vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the credit reporting act XXXXXXXX XXXX XXXX XXXX Account Number XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A Section 2 : It also states that consumer reporting agency can not furnish account without my written instructions. 15 USC 's 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 2023-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: RI

Complaint narrative:
Ive tried to to contact for information & proof of debt and non payment history and have not been contacted back

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 2023-03-04 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: CA

Complaint narrative:
This is my written request to delete the fraudulent hard inquiries. I was looking through my credit report, and I noticed unauthorized inquiries. Someone was trying to get a loan on my name. The thing is I did not sign nor authorize any of the loans. 

The below is my sworn statement concerning these credit issues. 

It is my sworn statement that, 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 qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of 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. 

Since it violates my privacy rights, I am requesting you to remove the hard inquiries listed below from my credit report : 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 XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Your immediate attention in this difficult situation will be appreciated.

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 2023-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I applied for a Capital One Venture X credit card. I was denied, supposedly for too much credit. I called and asked what was the specific issue. The agent would not tell me. I had an ING Direct savings account back in the early 2000s. This is covered all over the internet as to be an issue that Cap1 does not like these customers. Hello, Cap1 bought ING Direct. I am also XXXX man with a husband, retired with substantial assets. There seems to be discrimination issues being practiced at Capital One Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: FL

Complaint narrative:
I have disputed the fact that I do not owe XXXX XXXX XXXX, I have also certified mailed XXXX XXXX XXXX asking them to validate/ show evidence bearing my signature to prove to me that I in fact owe their company and if they can not provide this then remove this off my credit report as it is hurting my credit. I have not received any information that I have asked for. 

I have dispute the {$86.00} with Equifax and yet I have not received any proof as it still remains on my credit report. XXXX and XXXX both have already removed the {$86.00} off of my report so why do it still remain on Equifax?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have asked the credit bureaus and the collection agency, XXXX XXXX, to verify this debt and they have failed to do so. Also, the collection agency continues to report a late payment to my account every month on this collection account. I have disputed it with the credit bureaus with no resolve. The collection company is telling me that I have no rights and just have to pay the debt. 

I can provide the letters from each bureau showing what I have done and what they have done. I have received no communication from XXXX funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: MI

Complaint narrative:
XXXX XXXX has not corrected the issue on my account even though I have provided multiple forms of proof that I did in fact pay my account before the due date and even paid extra they have not corrected it and took over a month way longer then there deadline to respond in which i sent he challenging information electronically as well. I have attached two statements proving I paid on time and extra and request they remove tthis late payment and update it to current.

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 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX has not corrected the issue on my account even though I have provided multiple forms of proof that I did in fact pay my account before the due date and even paid extra they have not corrected it and took over a month way longer then there deadline to respond in which i sent he challenging information electronically as well. I have attached two statements proving I paid on time and extra and request they remove tthis late payment and update it to current.

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 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states 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. 

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).

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 2023-03-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Summary : My credit score now has a 7 year mark on it for late payment through extremely shifty practices from GapCard and Barclays.

I am the primary hold of our GapCard. Gap sent us new cards and had ( unbeknownst to me ) switched from XXXX XXXX to Barclays. We had automatic bill pay set up on XXXX. My wife made some purchases in XXXX and early XXXX of 2022. We never received any bills in the mail. Today I checked on my credit score and found that Barclays had issued a 30 day late payment notice that reduced my credit score by about XXXX points. I hadn't even activated my GapCard until today, and when I did so I found that it was now under Barclays and didn't even have a bank account associated with it for payments yet. So I set all that up and paid it. 

I have been monitoring my credit score because I expect to apply for a mortgage soon, and this will cost me thousands of dollars and be on my credit score for 7 years. How can GapCard get away with switching the primary cardholder to a new bank that is not set up, then never send bills or late notices, then mark me as delinquent. My address was correct in their system, and I had not signed up for electronic delivery. I had every right to expect that the card was still set up for automatic bill pay, and it was the secondary cardholder who made the charges. I hadn't even activated the new card yet. 

I immediately set up auto-pay and paid the bill, and we called Barclays, who are refunding some of the fees, but they have damaged my credit score in a way that will have a material effect on my mortgage rates, while never providing a bill let alone a late notice.

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 2023-03-04 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On Friday XX/XX/XXXX, I received a credit card I never applied for. It's the XXXX XXXX XXXX XXXX, provided through Comenity Bank in XXXX, Ohio. Its the actual CARD with the account number, and not a credit card offer. Its slate grey with XXXX XXXX logo on it. It doesnt specify if its XXXX XXXX XXXX or etc. But the attached letter does say it has a {$250.00} starting limit. I also received a couple e-mails from my credit monitoring service saying this account was opened a couple days ago, so I know its real and its now impacting my credit reports. The problem is I was never the one who applied for this card. 

My credit monitoring also looks like someone was trying to apply for an XXXX XXXX card in XX/XX/XXXX, also through Comenity. 

Well I have a vile stepmother whos originally from Ohio, and Im sure she still has friends there. She was HIGHLY likely involved in a credit card theft that occurred after my father died from XXXX in XXXX, among other crimes, and I know for a fact she has access to my social security number from my fathers paperwork. I cant say for sure exactly what she did because theres so much insane backstabbing and silence within my family. I find all of this deeply disturbing, IF theres any kind of connection between the family nonsense and these fraudulent credit card applications in Ohio. She would be in her early 70s now. She currently lives in XXXX XXXX from the last I heard ( several years ago ). 

Im submitting this report through the PA Attorney General and the CFPB. Im not complaining Comenity themselves necessarily did anything wrong. But someone, somewhere is doing some scary, not-nice things with my identity and it needs to be stopped. Im also in the process of trying to call Comenity XXXX XXXX fraud department at XXXX but the automated call service is telling me the department is currently closed and I should try again later. Probably because its Saturday ( XX/XX/XXXX ), but it doesnt give me a time I should call back. I DO NOT want to try calling the card activation number on the welcome letter, because this is not something I legitimately applied for!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I applied for a XXXX XXXX XXXX XXXX on XX/XX/2023, and it was denied because EXPERIAN Credit Bureau does NOT have my current credit card and bank information listed in the report they keep. They are showing I have NO credit history and NO credit cards or bank accounts. I'm XXXX XXXX XXXX, have had so many credit accounts and always paid in full never late. The other XXXX bureau 's have my current and correct information, but EXPERIAN does not list anything. And wouldn't you know it, XXXX XXXXXXXX XXXX who issues the XXXX XXXX XXXX card only checked with EXPERIAN credit reporting bureau. I have tried to contact Experian but there is no reliable contact info. I have tried to use their " BOOST '' web feature to list my current credit card info which is FOUR AND A HALF YEARS OLD and current, but their " boost '' feature does not list my credit union by name and so I can't correct the info myself. I have written them a letter demanding this credit info be added to my Experian account so I may be able to obtain credit per my legal right.. I am asking for help to get them to correct THEIR mistake which is causing ME to suffer. Thanks.

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 2023-03-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX. account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states 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.

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX. account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states 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.

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).

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 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
in accordance with the credit reporting act XXXX XXXX XXXX XXXX  Account Number XXXX has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 's 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 2023-03-04 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: IL

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

XXXX XXXX XXXX XXXXXXXX XXXX : # XXXX has violated my rights. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I was going through my credit report and notice some wrong information on all 3 credit reporting agencies ( XXXX, TRANS UNION, and XXXX ) that I am requesting that they are investigated and removed.

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 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I was going through my credit report and notice some wrong information on all 3 credit reporting agencies ( EXPERIAN, XXXX XXXX, and XXXX ) that I am requesting that they are investigated and removed.

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 2023-03-04 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: IL

Complaint narrative:
On XX/XX/XXXX I filed a complaint against a creditor on my credit report about last payments.It was reported I was late XXXX 2022 though XXXX 2022 of 60 to 30 days late. I disputed those late charges with proof of payment and those late payments was corrected except XXXX 2022. Again I'm sending proof of payment of XXXX, my payment is due XX/XX/XXXX I my payment XX/XX/XXXX according to my bank statement I attached as my proof. I was not 30 days late with my XXXX payment. Please delete late payment and update my report as payed as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XXXX XXXX, 2022, the fraud charge was {$26000.00} from my credit card. I've called several times to report and included a writing letter which I reported. I also filed a police report that my identity theft was stolen during that time.

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 2023-03-04 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: CA

Complaint narrative:
This is my written request to delete the fraudulent hard inquiries. I was looking through my credit report, and I noticed unauthorized inquiries. Someone was trying to get a loan on my name. The thing is I did not sign nor authorize any of the loans. 

The below is my sworn statement concerning these credit issues. 

It is my sworn statement that, 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 qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of 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. 

Since it violates my privacy rights, I am requesting you to remove the hard inquiries listed below from my credit report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Your immediate attention in this difficult situation will be appreciated.

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