vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I have sent the company a debt validation and have not received requested information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX violated my rights. 15USC 1681 section602 States I have the right to privacy. 15USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 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 2024-01-06 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: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 I am reporting a fraudulent inquiries found in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
XXXX & ACIMA Digital FKA SIMP is breaking the consumer law pertaining to Acct # XXXX and any other accounts I've uploaded documents thats confirming and the law their VIOLATIONING IM DEMANDING this ACCOUNT corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation STOP VIOLATING THE CONSUMER LAW UNDER TITLE 15 COMMERCE & TRADE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days.

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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK
State: WA

Complaint narrative:
I am victim of identity theft and discover card still ask me for responsibility to pay no matter what

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: CA

Complaint narrative:
My information was sold and bought illegally because I was a victim of Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports Equifax, XXXX and XXXX. 

XXXX XXXX Account Number : XXXX Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
We received a letter from Wells Fargo in late XX/XX/XXXX. The communication was dated XX/XX/XXXX, from Wells Fargo Customer CareXXXX ( XXXX XXXX XXXX, XXXX, XXXX XXXX ) stating : " During a recent review of our current and former customer accounts, our records indicated that you were enrolled in the Identity Theft Protection- Affinion product. The enrollment began XX/XX/XXXX and ended XX/XX/XXXX. 
If you feel that the enrollment in this product was not authorized or not warranted by you, please call us within 60 days of the date of this letter so that we may care for any impact this enrollment may have caused. Otherwise, no action is needed. 
If you have questions regarding enrollment in this product, please call us at XXXX, Monday through Friday, XXXX XXXX XXXX XXXX XXXX XXXX. We accept telecommunications relay service calls. 
Thank you, Wells Fargo Customer Care '' XXXX  XXXX MEMBERSHIP NUMBER XXXX Reference Number XXXX We called the number provided in XX/XX/XXXX. We asked why, if the service were discontinued in XX/XX/XXXX was our Wells Fargo account debited {$15.00} each month through XX/XX/XXXX? We were offered a refund of {$170.00} for " interest and fees ''. We requested refund of the full amount debited from our account over 13 years, ( {$2400.00} ) for a service that no longer existed. This resulted in an agent " graciously '' offering to add {$250.00} additional to our compensation. With each hold and transfer, agents would give first name only and no call back information. It was obvious that this third party did not have authority to reverse the charges against our account. Their resolution was to mail {$420.00} to us along with a letter to initiate litigation. This " Wells Fargo Customer Care '' call center is merely a time consuming buffer to Well Fargo 's responsibility to customer care.

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 2024-01-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Hello, the resolution that Amex provided was incorrect ( XXXX} ). The total amount of the card are equal to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX 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

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 2024-01-06 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: EQUIFAX, INC.
State: MA

Complaint narrative:
After reviewing my credit profile, I identified discrepancy with my account and validation was requested as this was account I did not recognized I reviewed my account again and the accounts continue to reflect on my credit report and I have not received any correspondence from creditors to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a second certified letter was sent out. These company are reporting fraudulent inaccurate information on my credit report. I requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if this is actually an account that belongs to me 15 U.S.C 1681. These account continue to affect me negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: AZ

Complaint narrative:
I just got my credit report on XX/XX/2024, and noticed some accounts on my credit report that are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have been trying to get into my credit report accounts to try and dispute inaccurate information and I put an identity theft alert on my account that has not been honored. I noticed a few discrepancies that needs my attention and I cant access any of my accounts.

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 2024-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to formally lodge a complaint regarding an alarming and unjust situation involving my account with Capital One Bank. My name is XXXX XXXX, and I have been a customer with Capital One Bank. 

Due to the fact that I have to purchase a house, I made financial arrangements, including borrowing money from friends, to secure the necessary funds to close on the house. Subsequently, I deposited a sum of {$220000.00} into my Capital One Bank account, aiming to purchase the property. 

To my immense dismay, and without any justifiable explanation, my account was abruptly closed by Capital One Bank. What is even more troubling is the fact that my funds, totaling {$220000.00}, have been withheld by the bank. This action was taken without providing me with any concrete reasons or a transparent rationale. 

I have made numerous attempts to resolve this issue by contacting the customer service representatives through various channels. However, despite my persistent efforts, I have been met with vague responses, including claims that my account is " under investigation. '' It has been XXXX months since Capital One Bank XXXX XXXX of my funds, and there has been no sign of progress or resolution. This situation has caused me significant financial distress and emotional turmoil. Please help me. 

I hired a lawyer to help on this situation, please direct all communication to XXXX XXXX XXXX XXXX XXXX, XXXX, email address : XXXX and her phone number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AZ

Complaint narrative:
Hello, My name is XXXX XXXX, I live in XXXX, Arizona. I'm an XXXX XXXX XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX and I work at XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

I've done multiple terms with XXXX and amassed a sizable education benefit that I've been trying to use toward my student loan payments since XXXX. I was never invoiced for XXXX so found out in XXXX that I was past due. I followed the process to send payment from my XXXX education account immediately, but MOHELA rejected the payment. 

On XX/XX/23 I called them and navigated a phone tree for 45 minutes before it dead ended and ended the call. I called again and tried different options and waited 50 minutes to speak with someone. She couldn't figure out why the payments were rejected, so she escalated me to a supervisor. 

That supervisor walked me through resubmitting the payments through XXXX with a slight change in how I did it last time. She assured me it would go through and she said that it was an issue that comes up sometimes with XXXX payments. 

I sent 3 payments that day to catch up my account. 

Today, I received a past due notice of {$1200.00} with threats that I will be sent to collections. They again rejected my 3 XXXX payments even though they walked me through it, and said I did it correctly. 

I'm desperately trying to fix this. I can't get sent to collections because we plan to buy a house soon. I have the money in my XXXX education fund that I worked hard for. I'm trying to pay them, they are very, very difficult to get a hold of, and I need help please. 

I've called and spent multiple hours navigating their phone tree just trying to reach a live person, but I keep hitting dead ends on the phone tree that end the call. I've only been able to actually speak to someone that XXXX time when they walked me through doing the payments ( which still got rejected ). 

Is there anything you can do? Any way you can help me to be able to speak with someone there who can help me? All I need is a way to talk to someone and see why they keep rejecting my payments. 

Their phone system uses social engineering to make it extremely difficult to reach someone. They force you to listen to recorded messages that are over 4 and over 5 minutes long before offering an option on the phone tree which then takes you to another lengthy recording. They bounce you back to the AI assistant and some of the options are just dead ends that don't offer any way forward but to hang up. 

You can try the number yourself to see what I mean- it's XXXX. 

I'm trying to do the right thing, please please help me to reach them. I feel completely helpless and so stressed out. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: GA

Complaint narrative:
XXXX XXXX, XXXX, and EQUIFAX is reporting account information without proper consent or authority. The account information is associated with identity theft and other criminal activity. 

The XXXX credit reporting agencies also failed to take reasonable measures to prevent my identifying information from being used, shared, and sold, after having knowledge of the identity theft and criminal activity. 

I have discovered more criminal activity on the credit report and have filed another identity theft report to have the account information block and permanently deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: GA

Complaint narrative:
XXXX XXXX, EXPERIAN, and XXXX is reporting account information without proper consent or authority. The account information is associated with identity theft and other criminal activity. 

The XXXX credit reporting agencies also failed to take reasonable measures to prevent my identifying information from being used, shared, and sold, after having knowledge of the identity theft and criminal activity. 

I have discovered more criminal activity on the credit report and have filed another identity theft report to have the account information block and permanently deleted.

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 2024-01-06 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting a fraudulent inquiries found 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 non-monetary relief
Consumer complaint received 2024-01-06 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: NY

Complaint narrative:
These XXXX Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks HARD INQUIRIES 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: NY

Complaint narrative:
These XXXX Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks HARD INQUIRIES 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 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 explanation
Consumer complaint received 2024-01-06 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: SC

Complaint narrative:
I have been trying to get into my credit report accounts to try and dispute inaccurate information and I put an identity theft alert on my account that has not been honored. I noticed a few discrepancies that needs my attention and I cant access any of my accounts.

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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
BridgeCrest, XX/XX/21. My XXXX to XXXX according to XXXX XXXX of rescission. They have been none compliant and has not offered a remedy to resolve the matter.

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 2024-01-06 00:00:00
Product: Credit 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:
Bought an online course for {$3600.00} on XX/XX/XXXX, XXXX hours later I asked the merchant for a refund because the course was not what was promised prior to the sale. The course was completely different and incomplete. 
- I never signed a refund policy. 
- The merchant refused a refund on multiple occasions. 
- I filed a dispute with Capital One XX/XX/XXXX - Merchants faked documents, communication, and contracts the sent all this to the Capital dispute team. 

- Capital One asked for a response for me, and I provided what they asked : 1. My attempts to resolve an issue with the seller 2. Proof that I never signed the contract, 3. Proof communication was faked 4. Proof that I was never made aware of the refund policy before or after the sale.

5. Proof that the merchant canceled my purchase and revoked access to the product without giving me a refund. 

Capital one refused to protect me from fraud and ignored all the evidence that submitted

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: MA

Complaint narrative:
After reviewing my credit profile, I identified discrepancy with my account and validation was requested as this was account I did not recognized I reviewed my account again and the accounts continue to reflect on my credit report and I have not received any correspondence from creditors to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a second certified letter was sent out. These company are reporting fraudulent inaccurate information on my credit report. I requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if this is actually an account that belongs to me 15 U.S.C 1681. These account continue to affect me negatively.

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