vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-25 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: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 


15 USC 1681 Section 602 states I have the right to privacy. 


15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I obtained an auto loan through BOA, which was abruptly closed without prior notification in XX/XX/2022. My last payment was made in XX/XX/2022 as scheduled. I have never missed or had a late payment prior to that, and always in great standing with the same business ( bank ) for 18 years. I was not able to continue making payments due to the action taken by the bank closing the account without providing notice of any such action going to take place. They have my contact number, email, and most current address all on file including the newest address when I had moved. The bank then reported it as a delinquent account to all 3 credit bureaus, which has affected my excellent score and credit history. They changed status from closed to open, upon my first complaint made which is showing only on transunion as open and claiming late payments ( of an account which was previously closed by them ). I attempted to resolve the issue directly, and they are claiming such negative remarks wouldn't be removed and that it would remain for approx. 7 years, even if I pay the balance. This was/is an unfair practice on their part for taking such an action. The comments differ slightly in each bureau, but all have the same negative standing. Please obtain all records from BOA on this claim to show the timeline of the events.

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 2023-02-25 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: VA

Complaint narrative:
XXXX. XXXX XXXX Account # XXXX {$1500.00} Wrong Amount 2. XXXX XXXX Account # XXXX {$1500.00} Wrong Amount 3. XXXX XXXX Account # XXXX {$1000.00} Wrong Amount 4. XXXX XXXX Account # XXXX {$330.00} Wrong Amount 5. XXXX Bank XXXX Account # XXXX {$450.00} Wrong amount 6. Credit XXXX XXXX Account # XXXX {$800.00} XXXX XXXX 7. XXXX XXXX Bank Account # XXXX Paid and was suppose to be removed XXXX. XXXX XXXX Bank Account # XXXX Paid and was suppose to be removed 9. 1st AccessXXXX Account # XXXX XXXX. XXXX XXXX  Account XXXX XXXX {$430.00} Wrong amount XXXX. XXXX Account XXXX XXXX {$430.00} Wrong amount XXXX. XXXX Account # XXXX Paid and was suppose to be removed These accounts has violated my rights : 15 U.S.C 1681 Section 602 A - 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c ( a ) ( 5 ) 15 U.S.C 1681s2 ( A ) ( 1 )

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 2023-02-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
1. XX/XX/XXXX - Charged XXXX on a Care Credit Care pushed to me by XXXX XXXX XXXX in XXXX, NJ. The card was suggested to me immediately upon my first diagnostic visit. 

2. XX/XX/XXXX - Terms of the card were explained to last 24 month, 0 % interest for a XXXX payment. 

3. XX/XX/XXXX - First close of billing cycle. Card 's due date was XX/XX/XXXX. XXXX 's payment amount was XXXX. Subsequent monthly payment amounts have kept changing online.They 're always lower than XXXX. 

4. XX/XX/XXXX- XX/XX/XXXX - Filed a complaint with Synchrony Bank. Felt I had been racially profiled. This card was not pushed to white patients. Also, the terms of the card were not fully explained. I have since moved out of state and my teeth still aren't fixed. 

5. XX/XX/XXXX- XX/XX/XXXX - Called the company several times. Told them I wanted to make a complaint. Was told I would be emailed and received no response. Complained via email again ( online at company site ) and was told that the company had ruled in the dentist 's favor. 

6. XX/XX/XXXX- Received a call from XXXX in XXXX XXXX Relations ( XXXX ) ( Extension : XXXX ). She told me she would review charges to see if I could be reimbursed for anything. 

XXXX. XX/XX/XXXX - Faxed XXXX appropriate documents at ( XXXX ). She told me I could not send scans via email. I have not received a response back as yet, but I am filing a complaint because I don't feel this company is going to 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 monetary relief
Consumer complaint received 2023-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XXXX XXXX XXXX I received a letter from Truist stating they didn't receive my payment for my credit card ending in XXXX by the due date. I did not previously receive a letter or communications from that that I had a balance due and did not check as this account was no longer active ( last transaction was from XXXX of XXXX ). I contacted them on or around XX/XX/XXXX, and notified them that the four XXXX charges ( on XX/XX/XXXX ) on my account were fraudulent and wanted them removed, and that I needed a new card number. 

They stated that the they noticed fraud on my account at the time ( XX/XX/XXXX ) of the transactions and stopped the transactions after the four that occurred to the XXXX store. They stated they sent me a letter about this possible fraud but I never received it. They let these transactions sit on my account and eventual cause a late fee and interest and a report to the credit reporting agency that I was 30 days past due. 
They assigned a case number of XXXX for my dispute and said they would resolve it in 90 days. 

I just checked my account and they are continuing to charge interest and late fees and have given me no additional info resolving and will not remove the late charges/interest from my account. 

My concern is they will continue to report ( on charges/fees in dispute ) on this to credit reporting agencies causing harm to my credit score and not remove the charges as appropriate. I called today XX/XX/XXXX to request these charges be removed in a more expedient manner and they hung up the phone on me. This is the equivalent of about {$40.00} in fraud charges that takes them months to resolve all the while as they tack on fees and charges that now total {$100.00} ( of debits and fees and that are not mine ) as of XX/XX/XXXX, and report falsely to reporting credit bureaus.

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 2023-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/25, I deposited a check {$500.00} via mobile banking on capital one. I contacted capital one on the check was deposited to see if they would be able to release the deposit or part of the deposit earlier than than the next business day hold. Capital one refused to release the funds earlier. I then requested that they void the deposit, so I could take the check else where and get it cashed. The supervisor stated that he was unable to void the mobile deposit. Please note, that we have been waiting on the check for over a week and needed funds to buy groceries for my family and dog food. I only requested {$150.00} to be released. So capital one is holding the check XXXX now until Tuesday in the meantime I have no funds to feed my family. No suggestion to help me resolve the issue. The only thing they could tell me is that I have to wait until Tuesday to get my money. That is unacceptable! They should have been able to stop the deposit if the check had not been process yet. The check on the app states that it is still pending. Future more, the the check will not be processed until Monday. Again no reason the they could not stop the process. Banks should not be allowed to hold your funds XXXX like this especially if the customer calls in a request that the deposit be voided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Hi, On XX/XX/XXXX, I applied for a Lowes credit card in store at Lowes XXXX, NY location. After submitting my information electronically I was told that further information was required in order to proceed with my new credit card application. I immediately called the contact # provided at Synchrony bank and I was told to do a live video recording in addition to taking a picture of my driver license and submitting it electronically. I complied and provided everything, including my social security #, video evidence of my face and pictures of my driver license. I was then approved. I even made purchases without the card by referencing my phone # and social security # at the Lowes checkout. 

Today, XX/XX/2023, I received my credit card and bill for the amount I purchased in store on XX/XX/XXXX. I tried to activate the card online and on the phone and was denied because Synchrony bank wants additional information : copy of my driver license and utility bill physically mailed to a another location. I refused because I already provided this information and I just want to be able to activate my card and make payment to the account. However Synchrony bank still indicate they are unable to help me. This has become infuriating because I already provided all this information when I applied for the credit card in the first place. Synchrony bank already has all this information and they already APPROVED my application. Why is it so difficult for me to just activate the card so I can go online and make payments? I do NOT want to have to send my personal information again when I have already done so. Please file this complaint with Synchrony bank and Lowes. Thank you.

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 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SD

Complaint narrative:
One of my reported addresses is the post office physical address in XXXX South Dakota. I have a mail box inside the building and I also use my physical street address when I correspond with companies.

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 2023-02-25 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: VA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX Vacation # XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was never late. Thanks. 

In accordance to the fair credit reporting ( FCRA ) act TransUnion has violated my rights in pursuant to 15 USC 1681 section 602 A states I have the right to privacy. Also violated 15 USC XXXX681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written or oral consent/instructions. The FCRA is a federal law that regulates credit reporting agencies and compels them to insure the information they gather and distribute is fair and accurate. TransUnion is inconsistent with several accounts across the three credit reporting agencies and 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 2023-02-25 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: R & B Corporation of Virginia
State: VA

Complaint narrative:
Credit Control Corporation is currently reporting two inaccurate accounts on my consumer report attempting to collect an invalid balance of {$220.00} and {$210.00}. Ive disputed this account Via certified mail and requested debt validation ( see attached file ). Pursuant to 15 USC 1692g, Credit Control Corporation failed to send me a notice of debt/debt validation and is illegally using my consumer report to advertise a debt in attempt to collect the alleged debts being reported. I have no obligation to pay Credit Control Corporation and Im demanding them to remove the collection account from my consumer report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 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: NY

Complaint narrative:
Please report XXXX XXXX account information on credit report as it appears on the attachment as you have failed to do so I. Compliance with Federal Truth in Credit Reporting act and FTC law as explicit.

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 2023-02-26 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: NY

Complaint narrative:
Please report XXXX XXXX account information on credit report as it appears on the attachment as you have failed to do so I. Compliance with Federal Truth in Credit Reporting act and FTC law as explicit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: CA

Complaint narrative:
I am writing to file a complaint against XXXX, TransUnion & XXXX the major credit reporting agencies in the United States. I have recently gone through a dispute process with XXXX regarding inaccurate information on my credit report. Despite providing them with evidence that clearly showed their violation of 15 USC 1681i, XXXX, TransUnion & XXXX failed to conduct a proper investigation and continued to report inaccurate information on my credit report. 
As per the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information they report about consumers is accurate and up-to-date. When a consumer files a dispute regarding inaccurate information on their credit report, it is the duty of the credit reporting agency to investigate the dispute and ensure that the information is corrected or removed. 
In my case, I provided XXXX, TransUnion & XXXX with proof that the information they were reporting about me was inaccurate and in violation of 15 USC 1681i. However, despite this, they failed to conduct a proper investigation and continued to report the inaccurate information on my credit report. This has caused me significant harm and has made it difficult for me to obtain credit or loans. 
I am therefore requesting that the CFPB investigate this matter and take appropriate action against XXXX, TransUnion & XXXX for their failure to comply with the FCRA and 15 USC 1681i. I believe that XXXX, TransUnion & XXXX actions have violated my rights as a consumer and have caused me significant harm. I am also requesting that XXXX, TransUnion & XXXX delete the inaccurate accounts on my credit report and take steps to ensure that this does not happen to other consumers in the future. I have evidence once again provided below with the violations and inaccurate reporting that XXXX, TransUnion & XXXX still chooses to report and a complaint filed with the XXXX  against them. Accounts as follows XXXX XXXX XXXX Acct # XXXX, XXXXXXXX XXXX  Acct # XXXX, XXXX XXXX XXXXXXXX Acct XXXX XXXX & XXXX XXXX XXXX XXXX XXXX  XXXX. These accounts ar earill repeoting In violation and not marked as disputes nor have some of the accounts been updated with the present date when experian said the accounts have been verified and updated

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 2023-02-25 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: CA

Complaint narrative:
I am writing to file a complaint against XXXX, XXXX & Equifax the major credit reporting agencies in the United States. I have recently gone through a dispute process with XXXX regarding inaccurate information on my credit report. Despite providing them with evidence that clearly showed their violation of 15 USC 1681i, XXXX, XXXX & Equifax failed to conduct a proper investigation and continued to report inaccurate information on my credit report. 
As per the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information they report about consumers is accurate and up-to-date. When a consumer files a dispute regarding inaccurate information on their credit report, it is the duty of the credit reporting agency to investigate the dispute and ensure that the information is corrected or removed. 
In my case, I provided XXXX, XXXX & Equifax with proof that the information they were reporting about me was inaccurate and in violation of 15 USC 1681i. However, despite this, they failed to conduct a proper investigation and continued to report the inaccurate information on my credit report. This has caused me significant harm and has made it difficult for me to obtain credit or loans. 
I am therefore requesting that the CFPB investigate this matter and take appropriate action against XXXX, XXXX & Equifax for their failure to comply with the FCRA and 15 USC 1681i. I believe that XXXX, XXXX & Equifax actions have violated my rights as a consumer and have caused me significant harm. I am also requesting that XXXX, XXXX & Equifax delete the inaccurate accounts on my credit report and take steps to ensure that this does not happen to other consumers in the future. I have evidence once again provided below with the violations and inaccurate reporting that XXXX, XXXX & Equifax still chooses to report and a complaint filed with the XXXX against them. Accounts as follows XXXX XXXX XXXX Acct XXXX XXXXXXXX, XXXXXXXX XXXX Acct XXXX XXXXXXXX, XXXX XXXX XXXX Acct XXXX XXXX & XXXX XXXX XXXX Acct # XXXX. These accounts ar earill repeoting In violation and not marked as disputes nor have some of the accounts been updated with the present date when experian said the accounts have been verified and updated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: ID

Complaint narrative:
I received a debt collection letter from ERC a few days ago. ERC would not divulge the particulars of the debt other than to say the debt was with XXXX XXXX XXXX XXXX and originated in Detroit Michigan in 2020. I have no account with XXXX XXXX XXXX XXXX and have never lived in Detroit. I believe the debt was the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: GA

Complaint narrative:
The following creditors referenced below are reporting a fraudulent account to my credit report, after providing substantial information verifying that I am indeed not the owner of this account and therefore am not liable for this debt that exists as the direct result of identity theft. 

XXXX XXXX ACCT NO : XXXX XXXX  XXXX  XXXX ACCT XXXX : XXXX XXXX ACCT NO : XXXX XXXX ACCT NO : XXXX

Company response to consumer: Closed with explanation