vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-11 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: MO

Complaint narrative:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b : 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  XX/XX/XXXX. You have noe sent me any document supporting your claims that the disputed items belong to me. The disputed items shold have been removed if you are unable to prove that the disputed items are mine. Kindly comply with the Federal law and have the disputed items removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: MI

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2023-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been a Card member with Capital One since XX/XX/XXXX. I first started with a secured credit card. I had an excellent payment history with them, so they gave me back my security deposit and then increased my credit card limit. XXXX year later, they offered me pre-approval for a second Capital One credit card because of my reasonable payment history and never being late with an average XXXX balance. I applied and was approved instantly. In XX/XX/XXXX, I bought a small business in another state and a month later used it for a Capital One Business Credit Card ; it was approved, but XXXX days after the security department contacted me, I was at work, so I called them back. A gentleman asked me many security questions and asked if I had opened a new business credit card. 
I said yes, then he gave me a list of things I needed to upload from a link he would email me. I did what this capital one bank security staff told me to do. A week later, he called me back, saying thanks for sending all my documents, but he said I would need to send XXXX more months of banks of bank statements. Still, everything else looks good my driving license, Social Security card and W-2 form, and the article corporation from my new business. In XXXX conversations with Capital One, the staff asked what was on my driver 's license. I said XXXX questioned my business address. Its a paid business box ; then she had questions about my balance, and with a smile, you opened a new business. I dont see guys like yourself or age buying a business in another state. I was informed capital one Bank would be closing all three of my bank accounts. All three had XXXX balance. I was a good customer for XXXX years, and they closed my accounts and sent me a letter has nothing to do with my activity because my account was used and always paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: Checkr, Inc
State: GA

Complaint narrative:
Back in XXXX of XXXX, I was sent a message that I am not qualified to drive a car on any rideshare platform. I reached out to the entity/agents and let them know that unless I provided express written consent they were not allowed by law to access my private data stored in the Department of XXXX XXXX XXXX Furthermore, I was never convicted of any crimes so any information they are reporting is false and misleading without any firsthand knowledge of any crimes. This entity has accessed the driver record without filling out the XXXX form that is required to access driver records in Georgia. Additionally, it is a crime to pursuant to the National Driver Records regulation to access records without the express written consent of the person. This entity is restricting my trade pursuant to 15 USC 1, 15 USC 2, and 18 USC 1951. Also they are in violation of using my tradename for pecuniary purposes without compensation, and under the official code of Georgia they are in violation of 16-9-93.1 These foreign Corporations are in violation of 15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information. ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. Traffic infractions are not a crime : California Court of Appeals ruling, People vs. Battle. The ruling establishes that a traffic infraction is not a crime. This is clearly identity theft and I will be reporting this to the IRS for usury. I am not XXXX XXXX XXXX employee. Hobbs Act Violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: IL

Complaint narrative:
This is on going with the identity theft I've had going on.my XXXX unemployment goes into us bank XXXX account on Sunday the XXXX of XXXX person or group tried to take money out on that account.the bank was able to stop this XXXX but XXXX XXXX still neg over XXXX .the name of violators was XXXX XXXX XXXX  so the fraud person at the bank and I decided to close that card down and reissue another one.my phone has been hacked .this is XXXX  me so bad I don't know what to do XXXX about to get water and power turned off XXXX XXXX mo behind on my rent .theirs no help for me XXXX trying so hard .I may get edited they have hit XXXX bank accounts to difrent state unemployment agencies. My taxes are being held up from XXXX their any help for me.i was apart of XXXX  data breach but I can't find any help.if anyone knows how we could get a grant to have resources and advocate for victims. I think we should fight to get this out because I'm XXXX  and theirs no help ..this should be covered under health insurance as prevention of mental health because its a real thing.anyone that would help myself and millions of XXXX need help

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 2023-01-11 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: OH

Complaint narrative:
XX/XX/2022 I went to my courthouse to ask if they report bankruptcies to the credit bureaus. They gave me a letter stating They do not report any bankruptcies to anyone. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to 15 USC 1681.

The credit bureaus violated my given rights under 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

According to : 15 U.S.C 1681 section 602 A ( 4 ). I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A ( 2 ) : A consumer reporting agency can not furnish an account without my written instructions.

According to : 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 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 2023-01-11 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: OH

Complaint narrative:
XX/XX/2022 I went to my courthouse to ask if they report bankruptcies to the credit bureaus. They gave me a letter stating They do not report any bankruptcies to anyone. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to 15 USC 1681.

The credit bureaus violated my given rights under 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consum
ers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

According to : 15 U.S.C 1681 section 602 A ( 4 ). I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A ( 2 ) : A consumer reporting agency can not furnish an account without my written instructions.

According to : 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 2023-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
I have requested a copy of my auto loan note/agreement from Santander in excess of 5 times and they will not send it to me. I have also requested my formal auto loan statements for each month since originating my loan in 2013 and they have failed to provide them in violation of FDCPA and have failed to provide debt validation notices. Their accounting of my loan is illegal, they do not apply payments according to amortization on a fixed rate closed end term loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian is violating my rights and will not process my dispute. Experian is willfully negligent. They emailed me to tell me that will not process my dispute. All identification was sent properly. These erroneous items are defaming my character and hinder my family

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 2023-01-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

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 XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXXXXXX / XXXX # XXXX Account name : XXXX XXXX XXXX / XXXX # XXXX Account name : XXXX XXXX  XXXX / XXXX # XXXX Account name : XXXX XXXX XXXXXXXX / XXXX # XXXX Account name : XXXX XXXX XXXX / XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXX  / XXXX # XXXX Account name : XXXX XXXX XXXX / XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX 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 2023-01-11 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: FL

Complaint narrative:
I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11 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 value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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 2023-01-11 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: WA

Complaint narrative:
To whom it XXXX concern, In XXXX of 2021 I received news from Credit Karma that I had a new credit card in the name of XXXX XXXX XXXX XXXX from XXXX XXXX Bank USA. I knew at once I was a victim of identity theft because I do not have a XXXX in my name and I never applied for a Credit Card from XXXX XXXX Bank USA. I contact my local law enforcement and filed a police report with XXXX Police Department in that year as well summited a report to the XXXX XXXX XXXX. I then contact XXXX XXXXXXXX XXXX USA and informed them that this card was fraudulently open and I was a victim of identity theft. 

I was able to get all statements from XXXX XXXXXXXX XXXX USA and found out that the application was made online, the application statements were written in Spanish and many purchases were made at local XXXX in the XXXX area XXXX The credit card was sent to my old current address in XXXX where I used to live in the years of XXXX. The card was opened in the year of 2021 and I was not living in XXXX at that time the card was opened. I was never in physical possession of the card and never received any statements until I knew I was a victim. I went to the XXXX were XXXX of these purchased were made to try to get surveillance tapes. I was told by the manager to contact the police for them to try to get the records for me. The Police filed a report yet still never received any news if this matter was looked into. The XXXX XXXX informed me, We dont have the man power to look into this at this time. 

I have also contacted all Credit Bureau of this identify theft and my name is still showing up as XXXX XXXX XXXX XXXX. They have failed to do their jobs at protecting my identify of this matter when documents were sent to them on this matter. 

Last year I was served from XXXX XXXX XXXX XXXX in XXXX, WA sent me a letter telling me that they were taking me to court if I did not pay off the charge of the card. I went to court to submit my letter to the courts as well as sent my letter to them. I have still not heard from XXXX XXXX XXXX about if they are still taking me to court. 

So here I am waiting for someone to do their jobs

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Citizens Bank credit card is not calculating interest correctly, or even according to their stated terms. After receiving my XXXX statement, on or about XX/XX/XXXX, I called them for an explanation of how they calculated interest, since I believed it to be incorrect. I was forwarded to a manager, who explained that payments get credited in the following order : 1. minimum payment 2. any fees 3. purchases made in prior billing cycle 4. existing balances in order of highest interest rate to lowest Furthermore, the manager even TOLD ME that to avoid any interest charge in the next statement, I must make a payment of at least {$480.00} something. I therefore made a payment of {$480.00}, which you can see on my XX/XX/XXXX statement. Nonetheless, they STILL charged me interest on that statement, contrary to the manager 's verbal assurance to the contrary. 

Since then, I have made sure to make a payment that covered ALL of the minimum payment + any fees + all purchases made in that billing cycle. Despite this, Citizens Bank keeps increasing the interest charged on each statement. For example, on my most recent XX/XX/XXXX statement, they charged {$27.00} on a XXXX purchase balance. Yet I only made XXXX in purchases the prior billing cycle, and made a payment of {$970.00} to cover those fully, along with the minimum payment of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: NJ

Complaint narrative:
When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX JXXXX XXXX XXXX XXXX XXXXXXXX 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