vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I filed XXXX on XXXX. Case number XXXX. I have 8 accounts on all 3 credit bureaus that are reporting 90 day late. I was never late on any account, before filing. Accounts are the following. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
They are all reporting 90 days late on XX/XX/2023. These are incorrect, and need to be removed.

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 2024-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
This account was paid in full now this company still stating that I owe {$210.00} still I also explained I was a victim in identity theft this company has been harassing me for four years I paid them every dollar

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting 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 am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm a survivor of data fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another advance and these mistakes are causing an issue with my XXXX ratings revealing appropriately, so any assist you with canning give me with refreshing this data quickly would be enormously valuable. We are hoping to purchase a house. Kindly assistance

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 2024-01-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
For about 6 months, I have been trying to open a Capital One 360 savings account on line. After I entered all the requested information a window pops up saying " WE NEED MORE INFORMATION BEFORE YOU CAN CONTINUE. GIVE US A CALL AT XXXX '' I have called the number at least 4 times. I have been told that I am banned from opening any additional accounts with Capital One. I have been told all 4 times that there is no information providing the reason for the ban, that the ban is permanent, and that there is nothing I can do about it as that decision is final. All I could think is that there is an error on my credit report. I know my score is near XXXX and I have recently obtained a Mortgage for an investment porperty and financed a vehicle with XXXX XXXX ( after Capital One denied me ). So I asked Capital One, IN WRITING, to review my credit history and provide with a reason for the ban. They responded that my credit history shows no late payments, but remained silent about my inability to open a savings account. 

I really would like to know what information Capital One has on me that led them to ban me from opening a savings account PERMANENTLY! I would like to have an opportunity to corroborate whatever it is they are using against me and if possible, be given an opportunity to correct the alleged wrong doing back in XX/XX/2007.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
Here 's the complaint I filed with the OCC about M & T Bank : I opened a checking account with M & T Bank on XXXX XXXX, XXXX. The check was for {$2000.00} and when it cleared I withdrew {$1500.00}. I had done some painting for a friend and was paid in a check so I used that check to open the account. On XXXX XXXX, XXXX, I deposited another check from the same party for {$620.00}. I did not withdraw any cash. On XXXX XXXX, XXXX, my account was locked due to fraud detection. I was on vacation in Colorado at the time. It was unusual that they did not contact me to let me know, I found out when I went to check my balance online and was not able to log in. I called the fraud hotline and spoke to a representative for XXXX minutes and she told me there was nothing that she could do and that I should contact the branch that I opened the account with and maybe they could help. None of that made sense to me but I did call the branch and spoke with the woman who opened my account, she said she would call the back office and speak to them. She was able to get my account unlocked. The next day ( XX/XX/XXXX ), my account was locked again. I called the branch and spoke with the same woman and asked what was going on. She looked at my account and said it was locked due to suspicious checks. She said the back office wanted to know why I withdrew {$1500.00} immediately. I explained that it was XXXX time and I also had to pay my helper for the paint job. At this point my account is still locked, I have not had access to my money since XX/XX/XXXX, and the only communications I have had with the bank have been the ones that I've initiated and those have only been with employees at the local branch. No one from the main office or fraud department has reached out to clear this up. There is nothing that should indicate fraud from these checks and there is no reason that my account has been locked for this long without anyone calling or emailing me to figure it out. On XXXX XXXX, XXXX I went in person to my local branch and told them I wanted to close my account because I was beyond the point of reconciliation. To me, this is something that should have never happened in the first place, but beyond that should not take this long to resolve. How is depositing a check and withdrawing cash enough " evidence '' of fraud to justify suspending my account for this long, all without ANY communication from M & T Bank? Is there no bar here? No regulation, rule, or policy lays out what constitutes fraud? Is what M & T Bank doing to me legal?

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 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was unable to keep up with 3 chase credit card payments, I spoke with Chase on XX/XX/2023 and made arragments and enterred into a repayment plan with 0 % interest for 5 years, i made the intital payment and chase did not honor that agreement and charged off one account after an repayment agrement was made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
I purchased XXXX drinks with a beach vendor in XXXX. I was charged {$870.00}. I immediately called Bank of America to open a fraud claim. They denied it on XX/XX/XXXX. I called again and opened another claim. They denied it again on XX/XX/XXXX. The bank told me that the vendor had proven that I had approved the purchase, but it was not my signature and I'm sure if they were to actually look at the receipt it would be very obvious that it was a scam. XXXX drinks obviously do not cost {$870.00}. I did not sign for it. I can not file a police report because it was in XXXX and the police are aware of the scam and do not take it seriously. Bank of America has denied my claim XXXX times now and wont give me any reason as to why they have denied it. They have send me XXXX identical denial letters that give me XXXX information or address my rebuttals at all. I would like a copy of the receipt or at least a copy of my signature. If BoA looked at either of those things it would be very obvious it was not me. I also submitted a complaint with the Consumer Protection Agency on XX/XX/03 ( id : XXXX ) and today XXXX, BoA sent me another identical denial letter. I refuse to accept this.

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 2024-01-09 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
PLEASE ADD ON TO THE FOLLOWING CASE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agency not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, impliedor otherwise is revoked. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2024-01-09 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAC Financial Corp
State: LA

Complaint narrative:
Im not sure I wasnt aware of any transactions I was scammed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX National Credit Audit Co XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX Account # : XXXX Dear National Credit Audit, I am writing this in response to your recent correspondence related to account # XXXX I accept no responsibility for ownership of this debt ; however, Im willing to compromise. I can offer a settlement amount of {$2500.00} in exchange for your written agreement to the following terms : You agree to accept this payment as satisfying the debt in full ( once you receive the agreed-upon amount ). 
You agree to not list this debt as a paid collection or settled account. 
You agree to completely remove any and all references to this account from the credit reporting agencies ( XXXX, XXXX and XXXX ) that you have reported to and validated this account. 
I am willing to pay the amount of {$2500.00} as settlement for this debt in exchange for your agreement to the above terms within XXXX calendar days of receipt of payment. Understand that this is not a promise to pay. This is a restricted settlement offer and you must agree to the terms above in order for payment to be made. This debt has not only affected my credit, but has affected my livelihood and residence for my family and I. Should you accept, please send a signed agreement with the aforementioned terms from an authorized representative on your company letterhead. Once I receive this, I will pay {$2500.00} electronically. 
If I do not receive your response to this offer within 30 calendar days from the date of this letter, I will rescind this offer and it will no longer be valid. 
I look forward to resolving this matter quickly. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Bridge IT, Inc.
State: MD

Complaint narrative:
Daily I receive an email from XXXX trying to collect on a past due balance. I've advised them to cease emailing me, however they tell me that their system will send emails until the debt is paid. They advised me that they do not have the technical ability to stop the emails. 

This is not my problem, I should be able to direct a company to cease contacting me via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This company is violating the FCRA by illegally reporting fraudulent accounts on my credit which were the result of identity theft. After numerous attempts and identity theft documentation was sent these companies continue to add these items on my credit report. The items were as follows ; XXXX Bank, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. These credit reporting agency needs to permanently DELETE these items IMMEDIATELY and accounts from my reports, & block them from ever reporting again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting 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: TN

Complaint narrative:
I do not recognize these credit inquiries, and I have asked for them to be removed, and the bureaus did not do as I asked. I am providing an identity theft report, and I am requesting them to be removed because they are inaccurate and are not mines.!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I do not recognize these credit inquiries, and I have asked for them to be removed, and the bureaus did not do as I asked. I am providing an identity theft report, and I am requesting them to be removed because they are inaccurate and are not mines.!

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