vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
in accordance with the fair credit reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 USC 1681 Section 602States

i have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my writing instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open and consumer credit plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc.
State: SC

Complaint narrative:
I started a payment plan with this company thinking i had no option. I started paying {$25.00} a month soon after I changed cards and recieved a call about payments being in default. I looked up information on what I could do and sent a letter of validation where the responded with a bill statement. I've called lawyers and I've been told that if I never received a letter within the first 5 days of the company assuming my debt then I could have a debt scrubbed from my credit being they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: CA

Complaint narrative:
I submitted a complaint on XX/XX/XXXX because my credit file has been compromised with identity theft / merging of credit files with my father ( XXXX XXXX XXXX ), me ( XXXX XXXX XXXX, XXXX. ), and my son ( XXXX XXXX XXXX, XXXX ). My credit report even shows my son 's birthday on my file ( see attachment ). My father 's name is still listed multiple times on my credit report. I also submitted FTC report due to my credit appearing to be used because I see accounts that have never belonged to me. Equifax responded they needed more time on XX/XX/XXXX. Equifax mailed a letter to WHO WAS SUPPOSED TO BE ME dated XX/XX/XXXX asking for two forms of identification. There are two major errors with this letter.

1. Equifax PROVED that my credit file has been compromised by stating the name of MY SON ( XXXX XXXX XXXX, XXXX ) on the letter instead of MINE ( XXXX XXXX XXXX, XXXX ). Please see attachment of this letter which was their response requesting additional documents after MY complaint. My son has never disputed anything. 

2. I've sent in a copy of my ID and bill showing my current address to Equifax multiple times. What is Equifax doing with my information?? Please see a copy of my ID and the la

st proof of residence sent to Equifax. Also, I've called Equifax multiple times and the last representative stated t
hat he saw something was not right about my report. He actually stated he was submitting it for " maintenance '' ( whatever that means ). I even my identification and utility bill AGAIN by the request of this representative of Equifax on XXXX. Please attachment of letter and proof sent. 

My credit report on Equifax website is showing false information as if it all has been deleted already and Equifax stated they don't see that report on their end. How???? It's Equifax website. Please see the false information they are showing me as if my credit is perfectly fine knowing they still have those false accounts on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/22 I transferred my entire balance of {$4000.00} from my Truist Checking Account to one of my XXXX XXXX XXXX checking accounts. On XX/XX/22 Truist closed the checking account at my request, and sent me a letter confirming the action. I never received the funds in my XXXX  account. On XX/XX/22, I attempted to find out where my money went. Truist Client Center told me that for unknown reasons, XXXX  XXXX XXXX rejected the transfer. Since my Truist account was closed, there was no where to put the money. It is important to note that Truist never informed me of this fact, and still has not provided my funds.

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 2022-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX, collection Portfolio Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: AR Resources, Inc.
State: AL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: ERC
State: AL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
Stranger online message me on XXXX. His name is XXXX XXXX. We talked for 3 months, and became friends. He say he help me make money in Crypto. I was convinced when he showed me that he was making money from Crypto trading. He provided me links to download Cryto.com and XXXX app on my XXXX. Since I didn't have money, I had to borrower from my credits, and applied for personal loans with institutions. The person gave me links to multiple online lenders, and I applied to all of them hoping they would lend me money. XXXX online lenders approved me : XXXX XXXX  for {$23000.00} and XXXX XXXX XXXX XXXX for {$32000.00}. I have outstanding balances on credit cards. My initial investment to Crypto was {$88000.00}. I profited {$220000.00}, and when I sold my Ethereum coin from XXXX, XXXX customer support texted me that I had to pay 30 % in " Profit tax '' in order to withdraw my money. XXXX wanted about {$74000.00} for " Profit tax ''. I wired in {$46000.00} that I borrowed from my brother, and my friend said he would send in the remaining {$30000.00}. After XXXX received the money, they told me my account number was entered incorrectly so they couldn't wire me my money, and would need 10 % deposit so they could unfreeze my account. I had my son and brothers look into this, and determined this was all a potential scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MO

Complaint narrative:
Was trying to sell something on XXXX market place, had someone respond immediately. Was told that the account needed an additional XXXX to upgrade the Zelle account, I sent the person XXXX believing it was legit, the person started getting hostile with me when I said I was calling Zelle customer service. I immediately called my bank to see if I could get the payment stopped and it could not be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: MoneyLion Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account Beginning in # XXXX, has violated my rights. 

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

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

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have assumed a debt and I want the updated information posted to my credit file. Information, and proof of ownership is attached.

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 2022-05-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
T

he credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate. the date last active is inaccurate, and the ldate last reported is inaccurate. this is grounds for removal and they also violated my rights under 15 u.s.c 1681 section 602 A. states i have a 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. also the credit bureaus took more than 30 days to 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 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Ever since I contacted Equifax to INQUIRE about any alerts on my credit report, I have been having issues obtaining credit and being prequalified for credit. I called to ask if there was any alerts and the representative added an alert to my file. I immediately told the representative that I Did Not want an alert added, I was just inquiring to see if there was before I applied for a loan. The alert was taken off as soon as I told him to remove it within seconds of placing it on my credit report. After waiting a couple of days per his instructions, I started to apply again for a car loan. I kept getting denied with letters stating due to the alert on file, we were not able to contact you. I called all credit bureaus to make sure that it was taken off my account and they assured me that it was and again, tried to apply for a loan and was getting the same letters. I was told that there was not any numbers added to call me at first. Then, when I called Equifax, they said that I couldnt add a number because technically, they removed the alerts from my report. I tried again and again for months with the same letter stating there was an alert on my credit file. I finally decided to add a initial fraud alert and made sure that my number was correct and added to all the credit bureaus. I begin applying again and I was still getting those same letters. When I call in to fraud departments Im told that there is an extended fraud alert on my account and that there is no number added to my file in order to contact me. I called Equifax multiple times trying to explain to them that it shows my credit file status on their website as Fraud Victim Extended Alert and they continue to tell me that there is no extended fraud alert on my file. I been told by Equifax that another department will work on it and make sure that it is completely removed and a year later, Im still getting the same issues with trying to apply for credit. It still shows the Extended fraud alert on account. I never even mailed in the documents stating that I was a fraud victim, ID, or police report to apply for the Extended Fraud Alert which is their process for adding this type of alert. I dont know how or why this was placed on my acccount but it needs to be removed along with everything on my report immediately because they are reporting false information on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the credit fair credit reporting act XXXX Account XXXXCapital One, has violated my rights. 

15 USC 1681 Section 604 States i have the right of privacy.

5 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my without my writing instruction.

15 USC1666 : A creditor may not treat a payment on a credit card account under n open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My bank account had over {$1500.00} of unauthorized transactions placed on it..I had no clue what they were. I opened a claim stating fraudulent charges were made. After the investigation I was told my claim was denied! I was told the reason for denial was '' it appeared to the bank that I myself had placed the charges '' ... In the initial claim I had explained to the bank that my phone with all my information stored on it ..was stolen prior to the charges..that means all my accounts passwords etc were accessible! They didn't give me the opportunity to appeal their decision!! Nobody would listen! They were rude and ugly about it also! The people that can do these fraudulent activities..have the ability to make the charges appear to be YOU!! Isn't that what fraudulent means! so deny my claims of fraudulent transactions due to it appearing to be myself that had made them doesn't seem correct! I feel I wasn't being heard and the treatment that followed the claim was unjustified and uncalled for! I had been customer with Capital One for some time when this occurred. With no prior mishaps or claims! The first one I get and this is the treatment I was handed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I have received numerous calls from Credence Resource Management in their attempt to locate someone other than myself and an individual/ individuals that I have no knowledge of. This caller does not leave a message when i monitor my calls. When I do answer and ask who is calling they hang up or speak unclearly .When I ask them to repeat who they wish to speak to they hang up. These calls are repeated multiple times a day. The calls number between 4 and 5 times per day. I researched the company by using the phone number they called me from and that is how I found out the name of the company. At no time did any individual from this company identify themselves, the company name or the nature of the call. 
This is harassment. I owe no one any money. I pay my bills on time. I contacted the company on XX/XX/2022 and spoke to XXXX XXXX and she was very slow to connect me with a supervisor. While on the line she took note of my phone number. I was connected with a supervisor named XXXX XXXX who said he would remove my phone number from the list. I informed him I have had use of my phone number for 25 years and whom ever they are looking for I have no knowledge of. As of today. XX/XX/XXXX I have not received another phone call. This company never identified themselves in all the phone calls they made to my phone number. I had to do research to find out who all the multitude of phone numbers belong to. I never want to be called repeatedly, hung up on and have a caller never once identify themselves, the company or the nature of the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have a credit card on my report thats not mine. I have never had a Bank of America card And when I call the number on the credit report she tells me we dont have a card under my social security number or name yet its on my report! The amount keeps going up and I cant do anything g about it. Its not mine

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 2022-05-21 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX  Account # XXXX ( Transunion ) and XXXX ( XXXX ), has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-05-21 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act Capital One, collection XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: NJ

Complaint narrative:
paid collections account and agreed to pay in full for deletion on a recorded line to delete the collection from report and they never deleted it. 

XXXX XXXX XXXX never updated the balance or removed the collections like they agreed to do. 
XXXX XXXX XXXX -never updated the balance on my credit report or deleted it from my credit report like they agreed to do XXXX XXXX XXXX  -updated balance and never deleted like they said they agreed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: NJ

Complaint narrative:
paid collections account and agreed to pay in full for deletion on a recorded line to delete the collection from report and they never deleted it. 

XXXX XXXX XXXX never updated the balance or removed the collections like they agreed to do. 
XXXXXXXX XXXX XXXX  -never updated the balance on my credit report or deleted it from my credit report like they agreed to do XXXX XXXX XXXX -updated balance and never deleted like they said they agreed to do.

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 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Blackhawk Network Holdings Inc.
State: MO

Complaint narrative:
Why was I given a card in the mail after closing my account five years ago and why dose it say charges from New York when Ive never been there in my life Im not paying anything if thats what you want

Company response to consumer: Closed with explanation