vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-02 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
BACK IN 2019 THERE WAS AN ACCOUNT OPENED IN MY NAME WITH NAVY FEDERAL CREDIT UNION. THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION. SINCE IVE NOTICED THE ACCOUNT OPENED IVE WRITTEN LETTERS TO EACH CREDIT BUREAU, IVE CALLED THE CREDIT BUREAUS, IVE WRITTEN LETTERS TO NAVY FEDERAL AND CALLED THE BANK AS WELL. THE ACCOUNT HAS A {$11000.00} BALANCE. THIS IS CREATING SUCH A HARD SHIP ON MY LIFE I DID NOT OPEN THIS ACCOUNT. PLEASE HELP 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 2022-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
I received a 1099-C cancellation of debt but still getting request from debt collector requesting money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I continue to see unverified and erroneous accounts listed on my credit profile. I have repeatedly asked for an investigation into this accounts as well as verification of these accounts and have yet to get a response or receive written, signed documentation that these alleged accounts are mine. I do not recall opening the accounts and they continue to be reported on my credit profile.

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 2022-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent disputes to XXXX, Transunion, and XXXX and I have not received any dispute notifications or mail saying a dispute was done or that there are some results for me to review. I need for CFPB to look into this situation. I am under the assumption that if they do not respond or take longer than 30 days that is automatic cause for deletion of derogatory accounts that was disputed.

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 2022-02-02 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: GA

Complaint narrative:
I have sent disputes to XXXX, XXXX, and Experian and I have not received any dispute notifications or mail saying a dispute was done or that there are some results for me to review. I need for CFPB to look into this situation. I am under the assumption that if they do not respond or take longer than 30 days that is automatic cause for deletion of derogatory accounts that was disputed.

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 2022-02-02 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Chase sent me a letter to settle my account ending in XXXX for {$790.00}. In XX/XX/2022, I contacted the company and remitted payment for this account to settle it. Chase representative said that the account would be reported as settled for less than the amount due and I would receive a cancellation of debt. 

This account is inaccurately showing up on my credit report as still having a balance. I contacted the company today and was met with rude customer service. The representative told me to contact the credit bureaus to resolve my issue which is violating my rights under consumer protection laws and FCRA. The account is adversely impacting my credit due to the deceit and fraud from the representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Transunion is blocking me from unfreezing my credit, this is the only company that gives me a hard time when I try online it gives me a suspended screen. Also when I can it say that its unable to process the request. and hangs up its going on for about a week now. I have my XXXX digit pin, I don't see why I need to talk to someone overseas " their customer services '' to do a simple unfreeze without trying to get a subscription. Also you are reporting inaccurate and injurious credit information. As you are no doubt aware, credit reporting laws ensure that credit bureaus report only accurate credit information. Please delete this misleading information in order to show my true credit history.15 USC 1681a ( XXXX ) ( i ) Exclusions from a consumer report include information solely as to transactions or experiences between the consumer. By law you can not furnish transaction history. Transactions are late payments, this need to be removed now. 
15 USC 1692d a debt collector may not engage in the use of criminal means to harm the physical person consumer or my reputation. These late payments are damaging my reputation. They have also caused me great harm, mentally and physically. 
15 USC 1681a ( XXXX ) ( b ) Exclusions from a consumer report include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. I have never given any authorization or approval.15 USC 1692b ( XXXX ) you may not state that I owe a debt. 
Furthermore, I request that you send a corrected copy of my credit report to me and all creditors who have received a copy within the last six months, or the last two years for employment purposes.

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 2022-02-02 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: CA

Complaint narrative:
there are in accurate reportings on several accounts, late payments and charge offs that are not true

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
AN ACCOUNT WITH CAPITAL ONE AUTO HAS BEEN OPENED IN MY NAME WITHOUT MY CONSENT. I DID NOT GIVE PERMISSION FOR THIS ACCOUNT TO BE OPENED. THE AUTO LOAN IS FOR THE AMOUNT OF {$44000.00} IVE CALLED THE CREDIT BUREAUS, CAPITAL ONE AND IVE WRITTEN LETTERS WITHOUT ANY CHANGE. THIS IS CAUSING A GREAT DEAL OF HARDSHIP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I have unauthorized debt on my credit report from Affirm. I am only XXXX XXXX XXXX someone is opening lending accounts in my name without my consent and its affecting my credit drastically

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Upstart Holdings, Inc.
State: GA

Complaint narrative:
I received a 1099-C cancellation of debt but still getting request from debt collector requesting money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX sent me a letter to settle my account ending in XXXX for {$790.00}. In XX/XX/2022, I contacted the company and remitted payment for this account to settle it. XXXX representative said that the account would be reported as settled for less than the amount due and I would receive a cancellation of debt. 

This account is inaccurately showing up on my credit report as still having a balance. I contacted the company today and was met with rude customer service. The representative told me to contact the credit bureaus to resolve my issue which is violating my rights under consumer protection laws and FCRA. The account is adversely impacting my credit due to the deceit and fraud from the representatives.

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 2022-02-02 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: SC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-02-02 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: CA

Complaint narrative:
they are problems with several accounts that say charge off and accounts that say late these are not factual and need to be corrected

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 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am an American Express customer - who received an offer to open a KABBAGE checking account in exchange for a {$300.00} opening bonus. On or around XXXX XXXX I submitted an online application to open the checking account under this promotion. 

The website stated my application would be reviewed and account opened within a few business days ; my application was submitted to AMEX / Kabbage at the latest on XX/XX/XXXX for a {$300.00} opening bonus promotion that had an expiration of XX/XX/XXXX. 

AMEX / Kabbage did not provide me any status updates on my application since it was submitted, on or around XX/XX/XXXX I received a snail mail paper statement about this checking account having been opened on my behalf. 

On XX/XX/XXXX I contacted Kabbage / AMEX to inquire about my account in order to ensure the {$300.00} opening bonus was applicable. The {$300.00} incentive is the only reason I applied for the account and it was promised that my account would be opened " within a few business days '' - my account application was submitted on XX/XX/XXXX. 

According to Kabbage / AMEX customer service agent " XXXX '' my checking account XXXX was effectively opened on XX/XX/XXXX. The agent stated that the {$300.00} promotion I had signed up for ( on XX/XX/XXXX ) would not be honored for this account. They stated that the signup bonus required the account be opened prior to XX/XX/XXXX. 

I submitted my complaint to Kabbage customer service that my account application had been submitted in a timely manner ; on XX/XX/XXXX. Plenty of time for the checking account to be opened and for the {$300.00} account bonus terms to have been met. That no communication from AMEX / Kabbage had been received since submitting my application. 

A customer would NOT expect an account to have been opened under different terms than originally agreed upon ; my application was submitted in XX/XX/XXXX during a {$300.00} PUBLIC signup bonus promotion ( https : XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have transferred the money to savings account. I have cancelled all my bills and wasnt expecting a charge. They paid XXXX and charged me overdraft fee. I contacted the bank and they stated that it is correct and my back up account wasnt connected to the checking and I got charged a fee. It states on the company policy that as of XX/XX/XXXX they are eliminating insufficient funds fee. They didnt eliminate one for their loyal customer and try to charge you any fee possible. Please take a look at this company.

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 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I keep getting unwanted credit card offers in the mail for my deceased husband. My husband died in XXXX XXXX XXXX, I have contacted Capital One numerous times and they will not stop sending mail to me in my late husbands name. I have moved twice since my husband died, one of those moves was out of state and they keep sending me offers to my new address. Repeatedly. I moved again four months ago and they found me. I have received three separate offers in my deceased husband name in the last three weeks alone. I have asked them more times than I can count to please stop sending mail addressed to my late husband at my address. I have called, returned the offers with the verbiage ( deceased - return to sender on it ) and written letters asking them to cease. They will not stop. I believe I filed a complaint with either you or the FCC back in XXXX requesting help to compel them to stop. It worked for a year, now they are back at it. Please help stop this harassment. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 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: CT

Complaint narrative:
Capital one Authorize some one to get a credit card under there name on my account. With out me knowing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CO

Complaint narrative:
I want to dispute this debt because I think this debt is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
I came to file a FTC complaint of inquiries that I do not recognize and it redirected me here to file a complaint. I am submitting a complaint of inquires from unknown sources. I can not identify these inquires made nor did I authorize them so I believe I am a victim of identity theft. I would like these inquires removed from my credit report with investigation on who made them. 

XXXX XXXX - Equifax - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX - Equifax - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have no idea who this debt collections company is that bought some debt and says it was mine. Ive told the the company over and over again it got deleted and reappear. I have been trying with the credit reporting agency to get this removed and they have not been responsive to my request. 

Several police reports were sent to Experian in the past they continue to allow this company to ruin my credit. 









Report Number XXXX Date Generated XX/XX/XXXX Before After Your information may have changed since XX/XX/XXXX Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$810.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$810.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$810.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX 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 XXXX XXXX XXXX Collection Payment history guide Collection as of XX/XX/XXXX to XX/XX/XXXX Historical info Original creditor XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Additional info The original amount of this account was {$810.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Comment Current : Completed investigation of FCRA dispute - consumer disagrees. 

Previous : None Reinvestigation info This item was updated from our processing of your dispute in XX/XX/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 2022-02-02 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have a XXXX XXXX credit card, my ill on the cruise was XXXX, when I got home checked my credit card there was charge from XXXX XXXX company for {$6800.00}, I dusputed with Bank Of America, XXXX send a fake receipt that it was charged on XXXX of XXXX, I got mt last bill after checking out, it clearly say 's final, Bill

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 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
I came to file a FTC complaint of inquiries that I do not recognize and it redirected me here to file a complaint. I am submitting a complaint of inquires from unknown sources. I can not identify these inquires made nor did I authorize them so I believe I am a victim of identity theft. I would like these inquires removed from my credit report with investigation on who made them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
I came to file a FTC complaint of inquiries that I do not recognize and it redirected me here to file a complaint. I am submitting a complaint of inquires from unknown sources. I can not identify these inquires made nor did I authorize them so I believe I am a victim of identity theft. I would like these inquires removed from my credit report with investigation on who made them. 

XXXX XXXX - XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Experian - XX/XX/XXXX XXXX - XXXX - XX/XX/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 2022-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Redfin Corporation
State: NC

Complaint narrative:
Applied for a mortgage pre-qualification with Redfin on XX/XX/XXXX. Was told I would be pre-approved in a few days. As of XX/XX/XXXX, no movement was made to approve uploaded documentation and pre-approve mortgage. XXXX XXXX has also not responded to inquiries since XX/XX/XXXX. We are concerned he is stealing our personal information since there was clearly no effort to approve application.

Company response to consumer: Closed with explanation