vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-29 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX ) XXXX XXXX XXXX XXXX - XXXX late payments wrongly reported XXXX XXXXl XXXX XXXX XXXX XXXX late payment wrongly reported XXXXXXXX XXXX XXXX  XXXX remove whole account or update every late payment XXXX XXXX XXXXXXXX XXXX and XXXX of XXXX  late payments wrongly reported XXXX XXXX XXXX XXXX, XXXX of XXXX late payment wrongly reported -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - EQUIFAX XXXX XXXXXXXX XXXX XXXX late payments wrongly reported XXXX XXXX XXXX  XXXX XXXX late payment wrongly reported XXXX XXXX XXXX XXXX remove whole account XXXX XXXX XXXX XXXX XXXX XXXX remove whole account XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( XXXX ) XXXX XXXX XXXX late payments wrongly reported XXXX XXXX XXXX XXXX late payment wrongly reported XXXXXXXX XXXX XXXXXXXX remove whole account or update all late payments 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 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 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was laid off from my job because of XXXX so I was kind of struggling in paying but I still did I was late and I still want these to be removed because I'm planning to get a mortgage and I know that these lates will affect my credibility.

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 2022-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have asked Capital One XXXX to remove me from their mailing lists at least a dozen times over five years to stop mailing me marketing promotions but they refuse. They are sending marketing materials to an XXXX I have, XXXX XXXX XXXX XXXX XXXX. I am on all do not contact lists, personally & for this business, but they must not look at them or using them in their marketing programs. Please help me get Capital One XXXX to stop mailing me, as I have requested many, many times. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, I instructed Bank of America to pay via XXXX {$160.00}. I found out that the intended receiver account had been hacked so Improceede to contact bank of america but had difficult time getting a life person. Finally on XX/XX/22 spoke to someone that understanding my issue, transferred the call to XXXX XXXX XXXX. After holding for more that XXXX XXXX my call was cut-off. I king of gave up as don't want to spend my time trying to have a conversation with BofA. I also received a request to evaluate my interaction with BofA and while the person on the line was very pleasant, I did point out that I failed to report the fraud since mu call was lost after an hour waiting. 
Yesterday,XXXX after talking to some family member the convince me to recontact BofA again another long process and after that I got the message : Soory we are closed try again during business hour. 

This morning, XX/XX/22 I was luck as it took less that XXXX XXXX to have my call answered and must say spoke to a very pleasant young lady, XXXX, she patiently took all the information and proceeded to dispute the transaction. 

I am disappointed that perhaps a more expedite action on the part of Bank of America could have helped stop this forgery activity from taking place and even more important flag these fraudster so other consumers don't fall for these scams.

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 2022-08-29 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: FL

Complaint narrative:
Equifax has refused to follow my demand. I found unauthorized inquires on my consumer report. I am demanding them to be removed. ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX has violated my rights as a consumer. 

15 USC 1681 Section 602 States I have a right to privacy.

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

15 USC 1666 B : 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 2022-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights as a consumer. 

15 USC 1681 Section 602 States I have a right to privacy.

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

15 USC 1666 B : 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 2022-08-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MoneySpot USA LLC DBA Sunshine Loans
State: TX

Complaint narrative:
XX/XX/XXXX I received a Notice of Adverse Action stating that I was turned down for a loan from Sunshine Loans. 
The letter was addressed to my maiden name and references an alleged loan number. I never applied for a loan. 
XX/XX/XXXX I called to discuss with the company and was told this letter was so that I could apply for a loan. I explained that I never applied and the person hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: Santander Consumer USA Holdings Inc.
State: WA

Complaint narrative:
Unauthorized inquiry to my consumer report. On XX/XX/2021 Santander consumer USA obtain my XXXX consumer report without my authorization or a permission. I do not recognize this inquiry or any accounts with this company that is listed on my credit report,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I XXXX searched " XXXX XXXXXXXX '' on the shopping tab. XXXX XXXX popped up with the camera for {$500.00}, with $ XXXXshipping. A total of {$550.00}. After I placed the order, it was requested that I pay via XXXX through my PNC app. My order number was # XXXX and said " pending ''. I did not receive further instructions regarding where to send it, so I used their XXXX  to inquire, nor did I receive an invoice or receipt. 

A person named " XXXX XXXX '' responded and sent me an email from XXXX with instructions to issue the payment to XXXX ( an individual named XXXX XXXX ). He also requested that I reply with a screenshot of the XXXX payment. I did so and requested that I be sent an invoice and tracking number when it was shipped. I was told it would be sent today ( XX/XX/2022 ). 

I noticed the next day that it was still saying " processing '', so I inquired via the XXXX  with no response. I emailed the admin account, was told the item was going to be shipping soon, and the following day, they stated that I had not made the payment ( despite confirming that it was received ) They are also not answering the phone number listed on their website. They have since removed the ability to use the XXXX  from my account, Upon looking deeper on their XXXX business reviews, I saw that two things had occurred. Firstly, there is a review left by " XXXX XXXX '', the same name as the person who allegedly works there. Secondly, another user commented that the business was a scam. 

I contact my bank ( PNC Bank ) to dispute the transaction and report the fraud. They told me to call back once the payment has cleared my account. It cleared on the XXXX. 

I filed a dispute with my bank and they said I would hear back in 10 business days. They have since told me that my dispute was denied because it was not considered fraud. However, from what I understand, this agency has been pushing to include XXXX scams to be recognized as an " unauthorized '' payment. I have also not heard from the " seller ''. I have documentation of the scam below. 

I have filed reports with : The FTC, the Illinois Attorney General, the FBI, and the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Agency used derogatory, XXXX  and offensive language while communicating with me about a debt. 
I contacted the original credit company that contracted agency but there was no change of agency. 
Agency ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) contacted me again via phone after they were sent letter to only send communication in writing and informed of rep using derogatory and XXXX comments. 
The bank ( original credit company, BOA ) was made aware of the tactics on more than one occasion but nothing was done to rectify the situation. The bank has a history of using companies that use these form of tactics with brown and black debtors.

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 2022-08-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29 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: NY

Complaint narrative:
Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by the law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C Sec.1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you pease check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

I DEMAND THE FOLLOWING ACCOUNTS TO BE VERIFIED OR REMOVED IMMEDIATELY. 

Name of account Account number XXXX XXXX XXXX XXXX Name of account Account number XXXX XXXX XXXX XXXX Name of Account Account number XXXX XXXX XXXXXXXX XXXX Cancel contracts. Please provide the original contract or delete. 

I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 



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

15 U.S.C 1681 section 602 A. States I have rights 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 2022-08-29 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: NY

Complaint narrative:
Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by the law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C Sec.1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you pease check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

I DEMAND THE FOLLOWING ACCOUNTS TO BE VERIFIED OR REMOVED IMMEDIATELY. 

Name of account Account number XXXX XXXX XXXX XXXX Name of account Account number XXXX XXXX XXXX XXXX Name of Account Account number Preferred Lease. XXXX XXXX Cancel contracts. Please provide the original contract or delete. 

I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 



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

15 U.S.C 1681 section 602 A. States I have rights 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 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 2022-08-29 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXXXXXX # XXXX has violated my rights as a consumer. 

15 USC 1681 Section 602 States I have a right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Customer service transfers you over and over and you get the runaround. My question relates to getting the Account and Routing numbers. Prepaid cards DO have this as well. B of A is dragging their feet because they told XXXX  they wanted OUT of the contract to provide the service. 

Online threads ( see attachment ) report that people have been able to get this information- so it has to be available somewhere.

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 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: MN

Complaint narrative:
Hello, During the COVID-19 crisis, I made over {$15000.00} of payments towards my student loan and now it's looking like I will be laid off shortly. I need to retrieve my last 8 payments made within this last calendar year to make sure I have money if I'm unemployed. I tried contacting my loan servicer Aidvantage, and it took 2 hours to get a hold of someone and they hung up on me mid-call. This happened again 45 min later .... Then the automated machine would simply end my call. This was all during business hours! I finally got a hold of someone again after being on hold for 2 hrs and 13 min and made my request. They said there wasn't anything they could do and they'd follow-up, as they need 6 weeks of approval time! Why would my money take 6 weeks to get back to me and possibly be denied on top of that?! The law is clear, I should be entitled for repayment of my payments made after XX/XX/XXXX. Aidvantage is not cooperating with me. This was all requested on XX/XX/XXXX and I have left them several emails, only to be ignored. The emails were sent XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I made a purchase on XX/XX/XXXX at XXXX using their credit card through Comenity Bank. The purchase order total was {$85.00}. When I received the credit card statement the total was {$110.00} which included a {$25.00} credit ( not sure where this came from ). I called customer care through Comenity on XX/XX/XXXX and after finally getting to a person ( XXXX ) was transferred to mail order department through XXXX. I spoke with a gentleman there who verified that my balance on the order was indeed for {$85.00}, but he was unable to make the correction and he transferred me back to Comenity Bank. I was then put in a loop and repeatedly asked to press 1 or 2 to get to a customer care rep. After listening to the canned instructions five times and pressing 1 each time after the instructions were completed, I hung up. Bottom line, there was a major discrepancy between my purchase and my credit card statement and I am unable to reach anyone who can assist in this matter. My XXXX/Comenity credit card is going through the shredder, but I would like this issue resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-29 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Can you please have these 3 lying companies investigate these inaccurate account. 

They do not meet FCRA and FDCPA laws, they are violating so many laws in my face. 

Can you please help me out, Ive disputed multiple of times, and they failed to do their job. 

They also failed to provide me with any documents concerning everything i disputed.

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