vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
There is an account on my credit profile from CAPITAL ONE BANK with the account number XXXX. I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my XXXX XXXX XXXX per 15 U.S code 6802. For example, my name, social security number, and date of birth. Only a signed contract between I, the consumer and CAPITAL ONE BANK would make me legally bonded to any debt that they may claim. I have never provided any wet signature or XXXX XXXX XXXX to this company on any agreement. 
Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( 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.

I have not received any debt validation notice from CAPITAL ONE BANK as they were lawfully required to provide to I, the consumer per FDCPA laws. Therefore, I was not rightfully able to dispute this account before they unlawfully caused harm to my consumer report. This is a request for proof of delivery/receipt that CAPITAL ONE BANK has sent a debt Validation Notice to I, the consumer. Written and verbal communication directed via FDCPA was not provided to I, the consumer ; allowing me to properly dispute this invalidated debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account status : Closed, Account Name : XXXX XXXX XXXX, Account status : Closed, Account Number XXXX 15 U.S.C. 1681section 602 A. States that I have 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 a 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 2023-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HW Holding, Inc
State: CA

Complaint narrative:
They are attemoting to collect a very old debt which is past their statue of limitation nd have threaten lawsuit one me. I have ask them to send me their verification of debt in XXXX of XXXX with their ownership of the debt. Which they only emailed the the verification on XX/XX/XXXX. The information was completely wrong and I do not owe that. The date says XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: IL

Complaint narrative:
I am filing this complaint due to the fact that I have been a victim of fraud and identity theft. I just discovered going on to my credit reports and really looking at what credit means, figuring out that someone had my information. On my credit report there is 2 hard inquires that I never authorized or had knowledge of. The 2 hard inquires are XXXX and XXXX XXXX. I knew that I never gave these creditors my information so I went ahead and disputed them off all 3 of my credit bureaus. Only one credit bureaus have been successful. Now that I have been struggling to get these off my report I contacted the original creditors stating the same thing and they validated that these were not mine and stated that they would contact all three bureaus stating these were identity theft, fraud, and to have them removed immediately. Now here I am still contacting the bureaus wondering as to why these inquires are still on there. I am filing this asking what TransUnion stated I needed after all these steps. I need a identity theft report sent to them and XXXX credit bureau about the XXXX XXXX inquiry. I need 2 identity theft reports. One for XXXX and one for Transunion. Please and thank you. I attached both credit reports.

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 2023-03-06 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: VA

Complaint narrative:
In accordance to the fair credit reporting act acts by experian is violating my rights. Under 15 USC 1681 section 602 states I have a right to privatcy. 15 USC 1681 section 604 A section 2 states the consumer reporting agency can not furnish an account without my written consent or instructions. 15 USC 1666 B states a creditor can not treat a payment on an open mortgage or credit account under an open consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX Reporting Lates : XX/XX/2022 XX/XX/20XXXX 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 2023-03-06 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: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
My name is XXXX XXXX, I am writing this complaint because of my Navy Federal credit card termination. I have been banking with Navy federal since XXXX and Ive had credit cards with them since XXXX. However, I recently found out my {$25000.00} XXXX credit card with Navy federal was closed with a {$69.00} balance on it. Ive had that XXXX credit card since XXXX of XXXX, so 4 years now. In those 4 years I have never missed a payment on that card or any other Navy federal cards. I was not aware they would be closing the card as I was completely caught off guard. I have worked 6 years to get to that $ XXXX limit and for it to be taken away when it has a balance of {$69.00} was even more shocking to me. All of my accounts with them are in good standings. I worked very hard to achieve that high of a limit & it gets taken away like that is devastating to my credit report & my current and future finances. Having a {$25000.00} limit and only a {$69.00} balance shows I can handle a high limit like that. I pride myself on always being able to make my payments on time & keeping a great relationship with any institution I bank with. Ultimately, I hope I can get this resolved and I can get my card reinstated because I know it will be mutually beneficial for me & Navy Federal. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: PA

Complaint narrative:
Dear All, I'm writing this complaint concering the three credid bureaus because i believe that they dont use correct criteria or use information in a wrong way to calculate one 's credit score. 
In my case, I recently found out that my score dropped down XXXX to XXXX without any obvious reason. Indeed, looking at what has changed, I saw the following report : 1. Balance increased in one account by {$520.00}. This card statement balance is paid automatically every month. All my cards are paid automatically, every month. 
XXXX. Balance decreased by {$53.00} XXXX XXXX  XXXX XXXX ) Balance decreased by {$14000.00}. I paid off my auto loan ( XXXX XXXX ). 
Balance decreased by {$100.00} ( XXXX XXXX XXXX ) XXXX. XXXX XXXX Account was closed. The only I know is that paid off my loan. I was not asked wheher to keep or not this account. 
After this, I'm trying to figure out what is wrong with my account and wonder why?!!! 
Am I punished because I have all my payments made on-time 100 %? 
Am I punished because I paid off my auto loan? 
Am I punished because I keep all credit usage below 8 %? 
Please, I would appreciate if the three bureaus investigate this issue and restore my credit score, which I believe it should be around XXXX. 

Thank you very much for your consideration. 
Kind Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
We booked a room at a hotel in XXXX for a week, using our American Express card. Upon arrival to the room, the heater was broken and it was 11 degrees outside. The next day the hotel maid stole a pair of diamond earrings from the bathroom counter of our room. We called police and vacated the room immediately. The hotel manager charged us for the full week although we stayed two days. 
We filed a dispute with American Express under the terms of our card holder agreement. This agreement has numerous rules violated by the hotel. It also clearly states the card can not be used for illegally activity. The hotel was given 20 days to respond which they did not comply with. The consumer protection laws of XXXX make it illegal to rent rooms without heat. 
Initially, American Express sided with us and gave full credit for the charge of {$1800.00} from XXXX They later reversed this decision and recharged our account. We believe American Express compared the amount of annual business we do, vs the annual business the hotel does and violated agreement terms in favor of XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-06 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: CORELOGIC INC
State: TX

Complaint narrative:
I was checking on my credit report when I found out that there are so many incorrect information, and unverifiable information being reported in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am a XXXX XXXX  and a veteran.I have had XXXX twice. I was doing just fine paying my monthly payment until the property taxes went up considerably and virtually doubled the payment. Of course I was ill at the time.I contacted Wells Fargo and they suggested that I take advantage of their program to defer payments until I felt well enough to resume as normal. I could have up to one year of deferment. They assured me that this would not affect my credit, would not be reported to the credit agencies, would not be reported to the V.A. and the deferred payments would be tacked on to the end of the loan. they straight out lied to me. This was immediately reported to all three credit bureaus, also the V.A. I paid what I had in savings ( {$4000.00} ) so Wells Fargo would not foreclose and I am now getting notices to pay them {$12000.00} more to bring my account up to date. They have repeatedly asked me for the same documentation over and over and passed this account around to several different representatives within their organization. I'm continuing to make my normal monthly payments of {$1700.00} which they are accepting but they are threatening me with foreclosure through the U.S. Postal service and almost daily phone calls. I never know who I'm going to be talking to and continually have to go through the whole story over and over with each new person. I have repeatedly sent them everything they have asked for. This has been on going for two years.

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 2023-03-06 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: MA

Complaint narrative:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit XXXX XXXX Experian and/or XXXX ) credit report. My latest credit report shows credit inquiry/inquiries that I did not authorize. 

Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX Account name XXXXXXXX XXXX  XXXX Date of request ( s ) XX/XX/XXXX Account name XXXXXXXX XXXX XXXX  Date of request ( s ) XX/XX/XXXX Show more Account name XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX XXXX XXXX  Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX XX/XX/XXXX Account name XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX  Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX Date of request ( s ) XX/XX/XXXX Account name XXXX Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX  Date of request ( s ) XX/XX/XXXX XX/XX/XXXX Account name XXXXXXXX XXXX Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX Date of request ( s ) XX/XX/XXXX Account name XXXX  Date of request ( s ) XX/XX/XXXX Account name XXXX & XXXX Date of request ( s ) XX/XX/XXXX Account name XXXXXXXX XXXX Date of request ( s ) XX/XX/XXXX Show more Account name XXXX XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX XXXX XXXX  Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX XXXX  Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX Date of request ( s ) 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 explanation
Consumer complaint received 2023-03-06 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: Sezzle Inc.
State: LA

Complaint narrative:
XX/XX/2023, reacged over to customer service by email, phone, and letter, account reported late payments, payments were made on time for month of XXXX, account still showing balance of {$300.00}, account paid in full. Nothing has not been resolved. Unable to get to a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: IL

Complaint narrative:
A collection agency is trying to collect for a payment that was tendered by the original creditor. I.C. Systems Inc. sent a letter for collections in the amount of XXXX ; however, said amount was tendered by the original creditor against my check # XXXX. 

Can you ( CFPB ) please investigate this company? Or do I need the IL OAG to perform that action? 

This is an escalation of XXXX # XXXX. 

Business Information Business Name : IC System, Inc. 
Address : XXXX XXXX, MN XXXX Phone : ( 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 2023-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
They said it was fixed and they would issues a new card with the correct amount and it never happened. I called and they informed me it was in collection they took one off the got it reporting two of the same cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
They said it was fixed and they would issues a new card with the correct amount and it never happened. I called and they informed me it was in collection they took one off the got it reporting two of the same cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Unable to get free annual credit report via annualcreditreport.com website. 

Attempted to get XXXX report online via the above-mentioned website, as required per Federal regulations. 

Received an error and was referred to XXXX via annualcreditrepot.com. XXXXXXXX referred me back to annualcreditreport. Annualcreditreport has no XXXX  mechanism to contact customer service and report a problem.

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 2023-03-06 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: MA

Complaint narrative:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXXXXXX XXXX XXXX and/or TransUnion ) credit report. My latest credit report shows credit inquiry/inquiries that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation