vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
I have checked my consumer credit reports and it appears that an account from EOS CCA has appeared on my credit report for an alleged amount of {$990.00}. I am asking for full proof of accounting and documents that show the accuracy of this reporting. : I am asking you to provide proof of me having a contractual relationship with your company and that I am liable for this alleged obligation. I would be happy to enter any agreements with you on the following conditions on everything set forth in this complaint. I can send this information certified mail with a return receipt and include an affidavit of truth notarized, signed under Penalty of Perjury, as well. Pursuant to 15 USC 1681b ( 2 ), no accounts should be reported without the WRITTEN PERMISSION OF THE CONSUMER. THE ONLY ADDRESS THAT SHOULD BE LISTED IS XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX. NO OTHER ADDRESS SHOULD BE LISTED ON MY CONSUMER CREDIT FILE. THE NEXT NOTICE WILL BE SENT CERTFIED TO ENSURE YOUR PROMPT RESPONSE IF THERE IS NONE TO THIS DOCUMENT. I am requesting that EOS CCA substantiate the claims made there under for XXXX XXXX in order to properly verify its summary and/or claim. The following claims made thereof can be substantiated by submitting the following pieces of information and/or instruments of indebtedness. 1. Proof of the existence of an alleged account and/or contract in the actual flesh and blood name of for XXXX XXXX duly signed and witnessed by both parties and both seals, not a unilateral agreement and upon which signed page there is reference to the entire agreement. 2. Proof of claim that the agency listed for the claim is the current holder of the original note above mentioned alleged debt instrument and that it is not been on-sold to another party. 3. A true certified copy of the actual accounting whereby bank essay has incurred a loss of the alleged debt with accordance to the General Accepted Accounting Principles ( GAAP ). 4. A True Bill inked in blue with Bill and value marked upon it's face and not a statement for any amount of money allegedly owing or owed to bank essay by for XXXX XXXX that conforms to the Bills of Exchange Act and the Trust and Loans Company Act and has not been endorsed by a federal agency with pursuant to the Financial Administration Act and the Bank Act. 5. Proof of claim that there is any lawful money in circulation in the involuntary bankruptcy of United States backed by anything of value*. In addition to the above, the credit reporting agency is portraying itself as a credit bureau, when according to federal law, the only bureau is the Consumer Financial Protection Bureau. That is a false and misleading representation. Violations through 15 USC 1681 and 15 USC 1692, with consumer liability under 15 USC 1681n and 15 USC 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To whom it may concern : The following student loan accounts are all from over a decade ago, and the date of first delinquency is well over 10 years on each of them. The date of first delinquency shown on the credit report is INCORRECT! These student loans must be removed from my credit report immediately. 


U S DEPT OF EDXXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXXXXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One ran three hard inquiries without my permission and Ive called five times to seek help. I only got the run around and was told to contact credit bureau. I wouldnt run three hard inquiries in row with same company denying me each time. I was in XXXX when these three inquiries occurred and explained this to capital one. 

Dates of hard inquiries : XX/XX/2021 XX/XX/2021 XX/XX/2021 Company phone number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07 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: IA

Complaint narrative:
I sent a dispute letter to EQUIFAX damn near two months ago pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless. What the XXXX is going on? Im getting really XXXX off and looking to take legal action at this point!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I invoiced two clients, a technology  XXXX company and a registered LLC Farm in CA for whom Ive done XXXX work this Summer as an XXXX  XXXX. 

One check was deposited on XX/XX/XXXX in an ATM, the other was deposited XX/XX/XXXX using mobile deposit on the Capitol One app. 

After depositing checks to my brand new Capital One checking account, Capital One personnel, without my knowledge or permission, contacted my client ( s ) on XX/XX/2021, asking if they would verify checks written. The female who contacted my client refused to identify herself by name. Because the Clients cellular phone number was unlisted, the caller ID 's were identified as SPAM RISK and because Capital One was not my clients bank, my client refused to disclose any information to Capital One Banks personnel ; Capital One Bank deposited the checks ( both valid and both immediately settled ) and then immediately blocked, closed or otherwise disabled my account. This intentional action on the part of Capital One bank has deprived me of my income, and knowingly locked up funds, which Capital One Bank knew would not be returned to the maker, and would not be accessible by me, the valid account holder. 

My understanding is that if a bank deposits funds into a closed ( or effectively closed, blocked or locked ) account, they must by Federal Law, return those funds to the maker. Capital One had refused to comply with this basic premise. 

Capital One bank has refused to return the funds to the writer of the checks, and has refused to send me ( the rightful owner ) a check in the amount of the balance indicated in my account that they have locked for no valid reason, intentionally withholding funds that do not belong to Capital One bank. Personnel at Capital One bank stated to me directly over a phone call that since my client, XXXX XXXX, did not cooperate with them, they have blocked, closed or otherwise locked my account. 

-- I have repeated called Capitol One to try and resolve this issue, spending many hours on the phone starting on XX/XX/2021. I have only received two email updates about my account being restricted, see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I had a late payment due to financial hardship from Covid-19, i made my payment, and they have closed my account with no notice. There was no notice when i signed up for paypal credit about this, and no notice about a closing account.

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 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 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 : XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
Robinhood lied to Congress about their lack of support system and that has not changed. Trying to deactivate your account is hard coded to fail and sends you to an email form. I have demanded multiple times that I no longer authorize this account and they refuse to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My protection 's privileges have been violated by this bureau and they are clearly violating the federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unbiasedness, and protect the consumer 's rights to privacy. Their carelessness has caused me pain and I'm looking for litigation.

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 2021-10-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BofA 2 I spoke with XXXX XXXX ( Supervisor ) on XX/XX/XXXX from Bank of America and was advised to file an FTC Report due to fraud on my Bank of America EDD Debit Card that was never received by me between XX/XX/XXXX and XX/XX/XXXX, which Bank of America was notified about on XX/XX/XXXX due to never receiving my Debit Card that showed it was loaded with funds by EDD California in the amount of {$21000.00}. Bank of America eventually closed the original account and canceled the card and issued a new on XX/XX/XXXX. When the new card was activated, to my dismay, the funds that I was issued by EDD were not on the account. To this day Bank of America has not followed through with the injunction placed on them by the US District Court with regards to my account! They keep coming up with new stall tactics such as, a year later telling me to file an FTC report. They have never provided the fraud investigation documents as requested on 3 separate occasions, they only send a one page autogenerated letter saying the claim was denied due to insufficient evidence! As stated they must provide the documents of the fraud investigation and actually complete one per the injunction and Bank of Americas own correspondence to me. An example is, I called the evening of XX/XX/XXXX and had the claim reopened which they actually processed XX/XX/XXXX, then on XX/XX/XXXX they sent out a letter saying the claim was denied due to insufficient evidence to support my claim of never receiving my debit card. To my understanding of how a fraud claim is investigated this is completely inappropriate and goes completely against what the US District Court injunction states. I have been hung up on when providing them the info regarding the injunction that these employees are completely unaware of. These employees do not even work for Bank of America directly and are hired through a separate facilitator and work remotely from their homes. Not one employee I spoke with knew the details of the US District Court Injunction!

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 2021-10-07 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: MD

Complaint narrative:
After filing and identity theft report with the FTC regarding attempt to gain credit access, accounts were not opened but inquiries were still placed. Sent XXXX, Equifax and XXXX Method of Verification Letters. Requesting who, when, documentary evidence, and title of the alleged creditor, they conducted an investigation with since they claimed accounts were verified I have not received any evidence. inquiries and an account Santander account being disputed was just updated and verified again with no proof. 15 USC 1692j furnishing deceptive forms, when XXXX and Equifax mailed forms with claims that accounts were verified, they violated federal law. Federal law requires and investigation as conducting interviews not scanning through eoscar. I am a federally protected consumer and natural person and these credit agencies are civilly unwilling to comply 15 USC 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On the last credit report I got from Experian it states that an account that I allegedly had with XXXX  XXXX XXXX went into a charged off status in XXXX XXXX and this is false.

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 2021-10-07 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
My account was hacked XX/XX/XXXX for {$86.00} at XXXX XXXX and then {$0.00} at XXXX ( the card was frozen and I immediately report the transactions ). I was clocked in at work, driving out of the state at the time these transactions were made. I submitted the dispute and apple came back saying I was responsible for the charge. They did not let me submit any evidence and said they would mail me the evidence the merchant submitted. I submitted the charge again for fraud and it is still pending. XXXX released an update because they had a data leak that got peoples apple cards hacked. I updated my XXXX, changed my virtual and physical card number as well. On XX/XX/XXXX my card was charged {$0.00} at XXXX. I submitted this immediately as fraud. I went through apples steps of changing all my card info again and turning on the advanced fraud alert. On XX/XX/XXXX my card was attempted to be charged {$32.00} but declined. I submitted this immediately as it was fraud. I actually stopped using this card in XXXX due to all the hacking issue that was unresolved from XXXX. XXXX told me all I could do was change my card information AGAIN, which I did. They told me that hopefully I wont be hacked again and Im not responsible for charges I did not make. However the refuse to give me any information on the party city purchase. I had to asking again for the evidence from the merchant. I do not know what to do. I have never had this many issues with a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: IA

Complaint narrative:
I sent a dispute letter to TransUnion damn near two months ago pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless. What the XXXX is going on? I mean seriously? Im about ready to take legal action at this point.

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 2021-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Credit card is secured against a CD account ( collateral ). I have asked to close account over 2 months ago and I am still waiting for my money from cd to be deposited to my account {$320.00}. Credit card has been paid in full with cd but surplus which is amount shown hasnt been refunded. Still waiting. Please help.

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 2021-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
On Tuesday XX/XX/2021, Wells Fargo received my second Cease & Desist letter for the fraudulent loan they have in my name. Pursuant to 12 usc 1431 the bank got the loan and the Promissory note but furnished a deceptive form to make me think that the debt was mine, when I only came for 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 explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: FL

Complaint narrative:
ANFI at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX has been sending me collections notices in the amount of {$600.00}. The collection has been reported as pasted due balance. I don't know this company. Have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My protection 's privileges have been penetrated and intruded by this bureau which is an immediate violation of federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.

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