vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
A Mastercard with Bank of AmericaXXXX XXXX was opened in my name on XX/XX/22. I did not apply for this card. In addition, the card was sent to a prior address from 3 years ago ; however, it was forwarded to my current address. 

I called Bank of America and they have closed the account. No charges were made to the card. They have also put my name and address under their " security alert '' so that no further cards and/or accounts can be opened in my name. 

I currently have a credit freeze with XXXX, but did not have one with XXXX or XXXX. Bank of America utilized XXXX to check my credit, which allowed the card to be approved. Although an incorrect ( old ) address was used, which I feel with better investigating during the application process, this situation would have been averted. I now have a credit freeze with all three credit reporting agencies.

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 2022-04-27 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: AL

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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 — Other problem getting your report or credit score
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: CO

Complaint narrative:
NCTUE sent me a scammy letter claiming their proprietary credit report contains negative information. The agency has a terrible website and is completely unusable for finding the negative information. Calling the number results in an automated system asking for PII with no assurances of data handling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CATHAY BANK
State: CA

Complaint narrative:
I had the misfortune of having my account transferred without my consent to Cathay On XX/XX/XXXX, whose negligence is truly relentless. They sent me an ATM card instead of a debit card, which for no reason would not link to my account and could not be activated, but they were so negligent they didnt even realize what the error was. I wasted entire days trying to activate the card, and dealing with their customer service ; not only did they send the entirely wrong card, their system and agents had no idea it was the wrong card, what was happening and why, and I could not tell why it was not being registered. It was impossible to reach anyone at Cathay for hours on end because of their utterly faulty system ; when you did, they had no idea what they were talking about, and would only transfer you to a local branch. As I stated to them multiple times, I would be away the rest of XXXX ; even after it knew of its errors, the bank did nothing at all to expedite a replacement card, so I received a useless pin before I left and no card, still had no access to my account after a month, and had to make repeated last minute alternate arrangements to get money for my trips. I did not have any ATM access for almost two months because of their negligence. I can fully document all the calls I made, being on hold for hour after hour, day after day, my travel, my damages, and dozens of separate instances of Cathays negligence. It would take me three pages to outline it all, and the bank already knows of it and could not care less. This is an open and shut case of repeated gross negligence compounded endlessly by the banks transferring to me to local agents instead of anyone who could address the matter, and complete refusal to accept any responsibility for its negligence. Then, months later, I tried to find out if I need to set up a travel alert to use my AT card and what the fees would be, because, unlike any competent bank, that information is not available anywhere I looked on their website. I emailed their message system multiple times over 8 days without reply, and emailed XXXX XXXX, an alleged VP twice, and his response, without bothering to answer the question, was that he was forwarding my complaint to the legal department. I can not tell the incompetence from the animus and recalcitrance. Its astonishing they have a license to operate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have informed the three credit bureaus that I have inquiries that were not permitted by myself. I have filed a fraud report with the FTC ( Report # XXXX ). There are not willing to remove the inquiries from my report and in my opinion are stalling in resolving this issue.

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 2022-04-27 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: CA

Complaint narrative:
I have informed the three credit bureaus that I have inquiries that were not permitted by myself. I have filed a fraud report with the FTC ( Report # XXXX ). There are not willing to remove the inquiries from my report and in my opinion are stalling in resolving this issue.

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 2022-04-27 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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

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 2022-04-27 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting ActXXXX XXXX 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 an account without my written instructions

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 2022-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I took out a " credit builder '' loan in order to build my credit, as a company advertising a product intended to repair credit, I'd have expected them to be more willing to understand the situation I ran into where I was unable to make payments at the time and work with me on a repayment plan while not completely destroying my credit. 

But instead, they treated this as a standard loan and destroyed my credit by reporting missed payments and not making a meaningful attempt to contact me and work out an arrangement until I could get on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One is reporting inaccurate information on my behalf to the consumer reporting agencies. I attempted to resolve this issue with the company via mail, and they sent a " stalling '' tactic correspondence letter claiming they can not " research '' my request by requesting information already provided in the original letters. 

Your company is in direct violation of the law by reporting/furnishing inaccurate information to the consumer reporting agencies on my behalf. Pursuant to 15 USC 1666b ( a ) in which a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. In addition to this, pursuant to 15 USC 1681a ( 2 ) ( i ) you are to EXCLUDE report containing information solely as to transactions or experiences between the consumer and the person making the report. By furnishing these deceptive forms of " late payments '' this is considered a billing error pursuant to 1666 ( b ). 


Capital One account : XXXX Case Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: FL

Complaint narrative:
The Credit Bureaus stated the below accounts were properly investigated from letters sent certified mail on XX/XX/2022 but how is that possible if the open dates are inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate. This is grounds for immediate removal of all accounts. They also violated my rights under 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I have not given these accounts written permission to furnish these accounts on my credit report. 

XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX  Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX  Acct # XXXX, has violated my rights XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX  Acct XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX  Acct # XXXX, has violated my rights XXXXXXXX XXXX  XXXX Acct # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

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 the records of convictions of crimes which antedates the report by more than 7 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 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 2022-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
My wallet was stolen in XXXX. I believe it was the caretaker. Citibank claims that my caretaker was an authorized user on my credit card. I sent them paper work stating that he was removed. The caretaker got a cash advance deposited in his account. I recived a text message from citibank and immediately stated it was fraud. They stated they would stop the transaction but did not. This happened in XX/XX/XXXX. The caretaker left in XX/XX/XXXX. I called and made a police report. Due to my state of mind at the time, I did not respond to the police to my best ability. The credit card company sent this case to a collection agency. I have not seen the caretaker and I a fearful of his actions now. I thought he could be trusted because of his position as a XXXX police Officer but I was wrong. When I call the police, they would tell me its a civil matter. He just recently is using my address to get mail in which I informed the post office that he does not live here. I believe this is financial abuse..

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 2022-04-27 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX 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 an account without my written instructions

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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: NJ

Complaint narrative:
Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question XXXX XXXX XXXX  XXXX $ XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: NJ

Complaint narrative:
Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question XXXX XXXX XXXX XXXX $ XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.

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 2022-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged debt ( collection ) from XXXX XXXX XXXX that had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on XXXX and TransUnion. I sent a debt validation letter to the creditor requesting validation of the alleged debt through demanding a request for accounting, in accordance with the Uniform Commercial Code, UCC Article 9-210. They failed to provide me this, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED as the law says ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX and TransUnion is participating in fraud with XXXX XXXX XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on 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 non-monetary relief
Consumer complaint received 2022-04-27 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: TX

Complaint narrative:
On XX/XX/2022, Capital One Auto Finance reported a hard inquiry on my credit profile with the 3 credit reporting agencies : XXXX, XXXX, and XXXX, without my written authorization.

Company response to consumer: Closed with explanation