vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-01 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: NC

Complaint narrative:
Capital one credit card company charges fees on the same day that your bill is due. My bill is due on the XXXX of each month. Like most companies you have until midnight of the due date to get your payment in. However, Capital one takes advantage of customers and charges them a late fee if payments are not processed by XXXX on their time schedule the bill is not due. This is should not be legal. You are still using the automated system and it is still the due date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-01 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on the response of Equifax Credit Bureau about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : 1. XXXX XXXX XXXX Date XX/XX/XXXX ; 2. XXXX XXXX Inquiry Date XX/XX/XXXX ; 3. XXXX XXXX XX/XX/XXXXInquiry Date XX/XX/XXXX ; 4. XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; 5. XXXX XXXX XXXX Inquiry Date XX/XX/2020 ; 6. XX/XX/XXXX Inquiry Date XX/XX/XXXX; 7. XXXX XX/XX/XXXX Inquiry Date XX/XX/XXXX ; 8. XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; 9. XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2020 ; 10. XXXX XXXX XXXX Inquiry Date XX/XX/2020 ; 11. XXXX XXXX XXXX Inquiry Date XX/XX/2020 ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: Synovus Bank
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America still hasnt credited my account in full for my missing credit and has been giving me problems pertaining to my other dispute for over XXXX as well as sending me letters that are fraudulent pertaining to what I have said. I never said I was only missing XXXX and they have been working on several disputes for almost a year now They have refused to add notes so when Ive called they have told me no notes were left etc. Someone from their bank is purposely screwing up my account and keeping my money as far as im concerned and now i cant access my account. As far as im concerned they are stealing money from my account. I want my money back and i want them investigated now.

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 2021-11-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I had a SYNC/TJX COS Credit Card I was never late or delinquent on any payments. I had a XXXX balance on this card and the Creditor closed the account due to inactivity or because it wasn't used as frequently. The creditor closed the account without my knowledge or permission thus affecting my Credit negatively

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 2021-11-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that the XXXX Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX are reporting inaccurate information on BK OF AMER ( Account no. XXXX ) Also, I tried contacting the Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-11-01 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: MD

Complaint narrative:
i Have sent Transunion over 20 letters regarding fraudulent inquires & they send me letters back saying, that i need to reach out the creditor directly, i sent the letters to each creditor directly every 30 days for the last 4 months with no response. Transunion is the only company that responds but they say to reach out to creditor, i have ask Transunion and each creditor to provide me with written consent or a signature proving that i indeed made these inquiries and both companies fail to provide me with this data, therefore i would like these unauthorized inquires removed immediately. I have also spoken to over 20 representatives at Transunion about this matter and none of there representaves will help me with this problem. each inquiry is unauthorized by me and i did not authorize any of these inquires. 

inquires XXXX XXXX XXXX XXXX/XXXX 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 explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Clearing House of America, Inc.
State: KY

Complaint narrative:
This company is in violation of several FDCPA laws. This company is reporting unverifiable and inaccurate information on my credit report. I demand this company to send a validation of debt letter also Pursuant to 15 USC 1692c ( c ) I am notifying this company in writing that I refuse to pay this alleged debt, and I am also demanding that this company cease all forms of communication with me through any and all mediums.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This particular account is reporting inaccurate information on NAVY FEDERAL CR UNION XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
Yea they toke all my information n they blocking all my bank accounts n taking my money n XXXX n California state lottery

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT FKA XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: World Acceptance Corporation
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXXedit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : WORLD FINANCE XXXX Balance {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX & XXXX Inquired on XX/XX/XXXX ; XXXX - XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX - AUTO FINANCE Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Please be advised this is my fourth written request and final warning that I fully intend to pursue litigation in accordance with the Fair Credit Reporting Act ( FCRA ) to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section XXXX16 and Section 617 regarding your continued willful and negligent noncompliance. 
Experian is the company that reported the unauthorized, invalid, and fraudulent account on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the documentary evidence, and verify the information reported on the credit report is mine and correct. In the results of your first investigation, you stated in writing that the disputed account was valid and reported accurately. You are violating the FCRA because I have not signed any documents to acquire credit from the account noted on my credit report. Thus, the account was made without my authorization and for no legitimate business purposes. 
Please also be advised that I have also contacted the following company. Since they have no proof of this account being mines, written or verbal, I ask that you delete the video unauthorized & invalid account from my credit report immediately. 
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 Univariable 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. 
IMPORTANT : The following credit account is not mines. Please reinvestigate this matter and delete the disputed items as soon as possible, before I am forced to take legal action against your company. The law is very clear as to the civil liability and the remedy available to me ( 15 U.S.C. 1681 et seq. ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA The account that I am requesting to have removed is the following 1. 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 explanation
Consumer complaint received 2021-11-01 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: Westlake Services, LLC
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on WESTLAKE FINANCIAL SVC. Please " Remove '' the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I reported fraudulent charges on my Macy American Express and the company is denying that fraud charges and billing me for the charges. I informed the company that my credit card information and identify was compromised online and I didn't authorize the charges.

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 2021-11-01 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: BARCLAYS BANK DELAWARE
State: KS

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that the XXXX Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX are reporting inaccurate information on BRCLYSBANKDE ( Account # XXXX Balance : {$0.00} Date opened : XX/XX/2015 ). Also, I tried to reach out to the Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-11-01 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: FL

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX Inquiry : XXXX XXXX, XXXX ; 2. XXXX Inquiry : XXXX XXXX, XXXX ; 3. XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; 4. XXXX XXXX XXXX Inquiry :  XXXX XXXX, XXXX ; 5. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; 6. XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX ; 7. XXXX XXXX Inquiry : XXXX XXXX, XXXX ; 8. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; 9. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; 10. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: CO

Complaint narrative:
I am submitting this complaint on my own behalf without the help of anyone/anything other than publicly available laws. I authorize Equifax to comply with my demands. 1. Notice, it is a fact, that I submitted an identity theft report to Equifax, the receipt of which Equifax confirmed on XX/XX/2021 at XXXX mountain time. ( See Exhibit ).

2. Notice, it is a fact, 15 U.S. Code 1681c- 2 states : except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft not later than 4 business days after as information that resulted from alleged identity theft not later than 4 business days after the date of receipt by such agency of a copy of an identity theft report.

3. Notice, it is a fact, as of this date and time on XX/XX/2021 at XXXX mountain time, Equifax has not complied with the block. 4. Notice, it is a fact, at this point in time, Equifax has been in possession of the Consumer demand to block information resulting from identity theft for 16 calendar days.

5. Notice, it is a fact, Equifax is in violation of 15 U.S. Code 1681c-2.

6. Notice, it is a fact, 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) states : Any person who willfully fails to comply with any requirement under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure.

7. Notice, it is a fact, Equifax has not responded to my Declaration of Truth, dated XX/XX/2021. 
8. Notice, it is a fact, Equifax has not complied with demands in my Notice of Cease and Desist regarding violations of the congressional declaration of permissible purpose dated XX/XX/2021. 
9. Notice, it is a fact, Equifax is violating conditions of my cease and desist by reporting information to be excluded pursuant to 15 U.S. Code 1681a ( d ) ( 2 ).

10. Notice, it is a fact, Equifax is willfully noncompliant with federal regulations regarding a valid identity theft report as defined in 15 U.S. Code 1681a ( q ) ( 4 ).

Company response to consumer: Closed with explanation