vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-15 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: OK

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, My name is XXXX XXXX and I am writing to dispute several negative items that have been reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ), I have the right to request that inaccurate and outdated information be removed from my credit report. 

Firstly, I would like to dispute the following account : XXXX XXXX XXXX  XXXX XXXX, Account Number : XXXX. I have noticed that the same incorrect information is being reported, and nothing has been updated. Therefore, I request that you remove the incorrect late payments from this account as soon as possible. 

Secondly, I am disputing the account : XXXX XXXX XXXX XXXX, Account Number : XXXX. I am interested to know how you are always able to verify something that never actually happened. I dont remember ever being late with any of my payments. Therefore, I request that you remove this harmful incorrect data immediately from my credit file. 

Thirdly, I am disputing the account XXXX XXXX XXXX  Account Number : XXXX. Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. I request that you fix or delete this account from my report completely. 

Fourthly, I am disputing the account : XXXX, Account Number : XXXX. Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. I request that you fix or delete this account from my report completely. 

Fifthly, I am disputing the account : XXXX XXXX, Account Number : XXXX. Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. I request that you fix or delete this account from my report completely. 

Sixthly, I am disputing the account : XXXX, Account Number : XXXX. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Lastly, I am disputing the account : XXXX  XXXX XXXX, Account Number : XXXX. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

I respectfully request that you investigate these disputes in accordance with the FCRA and provide me with a written response. If you find that any of the information I have disputed is inaccurate, I request that you correct or delete it from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account information : 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 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 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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
On or about XX/XX/XXXX Bank of America withdrew {$83.00} in funds from my account with out my consent or knowledge, when I called Bank of America to see what the charge was for, the woman I spoke with said it was for recovery for forced closed account for an old account, when I asked her for what closed account because I was unaware that I owed any money to them, she said I owed them for overdraft fees from an account in XXXX that was closed and another account from XXXX. She told me that they didnt have to notify me and that it would probably happen again. Now my account is overdrawn, how can they do this without notifying me first? I cant pay my bills now. I thought my permission was needed to withdraw funds from my account, Ive had this account with Bank of America for several years now, why are they just now deciding to take money from 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 2023-03-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I spoke to them XX/XX/XXXX about not receiving statements. They never mentioned being past due. Until I talked to them XX/XX/XXXX again because again I had not received statements

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-15 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: ID

Complaint narrative:
On XX/XX/2023 I sent NMAC ( Nissan Motor Acceptance Corp ) a letter requesting them to update and remove a voluntary repossession from all of my credit bureaus, including the ones that most consumers do not know of ( XXXX, etc. ) Because I had spoken with several representatives via phone and this is what they had asked me to do in order to get it taken care of officially and legally. I didnthat, and got a returned delivery receipt via the XXXX on XX/XX/2023 that it had been received by someone at their address. In have since heard absolutely nothing from them and when I call, they tell me there's nothing they can do. This is frustrating because that car which my husband and I turned in, was worth double what they sold it for, and they tacked on fees so it was less than half, conveniently, of what we owed on it. Someone got an awesome deal on our XXXX XXXX! Now, since we were screwed on the repo, they are still screwing both of us now because it has been nearly 5 years to the day since the car was turned in back to them. I was assured by Nissan motors acceptance corporation that if I had written a letter and sent it to them with proof of delivery which I did, that they would take care of it and remove it from my credit report and only go after my ex-husband 's credit report for the balance for the remaining few days that it would be on the credit legally, since it has been 5 years nearly to the day. They have done nothing to help me at all whatsoever after they said that they would!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
On XX/XX/2023 I sent XXXX ( XXXX XXXX XXXX XXXX ) a letter requesting them to update and remove a voluntary repossession from all of my credit bureaus, including the ones that most consumers do not know of ( XXXX, etc. ) Because I had spoken with several representatives via phone and this is what they had asked me to do in order to get it taken care of officially and legally. I didnthat, and got a returned delivery receipt via the USPS on XX/XX/2023 that it had been received by someone at their address. In have since heard absolutely nothing from them and when I call, they tell me there's nothing they can do. This is frustrating because that car which my husband and I turned in, was worth double what they sold it for, and they tacked on fees so it was less than half, conveniently, of what we owed on it. Someone got an awesome deal on our XXXX XXXX! Now, since we were screwed on the repo, they are still screwing both of us now because it has been nearly 5 years to the day since the car was turned in back to them. I was assured by XXXX XXXX XXXX XXXX that if I had written a letter and sent it to them with proof of delivery which I did, that they would take care of it and remove it from my credit report and only go after my ex-husband 's credit report for the balance for the remaining few days that it would be on the credit legally, since it has been 5 years nearly to the day. They have done nothing to help me at all whatsoever after they said that they would!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15 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: ID

Complaint narrative:
On XX/XX/2023 I sent XXXX ( XXXX XXXX XXXX XXXX ) a letter requesting them to update and remove a voluntary repossession from all of my credit bureaus, including the ones that most consumers do not know of ( XXXX, etc. ) Because I had spoken with several representatives via phone and this is what they had asked me to do in order to get it taken care of officially and legally. I didnthat, and got a returned delivery receipt via the USPS on XX/XX/2023 that it had been received by someone at their address. In have since heard absolutely nothing from them and when I call, they tell me there's nothing they can do. This is frustrating because that car which my husband and I turned in, was worth double what they sold it for, and they tacked on fees so it was less than half, conveniently, of what we owed on it. Someone got an awesome deal on our XXXX XXXX! Now, since we were screwed on the repo, they are still screwing both of us now because it has been nearly 5 years to the day since the car was turned in back to them. I was assured by XXXX XXXX XXXX XXXX that if I had written a letter and sent it to them with proof of delivery which I did, that they would take care of it and remove it from my credit report and only go after my ex-husband 's credit report for the balance for the remaining few days that it would be on the credit legally, since it has been 5 years nearly to the day. They have done nothing to help me at all whatsoever after they said that they would!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: VA

Complaint narrative:
The Carmax account on my credit report recently started reporting my account with an inaccurate date of last payment and balance, I tried to dispute this, it was verified as inaccurate and fixed on one report, but is still showing the inaccurate information on the others. I have a letter from Carmax stating my actual date of last payment and reported delinquency, which does not match my credit report and affects the date the account is to be no longer reported. Several erroneous charges and payments are now added to the account after the charge off period, I was never informed of these charges or payments, and I was never informed of any auction or sale for the repossessed vehicle which is required by Virginia law, the state in which I acquired the loan ; these new dates of payment that I did not make after the charge off, that never appeared in the credit report until recently, have now been counted as my date of last payment and this is against the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent A credit report dispute form to your company due to fraudulent inquiry 's reporting on my credit report. I have sent this via Certified mail to you as well as attached it here to view. I am requesting ALL be removed as i have reached out to the credit reporting companies and your credit reporting bureau with no resolution. This is my last attempt before having to contact an attorney to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The following names are being reported on my consumer report and it is not my identity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following addresses are being reported on my consumer report that are not mine and need to be removed immediately. 

XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX, NC XXXX The only name that should appear on my consumer report is the following. 

XXXX XXXX XXXX XXXX The only address that should appear on my consumer report is the following XXXX XXXX XXXX XXXX XXXX, TN 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 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
XXXX $ was charged from atm two times I only had XXXX in my account and my account doesnt have overdraft they have my account at XXXX they have not helped like I thought they would they gave me run around the whole process

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I deposited a payroll check in the atm than it got stuck and check not found

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I received a notification that my Ally debit card was charged four separate times ; the first merchant XXXX  based in FL in the amount of {$190.00} was Debited, the 2nd a Mobile Wallet Update out of XXXX XXXX for {$0.00} which was Declined, a 3rd from XXXX  for {$110.00} also Declined, and a 4th transaction by XXXX XXXX XXXX for {$39.00} out of MD which was Debited. ( There was also a record of a purchase we did make for {$44.00} at XXXX in NY where we live and were at the time of these fraudulent debits ). I received this notification via email and text asking if I authorized the transactions above because Ally flagged them as suspicious. I immediately responded, flagging all the transactions including the two that were debited as fraud. My debit card was closed and the transactions were credited to my account by Ally. I called the company ( XXXX ) listed to see what the charges were for ( they had no website ), and the company had no record of any of my informationno account or orders under my Name, Phone Number, Address. The fraudulent company then asks me for my full debit/credit card number to do a more thorough search ( yeah, right ). 

THREE months later on XX/XX/XXXX, I receive a letter in the mail stating Ally conducted an investigation and their findings concluded the merchant provided sufficient documentation stating the transaction was authorized and Ally was re-posting the {$190.00} provisional credit and reversing their decision on XX/XX/XXXX ( that same day ). I had since pulled all money out of this account because Ally has yet to send me a new debit card after requesting a new one 3 times and for a whole month after this incident. No new card was ever sent to me ( this is an even longer story ). Because I had virtually no money in that account, my account was drawn into the negative because of this incorrect reversal. I immediately call Ally back to request a copy of the documentation they received and gathered to make this determination. The customer service reps says he isn't able to see " any documentation that shows how the transaction was authorized '' under my dispute number like the letter states. The customer service rep states he needs to escalate this up to his supervisor. I get placed on hold, I then ping pong from department to department, unable to get any further clarity on why the decision was reversed. I also call the fraudulent company again to ask what information they have of mine. They have none and no receipt or confirmation that I made a purchase ( they ask me for my full debit card again ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
Navy FederaXXXX XXXX took 80 % of my paycheck without court order leaving me with XXXX $ to pay rent. this happened on XX/XX/2023. I called to try to get the amount taken at least reduced and I was told to " be happy they didn't take it all. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: RentDebt Automated Collections, LLC
State: AL

Complaint narrative:
I want the XXXX XXXX XXXX  and the automated rent debt collection removed from my credit. Both accounts have been paid

Company response to consumer: Closed with explanation