vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-30 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Opened : XX/XX/2015 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: SC

Complaint narrative:
I have had my card open 4-5 years plus and have yet to have a credit increase, even after paying on card on time every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: OH

Complaint narrative:
Equifax claims XXXXXXXX XXXX XXXX  has been verified as mine account, but yet XXXX XXXX XXXX  doesnt find any information in their system regarding any accounts. This XXXX XXXX XXXX account is negative affecting my equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
*THIS IS NOT A DUPLICATE COMPLAINT, THIS IS IN RESPONSE TO COMPLAINT # XXXX Hello, My name is XXXX XXXX, a federally protected consumer. I'm making this complaint against XXXX XXXX XXXX, XXXX and Capitol One for admitting to violating my federally protected rights on numerus occasions and admitting to participating in identity theft and security fraud as Capitol One has FAILED to protect me from my personal identifying information from being shared in exchanged for money. I have not received any documentary evidence, such as a trilateral contract, giving XXXX XXXX XXXX, XXXX any right to collect on this alleged debt. I've never given XXXX XXXX XXXX, XXXX my identifying information or Capital One the permission to share my identifying information. Being that XXXX XXXX XXXX, XXXX has my personal information that is in fact Identity theft. XXXX XXXX XXXX stated that they found no records supporting your allegations. As I mentioned before I am aware that in accordance with Article 9, the assignment of a defaulted note is IN FACT illegal. Both the assignee ( Capital One ) and the assigned ( XXXX XXXX XXXX, XXXX ) are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with XXXX XXXX XXXX prior to them attempting to extort me. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX XXXX, XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX, XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX, XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: IN

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act TXXXX XXXXXXXX, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX A ) XXXX, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX have violated my rights. 

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

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

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 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was reviewing my credit reports and found several violations in accordance with the Fair Credit Reporting the following accounts such as XXXX XXXX XXXX XXXX # XXXX, XXXX Bankruptcy XXXX Dock # XXXX, XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. the law States that 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 I am certain I did not provide anyone with my written consent!

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 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was reviewing my credit reports and found several violations in accordance with the Fair Credit Reporting the following accounts such as XXXX XXXX XXXX XXXX # XXXX, XXXX Bankruptcy Court Dock # XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. the law States that 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 I am certain I did not provide anyone with my written consent!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: AZ

Complaint narrative:
PLEASE DELETE ASAP The following addresses are not mines ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX the following Employers are not correct ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX THESE TWO BANKS ARE NOT MINES I DID NOT AUTHORIZE THEM. XXXXXXXX XXXX XXXX XXXX XXXX PLEASE DELETE ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: NV

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
The issues that I am having an issue with my private student loan. I filed bankruptcy in XX/XX/2019 and it was discharged XX/XX/2019. The bankruptcy case # XXXX. Im still being charged for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I purchased two properties in XXXX in the Virginia area. My loan was sold to the Mr. Cooper Mortgage Company. The transaction was uneventful and I did not miss any payments. In XXXX, I received a notice from the Mr. Cooper Mortgage informing me that I did not have insurance on the properties and that they would be placing forced insurance on the properties. My insurance company, the XXXX XXXX XXXX XXXX, provided proof of insurance for the second time and I attempted to make my regularly scheduled payment. The auto- pay system on the Mr. Cooper site would not accept the regular payment and forced me to make a double payment under protest. Their system erroneously said that I was behind in my payments. Despite the double payments being made, they monies were not applied. Several months later, the overpayment was refunded to me. However, the false information still reflects that the payments were unapplied. It is worth noting that despite these errors in XXXX, I did not miss a payment. 

In XXXX, I received a notice from Mr. Cooper informing me that my insurance had expired in XX/XX/XXXX and that they were placing forced insurance on the properties. I provided proof of current insurance and made a payment via the online services. The next month, I received a second call from the mortgage company indicating that I did not have proof of insurance. I again notified my insurance company, XXXX XXXX XXXX, and was informed that the Mr. Cooper Insurance Company had been provided proof of my coverage in XX/XX/XXXX. My insurance company again, provided proof of my insurance for a third time. I attempted to make a payment and was alarmed to see that Mr. Cooper now claimed that I owed over {$30000.00} in mortgage payments. Despite the fact that I provided proof for a fourth time and never missed my regularly scheduled payments, i am still receiving harassing phone calls from Mr. Cooper claiming that my payments are in arrears. I accessed their electronic system on XX/XX/XXXX and this incorrect information is still reflected. 

My supporting documents have identifiable information such as my loan number and name. I will gladly submit this information to you upon your request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XX/XX/XXXX, I went into Wells Fargo Bank branch # XXXX to initiate a wire transfer for {$1200.00} I arrived at the bank, all the employees were with other customers, so I waited patiently. The manager of this branch came out from behind a closed door and offered to help, but when he found out what I needed, he stated that he doesn't do wires that often, but that he would help me. I stated that I didn't mind waiting for another employee to become available, but he insisted. The manager asked me how much I wanted to send, I stated {$1200.00}. The manager repeated the amount of {$1200.00}, but then stated that he needed to get someone to approve the wire transfer. Once the person approved the transfer, The manager asked me to verify that the account number for the receiving party was correct. He then completed the transaction and the manager handed the receipt to me. The manager NEVER asked me to verify the amount. After I returned home for the evening, handed my fianc the Wire Transfer receipt, that's when she noticed that {$12000.00} was sent!!!! Not {$1200.00}. 

The following day, my fianc and i went to the branch to talk to the manager and get this wire fixed and the correct amount sent. The manager stated in front my fianc, another bank employee and me, that he sent $ XXXXMy fianc then showed the manager the wire transfer receipt. When the manager looked at the receipt and all he said was " No I sent {$1200.00} just like you said '' and once he realized the amount the manager then stated " that's my bad!! I assumed when you said this was for a loan closing, this was for a house '' and then ran off behind the door, a closed door that my fiance and I observed other employees exit and enter the bank 's main floor. The other bank employee then contacted their wire department to see if the wire can be recalled. My fiance and I was told that it could be anywhere from 1 to 6 weeks to get this resolved. I tried calling customer service to get updates, but was told that we needed to go to the bank to get an update. 

After returning to the bank the following Monday, My fiance and I were told that the receiving bank ( XXXX XXXX  ) where the wire was sent, acknowledged the recall, but that they needed to do their own investigation. In the meantime, I reached out to the receiving party, and they acknowledged that too much was sent, and that they were gon na send the overpayment back, but has since stopped all communication with me We were just told on Thursday that the receiving Bank declined the recall, this is why I am reaching out to you to get this matter resolved as soon as possible.

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 2022-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: TX

Complaint narrative:
I received a letter in the mail from US Bank regarding a exclusive promotional offer of opening checking account that was linked to my business credit card that I have with them in the beginning of XX/XX/2022. 

The terms of the promotion stated : XXXX. Open a business checking account with promo code XXXX XXXX. Deposit {$5000.00} in new money within 30 days of account opening XXXX. Enroll in U.S. Bank online banking or mobile app XXXX. Complete 5 qualifying transactions within 90 days of account opening Once the terms were completed XXXX points ( equivalent to {$500.00} ) would be added to my business credit card within 45 days of completing the above requirements. 

I opened the account on XX/XX/2022 and used my U.SXXXX business credit card to fund the account with {$200.00}. I enrolled in online banking on the same day. I did an external transfer from an outside bank of {$4800.00} on XX/XX/XXXX. I completed 6 qualifying transactions between XX/XX/XXXX and XX/XX/XXXX. 

After waiting 45 days and not receiving the bonus I called and spoke to a representative to see when and if the bonus would be posted to my account. The lady whom I spoke to had to do further research and stated someone would contact me within 3 business days. I received a call 10 days later stating the terms of the promotion were not met. The {$200.00} that was used to fund the account was not considered " new money '' and therefore the bonus could not be given. 

Even though I used my U.S. Bank business credit card to fund the initial opening, I use an outside bank to pay the credit card bill. So the technicality of " new money '' can be open to interpretation. 

Afterwards, I called countless times speaking to multiple representatives with each time having to explain the whole situation from the very beginning. Each representative gave me a different response and was told I would hear back at a certain time when I did not hear back at all. One representative gave me their e-mail and advised me to reach out to them if I did not hear back in 24 hours. After 72 hours passed I emailed the representative and received no response. 

I am more disappointed in the service I was provided. I have a brokerage account, personal checking account, business credit card, and now a business checking account with U.S. Bank. For them to not value me as a customer was disappointing to say the least.

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 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 




XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} ; XXXX XXXXXXXX Balance : {$32.00} ; XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30 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: TX

Complaint narrative:
I am entitled to a completely 100 % accurate credit report and all three credit bureaus have my address and name incorrect. I have been living at my XXXX, TX address for over 5 years yet a XXXX, TX address is showing up on my credit report and even has an account to it. Also I am a XXXX as I do have the same name as my dad yet my suffix is not added and there are multiple names on my credit report that I do not use as I always include my suffix therefore making most if not all the negative accounts and collections on my credit profile incorrect as they are under the wrong name. All three credit bureaus have multiple versions of my name that are incorrect as I am a XXXX and any name listed that does not contain my suffix eludes that it belongs to anyone else that is not me. And there are multiple accounts that do not contain the correct name therefore my credit report is not 100 % accurate as I am entitled to according to FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: NV

Complaint narrative:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 




XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} ; XXXX XXXXXXXX Balance : {$32.00} ; XXXX XXXXXXXX XXXX XXXXXXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30 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: NV

Complaint narrative:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 




XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} ; XXXX XXXXXXXX Balance : {$32.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation