vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I XXXX XXXX in sound mind am filing this complaint against Capital One. Capital One has Violated my Federally Protected rights under 15 USC 1692. In XX/XX/21 I received 3 deceptive forms for 3 different accounts stating I ALLEGEDLY owed on these accounts. Pursuant to 15 USC 1692c. ( c ), I notified Capital One in writing that I refuse to pay this alleged debt, and I am demanding that they cease all forms of communication with me through any and all mediums. I am invoking my specified remedy as a consumer, and THE ORIGINAL CREDITOR, I am Demanding all of the following. XXXX  out the balances on ALL accounts I have with Capital One, Pay the attached invoice and compensate me for every violation labeled in the attached exhibits, and finally deletion from all Consumer Reports. Fact, The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it. Fact, affiant is aware and has proof in the attachments labeled as Exhibit A Exhibit B Exhibit C Exhibit D Exhibit E, that Capital One is in violation of 15 USC 1692b ( 5 ). Fact, affiant is aware and has proof in the attachments labeled as Exhibit A Exhibit B Exhibit C, that Capital One is in violation of 15 USC 1692b ( 2 ). Attached is an invoice for {$8000.00} for the Violation of 8 Federally Protected Consumer Rights Violations under 15 USC 1692. I have sent my Affidavit of Truth, Debt Violation, Exhibits, Cease and Desist, and Invoice to Capital One. I have these documents attached to this complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Best Buy in XXXX XXXX, Ohio pulled my credit without my consent which resulted in an unwanted inquiry reported to the bureaus. During the purchase of a TV, the associate asked if I had a rewards card. She requested my phone number to search for it. She then told me that I needed a new card because the previous reward card had been closed. I told her that doesn't sound correct because I've never heard of a customer reward card being closed. She then stated she would get a new one. Shortly she said it was denied. I was shocked because it was clear that she ran my credit ( which was frozen due to a mortgage refinance ) and was misleading and she knew exactly what she was doing. I complained to the manager of the store who told me it was my fault. This store must commonly do this to seniors/veterans/ and people of color. I then went to pick up my new laptop and was told to wait because the clerk in the back was working on something more important. 

I've since returned the TV, but want that inquiry removed from my credit reports. This seems to be an unlawful act.

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 2021-10-08 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: WI

Complaint narrative:
My credit was ran without my knowledge or consent.

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 2021-10-08 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: WI

Complaint narrative:
My credit was ran without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: TOYOTA MOTOR CREDIT CORPORATION
State: WI

Complaint narrative:
My credit was run without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: GA

Complaint narrative:
In XX/XX/2020 an derogatory account was reported for the amount of {$21.00}. I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) ( A ). I am in desperate need of this account being 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 explanation
Consumer complaint received 2021-10-08 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: WY

Complaint narrative:
please see the inquire ( s ) below and remove or block the inquires listed below. these are unauthorized and should be removed or block. 

1.The XXXX XXXX  XXXX XXXX XX/XX/ 2XXXX XXXX XXXXXXXX Inquiry XXXX XX/XX/ 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 2021-10-08 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: WY

Complaint narrative:
Please remove inquire ( S ) below, as I didn't give any companies access to my report ; please block or remove these listed below 1.XXXX XXXX, XXXX XXXX 2.XXXX XXXX, XXXX XXXX XXXX XXXX 3.XXXX  XXXX XXXX XXXX XXXX XXXX 4.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 5.XXXX  XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: WI

Complaint narrative:
My credit was ran without my knowledge or consent.

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 2021-10-08 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:
My Good Standing credit card account ending in XXXX has yet to reflect as reinserted with the Equifax Credit Reporting Agency ( CRA ). The Equifax company is intentionally leaving out a good standing account. In a previous response from XXXX XXXX, dated XX/XX/2021 they stated a request was submitted to the Equifax CRA to reinsert this account on XX/XX/2021. I have enclosed a copy of XXXX XXXX 's previous response. The request to Equifax asked them to reinsert the tradeline for account account ending in XXXX. The confirmation number for this request is XXXX. This tradeline continues to be missing from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEAD MERCANTILE CO., INC.
State: MS

Complaint narrative:
on XX/XX/2021, I sent some letters to s.o.s group dba head mercantile co about some alleged debts of XXXX, and XXXX that I don't owe. i request the validity of the alleged debts and as of XX/XX/2021, they haven't responded to my request. SOS GROUP sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter on XX/XX/2021 requesting the validity of the alleged debts of XXXX, and XXXX they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, SOS GROUP has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, but they also failed to send it within 5 days. As you can see the date was XXXX and today is XXXX.attached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: WI

Complaint narrative:
My credit was run without my knowledge or consent.

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 2021-10-08 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: WI

Complaint narrative:
My credit was run without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
My credit was ran without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am filing this complaint against Ocwen/PHH/XXXX XXXX . I have a shared appreciation modification loan number ( on next page ) in which my second deed of trust 's debt was rolled into the modification. If I completed on time payment for three years, the total outstanding back debt would be forgivien. I have completed the three years, and the debt was forgiven. I have an offer for my home, and I am in a contract. Now that I am trying to close my house, OCWEN/PHH/XXXX XXXX is attempting to awaken a debt included in the back monies owed ; I am requesting that PHH/OCWEN/XXXX XXXX  either assign my second to my first or processes a lien release at the XXXX County Recorder 's Office. I also request that they give me an itemization of the back debt to include the second deed of trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: FL

Complaint narrative:
XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX Potentially negative Date openedXXXX Balance- StatusPaid in settlement. {$570.00} written off. 
XXXX XXXX XXXX XXXX XXXX Potentially negative Date openedXXXX Balance- StatusPaid, Closed. 


XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
My credit was ran without my knowledge or consent

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 2021-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Deposited a regular paycheck, that has NEVER bounced, on XX/XX/XXXX and Wells Fargo put a hold on funds until XX/XX/2021. Since then, they have rejected regular payments twice and charged a {$35.00} fee each time. I have called in twice to request funds be released and they say that criteria has not been met. They did say I would be reimbursed for all the {$35.00} fees charged from XX/XX/XXXX - XXXX ... in the meantime, my creditors have dinged my payment history.

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 2021-10-08 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: CA

Complaint narrative:
Hello Ive been a victim of fraud and I would like for these hard inquiries off of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: CA

Complaint narrative:
While XXXX and XXXX have properly fixed this issue, Experian has committed numerous FCRA violations starting with not even ACKNOWLEDGING the certified mailing disputes.

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 2021-10-08 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: GA

Complaint narrative:
In XX/XX/2020 an derogatory account was reported for the amount of {$12000.00}. I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) ( A ) .I am in desperate need of this account being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: TX

Complaint narrative:
This is my second attempt at getting fraudulent inquiries removed from this credit bureau. I have attached all necessary documentation required under the Fair Credit Reporting Act. I am unable to procure needed financing as a result of these inquiries that I did not authorize. Someone used my information. I do not know why this credit bureau is refusing to review these and remove them from my credit report. I will be seeking counsel if this matter is not resolved at this attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Northstar Location Services, LLC
State: TX

Complaint narrative:
XXXX  XXXX XXXX is a debt collector in pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. XXXX  XXXX XXXX has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX  XXXX XXXX has disabled accesses to my account but has no authority to authorize use of my credit card or any account associated with my open end consumer credit plan. 15 U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: WI

Complaint narrative:
My credit was ran without my knowledge or consent

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 2021-10-08 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: WI

Complaint narrative:
My credit was ran without my knowledge or consent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The account BANK OF AMERICA opened last XX/XX/2011 is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 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 2021-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have been a Suntrust customer for over 15 years. I have over {$140000.00} in my checking and savings accounts. I have never had a returned check or and overdraft item. My credit is perfect with a score of XXXX. I rarely use the branch for any transactions I use direct deposit and online banking. I just received a letter informing me that Suntrust is closing my accounts. There is no reason for this action in the letter. I called Suntrust and they would not tell me why they are closing my account.

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