vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I reported a fraud charge on my credit card made on XX/XX/2023 for {$640.00}, I was credited for the amount and then charged back again for the amount. I contacted my credit card company multiple times stating it was a fraudulent charge they called the merchant XXXX and they claim its a valid charge but Im telling them its a fraudulent charge and the credit card company capital one is holding me responsible for the {$640.00}. They dont care for my safety as a consumer and wont protect my account but will gladly hold me accountable to pay for a fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
I have already paid the pending balance of {$55.00} online and asked the customer representative to remove me from the communication list. 

I kept getting calls and mail reminders even though my current balance is XXXX. They never removed me from the communication list and I recently received a letter from debt collectors.

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 2023-08-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I noticed that Capital One has reported a charge-off status for an account that I believe has been inaccurately reflected. I have diligently maintained my financial obligations and made efforts to address any outstanding balances. 

They started reporting this on XX/XX/XXXX. The last reporting was on XX/XX/XXXX. The balance on this is XXXX dollars. It is to my understanding that they have sold my account to a collection agency in the beginning but now they got a credit from the IRS when filing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a compliant against XXXX, TRANSUNION, and XXXX about the account by XXXX on my consumer report on XX/XX/2023 and I received a computer generated response on XX/XX/2023 that did not resolve my issue of XXXX using my credit report for reasons that do not abide by federal law. I have the right to privacy and 100 % accuracy. On XX/XX/2023 XXXX, Transunion, and XXXX reported inaccurate information regarding XXXX on my credit report, I have received several responses through CFPB from all THREE credit bureaus that they have confirmed and verified the information with the account mentioned is correct when that is impossible, I will be submitting proof that the credit bureaus did not update the inaccurate information and in-fact reported MORE inaccurate information which I have highlighted in the document I will attach with the complaint. On XX/XX/2023 I highlighted all inaccurate information regarding the account and when I received my new report on XX/XX/2023 it was still inaccurate information reported on my credit report by the three credit bureaus. I will no longer accept the computer generated responses that doesnt rectify my issue I am demanding the credit bureaus mentioned in this complaint to remove the account mentioned in this complaint from my credit report IMMEDIATELY due to failing to update inaccurate information. 
I am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 
Accounts : XXXX account XXXX 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 2023-08-14 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: CA

Complaint narrative:
I submitted a compliant against XXXX, XXXX, and EQUIFAX about the account by XXXX on my consumer report on XX/XX/2023 and I received a computer generated response on XX/XX/2023 that did not resolve my issue of XXXX using my credit report for reasons that do not abide by federal law. I have the right to privacy and 100 % accuracy. On XX/XX/2023 XXXX, XXXX, and Equifax reported inaccurate information regarding XXXX on my credit report, I have received several responses through CFPB from all THREE credit bureaus that they have confirmed and verified the information with the account mentioned is correct when that is impossible, I will be submitting proof that the credit bureaus did not update the inaccurate information and in-fact reported MORE inaccurate information which I have highlighted in the document I will attach with the complaint. On XX/XX/2023 I highlighted all inaccurate information regarding the account and when I received my new report on XX/XX/2023 it was still inaccurate information reported on my credit report by the three credit bureaus. I will no longer accept the computer generated responses that doesnt rectify my issue I am demanding the credit bureaus mentioned in this complaint to remove the account mentioned in this complaint from my credit report IMMEDIATELY due to failing to update inaccurate information. 
I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
Accounts : XXXX account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: NJ

Complaint narrative:
On XX/XX/XXXX, I was locked out from my online banking I called Bank of America and The lady told me both my checking and credit account was being closed, I ask her for the reason she said that *We are not obligated to provide you with a reason * I went to the bank to withdraw some funds I couldnt I had to pay for Daycare the XXXX Finally a manager was able to help me withdraw a small amount, *I had over XXXX on the account * when I proceed to ask the banker what may be the reason of my accounts being closed he answered *I myself have reviewed your account and dont see any red flags its surely because of where you live, you race I also see a dispute for XXXX XXXX it may be for that. I was shoked I was with the manager of the bank told me that. I tried doing escalation to get the rest of my funds but its been 5 days they told me 3-5days still nothing AND ALSO THERE IS NO CLOSING DATE SO I DONT EVEN KNOW WHAT YEAR OR MONTH AM I GETTING THE REST OF MY FUNDS. I FEEL SO HUMILIATED

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 2023-08-14 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Victim of Identity Theft through XXXX Data breach. Want Fraudulent inquiries removed from credit report. 

XXXX 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 2023-08-14 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: NY

Complaint narrative:
In accordance to the Fair Credit Reporting act this creditor has violated my rights. Under 15usc1681 section 602 states I have the right to privacy. Section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666 B a creditor may not treat a payment on acredit card account under an open and 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 2023-08-14 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: TX

Complaint narrative:
This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX 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 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have been a victim of a horrible crime, whereby I was XXXX XXXX forced to reveal my phone passcodes and authentication information while visiting in XXXX XXXXXXXX XXXX  As a result of this I lost access to my apple XXXX account and thereby access to my AppleCard by Goldman Sachs account. 

I had an installment plan for my XXXX XXXX and since I had lost visibility into the account, I attempted to pay it off early by making a payment of what the CSR indicated was the balance of the loan of {$370.00}. This payment cleared my bank on XX/XX/2023. 

After this payment was made, and I attempted to close the account, I am told by another CSR that I have a {$98.00} balance, which I reluctantly paid. When I asked for a detailed ledger of the payments made to the installment plan in question so that I could reconcile the total amount and whether I am paying the right amount or overpaying and I was not able to receive a ledger nor any clarifying information, even by escalating to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Capital Bank announced via email to customers in XX/XX/XXXX a promotional offer " EARN 2 % CASH BACK up to {$25.00} bonus cash back when you make eligible home improvement purchases with your XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX'. 
The offer period was XX/XX/XXXX - XX/XX/XXXX. 
I made several purchases during this period at stores like The XXXX XXXX and XXXX. 
I never received the promised extra cash back points. 
I contacted the company several times via their messaging system. Their usual answer is that I should call to speak to someone in person. 
I even submitted documentation about the promotional offer. I then called and spoke with a representative who claimed he never heard about such an offer but he would pass on a note to get back to me. 
The last conversation was with XXXX on XX/XX/XXXX. She also could not find anything about this offer but told me the Back Office will get back to me. No answer XXXX weeks later.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-14 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: EdFinancial Services
State: PA

Complaint narrative:
EdFinancial has reported to the credit reporting agencies that I currently have 4 loans with them, amounting to {$13000.00}. This information is inaccurate. On their official website, which I will show below, they have only 3 loans, amounting to {$7600.00}. Not only is that information incorrect, but they are also reporting inaccuracies as to when these accounts were opened. The loan amount for {$6200.00} was reported opened XX/XX/XXXX. I never opened that account. In addition to that, I never paid not 1 cent to this lender. I also didnt sign an agreement, nor take out these loans with EdFinancial. They are reporting these accounts with on time payments, since XXXX, and who is to say they wont decide to report late payments? According to the FCRA, all information is to be reported accurately. According to 15 U.S. Code 6802 section ( b ) OPT OUT ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2023, I applied for a credit card through Capital One and was illegally denied. 
After being denied, I send an adverse action letter to Capital One on the XXXX of XXXX. I have yet to still hear from them in regards to my demands for remedy. 

As per 15 U.S.C 1691, and 12 CFR 1002.4, a consumer can not be denied credit based on any aspect of a credit transaction. 

FRA 16 Part 2 states that my application was collateral security in a credit transaction. I was not granted the use of my credit, but my credit was used and there was unauthorized use of my Personal Private Information.

18 USC 8 defines what other securities are in regards to the US debt.

15 USC 1431 defines the duties and powers of banks. The power of a bank is to BORROW.

15 USC 1602 ( J ) defines an 'open ended " credit plan.

I will also send a Notice of Default to Capital One for not responding to my Adverse Action letter or my demands for remedy.

Further non-compliance will result in a Notice of Fault & a suit filed in US District Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: PA

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC
State: OH

Complaint narrative:
Didnt give me any information about the debt except that I owed them because XXXX didnt cover my full amount. She said that " I owed them two separate amounts, XXXX XXXX and XXXX XXXX  '' she didnt explain what either of the debts were owed for. she told me that they would settle for XXXX XXXX XXXX I didnt agree with it and she forcefully told me that she would take the deal if she was me and that shes going to mark my account that i have one day to pay it. I initially tried to dispute it and she told me that i couldnt do that. This was just an XXXX ridden situation with Revco Solutions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent.

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 2023-08-14 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: VA

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. 

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.

These inaccuracies are stopping me from buying a new home.

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