vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I opened an online checking and savings account at Bank of America. 

XXXX minutes later I received an email stating that the account had been approved and that I had 30 days by which to visit a local banking office and deposit funds in to the account. 

On XX/XX/XXXX I visited Bank of America XXXX XXXX and at the counter deposited XXXX checks totaling {$18000.00}. I asked that {$9000.00} be deposited in checking and {$9000.00} be deposited in savings. The teller at the counter asked me for XXXX forms of identification, which I provided, the teller took my Ids made photos copies and then asked my to sign the deposit slips and other paperwork. The teller then informed me that because the account was new that a hold would be placed to the checks until XX/XX/XXXX. I stated that I understood, wished them a XXXX XXXX XXXX and left. 

On XX/XX/XXXX I received the Bank of America debit card in the mail and when I attempted to activate the card I was told that the card account was unavailable and did not exist. 

On XX/XX/XXXX I attempted to deposit some checks using the mobile app and was unable to. I was then prompted by the app to call Bank of America and set up mobile checking deposit. 

On XX/XX/XXXX I called the number provided and was told that my account had been flagged as fraudulent and was closed because Bank of America could not verify my identity. As a former XXXX XXXX XXXX XXXX  XXXX XXXX Agent, and now a XXXX  I have never had any trouble with any institution being unable to verify my identity. 

On XX/XX/XXXX I was informed that Bank of America had closed my account on XX/XX/XXXX less than XXXX hours after I visited branch XXXX and deposited {$18000.00} on XX/XX/XXXX. 

Bank of America successfully cashed both checks and withdrew the funds from the Government XXXX XXXX XXXX XXXX on XX/XX/XXXX and then proceeded to close my account on XX/XX/XXXX. 

On XX/XX/XXXX Bank of America notified me that I should be receiving my funds in XXXX to XXXX weeks by mail in the form of a cashiers check. 

Every person I spoke with was extremely dismissive, unprofessional, and completely lacked any knowledge or ability to help me in any way. It was extremely evident to me that the employees at the Bank of America were simply reading back to me what they were looking at on a computer screen.

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 2023-01-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX  days, and more. As the original creditor, only I can validate the debt therefore XXXX requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.

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 2023-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.

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 2023-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Occupational Management Group, LLC
State: TX

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX My account has been paying XXXX XXXX for some time now, I have discovered by doing a thorough audit of my accounts. 

I have no idea who they are. 

I have no documentation in writing who they are, who they represent, what debtor they allegedly represent, what the debt allegedly is, when the alleged debt was. As such, my rights to dispute the alleged debt, along with other civil rights, were violated under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I received a credit alert stating my account is 30 days past due and now delinquent. As per XXXX payment was not received for XX/XX/22, which I have 10 days before I am charge a late fee and 29 days before it is delinquent. As per XXXX payment for XX/XX/22 was 30 days past due, However payment was received on time. For the past 2-3 years payments towards my Nissan Motor car loan was paid before the 30 day past due mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-04 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: NC

Complaint narrative:
I have been fighting Transunion for many years regarding two fraudulent accounts showing on my credit report. XXXX and XXXX have removed the accounts but Transunion will not follow suit. I have a right as a consumer to have a true and correct credit report which at this moment I do not. I sent in an Identity Theft Report for the two accounts in question and still they remain. I recently spoke with a Transunion rep who informed me that Transunion does not do any investigating. The only thing they do is alert the creditor that the consumer raised a dispute and go solely off their word even if we send documentation supporting our claim which I did twice now. I feel that as the furnisher of the data people look at to extend credit they should have more responsibility. It is unfair to us as the consumers for them to not ask any questions or care about our side of things. The only solution the rep gave was to file a complaint here but as far as my report they were not going to help and I feel that is wrong. I hope that something is done about their dispute process and that these two accounts are finally removed. All of Transunion calls are recorded so it should be easy to verify everything I was told.

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 2023-01-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have file serveral disputes with Capital One, Capital One they have fail to delete transactions and experiences between XXXX XXXX and Capital one. The FCRA Specifically said 15 USC 1681a ( 2 ) ( i ) Exclusion accept as in paragraph 2 term Consumer report does not include transaction and experiences. ( # XXXX XXXX, XX/XX/2022, / 90 Days ). Capital One has repeatedly reported transactions and experiences that they listed. According to your Law according to your FCRA transactions and experiences or not included on the consumer report. This is a formal complaint for and FCRA Violations by Capital ONE for this person. 
Tracking # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the below account has violated my federally protected consumer rights to privacy and confidentially under 15 USC1681 by not reporting accurate information in my credit report. 

Acct : XXXX XXXX XXXX XXXX ( XXXX ) share draft account # XXXX has been fully paid and closed on XX/XX/2020 and should be deleted not be reported as a negative charge off on my credit report affecting my credit worthiness as a consumer in good standings. Attached is a letter from XXXX XXXX XXXX confirming my statement above. 

*15 USC 1681 Sec 602a states I have a right to privacy.

*15 USC 1681 Sec 604a states a consumer reporting agency can not furnish an account without my written instructions.

*15 USC 1681 Sec 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 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 2023-01-04 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the below account has violated my federally protected consumer rights to privacy and confidentially under 15 USC1681 by not reporting accurate information in my credit report. 

Acct : XXXX XXXX XXXX XXXX ( XXXX ) share draft account # XXXX has been fully paid and closed on XX/XX/2020 and should be deleted not be reported as a negative charge off on my credit report affecting my credit worthiness as a consumer in good standings. Attached is a letter from XXXX XXXX XXXX confirming my statement above. 

*15 USC 1681 Sec 602a states I have a right to privacy.

*15 USC 1681 Sec 604a states a consumer reporting agency can not furnish an account without my written instructions.

*15 USC 1681 Sec 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 explanation
Consumer complaint received 2023-01-04 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the below account has violated my federally protected consumer rights to privacy and confidentially under 15 USC1681 by not reporting accurate information in my credit report. 

Acct : XXXX XXXX XXXX XXXX ( XXXX ) share draft account # XXXX has been fully paid and closed on XX/XX/2020 and should be deleted not be reported as a negative charge off on my credit report affecting my credit worthiness as a consumer in good standings. Attached is a letter from XXXX XXXX XXXX confirming my statement above. 

*15 USC 1681 Sec 602a states I have a right to privacy.

*15 USC 1681 Sec 604a states a consumer reporting agency can not furnish an account without my written instructions.

*15 USC 1681 Sec 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 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 2023-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I was contacted by Ability Recovery Services over the last three months and they have already listed a " Collection '' with my credit agencies hurting my credit score.

I have-on every occasion- asked them to provide me proof that this debt is mine... they refuse to do it. 
I wrote a letter to them sent it certified return receipt wherein I requested information on the original creditor : name, address, account number. If the debt started with another creditor their name address and account number and the date the debt was transferred. 
I asked for a copy of the original contract between me and the original creditor to prove it's a valid debt ... .the date this debt became delinquent and an itemized payment history, I asked if any fees have been added I asked if they they had a debt collector license in Georgia and if so provide the name on the license and the license number plus the name of the state agency that granted the license. 
I told them that I dispute the debt. 
They received the letter on XXXX and acknowledged such but told me they did not have to provide me with anything! 
They refuse to show the collections reported to the bureaus as being in dispute.

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 2023-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-04 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation