vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was traveling and I was charged for service I didnt use, i tried contacting my bank and provided with all the proofs but they didnt resolve it although it was fraudulent activity. Because merchant misguided and mis communicated. 
This credit card institute did the same thing with me twice in three years although enough proofs were provided, they are not cooperative at all. 
I am complaining about them now that my friend has the same issue with this credit card institution. 
Please take action

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.

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 2022-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I XXXX XXXX have send in two letters to update the incorrect information on my report. I have my certified receipts. It is now pass 30 days and know response or action to my request have been made. The bureaus only have 30 days to respond to your letter. If they don't respond in time, the items you disputed are supposed to get deleted.

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 2022-12-26 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:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delation of the accounts listed IMMEDIATELY

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 2022-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I have an Ann Taylor XXXX account. Unbeknownst me, I was not aware I was delinquent on my account as I never received notification from Comenity Bank and or Ann Taylor XXXX by mail. Upon hearing a voicemail message from XXXX Bank in XXXX I returned the call to inquire on the amount and speak with a CSR. I paid the amount on the phone and advised the CSR I never received notification in the mail of the latency to my account. The CSR stated they do not send notifications by mail as I was on paperless invoicing. I advised the CSR I never signed up for paperless invoicing. Fourteen days later, I received an update from the credit bureaus showing the 30-day delinquency and my limit had been drastically reduced. Of my having this account since XXXX I have never been late. I spoke with a supervisor on XX/XX/XXXX to inform him I never signed up for paperless billing, I was never properly notified of said delinquency as sending emails does not support delivery, to reinstate my credit limit, and to remove the 30-day reporting from the credit bureaus. The supervisor stated they could not remove the reporting as I would need to contest it on my end with all three bureaus. Supervisor further stated he could request a credit increase but that would be pending approval. I told the supervisor that was unacceptable as the error was on their end and not mine. I informed the supervisor I would be filing a complaint with the CFPB to get my concern resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This complaint was originated under file number XXXX and is still open. 
I have not been given back the funds [ {$290.00} ] taken unauthorized from my checking account with Bank of America. I am a senior citizen living off retirement funds trying to get back my money that I need to sustain life against a financial giant. The company [ XXXX ], who XXXX -DEBITED my account, responded to me that they have no problem giving me back my money. They advise their bank chargeback the item against their account and the result sitting somewhere in Bank of America. Why can I get this matter resolved. Is this a XXXX  XXXX issue? Do I need to employ an attorney for mental and physical harm this issue is causing me.

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 2022-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states.if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Furthermore I certify that I am permitted by federal and state to file this dispute. I also understand that knowing and willful misstatements or omissions of materi al facts constitutes a federal criminal violation punishable under 18 usc 1001. Additionally these misstatements are punishable as perjury under 18 usc 1621.These collections found within my credit report are not related to any transaction that Ive made . I am alleging that a person or company-without my authorization-used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the ftc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: OPTUM BANK, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX, I opened a personal XXXX  account ( rather than XXXX through my employer ) with XXXX in order to close an existing XXXX  with XXXX XXXX XXXXXXXX  ( Optum Financial ) due to being charged $ XXXX after terminating with the employer who had previously sponsored the account. I was advised by XXXX the following week that Optum had rejected the transfer request and that I needed to work directly with Optum in order to complete this transfer. 

I physically mailed an account closure request to Optum Financial in early XXXX and never received a response. When I later called on XX/XX/XXXX, I was informed that a ticket was opened in XXXX and closed either the same day or the next day without action. I was later told in the same phone call after further prompting that the failure response was sent to my defunct Salesforce employment email address despite my statements and other official documentation going to my current personal email address. No physical mail was sent back to me, and no further attempts were made to contact me after that email bounced back to Optum. I was advised that Optum could not proceed with account closure until I liquidated my assets, which meant I manually had to sell the stock into which my funds were invested. I was informed this would take multiple business days. I did so and called again on XX/XX/XXXX, and XXXX to confirm not only that the funds had liquidated, but also that my account closure was in progress. 

On XX/XX/XXXX, I was informed that the standard account closure XXXX was XXXX - XXXX weeks, and that there was no value in continuing to monitor the status of this transaction. I asked multiple times whether there were any additional steps I needed to take or whether I could validate progress and was told no. 

On XX/XX/XXXX ( the sixth week ), I contacted Optum Financial ( XXXX XXXX XXXX ) again because it appeared that, not only had the account not been closed, the funds themselves had been automatically reinvested on XX/XX/XXXX. I was told I needed to re-liquidate the assets, at which point I informed Optum verbally that I was filing a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: MS

Complaint narrative:
XXXX XXXX XXXX, XXXX, XXXX refused to remove fraudulent accounts from my credit report. These fraudulent accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furn End of 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 2022-12-26 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: MS

Complaint narrative:
XXXX XXXX XXXX, Experian, XXXX refused to remove fraudulent accounts from my credit report. These fraudulent accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furn End of Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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: CA

Complaint narrative:
Ive recently checked my credit report and I am deeply saddened and XXXX XXXX  as of lately due to the uncomfortable situation im in in regards to the inaccuracies and errors on my credit report.Under 15 usc 1681 ( congressional findings and statement of purpose ) ( a ) accuracy and fairness of credit reporting. Everythingthe credit bureaus furnish must be 100 % accurate period.

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 2022-12-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon EQUIFAX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2022 I sent a Letter to Delete Inaccurate Credit Information. I am dispute a late payment and Validate of one Account. I first letter i receive back Transunion Accuse me of being a credit repair company. I responded back with this ( That my request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. ) I receive the 2nd letter from transunion saying they can't process my request because they were unable to determine the nature of it.

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 2022-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Source Receivables Management LLC
State: NJ

Complaint narrative:
The company Source Receivables Management mailed me a notice on XX/XX/2022 stating they were trying to collect a debt that I owed XXXX in the amount of XXXX, I personally called XXXX myself and they told me they no longer owned the debt and sold it to Source Receivables Management, this company is in violation of 15 USC 1692j ( a ) which states, it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating. Through the response received from XXXX  apon me calling in regard to this account I would like to inform you that your company has violated 1692j ( a ) because your Company furnished a deceptive form to create a false belief in me as a consumer that the creditor was attempting to collect the debt but in reality, it was not true. This company is in violation of 15 USC 6802 : Obligations with respect to disclosures of personal information, your company has created an account on my behalf using my social security number without my consent this offense is aggravated identity theft pursuant to 18 USC 1028a they have knowingly. transferred, possessed or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years imprisonment, in addition to civil liability. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium, as per the literal interpretation Any medium includes any oral, written, electronic, or other medium, Therefore, furnishing of the consumer report bearing information regarding the alleged debt by the Company will amount to communication as per Fair Debt Collection Practice Act Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately, This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. Any further contact by your agent or company, except a communication confirming your acknowledgement of this letter, is in volitation of the Fair Debt Collection Practices Act. If you do not cease communication a lawsuit will be commence against you. I have attached the initial letter you sent me showing that you were acting like XXXX was participating in this alleged debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the united states.if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Furthermore I certify that I am permitted by federal and state to file this dispute. I also understand that knowing and willful misstatements or omissions of materi al facts constitutes a federal criminal violation punishable under 18 usc 1001. Additionally these misstatements are punishable as perjury under 18 usc 1621.These collections found within my credit report are not related to any transaction that Ive made XXXX I am alleging that a person or company-without my authorization-used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All is being investigated by the ftc.

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 2022-12-26 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX or 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 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 non-monetary relief
Consumer complaint received 2022-12-26 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX or 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 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 2022-12-26 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act, Dept of ED/XXXX has violated my rights. 
Account # 's 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 an account without my written instructions.

Company response to consumer: Closed with explanation