vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have contacted American Express customer service XXXX separate times to inquire about when I will receive my welcome offer of {$300.00} credit and {$30000.00} mileage points associated with Offer Number XXXX, since I made the qualifying purchase of over {$1000.00} on XX/XX/2023. The last time I spoke with American Express on XX/XX/2023, the customer representative opened a case { reference number XXXX ) since he could not identify why I had not received my promotions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXXXXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$5900.00} These accounts are reporting inaccurate and is a result of identity theft Ive reached out to XXXX and spoken with XXXX ( XXXX XXXX ( XXXX ) - fraud monitoring department she stated that there was no opened account and will request to have items blocked and removed from all reporting credit agencies Immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All items listed above are reporting inaccurate on my credit report and balances, history, and open dates are all inaccurate and I request for these items to be blocked and removed immediately.

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 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2023 I made a payment of {$3400.00} to my credit card which lead to overpayment of {$3200.00} before traveling out, when I returned back from my travel I then found out that my card has been restricted for whatever reason which I called capital one for them to remove or resolve the restriction and they never did after 2 weeks of patiently waiting I then wrote a letter to them asking them to close my capital credit card and reimburse me back my remaining funds as a check. 
After some days of writing to them I noticed that on XX/XX/2023 my remaining credit which was left was taken from my credit and when I called they said that I should wait for my check which will take XXXX to arrive, and I have waited and called severally but still they kept sending my call to XXXX support who gave me no reasonable explanation regarding on what the charge is for. 

Despite my efforts to matter directly with capital one, the response has been unsatisfactory, leading me to seek redress through this legal system. I believe this this wrongful depletion of funds constitute a violation of FCRA section 611 and has caused significant financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Garrison Investment Group
State: GA

Complaint narrative:
Unauthorized hard inquiry on my credit report from the companies below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This issue was previously removed from my credit almost a year ago and now its has damaged my credit score again and I feel its a case of double jeopardy. The account is not mine. I feel its best for me to not communicate with said company due to their tactics on gaining information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All items listed above are reporting inaccurate on my credit report and balances, history, and open dates are all inaccurate and I request for these items to be blocked and removed immediately.

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/23 I was contacted from Truist bank fraud department stating they had identified someone trying to make purchases using my debit card. The man proceeded to ask me questions about the charges and I stated it was not me. He then said he would block those charges and ask me to give him the XXXX time code to resolve the problem. He successfully did XXXX wire transfers of which I was not aware of until I drove up to Truist Bank. The XXXX charges are as follows : Wire transfer of XXXX, wire transfer of XXXX and a wire transfer of XXXX. The bank is not refunding the money back 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 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been going round and round with this firm and they refuse to acknowledge that XXXX XXXX is the same as XXXX XXXX as I already provided them information about my name and gender change and in fact have credit cards in my new name as well as my old name. 

Captial One has refused to acknowledge and has engaged in discrimination against a protected class of persons in California under the Cal Civil Rights provision thus I am proceeding with a civil unlimited court action against Capital one for damages, against a protected person. 

I have filed several cases here but Capital One has refused to comply. 

Thus, I want my capital one checking account # XXXX - XXXX I have had for something like 10 years with Capital One. 

I have not had access to this account online as Capital One has refused me access even after repeated complaints here thus I want this account closed and ALL my monies in said account refunded to me forthwith to my address on file : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX AS i AM going to XXXX XXXX know which tort actions, I will be taking at XXXX XXXX XXXX against Capital One for fraudulent business practices against a protected class of citizens in California. 

If you need my present address it is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  CA XXXX ( XXXX ) XXXX But as I am graduating from XXXX XXXX at XXXX, I will be returning to California to prosecute this case. 

In the meantime, I want my money Capital One is withholding illegally in my checking account I don't have access too anymore online, thus I have damages to seek when Capital One is refusing to pay me back forthwith. 

Attached is my legal name/change in Ca I already provided them with and ID 's numerous times before. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I told Equifax these inquiries were fraudulent and the continued to report inaccurate information on consumer report. I sent them a FTC Fraud Report but they ignored consumer. Equifax refused to remove inaccurate and fraudulent information from consumer report. 
Equifax commission file number 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 will be filing form 211 treasury omb form to audit consumer account. Equifax is securitizing consumer data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
USAA XXXX {$21000.00} USAA XXXX {$16000.00} These accounts are reporting inaccurate on my credit report and I have been victim of identity theft I have provided all legal proof and documents to support my claim and I request you update your system and remove all inaccurate reporting items immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
My credit report has listed this company as collection. I've sent XXXX letters to the company in hopes of have this misinformation deleted from my credit report. I asked for proof but all of my requests have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CMG Financial Services, Inc.
State: UT

Complaint narrative:
I appled for help in XXXX. I had just learned about the XXXX  assistance programs my company offers. I need to lower my payment and skip payments until I feel better and can work. I uploaded all the documents they requested on time. They denied me for any assistance. I am very sick. I must avoid foreclosure. Please help. 


The website for CMG Financial XXXX XXXX is very hard ti navigate and doesn't work most of the time. I also can't get anyone on the phone. They call me with a recorded message to call them. I call, and the line hangs up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Pending civil unlimited discrimination case against Capital one against a XXXX  person, withholding ALL my credit card accounts and 360 checking account which is under a separate complaint herein. 

As XXXX XXXX aka XXXX XXXX is one and the same and has informed Capital One of this and provided documentation. 

Each and every call will be recorded as XXXX  is a 2-party state thou I am presently in XXXX  attending XXXX XXXX, thus a 1 party state, but I don't have to let you know and i record each contact to show the pattern of abuse by Capital one. 

Below are a list of my credit card accounts Capital One is illegal withholding as I have had them for years and they allege fraud which is a discrimination against a protected class of persons in XXXX  leading to harm against my reputation as a XXXX XXXX  and previous XXXX XXXX XXXX XXXX XXXX who is familure with credit card fraud. 

Thus, we suggest you tread carefully here, as we are filing a XXXX tort case for discrimination, IIED, negligence, etc. 

Under XXXX XXXX : Captial One debit Card : XXXX XXXX XXXX XXXX Capital One Savior Card XXXX line : XXXX XXXX XXXX XXXX XXXX line Capital One XXXX XXXX line : XXXX XXXX XXXX XXXX Under XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX line XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX line Capital One Savior : XXXX XXXX XXXX XXXX XXXX line Called Capital one today at XXXX hours talked to XXXX  this day, XX/XX/2023, refused to talk to me due to recorded line. count 2 negligence as Capital One can record but a victim can not? negligence on the part of Capital One. 

Again, for the forth or fith time, copy of my legal name change and ID provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
This year of XXXX  I recently discovered that I was a victim of unemployment fraud someone received almost XXXX XXXX in my name that I am responsible for! Ive submitted police report and ftc report Ive reported it to the unemployment office but theyve denied my reimbursement twice over the past 6 months they wont tell me why all theyre saying is I no authorize the charges

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 2023-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: REGIONS FINANCIAL CORPORATION
State: NC

Complaint narrative:
Regions Bank XXXX {$1300.00} Regions Bank XXXX {$5900.00} These accounts are reporting inaccurate and is a result of identity theft Ive reached out to regions and spoken with XXXX ( XXXX XXXX ( XXXX ) - fraud monitoring department she stated that there was no opened account and will request to have items blocked and removed from all reporting credit agencies Immediately.

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 2023-11-27 00:00:00
Product: Credit reporting 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.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

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 15 USC 1681 section 602 A States I have The right to privacy 15 USC. 1681 section 604 section 2 .it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) Srction states no consumer reporting agency may make any consumer report containing 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

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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