vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-21 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:
Dear Sir/Madam, I am writing this letter to bring to your attention a concerning matter regarding my consumer report. It has come to my attention that multiple companies have furnished written-off alleged debts to my consumer report, and by allowing this, you are inadvertently aiding these companies in committing tax fraud. Furthermore, your actions are contributing to the extortion of individuals like myself, as these debts are negatively impacting our financial reputations. 

According to federal laws and regulations, a consumer report is intended to remain equitable and accurate to the individual it represents. However, I have discovered that certain written-off accounts, for which I have never received a 1099-C, are still being reported on my consumer report. These companies have already received compensation on their taxes for these debts, and it is unjust that they are now using my credit report to further their financial gains. 

I hereby request that you take immediate action to remove the following alleged debts from my credit report : XXXX. XXXX : XXXX XXXX. XXXX XXXX  : XXXX XXXX. XXXX : XXXX Additionally, I would like to bring to your attention that neither of the following addresses listed on my credit report belong to me. Please remove them promptly : XXXX ) XXXX XXXX XXXX XXXX, TX XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX ) XXXX XXXX  XXXX XXXX XXXX, TX XXXX. 

I expect these entries, as well as the incorrect addresses, to be completely removed from my consumer report within the next four days. Failure to comply with this request will leave me no choice but to pursue legal action against all parties involved. Please note that under federal law, I am entitled to seek damages of {$1000.00} per violation. 

I trust that you will handle this matter with the urgency and attention it deserves. I have enclosed copies of the relevant documentation supporting my claims. Should you require any further information or clarification, please contact me at the provided contact details. 

I look forward to a prompt resolution to this matter. Thank you for your immediate attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & No ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. XXXX  states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also statos a consumer reporting ageng can not furnish an account without my written Instructions.

16 U.B.C 1666B : A creditor may not treat a payment on a credit card account open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct Violation of several laws under The Fair Gredit Reporting Act

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 2023-05-20 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act, these accounts violated my rights as a tax payer. 

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

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written permission and instructions.

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

Companies were contacted and refused to fix discrepancies due to dates being pass 2-years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: MOHELA
State: CA

Complaint narrative:
In accordance with the fair credit reporting act, these accounts violated my rights as a tax payer.

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

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written permission and instructions.

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

Companies were contacted and refused to fix discrepancies due to dates being pass 2-years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Dear Sir/Madam, This complaint and request for help is in regard to a mortgage and HELOC both held by Suntrust Mortgage for a home we owned in XXXX when the housing market crashed. Realizing we could no longer sustain the financial requirements to keep the loan in good standing, we put the property up for sale. Two offers on the home were submitted and both were rejected by Suntrust. This took place in XXXX. In XXXX of that year we received a foreclosure notice from XXXX XXXX XXXX XXXX on behalf of Suntrust. 

Shortly after that we received a warrant in debt ( which was dated XX/XX/XXXX ) for the second on this property which had since been sold ( for an unknown amount ) and as a result, we now have a lien on our current home. 

In XX/XX/XXXX we received a payment form the XXXX Suntrust XXXX which was in compensation for their un-fair treatment and predatory lending practices ( believing this matter to be settled at that point ). 

Numerous attempts were made within the last 2 years to contact and negotiate with Suntrust. Their representatives could not confirm that a lien even existed. At one point we were left on hold for over 2 hrs. with no satisfaction. 

On XX/XX/XXXX we received a notice that Suntrust had initiated a garnishment proceeding against only one of the previous mortgage holders and in apparent violation of the statute of limitations regarding the collection of this type of debt. We believe we have been treated unfairly by Suntrust and hope to resolve this matter as quickly as possible. 

Please see the attached documentation, 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 2023-05-20 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
Barclays has not provieded me a valid reason that the charge was valid. This is NOT my signature

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 2023-05-20 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:
I have XXXX accounts that does not belong to me. XXXX XXXX  XXXX # XXXX, XXXX and XXXX XXXX XXXX. I have submitted these accounts to XXXX with supporting documents several times and they still send me letters stating that the accounts have been verified. XXXX XXXX with Equifax I submitted to them as well asking to provided proof of ownership I receive nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One Will Not Work With Me, A XXXX XXXX On A Fixed Income, With Removing A Late Payment On My Account. This Is Negatively Impacting My Credit Score, I Sent Them A Good Will Letter Stating That I Had Some Health Issues And That I Was On A Fixed Income. This Is The 1st Time This Has Happened And It Is Absolutely Ridiculous That My Credit Card Comnpany, Capital One Will Not Work With Me Even Though I Sent Them A Good Will Letter. The Case Number With Capital One Is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One Auto financing has been assessing most of my monthly and weekly vehicle payments that I have been making toward the interested rather than the principle. They continue to state that I'm late and behind when during the Covid pandemic 3 different months of extended time which was added to the end of the loan term which gave me more months to pay they are currently adding those 3 months to the current bills as if I'm late when those months were added to extend a longer loan term and after further review into my account I found that Capital one has being applying usury to my account and exceeding in the amount of yearly interest and my state of XXXX requires as well as my contract. 
They continue to threaten me with repossession for a Vehicle payment of which is not late, and I've made numerous attempts to make validation to their error, but I have yet to receive a response but more threats of Possession. I've requested proof but all they say is look at the contract I signed on the interest, but they have yet to provide me with absolute validation to the late payment claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland Funding is reporting an {$850.00} debt to the credit agencies. I have not been sent any paperwork to explain the originality of this debt. Therefore I can not verify it is my debt. They have put derogatory remarks on my credit reports repeatedly and recently. It has caused my credit score to drop drastically. If proved this is my debt I am willing to make small payments each month until debt is paid off in full. But if theres no communication explaining where this debt came from I do not think it is fair practice to come out of no where years later and affect my credit score in this manner. They may contact me via text at XXXX. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
On XX/XX/XXXX I opened my mother`s estate, as she passed away on XX/XX/XXXX. I went to M & T Bank to obtain her checking/savings account information, spoke with a relationship banker & manager at the XXXX XXXX XXXX XXXX XXXX, DE. When she and the manager pulled my mother`s account they both advised me that there were XXXX checks that were fraudulently signed ( mother`s name forged ) totaling {$160000.00}. Therse checks were signed when my mother was on XXXX with XXXX XXXX XXXX. Both the manager and relationship banker advised me to go to the police and to XXXX XXXX ( the bank where the money was deposited ). On XX/XX/XXXX I returned to M & T Bank, per my attorney request to file a fraud claim. Speaking with the same representatives, they advised a claim should be filed, and they did, indicating it would take a week for a response. Less than 24 hours the same representative called to state " That they were unable to process the claim as the account was closed, the account closed due to the fraudulent activity that made her account balance XXXX. These checks should have been flagged/rejected, since the signature is not my mothers and does not match her signature on M & T Bank`s file , and my mother was the sole owner of the account. In addition, to it not being her signature, she never wrote checks that large of an amount and these checks were deposited using a mobile app. These actions should have alerted M & T Bank to flag these transactions. I have been to M & T Bank several times and have not been helped at all, I feel my issue is just ignored and they do not want to help. But I will not give up on trying to resolve this fraud activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
Payment of a full amount of a cash advance, the highest interest balance, was not appropriately applied per consumer regulations, resulting in some balance to remain in the cash advance bucket instead of purchases, resulting in interest charged on a balance that was fully paid.

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 2023-05-20 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: NV

Complaint narrative:
After reviewing my credit report, I have identified inaccurate accounts and information that are not associated with me. I did not provide consent for any of this information to be included in my credit report, and it is significantly impacting my life. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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:
On XX/XX/2023 my account balance was {$41.00} I withdrew the {$41.00} and bank of America put my account at- {$31.00} the next day. Bofa used a XXXX transaction that happened on XX/XX/2023 and dated the transaction XX/XX/2023 this date is the transaction date and posting date. At the time of purchase from XXXX funds from account where removed. When BofA changed the on the transaction from XX/XX/XXXX to XX/XX/XXXX they charged me again and caused my account to be overdrawn. I contacted bank of America and was told XXXX had just processed the transaction and that there was no double charge I ask why did the transaction say XX/XX/XXXX and the processing date say XX/XX/XXXX also. I also ask why at the time of the transactions which was XXXX they withdrew funds for the transaction and when they changed the date they withdrew again causing the over draft. I also stated to bank of America that I do not have overdraft services so how does my account continue to get overdrawn. Bofa refused to answer. I tried calling back to speak to a supervisor but BofA refuses to give services because I'm having issues with my text messaging and BofA says that's the only way they can verify my identity and to go in to a branch. Is the only way I can get customer service. There unrecognized charges made to my account and I can't dispute them unless I call them. I can't make it into the branch because of transportation issues. Everything stated can be proven. I filed multiple complaints with BofA about getting notifications of debit card charges when I'm not using my card and when checking my transaction history the notification of the transaction is no where to be found. BofA continues ignore these issues there has no follow up or anything I do believe BofA is taking money out of my account without authorization. BofA has also lied about available balances in XXXX I made a deposit to my account because my account was at a, XXXX balance. When checking my statement for that month BofA states my account balance at the time of that deposit was more than {$0.00} which was not true I told BofA I had the receipt proving the balance was XXXX at the time of the deposit BofA replied there must be something wrong with the atm.

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 2023-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: PA

Complaint narrative:
Hello, I have a cash app account where I receive my XXXX  check. I make purchases from this account quite often. Cash app is telling me that there were three transactions from XXXX in the month of XX/XX/XXXX, where the funds were not deducted from my account. So on XX/XX/XXXX when I received my next check they took a bunch of my money and left me with {$3.00} with no warning that this happened. Until after I inquired where my money went. I asked to sent my statement, which they did. But the statement they send was so confusing. Authorizations, declines, captures that its almost impossible to track my transactions. Ive been going back and forth with them for almost three weeks. Then yesterday XX/XX/XXXX a friend sent {$50.00} to my account, and they took that as well saying there was another transaction. I was able to find the transaction they were talking about but according to my statement it was already paid. And they wont give my money back or listen to what I have to say. I asked to speak with a manager but they will only converse through email. And wont listen to my complaints, and their responses dont even make sense. And the more I look at my statements I am finding more and more charges that have been taken out twice. But they wont even hear it out. They always have an excuse or a reason on why I am wrong. But Im not Im looking right at it. According to XXXX there are multiple people with the same issues and cash app isnt returning anyones money. Im not sure what to do next. Im low income and that is a lot of money to me. I have attached a pic of the last amount they took from me, that according to my activity tab on cash app it was completed. So why are they taking the money again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I was trying to open a business account for my business with Bank of America during the week of XXXX. Upon speaking with my business specialist who was setting up my account got a flag message and she told me I needed to call the recovery department I said ok. I was confused as to why I needed to call that department. Upon speaking with the young lady in the recovery department she informed me that I had an account in XX/XX/XXXX that closed in the early part of XXXX but these accounts were in bankruptcy I stated to her yes I filed XXXX  XXXX in XXXX on my personal ss # and i know you all aren't trying to collect on a bankruptcy she stated no maam we can not collect on this and you should be able to proceed to finish your business banking. I said ok thank you. I returned the call back to my business specialist and she told me before she proceeded to call back the recovery department and ask them to revise or remove the notes in the account to the underwriting can see them. Therefore, I returned the call back to the recovery department and informed her of what I needed to be done she told me that she couldn't make any changes to the account I will need to contact the risk department which she transferred me over and gave me their phone number and I spoke with a lady in this department that i also stated what I needed to be done and was told this department ins the only one that can do it. She stated that she couldn't revise or remove any notes from this account and I asked her why she said she didn't have to give me a reason that they can close the account for any reason and I don't need one. Therefore I stated to her that you all are blocking me from banking services which violates my rights and I will report you all to FCRA and the FTC she then went on to say let me ask my supervisor. Upon her return after speaking with her supervisor, she stated that I can go inside and apply and TRY to get approval, and if it goes through but it doesn't oh well I said what is that supposed to mean she then stated that they weren't gon na remove the notes and that I will never have any services with them of any kind so if the account does get open they will close it again. This is stopping me from getting the business things I need done and taken care of. without any good explanation to me maybe because I'm a XXXX XXXX  I'm unsure or because I filed bankruptcy on my personal accounts. Either way, I'm discouraged. Being rude toward customers isn't the way things should be handled.

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 2023-05-20 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: NJ

Complaint narrative:
Please be advised that the following account should not be on credit file :! - XXXX XXXX XXXXXXXX account # XXXX Authorize user, terrminated relation 2XXXX XXXX XXXX XXXX account # XXXX authorize user, terminated relation. i do not wish be be an authorize user on account s. 
delete account s from my credit file. 
XXXX XXXX XXXXXXXX XXXX XXXX account XXXX this account was set up on auto pay, however, on XXXX is reporting a 30 day late. this account was always on auto pay. I ask that the late payment on XXXX XXXX be removed from my credit file. 
my request is for XXXX, XXXX and transunion. 

Also, respested companies. 


Thanks, 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 non-monetary relief