vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX  ), Account XXXX XXXX ( XXXX XXXX XXXX ), Account XXXX XXXX XXXX XXXX XXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX XXXX XXXX, and Account # XXXX ( XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 non-monetary relief
Consumer complaint received 2022-07-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXXXXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX XXXX  ), Account XXXX XXXX ( XXXX XXXX XXXX  ), Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX ( XXXX XXXX XXXX XXXX XXXX  and Account # XXXX ( XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: TX

Complaint narrative:
I have sent letters to XXXX, XXXX, and Equifax to verify the accounts thats showing on my credit report as negative. I have no knowledge of the accounts and every request has came back verified without a proper investigation. I asked for dates, balances, and signed contracts. I have haven't received any proper verification that the accounts belong to me. The accounts don't match up and some are all there with the same account number twice but a different balance. I'm just asking for a veritication for the following accounts listed. 

XXXX XXXX  Acc # XXXXXXXX XXXX Acc # XXXX XXXX Acc # XXXX Equifax XXXX XXXX Acc # XXXX XXXX XXXX Acc # XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX If after any reinvestigation under paragraph ( i ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verfied, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent letters to Experian, XXXX, and XXXX to verify the accounts thats showing on my credit report as negative. I have no knowledge of the accounts and every request has came back verified without a proper investigation. I asked for dates, balances, and signed contracts. I have haven't received any proper verification that the accounts belong to me. The accounts don't match up and some are all there with the same account number twice but a different balance. I'm just asking for a veritication for the following accounts listed. 

XXXX XXXX Acc # XXXX XXXX Acc # XXXX XXXX Acc # XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX Acc # XXXX XXXX XXXXXXXX Acc # XXXX XXXX XXXX Acc # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX If after any reinvestigation under paragraph ( i ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verfied, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the reinvestigation.

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 2022-07-04 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: CarMax, Inc.
State: OH

Complaint narrative:
XXXX accordance with the fair credit reporting act XXXX  account carmax auto and XXXX  XXXX XXXX  has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A. Section 2.. it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 166b A Creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX accordance with the fair credit reporting act XXXX account XXXX XXXX and capital one auto has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A. Section 2.. it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 166b A Creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This is a secondary complaint with reference to the first complaint I submitted NO. XXXX. Fully understand that you have a right to close my account with no knowledge as to why you are closing it. What I do not understand is why funds can be returned to the IRS when you were aware that the tax return belonged to someone else as stated and showing in the history in online banking. You permitted me to withdraw {$850.00} between 2 days before blocking the account when I went to withdraw XXXX. The tax return that was deposited into my account was from XXXX and XXXX XXXX. Who you refuse to speak with to clear this matter up. I even asked if could have tax return faxed to the office to prove the funds meant for me and was told that I could but not sure what would be done with the documents. Wouldn't speak to them with my authorization or by setting up a code word to verify that was who you were speaking with. Told couldn't be done. So if no fraud case being set up and not able to clear my name with the XXXXXXXX XXXX  help. Why is over {$20000.00} being sent back to the IRS? The funds were provided to me because I have been out of work 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 XXXX XXXX. I still am not back to work and those funds are to help pay for a vacation and medications along with paying medical bills. So please do not send the funds back to the Irs forward the funds in a certified check to my home address. Documentation can be provided to prove funds come to 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 explanation
Consumer complaint received 2022-07-04 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: South Mississippi Collection Services Inc.
State: UT

Complaint narrative:
I found out about an alleged debt through my credit report, but there was never any written communication or phone call from XXXX XXXX XXXX ( original creditor ) notifying me that something was pending or from South Ms Collection. Even though the amount is small and wanting to clear my history, I paid that supposed {$14.00} debt almost 1 month ago. To date, XXXX XXXX XXXX has not deleted the amount from my history. I was the one who sought to contact both the original creditor and the collection. What I require is that the debt be erased from my history once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: TX

Complaint narrative:
I filed a letter for investigation into inaccuracy that was being reported on my credit file. With Trans Union , LLC, I received notice of letter sent certified receipt return, reflecting date stamped received by Trans Union, LLC as XX/XX/2022. The letter was to investigate the accuracy of information being reported. Per the federal mandated; aw for the results are 30 days, for the investigation results. I am to be made aware of whom conducted the results and completed the results, whom was contacted in reference to the investigation completed results, and how was the investigation information obtained. The accounts listed below were requested to be investigated ; XXXX. XXXX XXXX XXXX, Acct # XXXX, XXXX. XXXX XXXX XXXX Acct # XXXX, XXXXXXXX XXXX  XXXX Acct XXXX XXXX. as of the date of this complaint. I have nor received by investigation results. Per 15 USC 1681, I am entitled to information being reported to be 100 % accurate. My federally constituted rights have been violated by Trans Union , LLC. 
XXXX Acct # XXXX is being reported inaccurate on my credit file. I request that this account be updated to reflect my true credit standing

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 2022-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: AMALGAMATED TOKEN SERVICES, INC.

Complaint narrative:
The coinlist site blocked my account without any explanation. there was a certain amount of money on the account, which is already several times less for the day because of the exchange rate. also because of this blocking, my XXXX coins burned out without the right to recover. every time I wrote to support of this site, the robot answered me that my account is checking. I've been blocked there for 6 months since XXXX. I don't need this account as I have lost all trust in Coinlist.co, but I want at least my remaining money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: CA

Complaint narrative:
In accordance with the fair reporting credit act XXXX  XXXX  account number XXXX Has violated my rights. 15 U.S.C 1681 section 602 A -states I have the right to privacy 15 U.S.C 1681 604 A - section 2 also states I consumer reported AC Can not report an account without my Written instruction or consent to do so.

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 2022-07-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
To Whom it May Concern, I am trying to close out a savings account with BB & T Bank ( Now Truist Bank ) I submitted my request by mail about 3 weeks ago. I received a letter back from Truist bank advising me to call Customer Service to update my new mailing address.

After calling CS I was advised that I needed to go to a branch to update my address. 
I went to the Truist Bank in XXXX GA, and was told me that I needed to make an appointment after waiting almost 90 minutes. 
I made an appointment at the XXXX GA branch since XXXX had nothing available for almost 4 days. 
I went to my appointment at the XXXX location on XX/XX/XXXX and to my dismay they only had 2 tellers, and 1 person assisting customers with appointments. My appointment was scheduled for XXXX and there were people still waiting for their appointment prior to me. I was on my lunch break an was unable to wait after waiting an hour. 
its absolutely absurd that I am unable to get help with this issue and keep getting shuffled around by everyone that is supposed to be helping me. 


Old Address : XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX New Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the fair reporting credit act XXXX XXXX  account number XXXX Has violated my rights. 15 U.S.C 1681 section 602 A -states I have the right to privacy 15 U.S.C 1681 604 A - section 2 also states I consumer reported AC Can not report an account without my Written instruction or consent to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: CA

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

15 U.S.C.1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a without my written instructions.

15 U.S.C.1666b section A creditor may not treat a payment on a credit card account under an open ed consumer credit plan as late for any reason.

Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt XXXX Case case number is 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 2022-07-04 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: CA

Complaint narrative:
In accordance with the fair reporting credit act XXXX XXXX account number XXXX Has violated my rights. 15 U.S.C 1681 section 602 A -states I have the right to privacy 15 U.S.C 1681 604 A - section 2 also states I consumer reported AC Can not report an account without my Written instruction or consent to do so.

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 2022-07-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the fair reporting credit act XXXX XXXX account number XXXX Has violated my rights. 15 U.S.C 1681 section 602 A -states I have the right to privacy 15 U.S.C 1681 604 A - section 2 also states I consumer reported XXXX  Can not report an account without my Written instruction or consent to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 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: CA

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

15 U.S.C.1681 section 602 A. States I have the right to privacy. 

15 U.S.C.1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a without my written instructions. 

15 U.S.C.1666b section A creditor may not treat a payment on a credit card account under an open ed consumer credit plan as late for any reason. 

Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt XXXX Case case number is 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 2022-07-04 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: EQUIFAX, INC.
State: CA

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

15 U.S.C.1681 section 602 A. States I have the right to privacy. 

15 U.S.C.1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a without my written instructions. 

15 U.S.C.1666b section A creditor may not treat a payment on a credit card account under an open ed consumer credit plan as late for any reason. 

Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt XXXX  Case case number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Monday XX/XX/2022. I received two alerts from Bank of America about an attempted login to my mobile banking. The first alert I did not respond to due to, being at work. The second alert is where I responded that it was not me who authorized this login. Therefore they sent me a phone number to contact to reset my ID and Passcode for my mobile banking. After I did this everything was fine. Then a few days later on Friday, I tried to log into my mobile banking but was not able to and was directed to call BofA. Which I did and was then transferred to the fraud department which is where I was placed on hold for over an hour! Only to not be helped by anyone due to them hanging up on me because it was closing time. So I call the next day Saturday XX/XX/XXXX and again I was on hold for XXXX and XXXX. Finally when I got someone on the phone the lady that was assisting me, was not only no help at all with my situation! She went even further to go and start insinuating that I was lying as to who I was as well as to blame me for getting my mobile banking compromised. After she blamed me for something I had no control of she then stated that all my accounts are now closed due to this fraudulent activity which I find is not far due to my long great standing history with this bank, and the fact that I wasnt given any help or choices to prove my identity/validation that these are my accounts. Nor did the lady on the phone make me feel as though I was being protected. All she did for me was recommended me to open a new account with another bank. But yet no information as to whats going to happen with my current money in my checking accounts and had no sympathy when I had informed her as to what am I supposed to do with no money for 2 weeks. It is completely ridiculous how this bank handles fraudulent activity.

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 2022-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
XXXX Bank a Walmart credit card. Has repeatedly added an interest fee on my monthly statements. Despite there being no causation to do so. 

When I contact their representatives. And have them review my account. They remove it. 

I XXXX out my account monthly. And I have NEVER been late on a payment! 

Though it is a small fee on $ XXXX. If each consumer is billed this fee. In this way. 

It could prove to be millions. I refuse to pay this. And I should not need to defend my payment history. For random added fees tri-monthly!

Company response to consumer: Closed with monetary relief