vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I agreed to add XXXX XXXX to my Capital One Card and assuming all responsibility knowing that It had a credit limit of XXXX imposed on the card. I knew that as my fiduciary Capital one would not let any charges over this amount XXXX XXXX used the card to rent from XXXX and they imposed a XXXX deposit XXXX XXXX rented the car, signed for the rental, filled out the paperwork and gave all required information assuming responsibility for the car After seeing how the card was used, I took XXXX XXXX off the card and Capital One helped me change the account numbers so no other charges could be applied. This was before the back charge of XXXX was applied Obviously XXXX XXXX did not return the car as agreed and XXXX then imposed a XXXX charge several weeks later I contacted Capita one and disputed the charge due to it was XXXX over my limit and XXXX no longer had access. The account number they had were no longer valid, they had to be provided by capita one, ( which is illegal ). 

Capital one provided them with the new account number without my approval and a XXXX charge was installed on my account Interestingly enough, several months ago, I contacted Capital One about raising my limit and was declined. However after I disputed this charge, Capital one raised my card limit in order to handle the charge. Isn't that convenient, XXXX has the ability to raise my credit limit, but I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: Marlette Funding, LLC
State: IL

Complaint narrative:
In accordance with the fair credit reporting act. This lender 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 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 an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: PA

Complaint narrative:
Hello my name is XXXX. Ive been in the process of trying to start a new business and haven't been able to due to this un accurate information on my credit. I am writing to delete this information in my file. The item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Comission 's Identity Theft Affidavit. Please delete the items as soon as possible so that I am able to move on with my life, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: PA

Complaint narrative:
Hello my name is XXXX. Ive been in the process of trying to start a new business and haven't been able to due to this un accurate information on my credit. I am writing to delete this information in my file. The item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Comission 's Identity Theft Affidavit. Please delete the items as soon as possible so that I am able to move on with my life, thank you.

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 2022-09-07 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Bankruptcy reference # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I also want these names and addresses deleted XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX 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 I had written to the company ( MCM ) and the bureaus on numerous occasions but to no avail have they complied with the FCRA and provided me with the proper information. I also have written to the bankruptcy court and they sent a letter stating that they don't report to the bureaus and I sent the letter to all three bureaus and they still are reporting on my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
My dispute is with Barclays Bank of Delaware In XXXX / XX/XX/2022 two fraudulent credit cards were opened using my social security number - one for XXXX XXXXXXXX and one for Frontier Airlines. 

When these new accounts appeared on my credit report, I phoned Barclays on or around XX/XX/2022 and reported the fraudulent activity. 

The security department stated they were closing the accounts and sending the information to be investigated and I would receive a call or letter with the result. 

To date, I have not heard back from Barclays on that investigation. 

On or around XX/XX/2022 Barclays reported a delinquent account which resulted in a XXXX point drop to my credit score. 

I called Barclays today, XX/XX/2022 to remediate this issue. I was passed to five separate representatives who stated they were unable to find my information in their systems using my name and last 4 of my SSN. 

I was finally transferred to the security department. The representative found my accounts and stated that the XXXX XXXX one has been closed, but no fraud reported internally and no investigation was done. She stated the Frontier Airlines card was still active with an {$89.00} balance- which is the charge for the annual fee. 

She stated there was nothing she could do to help me with the false delinquent report to the credit bureaus and that she was closing the Frontier Airlines account and I would hear back by mail or phone on the result of the fraud investigation. 

The false information remains on my credit report and Barclays was unable to provide a timely resolution. I have no faith I will hear from them regarding an investigation.

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 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This is against Penfed Credit Union. On my XXXX statement I noticed that I have been getting a {$3.00} charge for a cash advance. I contacted them to ask about this cash advance as to when it was made and how much. I have not gotten a response as to date. I called and could not get an answer. Penfed # XXXX Thank you for contacting PenFed. 

Weve received your support case ( XXXX ) and have forwarded it on for reviewa representative will be in touch with you as soon as possible. 


Sincerely, PenFed XXXX XXXX Take PenFed with you!

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 2022-09-07 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: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
WF CRD SVC WF CRD SVC, CREDIT BUREAU DISPUTE RESOLUTI, XXXX XXXX, IA XXXX I called Wells Fargo dispute office early week of XX/XX/XXXX and even 30 days ago and they asked for my information. And they said my birthdate is wrong. 
I told them that then it isn't mine. And they won't remove their hard inquiry and old revolving account from my credit report. 

They put " charged-off '' and they won't tell me who the collection agency bought this account. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX Collection Agency would call me or send me a letter to let me know what I owe ... or just be on my credit report a long time until I can see it on there. 

You can ask the credit bureaus that I paid off all of my collection agencies. It is sad that Wells Fargo is treating me like this. 

They know that most people don't look at their credit report. 

They said that they will submit it to fraud department. 
I asked them what address is on the application, they said my current address is on there. I told them that I never applied for a card in Mississippi in XXXX. 

They said that they will send me the application and other stuff for validation ... and they never did mail them to me. 

I disputed with XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX and I do not know who they are. They never responded to me, it has been over 30 days. Their trade name XXXX and XXXX XXXX, I have never borrow money from them or applied to them. 

I disputed this on XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX and they didn't respond to me at all. I asked them to remove themselves off of my credit report. Since they didn't send me any validation. 

I disputed this on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, ND XXXX and I have not heard from them either. They didn't send me any validation. I don't remember them. 

I attached document of transcript conversation between me and Wells Fargo ... using TTY.

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 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
A Fraud claim opened, XX/XX/2022. XX/XX/XXXX XXXX called XXXX to close this fraud acct..XXXX  XXXX reported to credit bureau, FTC XXXX XXXX and .gov and personal accouts. XX/XX/XXXX letter from Bank of America, Research completed-Mailed affidavit back to bank of America to XXXX XXXX XXXX received statement from Bank of America in US mail.XXXX  XXXX XXXX gets notification from XXXX a new account activity from Bank of America. I called bank talked to ( Bank Rep. XXXX ) BofA, a new account was opened, it will be deleted in 10 days.XXXX  XXXX received statements in mail from Bank of America, ( now 3 accounts open ) XXXX XXXX XXXX gets notification from XXXX new account activity from Bank of America XXXX XX/XX/XXXX XXXX calls Bank of America XXXX XXXX XXXX Bank rep. Says they can not close accounts full for 90 days. XX/XX/XXXX XXXX gets notification from XXXX nem account activity from Bank of America. I call bank talk to ( XXXX XXXX ) Bank rep..a new account was opened XXXX requested again to close all accounts. XXXX starts new claim number. XX/XX/XXXX possible 4 accounts open in XXXX name? XXXX does not know? XX/XX/XXXX letter from bank of America, SecondAffidavit sent back to Bank of America XXXX XXXX XX/XX/XXXX Statements from Bank of America in US mail ( now 3-4 acct.s ) XXXX XXXX Bank of Americ rejects Affidavit XXXX XX/XX/XXXX XXXX travels to XXXX Kentucky to Bank of America to close accounts personally, provided Drivers Lic., SS card, PassPort, Elctr Bill & phone bill. Still not closing accounts. Bofa rep XXXX XXXX and MGR XXXX XXXX XXXX XXXX, working With Fraud Dept. they ran out of time, they will call me back. XXXX and XXXX XXXX called and left message..they never called back, Sent a Fax to XXXX BofA no response as of XX/XX/2022.

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 2022-09-07 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX a lease with XXXX XXXX ( XXXX XXXX Apartments ) was created with XXXX XXXX ( Primary Tenant ) and I ( XXXX XXXX ) was the Roommate. XXXX XXXX agreed, along with the property management of XXXXXXXX XXXX Apartments ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ) for apartement # XXXX. It discloses under # XXXX that " Releasing a m XXXX XXXX ( name of roomate who is moving ) from further liability or responsibility under the lease. This was signed by XXXX XXXX and by myself ( XXXX XXXX - before a notary in Nevada. I have not been at XXXX XXXX XXXX, XXXX, GA XXXX since I moved in XX/XX/XXXX. Since then I moved away with reassurance from XXXX XXXX XXXX XXXX that I would be clear of all liability for this unit. I was sent to a collection agency " XXXX XXXX XXXX ( XXXX ) '' without any notification and no communication. I see that {$6300.00} is reported all 3 of my credit report falsely and unknowingly that impacted my credit scores causing punitive damages. My character was misrepresented and I was unable to get a place in Georgia causing to move out of state and I didn't even know why. My credit score went down 35 points and it impacted my result of getting a house. I feel XXXX Apartments and XXXX XXXX, along with XXXX XXXX XXXX should be penalized for violated the credit reporting act in so many way. Please follow up on this. My number is XXXX. This was really misleading to have me sign a roommate release and then turn around and bill me charges for a place I didn't live at. I had great credit and never had this happen to me before. 
XXXX XXXX Apartments sold my information to an unauthorized Collection Agency XXXX XXXX XXXX XXXX XXXX. It was illegal for them them to give my private information out to another consumer after I was already released from all liability in a legal signed agreement. I was also mislead by the consumer illegally. Thank you.

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 2022-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
Phone call says his name is XXXX does not give me last name asays I owe a debt from XXXX that I paid on he says for nine years then stopped in XXXX Refuses to tell me what the debt is for except the name of some bank I have never heard of HSBC gives me a phone # which I called its a Nevada phone # i have never lived in Nevada or heard of this bank XXXX ( XXXX ) XXXX When i call they answer XXXX XXXX XXXX but I look up this law firm and its different phone # in Nevada and not a debt collector? 
This XXXX on phone Threatens to sue me and garnish 25 % of my wages. 
I have never heard of this bank and I am so concerned and confused please help me He faxed me a paper wanted me set up payment plan without allowing me to know how I obtained this debt. He has my employers information. 
I'm really worried cause I can't understand what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX How is XXXX and XXXX reporting the account status being closed but Trans Union is reporting it as Indeterminate? Which one is it? Is it open, closed or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX XXXX not supply that information to you? 
Trans Union is reporting the date last active as XX/XX/XXXX, XXXX is reporting it as XX/XX/XXXX, and XXXX is reporting it as XX/XX/XXXX. It can't be all three. Which date is it? 

Why isn't Trans Union or XXXX reporting any payment history? When was I reported late with Trans Union or XXXX? What was my monthly payment? When was my last payment received for this account? What were the terms for this account? 

This account is completely inaccurate and incomplete.

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 2022-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
A collections account was opened up in my name On XX/XX/XXXX Regarding an XXXX XXXX that occurred on XX/XX/XXXX. I had a personal injury attorney settle all my medical costs through insurance and received a settlement check with all the amounts paid off. I have tried countless times to contact and open disputes with this company to get it removed and it has still stayed on the credit report of my XXXX. I had it removed on XXXX but they will not remove it from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Someone tried to use my SSN to open an account with Bank of America. I caught it in time and the declined the application. Apparently Bank of America is recieving a lot of these complaints.

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 2022-09-07 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: SC

Complaint narrative:
I sent my request off on XX/XX/XXXX, I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 1. ) XXXX XXXX DEPT OF ED / XXXX XXXX 2. ) XXXX XXXX XXXXXXXX 3. ) XXXX XXXX, 4. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX # # # # # # # # # # # # XXXX 6. ) XXXX XXXXXXXX XXXX # # # # # # XXXX, 7. ) XXXX XXXXXXXX XXXX # # # # # XXXX 8. ) XXXX XXXX  # # # # # XXXX 9. ) XXXX XXXX # # # # # XXXX According to the FRCA the term " investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: MA

Complaint narrative:
i have asked and asked in writing, over the phone, filed dispute after dispute with credit reporting agencies. this is not my debt, i have asked for PROOF OF DEBT, DOCUMENTAION AND THEY REFUSE. THEY JUST CONTINUE TO STATE IT IS MINE. THEY HAVE TO PROVIDE PROOF UNDER THE LAW BEFORE THEY START TEARING APART MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: GA

Complaint narrative:
I dont have a debt with this company. They are in violation of my rights as per USC 1681 I have never given anyone permission to share any information on my behalf. I have never signed any type of agreement with this company and have never done business with this company. This company has harmed my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to get a copy of my credit report today, XXXX XXXX from XXXX Credit Report for Equifax, and they continue to produce an error code. I have not been able to get a copy of a credit report due to a code NH. Attached is a copy of the message that I continue to receive. 


Please give us a call We can't complete your request at this time. Please call the XXXX XXXX team and mention error code NH. 

XXXX-EQUIFAX ( XXXX ) Customer Care is available XXXX XXXX  and XXXX XXXX ET, Mon-Fri ; between XXXX XXXX and XXXX XXXX ET, Sat-Sun

Company response to consumer: Closed with explanation