vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Please note that XXXX credit bureau has deleted the disputed item. However, capital One has intentionally posted it again. I believe that capital One has posted this again on purpose to ruin my name. I have the original screenshots of the item being deleted by XXXX. But Capital One has intentionally posted the deleted item again. Please see attached screenshots of original deleted items from XXXX. 
Account name : CAPITAL ONE Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$2300.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Credit limit {$2000.00} Highest balance {$2300.00} Terms NA On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: PA

Complaint narrative:
This account is not mine I never opened nor did I allow anyone to open this account in my name, I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
As of XX/XX/XXXX I deposited my tax refund for {$3300.00}. I made {$800.00} worth of transactions from that date through XX/XX/XXXX. However, my account was held for {$1700.00}. This caused my account to be overdrawn which has stopped me from bill payments and managing a daily line for myself and my family. On XX/XX/XXXX my ending available balance was approximately {$130.00}. By XXXX of XXXX my balance was {$2800.00} so I paid {$2000.00} for my rent which brought my balance to approximately {$700.00}. By XXXX that same morning, my account was suddenly overdrawn by - {$260.00} and has continuously grown since then. My rental payment was not scheduled for autopay, nor do I have overdraft protection. So how is it that there is no trace of a {$2800.00} deposit, yet my transaction was still approved? I have called us bank customer service multiple times and was provided no resolution. I visited branch number XXXX and spoke with their manager XXXX XXXX and he agreed that money has been mysteriously moving throughout my account and that the numbers are not adding up. He contacted accounting and they say my- {$1700.00} hold was due to my rent payment. This is untrue because the hold was established on XX/XX/XXXX ... rent was XXXX... again, I did not have auto pay. I paid {$2600.00} via apple pay for a car and even after that transaction & various others, my balance was still positive. I have not heard from XXXX XXXX regarding this matter and have left 2 voice messages and called their branch well over 5 times. I am under the impression that US Bank has stolen my hard earned, tax-paying dollars and has now caused unimaginable suffering. I am seeking legal counsel regarding this mattera as well as filing complaints with against FDIC, my banks Primary Regulator, and CFPB. All I want is my funds returned & my account brought back to a positive standing.

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 2023-03-09 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: SC

Complaint narrative:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX : {$280.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$140.00} ; XXXX XXXX ( XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX XXXX XXXX$770.00} ; XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXXXXXX ( OriginalCreditoXXXX : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX FL XXXX XXXX ) XXXX XXXX XXXX {$440.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX {$300.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-03-09 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: SC

Complaint narrative:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$280.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$140.00} ; XXXX XXXX ( XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXXXXXX : {$770.00} ; XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX  OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; OXXXX XXXX XXXX ( Original Creditor : XXXX XXXX FL XXXX XXXX ) XXXX XXXX XXXX {$440.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/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 2023-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Law Office of Michael J. Scott, PC
State: SC

Complaint narrative:
I have sent letter to Scott & Associates PC requesting proof of my permissible purpose to have access to my credit reports & I requested the disclosures that would allow me to exercise my right to opt out from them or their client XXXX XXXX to sending any of my personal information to any 3rd parties including consumer reporting agencies. And at this point I haven't been gotten what i have requested and what legally entitled too. 

Per FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b Opt out 1 In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless A such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party B the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party and C the consumer is given an explanation of how the consumer can exercise that nondisclosure Option

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
A balance transfer check was issued from XXXX XXXX XXXX for my Home Depot Account in the amount of {$640.00}. The check was cashed on XX/XX/ according to XXXX ( see attached ). 
I have not received credit to my Home Depot account and several attempts were made to verify that the check was received and was not credited to my account. 
I have been paying interest on my home Depot account, as well as the balance tranfer from XXXX. 
I contacted Citibank and there are stating that there was no signature on the check and could not honor it. 
I hope for a quick resolution of the matter as it has been ongoing for more than a year. 
I find it egregious that a simple matter has resulted in lost of time and money and no apparent

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 2023-03-08 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: PA

Complaint narrative:
INACCURATE INFORMATION IN MY CREDIT REPORT. ACCOUNTS : XXXX XXXX XXXX XXXX  {$27000.00} XX/XX/XXXX. XXXX XXXX  {$110000.00} XX/XX/XXXX. XXXX XXXX  {$1500.00} XX/XX/XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
requested a Letter of Guarantee on XX/XX/XXXX. I was told it would be 3-5 business days. I called today and was told it would be another 3-5 business days. 
When this happened, I did research online and found that Ally has a history of not producing a letter of Guarantee when requested. I am currently in collections and am able to sell my vehicle, pay it off, keep it from being repo 'd and running my credit. 
I truly believe they are holding off trying to repo my truck and sell it for more than what we owe. This is also reported as an issue online.

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 2023-03-08 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: AR

Complaint narrative:
I am contacting beacuse I have found some information on my credit report which is fraudulent beacuse. Never had any attachments with the address listed below Remove personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft, and requesting that the items be removed Before the CONSUMER LAWS GET INVOLVED WHICH ITS ALREADY OVER 5 BUSINESS DAYS!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
They never send me any notification I think they don't have my address they have a Texas address. I never live in Texas, I call them when I found out in my credit report and they denied to take it off, they can not proof it is my debt because it is not. And they put it in credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was looking into starting a transport business and leasing on to someones authority and ran across a guy who said he could help me out. Called the fmsca to get details and help to point me into the right direction on how to do things the right way. I was told that it was between me and the business to make a agreement on how to lease on. The guy ( XXXX XXXX ) as known on XXXX said to send him a payment of XXXX for a deposit for insurance witch was made on XX/XX/XXXX and another XXXX on XX/XX/XXXX to get the XXXX relay permits for hauling for them. He said that XXXX XXXX would do fine with sending the payment. Turns out after I sent the second payment I happen to do a quick XXXX search of his name and all kinds of bad news pops up with him scamming everyone the same way. I quickly call chase and let them know what happened exactly how Im explaining it now and said I have all documentation to support this incident on XX/XX/XXXX. I was told my account would be credited in 12 hours. Yesterday XX/XX/XXXX I received an email saying they denied the dispute. I called chase today XX/XX/XXXX and was told their is nothing that can be done because peer to peer payments isnt covered by regulation E and it was law not just chase. When other people recently who got scammed by the same guy under posts said they got they money back via their bank. I never disputed anything and now that the one time I get scammed they tell me there is nothing they can do it about it. Ive banked with them for years. Im very upset. I also reached out to XXXX XXXX  because thats what chase told me to do and they arent giving any money back either and I do not expect because that money came directly from my account. Even spoke with a supervisor, same answer. This is why people dont trust banks. And to top that they didnt even dispute both payments only one for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: MARINER FINANCE, LLC
State: SC

Complaint narrative:
On XXXX, I mailed request to Mariner Finance, to send the disclosure pursuant to 6802 -see below : that was never given to me at no time from beginning too now. I want to opt out from them sharing my personal information to any 3rd parties, including consumer reporting agencies. And at this time i haven't heard from them. see the law below Per FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b Opt out 1 In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless A such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party B the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party and C the consumer is given an explanation of how the consumer can exercise that nondisclosure Option

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: OR

Complaint narrative:
XX/XX/ a check I write out for rent and mailed was stolen. I filed a claim that date and it has yet to be resolved. Each time I call I get a new resolution timeline and an update that continues to push out the decision date. This has taken way longer than they told me. I submitted all necessary documentation. US Bank has stated they are under staffed with check fraud cases at an all time high but I feel that isnt my fault. This is horrible to the consumer and this needs to be investigated. 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 2023-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
INACCURATE INFORMATION IN MY CREDIT REPORT. ACCOUNTS : XXXX XXXX XXXX XXXX  {$27000.00} XX/XX/XXXX. XXXXXXXX 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 2023-03-08 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: PA

Complaint narrative:
INACCURATE INFORMATION IN MY CREDIT REPORT. ACCOUNTS : 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 non-monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened a savings account with automatic withdrawal from my bank into this account for my grand daughter. After a few months I noticed that even though Capital one debited my account on the date ( XXXX of each month ), it took them 5-7 days on the average to deposit the money into the account and make available to make interest. Capital One is using this delay tactic to not pay interest on ligitimate deposits by making them unavailable. It shows in the account but not available, for which there is no reason except screwing customers out of paying interest. May not be much in one account but if you combine all the accounts, they are not paying interest on XXXX  if not XXXX  of dollars. I called the bank and spoke to a rep who told me that is normal operating procedure and then he gave me the good news that in my case it was actually only taking them 4 days most of the time to make the money available, which was not true. It has been taking a minimum of 5 days and maximum of 7 days. I transferred all the money back to my account and they said transaction will be completed on XXXX which has not happened yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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. The last of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ... XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX XXXXXXXX XXXX XXXX XXXX 

Account name : XXXX Account number # XXXX Account name : XXXX XXXXXXXX Account number # XXXX Account name : XXXX XXXX  Account number # XXXX Account name : XXXX Account number # XXXX Account name : XXXX XXXX XXXX XXXX  Account number # XXXX Account name : XXXX XXXX XXXX XXXX Account number # XXXX 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 1681 ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse 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 reporting agency if the person knows or has a reasonable cause too believe that the information is inaccurate.

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