect to receive the car and the title promptly or a full refund of my money paid for the car. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Closed my Secured Credit Card with credit line of {$10000.00} and never recieved my cashiers check. Did a stop payment and faxed it in customer service does not have any info on my faxed forms and can not get me my money deposited into my bank account which is the same one it was credited from. Been trying to resolve this since XXXX and Wells Fargo can not give me the answers I need to get my money or will not help 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 non-monetary relief