vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-23 00:00:00
Product: Credit card or prepaid 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: VA

Complaint narrative:
Card number XXXX and XXXX and XXXX. 

All three accounts opened, two used daily and the third never able to use, and to this day I still have no resolution, so I requested a refund and closure of all accounts. Back in XX/XX/XXXX, I was surprised to find out that my card ending in XXXX was restricted due to additional information needed to verify my accountwhich I provided. They opened the business account ending in XXXX, sent me welcome letters, pin verification, then all of a sudden they restricted all my cards! Upon contacting Capital One, they gave me the run around stated the could not verify the account was tied to me personally. After several documents sent, bank statements sent, calls, hours wasted and monthly phone conversations with different members and no resolution, I explained to them to close all my accounts. Their response was they were protecting me as a consumer when I have provided all documentation, in addition to several prior years as a customer. 

Im very upset about the credit balances not being refunded on my accounts due to overpayment, which I am due, only to see they added a line adjustment XXXX  out my accounts back in XX/XX/XXXX, and never issuing me a refund. The accounts are still shown on my account as restricted which I should have never had this status, not to mention a great deal of inconveniences with my monthly purchases. This was very unprofessional, uncalled for and unethical.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Credit card or prepaid card — Student prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XXXX XXXX at XXXX I woke up to my account being revoked with no explanation or response from Discover Bank . I contacted customer support about this issue and was transferred to several different departments who were confused on how to handle this issue and kept being transferred from department to department. Finally I was sent to the right place where I was told that my full account was revoked over me not submitting a notoriety. I was unaware that I had to complete this since my account had been working fine. I was never reminded about this or notified that this was still a requirement on my account. I was then told to resubmit an application but immediately was not approved. I am dissatisfied and disappointed with my experience with Discover because I have paid all my bills on time and chose to start my first student account with them. Now I have to dispute this on my credit score due to miscommunication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 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: PA

Complaint narrative:
Today XXXX XXXX  ), I just reviewed my Consumer report from Equifax and I have noticed that two accounts that I have disputed in the past several times are still reporting Incomplete and missing vital information. Consumer Reporting Agencies have assumed a crucial role in handling and reporting Consumer Information to the best of their abilities so that all information that is being reported is Complete and Accurate. 
I have enclosed a copy of my recent Equifax Consumer report XXXX, and circled all of the Incomplete/missing information. As you can see, The vital information that should be on my consumer report is indeed incomplete. 

Account-XXXX  XXXX XXXX Problem-Incomplete Payment History from XXXX  XXXX XXXX  Solution-Delete Account for reporting Incomplete payment History on a Consumer Report. 

Account- XXXX  XXXX Problem-Missing Payment History from XXXX XXXX XX/XX/XXXX  Solution- Delete Account for reporting Incomplete information on a Consumer Report. 

Please investigate and Delete these accounts. If i am remiss then please provide me proof with billing statements showing the Complete payment history. If proof can not be provided, then I demand these Accounts be removed immediately from my Consumer Report. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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:
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TN

Complaint narrative:
Submitted complaint through cfpb a couple years ago including hiring an attorney. Item was removed. Now it appears Jefferson Capital has account and it appears on my credit reports on all ( 3 ) credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE

Complaint narrative:
Dear CFPB, Could you please help me shed some light on the following issue? 

I've transferred XXXX USD from XXXX, XXXX ( XXXX ) to my wife 's account in XXXX XXXX (, XXXX ( XXXX ) on XXXX. The XXXX bank in chain was BNY Mellon ( XXXX ). 

The XXXX XXXX rejected my money on XXXX, due to XXXX  invasion and possible sanctions, but money stuck in XXXX. 

I made request to XXXX and they responded that they don't see these money as blocked. 
I've tried to contact BNY Mellon directly, but they said that I'm not their customer. 
XXXX is disconnected from XXXX from XXXX I'm looking for a way to contact BNY Mellon and get this money transferred to my account in another country, because we have relocated and this will help us a lot. 
Thanks in advance for your help or any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: FL

Complaint narrative:
This debtor claims I opened a XXXX  account this year which i never did in Florida. Some one used my identity to open this fraudulent charge XXXX and XXXX XXXX have removed this after I told them I did not open this XXXX has refused to remove this this charge is not my charges below is the information MRS BPO , LLC. 
Dispute not available XXXX XXXX XXXX XXXX  Account owner Individual Account Original Creditor XXXX  Date reported XX/XX/2023 amount XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am a first time credit user, I just started trying to get into it but my job recently said I had a credit score of XXXX. I never EVER did anything with my credit. I signed up for credit-builder through chime but I never did anything with it. I called to change and update my info through transUnion and the lady said she updated my info then lied. I tried logging into kreditKarma and still couldnt. I also asked her to help me file a dispute and she seemed pretty anointed she left me on the phone for like 7 minutes without saying anything to me then hung up. That made me so uncomfortable. So I tried to call again today and they told me there systems were down then hung up on me again. I dont like TransUnion and I need help fast. Im a XXXX XXXX XXXX single mom who is trying to get her credit together with no knowledge behind it. My social also was lost a few years ago and I feel like my credit being tampered with has a lot to do with that.

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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
My mortgage lender ( XXXX XXXX XXXX XXXX ) ; Formally Known As ( XXXX XXXX XXXX  ) ; transferred/sold my loan to " RightPath Servicing '' : failed to report my mortgage payments under the Federal Pandemic Forbearance/Modification Plan. 
As a result, took advantage of the consumer ( person filing this complaint ) ; by their formed ( SPV ) companies formed for a single purpose to isolate their investment through abusive, threatening business practices ( i.e., physical threats, abusive communication, behind the scene deceptive tactics; attempting to cause financial and other harm ; by affecting my life in a negative way. They ( the parent company ) have in every which/ way violates my consumer rights in their nefarious methods to isolate their investment and activities. 
They have greatly harassed me, leaving threatening communication /paper at my house. following me in my daily life routines. They have teamed up with other outside entities against this one consumer to pull together a " lynching team '' including partnering with XXXX companies as a debt management system to validate their unlawful practices through national correct coding methodologies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a XXXX XXXX 
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. 
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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a XXXX XXXX 
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. 
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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 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: NJ

Complaint narrative:
My Experian credit report shows that I have a past due account in collections with a lease to own company called XXXX. I have never done business with this company and never opened an account with them. Up until seeing it on my credit report I had never heard of this company. 

I called the company and have reported it as fraud. I filed a report with my local PD that I am going to submit to XXXX once the report is available. XXXX said they won't do anything without a police report. 

I disputed it with Experian who stated they reached out to XXXX and stated that the account is mine. I asked for proof of the account or any information on the account and nobody will provide anything 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 2023-05-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I received a phone call from the fraud department at Wells Fargo on XX/XX/XXXX  concerning a transaction from my savings account for {$25000.00}. WF stated that the money was a wire transfer initiated through online banking. That afternoon, I went to my local WF branch and spoke to a representative about the fraudulent transfer. I'm not sure why, at that point, WF didn't freeze the wire transfer. I told them this was not done by me ( or my wife ) and a claim was started to dispute the transaction ( claim # XXXX ). WF closed the savings account, reopened another, and moved the remaining money into this new account. On XX/XX/, we received a letter from WF stating that our claim was denied and that they determined the transaction was performed by me or someone using my username and password. Moreover, WF stated that we are responsible for online wires that originate using my username and password. I did not make this wire transfer. Please help me to recover the {$25000.00}.

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 2023-05-23 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: IN

Complaint narrative:
I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.

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 2023-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
I contacted this company on XX/XX/XXXX for a written validation letter of debt. I gave the company 30 days to respond. I have not received any updates

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 2023-05-23 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately JPMCB CARD Date of inquiry:XXXX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: TN

Complaint narrative:
Experian has previously removed this account for identity theft and allowed it to be furnished again under a new company without any validation of debt. I would like this account blocked and removed as soon as possible. Its a violation of my consumer rights and defamation of character. Account number 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 2023-05-23 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: IN

Complaint narrative:
I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.

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 2023-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2023-05-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have had 3 incidents recently of people trying to open either savings on checking accounts w/ 3 different banks using my name, email address & i assume my SSN. 
On XX/XX/2023 I received email from Capital One claiming they needed my ID for application XXXX & another one claiming my phone # was updated. I have never opened an account with them. I'm not trying to open one either. I called Capital One fraud line and was told they couldn't even check to see if something was opened w/o giving my SSN over the phone even though i gave them the application # that was in the email. I did not see an email address that i could forward the emails to for Capital One to report the fraud to. 

In XX/XX/2023 I received emails from XXXX XXXX XXXX and XXXX saying applications were declined. I forwarded the email from XXXX XXXX XXXX to their security/abuse email address & i called one of their locations to report the matter. I never got a response to the emails but was told over the phone that the account would be closed. I called XXXX too & supposedly the account was declined & would be flagged. I have never applied for any type of bank or credit account with these banks. 

I'm pretty sure my information has been exposed multiple times during various breaches ( i.e. XXXX, XXXX, IRS, etc ). I do have fraud alerts on my credit reports and it appears the banks are using something else other than credit reports to start applications for checking & savings accounts. I have also added an alert to the XXXX XXXX site. But that does not appear to stop folks from trying to open stuff in my name.

Company response to consumer: Closed with explanation