vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CAPITAL ONE OPEN A ACCOUNT WITH OUT MY AUTHORZATIONS AND I HAVE A FRAUD FREEZE ON MY REPORTS AND SOMEONE OPEN A CREDIT CARD AND MAXED IT OUT AND BLAMING ME CAPITAL ONE 2 late payments {$9100.00} Closed Account info Account name CAPITAL ONE Account number XXXX Original creditor - Company sold - Account type Credit Card Date opened XX/XX/XXXX Open/closed Closed Status Closed. {$610.00} past due as of XXXX XXXX 
Status updated XX/XX/XXXXXXXX  Balance {$9100.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX  Credit limit {$8000.00} Monthly payment {$350.00} Last Payment Date XX/XX/XXXX Past due amount {$610.00} Highest balance {$9100.00} Terms - Responsibility Individual Your statement - Payment history 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 Current / Terms met 30 Past due 30 days 60 Past due 60 days - Data Unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX Comments Account closed at credit grantor 's request Account previously in dispute - investigation complete, reported by data furnisher

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
Navient calls me up to 5 times a day from unidentified numbers in different States. Everyday. Between XXXX and XXXX. Even during the pandemic period where loans were paused. They said that did not apply to me. Even though all my information came directly to me from the federal government. I was on the IDR plan and still am... I got notice of my payment restarting in XXXX. 
Navient does not care ... they want me to take out a private loan to pay back my federal loans. I also know that on XX/XX/2024 Navient will no longer be my service provider as they have quit. 
It seems like it's quite a scam. 
But they keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have filed a dispute with Transunion twice regarding my XXXX  XXXX XXXX account. My balance has been paid in full and I owe nothing on that account. The balance was paid several months ago but Transunion says they are reporting accurate information. This is a blatant lie and proves they do not 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 2023-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

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 2023-11-02 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: EQUIFAX, INC.
State: TX

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
At XXXX XXXX XXXX on XX/XX/, I received an e-mail alerting me to a purchase on my Citibank XXXX XXXX XXXX card in the amount of {$10.00} including taxes. The purchase of XXXX gallons of regular unleaded gasoline was made at a XXXX XXXX located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. At the time I received the e-mail, I was sitting in my office at home in possession of my credit card. My wife does not drive nor have a card for this account, nor does anyone else. I suspect my credit card information may have been skimmed from a gasoline pump during my last fill up at the XXXX XXXX located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX on 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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon carefully examining a copy of my personal credit report, I have uncovered a number of discrepancies. While I understand that errors can occur, these particular inaccuracies could seriously jeopardize my prospects of becoming a homeowner. I have researched the dispute process and I am aware that you are required to complete your investigation within a thirty-day timeframe. The following is the error that I have identified : XXXX  XXXX XXXX XXXX. Please remove this fraudulent account ASAP. I kindly request that you take the necessary time and care to eliminate the inaccurate information from my credit report. Also please take note that I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I am the person making this complaint & I give cfpb authority to investigate this claim.

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 2023-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX has violated my rights. 
XXXX XXXX XXXX  ( # XXXX ) XXXX  XXXX ( # XXXX ) XXXX HAS VIOLATED MY RIGHTS XXXX  XXXX ( XXXX ) TRANSUNION HAS VIOLATED MY RIGHTS XXXX  XXXX XXXX XXXX XXXX  ( XXXX ) XXXX  XXXX ( 1682 ) 15 USC 1681 section 602 A 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 accounts 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 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 2023-11-01 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX has violated my rights. 
XXXX XXXX XXXX  ( # XXXX ) XXXX  XXXX ( # XXXX ) EQUIFAX HAS VIOLATED MY RIGHTS XXXX  XXXX ( XXXX ) XXXX HAS VIOLATED MY RIGHTS XXXX  XXXX XXXX XXXX XXXX  ( XXXX ) XXXX  XXXX ( 1682 ) 15 USC 1681 section 602 A 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 accounts 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 non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
On XX/XX/2023 I had received a call from my banks fraud department I been informed that a XXXX XXXX had access to my previous account. As far as trying to fix this cash app has allowed this person to take funds from my account and take over my debit card that was linked to my bank account. Cash app denies all wrongdoing and says that they are correct infact as a matter of fact that the documents that I provide will show otherwise. I will be using these documents in the court of law ialso have explained the situation over and over again. As you can see the card number ending with XXXX will show that it belonged to me and I did in fact have it in my possession with my name. Now you never found it odd that someone else got access to the same card information as the same as mine did you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting 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:
UPON REVIEWING MY CREDIT REPORT I SAW XXXX INFO IN 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 2023-11-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Action : National Credit Systems , Inc is accusing me of owning them money. They say I rented an apartment in Florida, which I did not rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC
State: NY

Complaint narrative:
Alliant Capital Mangement LLC has been calling after being told to stop verbally. Not only have they been calling me but they are calling my employer and harassing family members by calling them numerous times using different phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have provided a police report regarding my stolen identity and multiple accounts being opened in my name. I asked the company to send proof that the debt belongs to me being that they refuse to remove it and was sent a bill instead. A bill is not credible enough to claim the debt belongs to me. As a result of the negative remarks on my credit file, I am homeless and unable to obtain housing. I am also unable to access credit cards.

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 2023-11-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XX/XX/XXXX XXXX  late payment was applied to my credit report 15 U.S.C. 1681 ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons State rights to consumer privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: IL

Complaint narrative:
XX/XX/ late payment was applied to my credit report 15 U.S.C. 1681 ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons State rights to consumer privacy

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 2023-11-02 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
About 1 week before the offer to earn {$30.00} expired ( XX/XX/2023 ), I called the customer service line to confirm that the 5 transactions outside your family of brands requirement was met. Your customer representative confirmed that I met this requirement. 
Then, she proceeded to tell me it is also a requirement for me to contact XXXX Credit Card that I intended to pursue this offer. I communicated this condition was not written on the offer. She said that there is a new bank handling this card and it is now a requirement. 
As I never received another communication changing the original offer, I request you honor the offer mailed to me and attached. 
Please respond 30 days after receipt of this letter.

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 monetary relief
Consumer complaint received 2023-11-01 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

EXPERIAN has violated my rights. 
XXXX XXXX XXXX  ( # XXXX ) XXXX  XXXX ( # XXXX ) XXXX HAS VIOLATED MY RIGHTS XXXX  XXXX ( XXXX ) XXXX HAS VIOLATED MY RIGHTS 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 A Section 2 : It also states a consumer reporting agency can not furnish accounts 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 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 2023-11-01 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: NY

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't 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 2023-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
I have called Mohela regarding the balance on my account, which is was granted 100 % by the department of education. I received a letter stating that my student loaned will be adjusted and cover at 100 % due to the lawsuit with the court due to my student loans with the school that I attended XXXX university . Half of my loans have been adjusted and corrected but I still have a balance showing on my account which I have proof Mohela with the letter provided by the department of education and they continue to ignore and make corrections to my account. The balance of {$15000.00} plus is still showing on my credit report, which is causing a lot of issues with my credit score, etc. I dont know what else to do with the department of education and Mohela . Ive been dealing with this issue since 2004 after graduating from the university when false information was presented to me And forms where, signed or not authorized by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I recently opened a account with lowes through synchrony bank. My credit limit was {$1000.00} I was notified that because of a recent credit inquiry to my accounts, my credit line has been decreased significantly I never authorized synchrony bank to randomly pull my credit Im requesting that my lowes credit limit is increased to {$10000.00} dollars

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 2023-11-02 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: NJ

Complaint narrative:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
the credit consumers are not accurate of what they say i owe them. reffering to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chase Bank , i have never open an account with none of these companies

Company response to consumer: Closed with explanation