vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-03 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: TX

Complaint narrative:
I am a victim of Identity theft. Criminals had all my personal info. through XXXX data breach and on XX/XX/XXXX Criminals swapped my cell phone number to their devices and start frauds under my name. Capital One credit card was opened XXXX XXXX, XXXX under my info. and I called Capital one on XXXX XXXX when I realized the situation after I had my police report on XX/XX/XXXX. The capital one agents told me nothing to worry since they already cancel the fraudulent card. And I confirmed with them repeatedly anyway, every time they assure me that the card has been cancelled and I have nothing to worry. 

After 1 month or so, I noticed there was a significant balance on my credit report with a capital one credit card. And I start disputing with capital one. I submitted documents and police reports to different supervisors since I have to call them over XXXX times about the issue, and every time the different supervisors gave me different requirements. I tried my best to follow and wish they will take care of this issue carefully since I am the victim and it is so obvious. All my other financial frauds with other banks/credit cards have been solved without any problem. But, capital one insist I should responsible for the fraud and won't tell me the reason. It has been a very unpleasant experience with capital one. It is the first credit card issuer I called to warn the identity stolen and I was assured by their agents, but it turned out capital one never take care of it and put all the responsibility on the victim without any reason. 

CFPB is the last step I can take to protect my rights, I am the victim and I believe there is justice, one should not responsible for something not done by him. And capital one credit report significantly hurt my XXXX XXXX and my financial life, I am looking for law help to protect my own right. And capital one need to correct their fault immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I received a letter in XXXX from a company called XXXX. This letter stated that I had a collection from XXXX XXXX in the amount of {$100.00}. I am not sure if they got my account confused with someone elses but I did not or do not owe that business any money as I had paid my balance with them the last time I visited. I also know this because I had no insurance at the time and per their policy they make you pay the amount due before they will see you. At the time service is rendered. I reached out to XXXX via a letter which I will attach below and sent that certified mail well within the 30 days. In the letter they asked me to respond within 30 days and it says plus I quote if you request to this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor. The letter date on XXXX was XX/XX/21. In my letter I stated that I would like an itemized bill because the amount is unrecognizable as I have paid my account with XXXX. My certified mail XXXX XXXX  was sent back to me with no other letter attached and was by itself in the mailbox. It was signed off as a date of delivery being XX/XX/21. Well within the 30 days of me asking for them to provide me with information on this so called debt. I sent another letter to them and after several months I only got a single letter back from them with no proof of said debt and what this debt collection was a result of in this medical office. XXXX also reported this to the credit bureaus illegally since they did not respond to me with any valid evidence as I requested and this debt was also reported to the bureaus on XX/XX/21. Which was before I even received the very first letter from them and was also reported before my 30 days I had to respond to this letter. Id like to make this complaint in hopes of this f debt that I do not owe, to fall off. I did send in a dispute letter to all credit bureaus and they agreed with me and deleted the collection from my credit. All but one which was Equifax. I XXXX also like to add Equifax to this complaint as well as XXXX. I have not been supplied the demanded proof under the doctrine of estoppel by silence, XXXX vs. XXXX  ( Mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have attached a copy of all letters that I have sent to XXXX. XXXX did not indeed supply any proof like I have stated above. I have tried to contact Equifax several times with this issue showing that the attempt from collection was not verified as I have asked. When I have contacted Equifax they have opened my dispute several times and denied it each time. However with all other bureaus they have deleted this collection off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
For reasons I do not understand, I discovered that a fraudulent Chime account was created in my name, using my email, XXXX, mailing address, and other personal information. I called Chime to try and report this fraud, however could not talk to a real person. To make any progress to address this problem, I had to setup an online profile and download the Chime app. Upon opening the app for the first time, I was immediately offered a four figure loan, which I declined. I opened the chat function in the app to explain that my account was fake and the result of identity theft. Chime Support replied that they could help me, but the only way to close my account was to provide Chime ( who may very well have a hand in this fraud ) with the last four of my SSN. Initially I refused to do so, but seeing no other option, I closed my account via the app ( providing the requisite information ) and promptly deleted the app from my phone. A few days later I received a Chime credit card, which I destroyed. A week later, I received a client communication from Chime, despite the fact that I have done what I can to close the fake account and discontinue any relationship with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Coast to Coast Financial Solutions, Inc.
State: AZ

Complaint narrative:
Coast to coast financial solutions Contacted me XXXX mail on a debt with XXXX XXXX XXXX XXXX XXXX say i owed a debt to said company. I received a email from the same company the previous week stating I didnt owe them anything. I also spoke with the company numerous time stating I canceled my services with that company in good faith and started service with another company. I will be sending out the dispute with the company so they are aware of the conflicting claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: MI

Complaint narrative:
Previous Complaint # XXXX I Complained On XX/XX/2022, That Transunion Is Inaccurately reporting A public record on my credit report. Attached Is Transunion Response In Which The Docket # On The Account Is WRONG! So How Are They Accurately VERIFYING This Information With The WRONG DOCKET #

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 2023-01-03 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List ot accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 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 2023-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I live in XXXX  but own a rental property in XXXX, XXXX  that I purchased four years ago. I obtained a mortgage with Rocket Mortgage on the property. I had a catastrophic water leak at my property ( XXXX XXXX XXXX XXXX ) on about XX/XX/2021. I reported the damage to XXXX XXXX XXXX ( my property insurer ) who is handling the claim. They have provided approx. {$300000.00} for repair costs to Rocket Mortgage, which disburses the funds as they see fit. Approx. {$46000.00} has already been disbursed by Rocket Mortgage for demo and asbestos removal to a mitigation company. The contractor I hired XXXX XXXX XXXX  ) to begin repairs received approx. {$75000.00} to start but found additional asbestos and problems to deal with before construction. XXXX XXXX approved the additional costs and provided additional funds. Rocket Mortgage is currently withholding the funds ( $ XXXX ) that XXXX XXXX provided , preventing me from getting my house repaired. Rocket Mortgage states that there has not been enough progress to disburse additional funds to the contractor. The contractor will not begin work until they receive an additional disbursement. Rocket Mortgage state they are waiting foXXXX XXXX XXXX  to approve release of the funds, which they asked for 3 weeks ago, although they told me it would take 48 hrs for XXXX XXXX  to approve release of funds. I am losing several thousand dollars each month due to loss in rent because Rocket Mortgage won't release the funds provided by XXXX XXXX XXXX for repair. I am requesting delivery of the repair funds to my contractor so they can begin repairs. My mortgage account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 2023-01-03 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:
my credit report is inaccurate 15 U.S.C, 1681 sec 602 a I have the right to privacy 15 U.S.C. sec 604 a sec 2 a consumer reporting agency can not furnish an account without my written instructions. 
check all negative accounts that they are 100 % accurate, if not remove them. 
Also I need for each collection items the original purchase agreement and proof that I am the legal owner of these agreements. 
If no proof is provided, remove them from 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 2023-01-03 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:
Credit account was opened without my knowledge. I have tried to dispute multiple times but went nowhere. Im very frustrated because it seems all my disputes are being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: CA

Complaint narrative:
Credit account was opened without my knowledge. I have tried to dispute multiple times but went nowhere. Im very frustrated because it seems all my disputes are being ignored.

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 2023-01-03 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List ot accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 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 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue.

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 2023-01-03 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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 non-monetary relief
Consumer complaint received 2023-01-03 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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 2023-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
In XXXX I performed massage services to XXXX XXXX XXXX he payed with check didnt want to put massage so he wrote birthday and rent in the memo ace cash express called the bank and verified the checks and after confirmation cashed them, I recieve a call today 5 years later informing me that ace cash express made 2 complaints against me and are threatening to garnish wages from me in order to secure payment yet there is no legal action taken against me by me XXXX apparently he didnt have the funds available even though they were verified by phone by the teller at ace

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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:
XXXX XXXX XXXX was fraudently reported due to identity theft on my report In Accordance with the Fair Credit Reporting Act XXXX  net 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 non-monetary relief
Consumer complaint received 2023-01-03 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List ot accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 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 2023-01-03 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List ot accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX Account Number XXXX Account Name XXXXXXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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