vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-01 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: AL

Complaint narrative:
CAPITAL ONE AUTO FINAN LATE PAYMENT Balance {$30000.00} Updated on XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I received a call from XXXX on Tuesday XX/XX/2022 at XXXX XXXX Arizona time, they told me I was in collections with TD Bank USA, N.A which is my Target Red Card. I had not received any notice in the mail and I wasn't sure who this XXXX is. I have mental illness and this was causing me distress. They said I needed to make a payment. I said that I would like to settle. The lady said let me check. She said I could settle for {$290.00} I told her I could only afford {$170.00}. I said that I was going to be going bankrupt soon but was trying to settle as many of my debits as possible before that. I gave her a credit card and it was my understanding that I would settle for {$170.00}. I now find out that I was just making a payment. I called back and told my that I have special needs and that I have mental illness and that I was taken advantage of. They said I was never offered a settlement. I then pressed and they said yes the lady did say {$290.00} but that I was not allowed to do that. I feel taken so I requested to talk with supervisor and I got the same lies and that I was never approved for a settlement. Please help me if you can. I thank you. I called Target Red card and they said it was a payment not a settlement. So I closed the account. They took advantage of a person with special needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

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 2022-09-01 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:
I'VE BEEN REQUESTING THAT THE CREDIT BUREAUS VALIDATE THESE ACCOUNTS REPORTING TO MY CONSUMER REPORT AND ALL THEY DO IS SEND ME A RESPONSE SAYING THE ACCOUNTS WERE VERIFIED WITH NO PROOF. THIS HAS GOTTEN VERY ME VERY ANGRY AND UPSET BECAUSE I KNOW THEY ARE NOT FOLLOWING THE LAWS THAT I'VE BEEN READING AND VIOLATING MY RIGHTS AS A CONSUMER.

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 2022-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo cut off my XXXX payments before the 36 months the policy promised. My start date of XXXX benefits was XX/XX/XXXX. My payments for 36 months should originally have terminated at the end of XXXX. Because of my age ( XXXX when benefits started ) and another special criteria, XXXX XXXX, the policy allows an additional 12 months of benefits beyond the regular ( due to my age and XXXX XXXX  ) I should have been paid through XX/XX/XXXX. See attachments for Plan criteria. 

Although my treating doctor asserted that I was still XXXX a separate unqualified doctor hired by Wells Fargo, stated that I was not impaired. My doctor was a specialist and their doctor was not. They paid her {$840.00} to write two paragraphs to the banks benefit to deny the benefits. The adverse claim denial letter and the claim file both showed my doctors reports through at least XX/XX/XXXX ( my treating doctor sent XXXX pages of medical documents on XX/XX/XXXX ). I was not notified of the denial of benefits until XX/XX/XXXX XXXX also requires employers to provide a summary of material modifications to plan participants. This summary contains information about major changes to the plan and must be sent to plan participants within 210 days after the end of the plan year when the changes were made. I did not receive the summary of material modifications and spent months attempting to just get a copy of the original Plan. 

The XX/XX/XXXX version of the Plan document ( WF Policy ) eliminated the reference to special mental health conditions that allotted for an additional 12 month of benefits. I was qualified for that special consideration. But the copy of the Plan sent to me in XX/XX/XXXX did not contain the paragraph referencing the special conditions and its removal was not documented in the amendment section at the back of the document. It seemed that the material had just disappeared. I looked up the employee copy of the XXXX in the employee handbook in XX/XX/XXXX and the section was not remove in that document which is supposed to mirror the Plan, ( the document in the employees handbook ) The XX/XX/XXXX official copy of the Plan did not document the removal of the special circumstances section. The amendment section in the Plan is required to document all additions, changes and deletions when changes are implemented. Wells Fargo failed to do so.

W

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 2022-09-01 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: FL

Complaint narrative:
I am aware that consumer reporting agencies have received my nonpublic personal information from XXXX fraudulently and do not have lawful authority to furnish this information for any non-affiliated third parties to see. The consumer reporting agencies to whom XXXX has provided my non public personal information are not required by law to furnish my non public personal information ; however they are doing so and receiving unjust enrichment. I have reason to believe the consumer reporting agencies XXXX have disclosed my non public personal information to are aiding and abetting criminal enterprises in the collection of extensions of credit through extortionate means and coercion. I am aware that receiving proceeds of extortion is illegal. 

As a consumer I have a right to privacy. Punishing me for the nonrepayment of an extension of credit by disclosing negative information, not required by law, to a nonaffiliated third party without my lawful authority gives me reason to believe that this is a pattern of racketeering activity. XXXX furnished my nonpublic personal information to Consumer reporting agencies through aggravated identity theft, pursuant 18 USC 1028a ; due to the fact I never gave lawful authority or consent for them to be in possession of my nonpublic personal information. I have reason to believe XXXX is criminal enterprise involved in conspiracies to cause restraint of commerce.

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 2022-09-01 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: CA

Complaint narrative:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, Transunion, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

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 2022-09-01 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: CA

Complaint narrative:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: MI

Complaint narrative:
I have been victim of identity theft over two years ago and am still having new accounts opened with my stolen personal information. 
The company CashApp has continually sent me debit cards for new accounts that have been opened in my name. I have received nearly 10 different cards with my information on them. Their customer support and fraud team is disappointing to say the least when it comes to providing help to close these accounts. 
I am asking for your support in getting this company to cease allowing anyone to open accounts using any of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
I am not familiar with these charges. I have been unable to contact the bank to get a replacement card or to open an investigation. 


XX/XX/2022 XXXX XXXX Withdrawal XXXX XXXX, PA, XXXX XX/XX/2022 XXXX XXXX Withdrawal XXXX XXXX XXXXXXXX, XXXX XX/XX/2022 XXXX XXXX Withdrawal XXXX XXXX XXXX, XXXX XX/XX/2022 XXXX XXXX Withdrawal XXXX XXXXXXXX, XXXX  XX/XX/2022 XXXX XXXX Withdrawal SXXXX XXXX XXXXXXXX XXXX, TN, XXXX XX/XX/2022 XXXX XXXX Withdrawal XXXX XXXXXXXX, 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 2022-09-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, Used XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Mortgage Companies XXXX Finance XX/XX/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 cannon furnish an account without my written instructions. 

Also, my full name is XXXX XXXX XXXX XXXX often times they mistake my father for me. I have even seen on my credit report a " XXXX XXXX '' and i have no idea who that is. Please resolve this issue in a timely manner.

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 2022-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: FL

Complaint narrative:
I sent a response to the AFNI Inc well within the time frame that was posted on the letter to respond. The company was supposed to validate the debt and send me the requested information contracts and supporting information to prove that I owe the alleged debt. They still reported the debt to the consumer reporting agencies. By law stated in the CFPB guidelines the Collection agencies are not supported to report info that is being investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I write XXXX and XXXX and asked for any closed accounts to be removed from my account and they still appear. I want any closed accounts removed from my account for employment purposes

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 2022-09-01 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: NC

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-09-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I'm writing because on my reports from XXXX XXXX XXXX and Equifax They show i have a Public record of Bankruptcy dated XXXX in which I've never applied for. I contacted the Bankruptcy court via mail also stating to me they did not report this to either bureau. I've also found several inconsistency 's with all three reporting 's on my report which is an FCRA violation and is grounds for immediate removal. Equifax shows the court as US Dist ct XXXX shows US Bankruptcy Court and XXXX Shows US BKPT CO XXXX as the reporting court. Please remove immediately these are fraudulent and inaccurate and don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I'm writing because on my reports from Experian XXXX XXXX and XXXX They show i have a Public record of Bankruptcy dated XXXX in which I've never applied for. I contacted the Bankruptcy court via mail also stating to me they did not report this to either bureau. I've also found several inconsistency 's with all three reporting 's on my report which is an FCRA violation and is grounds for immediate removal. XXXX shows the court as US Dist ct XXXX shows US Bankruptcy Court and Experian Shows US BKPT CO XXXX as the reporting court. Please remove immediately these are fraudulent and inaccurate and don't belong 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 2022-09-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX Miscellaneous Banks XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax AN XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX Miscellaneous Automotive XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Used XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/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 cannon furnish an account without my written instructions. 

Also, my full name is XXXX XXXX XXXX XXXX often times they mistake my father for me. I have even seen on my credit report a " XXXX XXXX '' and i have no idea who that is. Please resolve this issue in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2022 I was contacted by Capital One about the Venture XXXX credit card I opened up and they said that they needed me to submit some information for identity verification. I uploaded those documents on the same day. 

On XX/XX/2022 I called Capital One to make sure that I uploaded everything correctly, they said that I needed to add a few more bank statements and other documents which I added. On the phone they said everything looked good and to wait to hear back. 

On XX/XX/2022 I got a call from a Capital One agent who wanted to get on the phone with my XXXX XXXX  account to confirm some information I submitted. The Capital One agent tried to call XXXXXXXX XXXX multiple times and could not get ahold of anyone. The agent said that my account had then been marked as permanently restricted and there was nothing I could do to get it open again. I tried to get specific information about why my account was being permanently restricted and was connected with a manager who could also not give me any information. I have talked with multiple different agents at Capital One who say there is nothing to be done to prove my identity and they can't give me any information on what the discrepancies were. I have been charged a {$390.00} membership fee for the card which can now not be refunded and Capital One says there is no way of getting back even though the permanently restricted my account and I will have no access to my rewards points or any membership benefits. Being locked out of my account and having to eat {$390.00} without any explanation has been really hard to process and that amount of money is a significant amount to me. I find it absurd that I can't do anything further to prove my identity or at the very least be reimbursed for my membership fee that any benefits of are now also permanently locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX acct XXXX XXXX XXXX acct XXXX XXXX acct XXXX XXXX acct XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX acct XXXXXXXX XXXX XXXX acct XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A, state i have the right to privacy. 
15 U.S.C. 1681 section 602 A, section 2, it also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: TX

Complaint narrative:
Ive never dealt with XXXX and Im being told that my information is verified and that my email is also verified but Ive never used XXXX or even attempted to use XXXX too build credit all my debts on my account have been attempts to build credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation