vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-08 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX has violated my rights .

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2022-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a Capital One Venture card and have been saving up my travel miles to book hotels and flights through Capital One travel. I booked a 3-night hotel stay at the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Confirmation : XXXX ) for 3 nights. Unfortunately my XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX and as a precaution I contacted Capital One Travel to cancel. I cancelled 48 hours prior to our trip and XXXX at Capital One and he told me that he couldn't cancel but if the hotel approves it they would issue a complete refund. I spoke with a lady named XXXX at the XXXX who approved the cancellation. I called Capital One back and spoke with XXXX and his supervisor XXXX who confirmed that since the Hotel approved it Capital One would be able to apply for my refund. They told me they would call me back but if I didn't hear from them to call back in 2 days. I never heard back within 2 days so I called back and spoke with XXXX who said the refund was still pending and to call back in 2 days. I called back and spoke with XXXX XXXX said the same ). Called back in 2 days and spoke with XXXX XXXX said the same ). Then called back in 2 days and asked to speak with a supervisor named XXXX who said the refund was denied. I asked why it was denied, she said its because the Hotel never approved it. I told them they approved it on my first call close to 2 weeks ago. After 1 hour waiting on the phone they said they had to file another claim for approval after speaking with the Hotel again. Meanwhile, although I cancelled within my time frame because of due diligence to prevent anyone XXXX XXXX I still have yet to be refunded. Capital One Travel is not practicing proper ethics. They advertise that they handle bookings when they are at the mercy of a third party agency. If you're planning on traveling or booking DO NOT USE CAPITAL ONE TRAVEL. In the event you need to cancel due to an emergency you will not receive customer support or a refund.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08 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: TX

Complaint narrative:
Transunion will not supply me my REQUIRED, FREE Report online.

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 2022-07-08 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/2022 the online ticket and lodging reservation system XXXX discovered that their stored payment card information, which included my Bank of America VISA card, had been hacked by an unknown actor ( letter attached ). I was informed of this on XX/XX/2022. 

On XX/XX/2022 there were two fraudulent charges to my above mentioned VISA account of {$910.00} from a XXXX XXXX and {$330000.00} from a XXXX XXXX XXXX XXXX copy of statement attached ). I have never heard of either of these companies and have never done business with them. 

I called Bank of America shortly after these charges were made to report fraud. The person I spoke with asked me if I recognized a series of transactions including the two above. There were six additional small transactions of less than {$20.00} that I did not recognize and which were included in my fraud report. 

Bank of America determined that the six small transactions were subscriptions and after reviewing them I agreed. 

HOWEVER, THE TWO LARGE CHARGES LISTED ABOVE FOR {$4200.00} ARE NOT SUBSCRIPTIONS. THEY ARE FRAUDULENT. 

Bank of America has repeatedly denied my request to have the two fraudulent charges listed above ( for a total of {$4200.00} ) removed from my account. First they claimed that the charges are subscriptions ( letter # 1 from B of A attached ), and I responded with a letter ( XX/XX/XXXX, attached ) explaining that the large charges were not subscriptions, but were fraudulent. Then they claimed that I agreed that the charges for {$4200.00} were valid ( letter # 2 from B of A attached ). 

I DID NOT AGREE THAT THESE TWO CHARGES ARE VALID IN MY LETTER OF XX/XX/XXXX. In my XX/XX/XXXX letter I state that I agree that the six small charges totaling {$34.00} are valid but I clearly make the point that the TWO CHARGES TOTALING {$4200.00} ARE FRAUDULENT. 

Apparently the person handling this matter at Bank of America has not actually read my letter of XX/XX/XXXX ; in any case Bank of America continues to charge me for two fraudulent charges to my account.

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 2022-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX IS REPORTING ON MY XXXX. AND MY EQUIFAX CREDIT FILE THAT I OWE THEM MONEY THAT I DONT. I HAVE PREVIOUSLY ASKED THEM FOR A VALIDATION OF THE DEBT IN WRITING, WHICH I AM STILL PATIENTLY WAITING FOR. I AM ON XXXX, WHICH MEANS MY INCOME IF FEDERALLY PROTECTED. THE OLD XXXX  ACCOUNT WHICH IS NOT MINE TO BEGIN WITH AND IS TRYING TO BE REAGED BY XXXX XXXX IS THE ONLY THING I CAN THINK OF, WHICH WAS OVER 2 YEARS AGO. I WANT THEM TO STOP BOTHERING ME, WHICH IM ENTITALLED TO ASK FOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
As of XX/XX/XXXX I have 5 new hard inquiries on my credit an each one is fraudulent, all applying for credit cards. I believe I comprised my personal information while applying for the XXXX XXXX XXXX on the XXXX XXXX  browser on my phone on public Wi-Fi. The 5 inquiries were for the following- XXXX XXXX XXXX XXXX XXXX bank - twice it seems Citi bank XXXX XXXX XXXX XXXX All of this inquiries are fraud, an possible XXXX XXXX Compliance I would like an need each one of this inquiries removed. They brought my score down XXXX points an this is unacceptable. 

I also see theres is 5 loan inquiries from XX/XX/XXXX, I only applied with XXXX XXXX that day. I only discussed that 1 company I only applied an was approved for that 1 company. The other 5 loan inquiries are Fraudulent an with out my knowledge an I would like them removed. They are the following - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  so then twice, XXXX XXXX XXXX XXXX XXXX XXXX All of these inquiries were fraud an with out my knowledge I noticed while looking at these recent credit card inquiries I need these removed to apply for XXXX trucks an housing this year.

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 2022-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citibank sent me a letter on XX/XX/2022 saying they are going to close my checking account because of the possible fraud activities on my account. I called the Citibank many times to understand which transactions they think is fraud and when I could get the money back ( around {$400000.00} ). They told me it takes 30~60 business days to review my account and return my money. I told them I can send documents to prove all the transactions are legal but they said it is not necessary because they will request the document if needed. After 60 days, they told me the account was closed on XX/XX/2022 and I should receive the check in 5-10 days. After 10 days ( XX/XX/2022 ) they said they need to confirm with the back office and internal resolution team if the check is sent out or not. If not, they will resend it again. Today ( XX/XX/2022 ) they told me they won't return the money because the money doesn't belong to me and they can not further assist me. I asked to escalate to supervisor and the call was disconnected.

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 2022-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed.

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 2022-07-08 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: TX

Complaint narrative:
FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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:
My identity was stolen in the past and some of the inquiries were not done by my authorization.

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 2022-07-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My identity was stolen in the past and some of the inquiries were not done by my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
There is no need to forward comments to the agencies. I am not disputing debt. I am showing valid, legitimate proof or reporting errors. According to the CFPB, i have a right to have an error free credit report. I DO NOT HAVE THAT. I am sending you information directly from my credit report, with errors annotated to be clearly visible. 
One of the reports will be with USAA. This has been filed previously, with no result. I am not disputing debt. I am proving reporting errors from four major corporations.

USAA is still reporting a debt from XXXX. This debt was sold in a charge off. They have made numerous changes, from closing and reopening the account, to re-reporting different information. Notice on the credit report where they placed an OK block in XX/XX/XXXX. 
Next, XXXX XXXX. Notice three specific line errors, specifically with 30 60 90 day reporting, not matching up with lined monthly totals. XXXX also just changed the monthly on time payment percentage going from 15 to 73 percent, this dropping my XXXX score XXXX points. This was also only posted after I sent them certified mail showing them their reporting errors. I feel this was malicious, vindictive, and meant to harm my reputation. 
The third report concerns XXXX, an auto finance predatory loan company. There are four line item discrepancies, and no remarks about status of vehicle. I voluntarily traded this auto for another vehicle at a dealership, with the dealer contacting XXXX  to inform them of my surrender. Notice monthly pay reporting is not reported correctly. 
Fourth, is XXXX XXXX. This tradeline has three specific reporting errors. Most notably three different reporting dates, among other errors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Greetings, I am unsure why the cases are still opened but the investigations have been completed on my end. However they were dismissed and investigated how they should have been by law. My rights have been violated. Please see attachment for more details or these violations and account numbers. Please allow a human to read the attached letter to receive a resolution. 

Thank you, 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 non-monetary relief
Consumer complaint received 2022-07-08 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: SC

Complaint narrative:
Greetings, I am unsure why the cases are still opened but the investigations have been completed on my end. However they were dismissed and investigated how they should have been by law. My rights have been violated. Please see attachment for more details or these violations and account numbers. Please allow a human to read the attached letter to receive a resolution. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I am an XXXX XXXX. I routinely have to call mortgage companies regarding home insurance so I can get the mortgage company the payment, documents, etc. Mr Cooper 's XXXX line hangs up on me after 4 minutes. The only reason, on my second call attempt, I was able to reach a live person was simply because I used to have a Mr. Cooper mortgage and was able to use my social to get through their phone labyrinth. ALL mortgage companies should be required to answer every call by a person ( vs hanging up ). Furthermore, they should have a separate phone

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/XXXX i was scammed out of my direct deposit by being promised I was going to receive a large sum of money in order to get out of debt but it was a lie I had sent them XXXX but now I dont out of money and nothing to pay my rent or bills

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Dunlap Gardiner LLP
State: GA

Complaint narrative:
This harassment started in XXXX, over a car that was repossessed in XXXX. I went to court, and on XXXX the case was closed, case status Disposed. On XXXX, XXXX XXXX filed another claim against me for the same case, XXXX. I was never served in reference to this wage garnishment. I noticed that my wages were being garnished. I filed a defendant 's claim against XXXX XXXX, and Dunlap Gardiner, LLP ; went to court on XX/XX/XXXX at the XXXX XXXX XXXX. The Plaintiff 's garnishment was disposed and I was granted the money that was being garnished from my pay check. Then my employer notified me that XXXX XXXX had filed a new claim against me for continuation of wage garnishment. I filed another defandants claim again and wen to court on XX/XX/XXXX and my defendant 's claim was denied until I fight the underlying judgement, in which, I received no documentation in reference to the claim filed. I am really tired of going through this with them harassing me and garnishing my wages for a claim from XXXX, that was disposed, and my money was refunded to me. This is something that is not legit, and is causing a hardship with my living expenses and employment opportunities.The vehicle they are claiming I owe money for was repossessed in XXXX, and I never heard anything from this finance company. I stay at the same address for XXXX years and was never served any papers. I did not receive any notices from them after the case was disposed in XXXX until XX/XX/XXXX. I would like for them to stop harassing me and causing hardship in my life for a repossessed car from XXXX, that case was disposed, and I was refunded my money back that they had garnished at the time. I would like them to stop the garnishment and give me back all the money they have garnished from me at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: NV

Complaint narrative:
XX/XX/XXXX, I went to my local IRS office to talk about my personal incomes taxes and was advise at that time that someone from California Edd and Maryland EDD has filed unemployment under my name and social security number. California someone has collected {$12.00}, XXXX and Maryland {$11000.00}. this place in XXXX and XXXX i have attach copies of my taxes transcripts as well My reports numbers for California Edd # XXXX FTC report number # XXXX Police Report number XXXX I don't believe none of these agencies are doing anything about it IRS , and the Edd offices as well. I don't feel protected at all and i am seeking damages and the security of my personal information. I am allowing 30 days to have my credit updated, taxes updated, and I want the people who did this so i can sue them or I will come after these companies

Company response to consumer: Closed with explanation