vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX Has violated my right to privacy according to The Fair Credit Reporting Act under 15 USC-1681B Section 602A.XXXX XXXX XXXX has also violated my right under 15 USC-1681A Section 604A Section2 which also States a consumer reporting Agency can not furnish an account without my written instructions. This account is at a {$0.00} balance no further obligation on this account XXXX XXXX XXXX have not given a 1099-C form for filing as I am Required to file on tax forms in which would be counted as income. I have no other obligations to this account and is at a {$0.00} balance. This has been an embarrassment as well as a hinderance for my family and I moving forward in being Qualified for possible Mortgage lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX Has violated my right to privacy according to The Fair Credit Reporting Act under 15 USC-1681B Section 602A.XXXX XXXX XXXX  has also violated my right under 15 USC-1681A Section 604A Section2 which also States a consumer reporting Agency can not furnish an account without my written instructions. This account is at a {$0.00} balance no further obligation on this account XXXX XXXX XXXX have not given a 1099-C form for filing as I am Required to file on tax forms in which would be counted as income. I have no other obligations to this account and is at a {$0.00} balance. This has been an embarrassment as well as a hinderance for my family and I moving forward in being Qualified for possible Mortgage lenders.

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 2022-04-08 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
In XX/XX/XXXX I closed all my HSBC accounts ( i.e., Savings, Checking and Credit Card ). In order for me to close the accounts, the bank requires that all balances are 0, otherwise they wont close your account. I therefore paid my credit card balance with money from my savings account ; set the balances to 0 of all the accounts and closed each account thereafter. HSBC mailed me letterhead notifications communicating that my accounts have been closed. 

On XX/XX/XXXX, HSBC Collection team called me to say that my credit card had an overdue balance equivalent to the last statement balance that I had already paid. I requested them to mail me all my account statements ( for checking, savings and credit card ) for the past 3 months so I could verify the movements between my accounts. Given that my accounts were closed, I could not retrieve those online. 

On XX/XX/XXXX, I only received the Credit Card balance statement, so I was still unable to verify my account activity. I called again and requested for the statements for my Savings and checking as well. 

On XX/XX/XXXX I received again the credit card statements. I tried calling the bank, and the line goes silent. 

I explained several times to the Collection team that I want to check my accounts statements to verify the activity before my accounts were closed ; so I can verify that my XXXX payment did not go through. As of today, the bank failed to respond to that request, which already generated a monetary impact due to the late payment fees they continue to collect, but also to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AVANTE
State: AL

Complaint narrative:
Avante disclosed personal/specific alleged debt specifics to a third party at telephone number ( XXXX ) XXXX, which is not any point of contact for myself

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: CA

Complaint narrative:
I noticed on my Equifax report that a credit line of $ 30k does not belong to me. I do not have a credit line this large. I called Equifax and they said " it belongs to me ''. I don't have an account with XXXX XXXX. I went to a XXXX XXXX location in my area and explained the same thing to them. I got the same result. This is not my account as I don't have any credit line with XXXXXXXX XXXX or for this large of credit line. Everyone refuses to remove this fraudelent account off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I submitted a dispute on XX/XX/2022, through the Consumer Financial Protection Bureau ( CFPB ) case number XXXX regarding WELLS FARGO BANK N.A. , XXXX XXXX XXXX ). I disputed the account, by providing an FTC Statement listing the account in question as fraud. Wells Fargo sent me back a letter XXXX XXXX stating the account in question was indeed mines. They went on to submit an application that confirmed that I had indeed opened the account. The application that they submitted has an address that I am not familiar with and have never lived at ( XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ). I have attached the FTC Statement, my identification that verifies me, and the notice to furnishers Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 monetary relief
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Apparently I had a Pell Grant overpayment in the last semester. XXXX XXXX XXXX did not send any letters to my house whatsoever. All of a sudden, I received a letter from the Department of Education stating that I was defaulted on this over payment. Which Ive never heard of before at all. I tried calling the XXXX business office and the financial Aid office, all they told me was my account is not with XXXX anymore and I need to deal with Dept of ED. Even though I paid the overpayment as soon as I learned about its existence it still got on my credit report. Im asking XXXX to correct the error and remove it from my credit report! 

U S DEPT OF ED/XXXX XXXX US DEPT ED Account XXXX XXXX - XXXX Account Type Installment Account - Installment Account Account Condition Closed - Closed Date Opened XXXX XX/XX/XXXX - XXXX XX/XX/XXXX High Balance {$0.00} - $ 946 Monthly Payment {$0.00} - {$0.00} Account Balance {$0.00} - {$0.00} Last Reported XXXX XX/XX/XXXX - XXXX XX/XX/XXXX Amount Past Due - - - Limit {$0.00} - {$0.00} Remarks - - Responsibility Individual - Individual Past Due - 30 DAYS 0 - 0 Past Due - 60 DAYS 0 - 0 Past Due - 90+ DAYS 0 - 0 The table below represents 24 months of account repayment history

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Victim of identity theft some one is using my information to apply for cards. Please remove all the inquiries

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 2022-04-08 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all 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 non-monetary relief
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rock Creek Capital, LLC
State: LA

Complaint narrative:
Rock Creek Capital LLC has shown up in collections on my credit report. 

The collection is under the name XXXX XXXX. 

The company states I owe them {$11000.00} from XX/XX/2021, but this is completely FALSE! 

I dont owe this money, but they are now in the collections portion on all my credit reports. 

I want them deleted from my collections for posting a FALSE collection account with my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
Someone fraudulently opened a credit card in my name with Citizens One on XX/XX/XXXX using our rental property address in XXXX XXXX  and charged {$890.00} to the card ( Acct XXXX XXXX XXXX XXXX ). I found out on XX/XX/XXXX by looking through my credit report on XXXX. At that time, this was listed under closed account in my credit report, as the account was already closed in XX/XX/XXXX ( Charge off  ). I disputed this account with XXXX. After an investigation by XXXX, this account was taken out of my credit report on XX/XX/XXXX. In XX/XX/XXXX, I started getting collection notice from Citizens Bank. On XX/XX/XXXX, I called XXXX ( XXXX ) and spoke to XXXX XXXX. He was not very helpful at all. 

Citizens Bank 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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, Also, The banks agreed to remove the late payment. I had a family emergency & was out of the country. The banks said they'd give a one time goodwill removal for the issue since I've been such a good customer. The following accounts listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX XXXX XXXX XXXXA XXXX Date opened XX/XX/XXXX Balance {$1500.00} XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$730.00}

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, Also, The banks agreed to remove the late payment. I had a family emergency & was out of the country. The banks said they'd give a one time goodwill removal for the issue since I've been such a good customer. The following accounts listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX XXXX Date opened XX/XX/XXXX Balance {$730.00} XXXX XXXX XXXXA XXXX Date opened XX/XX/XXXX Balance {$1500.00}

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, Also, The banks agreed to remove the late payment. I had a family emergency & was out of the country. The banks said they'd give a one time goodwill removal for the issue since I've been such a good customer. The following accounts listed below are still reporting on my Credit Reports and need to corrected immediately : XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$730.00} XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I opened an account with Venmo and was adding funds through my XXXX  account to bet on XXXX. I won twice and was told I couldnt withdraw my winnings through XXXX but I could use my Venmo account. I withdraw all funds to go to that Venmo account which was XXXX. I attempted to bet again on XXXX which is supported by Venmo and they permanently suspended my account and kept my funds. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: CA

Complaint narrative:
I've complained about the " horrific '' customer service one gets at Capital One. We write and call the CFPB for help but you do nothing to help us against these entities. Capital One has this credit card to help re-build credit. I've been so good at making payments that they send Marketing messages, refer a customer and we'll award you with {$500.00} BUT, the customer service reps speak broken English, they're not trained to tackle financial problems and blame us if we get flustered with them. On XXXX, all of America states how bad the customer service is at Capital One. 

I started to receive notices that my card was overdrawn but when I checked my online account, I was under the limit. So, I complained and complained to the customer service team. They never corrected the problem. This made me irritated .... 

Now, they canceled one card last year after I reported them to the XXXX  and I did NOTHING wrong. Now, they canceled another card last month ( ending XXXX ) without even reaching out to get my side of the story? 

We have to endure TRAUMA from their customer service treatment but once we give it back to them or defend OURSELVES, they take our credit and cards away. 
I feel that I'm targeted and discriminated against so I want my card re-Instated ASAP. 
Also, they are not RECORDING THE PAYMENTS I've made on my credit report which is illegal. 

I paid {$200.00} in XXXX, {$200.00} in XXXX. 
I'm tripling my payments since my minimum is only {$59.00} a month. 
Please don't let Capital One get away with discriminating against me. They got away with it once but NOT again. 

The USA hates MY RACE so bad that they'll do anything to destroy us. They want us to be in poverty, please save me from a racist person who did this too me at Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: CarMax, Inc.
State: MI

Complaint narrative:
Victim of identity theft some one is using my information to apply for cards. Please remove all the inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Victim of identity theft some one is using my information to apply for cards. Please remove all the inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08 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: GA

Complaint narrative:
My issue is with Experian Credit Reporting agency mishandling my credit file in particular XXXX XXXX XXXX and XXXX XXXX.Both these accounts were removed back in XXXX and XXXX due to identity theft..However, both accounts were reinserted in XX/XX/XXXX without notification..The FCRA requires credit reporting agencies to notify consumers in writing 5 days prior to reinsertion of previously deleted accounts..I never recieve notification, which is a violation of federal law in regards to credit reporting..I have sent several certified letters to Experian with no response..There blatant disregard of the law undermines the integrity of the credit reporting system..Creditors rely on accurate and true information on a consumer file..The forementioned accounts were deleted several years ago due to fraud, I sent both credit reporting agency and creditors police report as well as identity theft report FTC..I also asked for documentation with my signature/ consent that I have done business with these companies..I never recieve such documentation from either Creditors not credit reporting agency Experian..

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 2022-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Please remove all the inquiries I have not applied for any new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Inquiries : Transunion 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 I notice unauthorized inquiries reporting, I have called both creditor and credit bureau and have sent certified mail documents. 
XX/XX/XXXX - XX/XX/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 explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: OR

Complaint narrative:
I've attached a photo of a stolen card issued by Square/Cash App that my friend living in XXXX has found on a Telegram channel ( or similar - forgot if he specified ), and asked if I could report it to Square given that a random person 's payment card information is now on the Internet randomly. 

Square responded first sounding very confused, asking who's card it is and what country I'm in. They eventually told me they don't have a system to resolve this ... ( also, they assumed the cardholder 's name is my name ) The email conversation is attached.

Company response to consumer: Closed with explanation