vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-28 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX under file number : XXXX with XXXX, I sent a certified letter with a copy of my driver 's license, SSN card, and a copy of my XXXX XXXX XXXX to correct the address and delete and addresses that I no reside. On XX/XX/XXXX, I called to have my credit freeze lifted and was told my credit file was in an " UNKNOWN '' status in which I would need to send verification of my driver 's license and SSN card again. I was told this would take 3-5 business days from the phone representative and it would be corrected. I sent a certified letter with a photo ID and SSN card copy dated XX/XX/XXXX with tracking numbers ( XXXX ) XXXX, ( Equifax ) XXXX, and ( XXXX ) XXXX to update my address to XXXX XXXX XXXX, XXXX, Virginia. Per the tracking, it was delivered on XX/XX/XXXX. I received a credit report dated XX/XX/XXXX with file number : XXXX which I never requested my credit report, I saw my personal information was still incorrect along with telephone numbers I never had. On XX/XX/XXXX I went back on the XXXX website and saw my credit report still said " UNKNOWN '' so I called XXXX in which the first representative informed me that they did not have the information mailed on XX/XX/XXXX and delivered on XX/XX/XXXX. I requested to speak with a manager in which I was told it will be 3-5 business days for a return call. 

The representative informed me that she could not verify me by any information in her system. I was asked a series of questions such as choosing for ( 5 ) zip codes : XXXX, XXXX, XXXX, XXXX. I told the representative I have never heard of these zip codes. I was asked to verify one of ( 5 ) street names such as ; XXXX, XXXX, XXXX XXXX XXXX in which I advised the representative I have never heard of these streets. I reiterated I sent in my ID and SSN card with my XXXX XXXX XXXX XXXX to which she stated I can not be verified and can not be helped. Strangely all my creditors are sending me notices from the collections agencies with my current address XXXX XXXX XXXX listed. I am also getting credit reports that I did not request from all ( 3 ) ; XXXX, Equifax, and XXXX. 

Today, XX/XX/XXXX I sent ( 3 ) certified letters to ( Equifax ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX followed by the tracking numbers. I also sent XXXX a copy of my employer W2 for XXXX which verifies my address. I was told by Equifax it takes 30 business days to verify me even though I sent a picture ID and selfie through the app texted to me on the telephone with the representative to again verify and delete old, incorrect, or to update my address and employer. I still can not understand how credit information is being sent out from these agencies to an address that is reported each month on my credit reports for rent but they are stating I am unverifiable. I am seeking an investigation and a quick resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This was not sent inadvertently or by any other person than me ; I am a consumer by law, and thanks to Equifax 's misuse of my information during a data breach, some of the accounts and things on my credit report are not completely true. That improper handling of my credit profile was unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
I mailed a valid money order in the amount of {$210.00} to Honda Financial Services for a payment for my automobile loan payment. The money order was undamaged when I mailed it. They sent it back to me, however the left end of the money order had clearly been cut completely off by a letter opener when their office opened the payment. They are refusing to post the payment even though they are at fault. They told me I only had a few choices, I could mail them yet another payment or I could do a payment by phone. I demanded to speak with a supervisor and I was told they would have to call me back at their convenience. They refused to give me a direct phone number or extension number for a supervisor and refused to give me the name ( s ) of the supervisor ( s ). They said someone would call me back in about XXXX or so. I told them I wanted this matter cleared up today. They have been calling and harassing my husband for the past 2 or more weeks for the payment when they had the payment in their office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
I am a resident of XXXX XXXX. I sent Letters to Capital One Bank informing them of the change of address to my current XXXX XXXX address. These letters were sent on XX/XX/XXXX and on XXXX.I did not receive a reply to either letter. 
. 
I received an undated letter from Capital One Bank in XXXX asking me to close my accounts. Since XX/XX/XXXX I have made numerous calls to close my accounts and to arrange to receive the money. from the accounts. Here is a summary of the calls I have made since XX/XX/XXXX. All the calls were made to this number XXXX XXXX Tuesday XX/XX/XXXX Called to arrange to close account and for check to be sent to my XXXX XXXX address. Provided the address after having my identity confirmed. Bank agreed to send a check to this address. 

Wednesday XX/XX/XXXX Called to explain that check had not arrived. I was now told that the bank could not send the check to an overseas address and needed a US address. Bank admitted it had not contacted me to notify me of this. I was told the account was blocked but not closed. 

Wednesday XXXX XXXX Called to give them a US address after they had checked my identity so they could close the account and send me a check for the money in my accounts. 

Saturday XXXX XXXX Called to ask if the account had been closed and the check sent. Bank confirmed the account was closed on XXXX XXXX and advised the check should reach the US address I gave them by XXXX XXXX. 

Monday XXXX XXXX Called bank to say the check had not reached the address I gave them. I was then told that the address should not have included my name and the address of the institution in the address. This was not explained to me before. I was now told that the check would have to be cancelled and I would have to complete an affidavit form before a new check could be sent. I provided a new US address for this form to be sent to and was told it would take 2-3 days to arrive. 

Wednesday XXXX XXXX Called again today to explain that no letter had arrived at the address I had provided. No explanation given. After being passed from one person to another I was finally told that the only way they could confirm my identity was if I went into a Capital One branch. 

I spoke to a different person each time. I kept a record of one call relating to the sending a check for the proceeds of my accounts to the first US address I gave. I asked for the name of the person I was speaking to and the reference number for the call - XXXX XXXX. 

I have attached XXXX XXXX with the letters I mailed to the bank and the summary of my phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: AZ

Complaint narrative:
Axos bank is withholding XXXX from me. I have tried to pay bills and they have been declined. I tried writing a check and it was declined. My debit card no longer works. I messaged the bank and they will not help me and or give me access to my funds which I need urgently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Specifically applied for a card that offers balance transfer with Capital One and after reaching out 2 times, they told me that the offer wasn't available and there was nothing they could do about the offer and that I could file a complaint. I find this so wrong since the initial offer says that it includes Balance Transfer. 

This is what the letter says : CAPITAL ONE APPLICATION TERMS Interest Rates and Interest Charges Annual Percentage Rate ( APR ) for Purchases and Transfers 0 % introductory APR for the first 15 months that your account is open. 
After that, your APR will be 17.99 %, 23.99 % or 27.99 %, based on your creditworthiness. 
This APR will vary with the market based on the Prime Rate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28 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: NJ

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/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 explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I didnt apply or open up a capital one card ending in XXXX in my name and it hurting my credit report in my name it has a balaance of XXXX from a quicksliver in my name i need have this fraud case reopen and im willing to send in a police report if needed but capitol one isnt giving me the fax number and kept putting me on hold too long and would not open up a fraud case and i never use this card at all dont know who apply for this card in my name this is identiy theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: DISCOVER BANK
State: CA

Complaint narrative:
I recently received a cashiers check from Discover and because of prior issues with bank errors and XXXX of my errors its hard for me to cash the cashiers check. I need the cashiers check which was already cleared to pulled back from XXXX XXXX they told me this would be the fastest way for me to get access to the funds. So I know this is not an easy task but I have been waiting over XXXX XXXX for these funds and I am on the verge of getting evicted. I would like to know if another form of payment like XXXX or wire transfer is possible since I have a hard time cashing the check since there are no physical discover banks available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: LA

Complaint narrative:
On XX/XX/XXXX I reached out to Experian regarding their reporting of an inaccurate account on my report. They have failed to conduct an investigation and they have not fixed the account.

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 2022-11-28 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: NV

Complaint narrative:
accordance with the fair credit reporter act XXXX  accounts # XXXX, # XXXX, and # XXXX account has violated my rights 15 usc 1681 section 604 a section 2, i also state a consumer reporting agency can not furnish my account without my written instruction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28 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: NV

Complaint narrative:
accordance with the fair credit reporter act XXXX  accounts # XXXX, # XXXX, and # XXXX account has violated my rights 15 usc 1681 section 604 a section 2, i also state a consumer reporting agency can not furnish my account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
On XX/XX/2022, sent and verified via Certified Mail, XXXX XXXX XXXX XXXX c/o Servicing received a request for full disclosure of the amount due on our precomputed consumer credit account and a demand for a prompt return of our unearned interest. They were notified that they had a 5 day period to comply with our request pursuant to 15 USC 1615 of the Truth in Lending Act and they have failed to comply. Its past the 5 day period in which they were to give us a prompt refund of our unearned interest as well as give full disclosure of the amount due on our precomputed credit account. I have called them twice in connection with our request and they have failed to comply with an oral request in addition to failing to comply with a written request.

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 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
To whom it may concern : I am writing to inform you about an error I noticed on my XXXX credit report Lvnv funding LLCXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of item being XXXX I have disputed this accounts several times over the past few months. I never received any response from these companies. I have asked for validation and repeatedly stated these accounts are fraudulent. 
I am requesting that you remove this information from my credit report. 

Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

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 2022-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION
State: MI

Complaint narrative:
Date : XX/XX/2022 Time : XXXX Amount : {$6.00} Website Given : XXXX Date : XX/XX/2022 Time : XXXX Amount : {$4.00} Website Given : XXXX This one gave a fake fraud number : ( XXXX ) XXXX I checked my account on XX/XX/2022 when I noticed I was missing money. Upset, and trying to figure out where it went. I called my cards customer service number and they gave me all this info I'm sharing with you. The top one is a dating site. The last one, I have no clue. After contacting both, the date site wouldn't reveal who it was. The bottom, they wouldn't reveal and gave me another customer service number that were supposed to be to the fraud department. Instead, it was to some XXXX XXXX customer support. The number given was ( XXXX ) XXXX. They kept avoiding my questions and trying to get more personal info I would not share.

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 2022-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I have been reaching out since XX/XX/2022 to fix my late payments on my credit report. Ive been told numerous times to dispute with credit agencies but Victoria secret keeps validating my late payments. They have yet to fix my concern. This is harming my ability to buy a house and keep good credit. They also lowered my credit limit along with other credit card companies who felt that I may be at risk due to the late payments reported by XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-28 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Post office box XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX type Single family XXXX XXXX L XXXX XXXX XXXXXXXX XXXX  XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Apartment complex XXXX XXXX J XXXX XXXX XXXX XXXX XXXX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Single family XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX  XXXX FCRA violations XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : payments never late XXXX XXXX Potentially negative Date XXXX XX/XX/XXXX XXXX {$2500.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$850.00} Status Open. 
XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$98000.00} Status Open. 

FCRA violations : improper credit reporting XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$810.00} XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX - Status Paid in settlement. {$7400.00} written off.

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