vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I received a call on Friday XX/XX/2022 from Capital One Fraud Department reporting that a credit card application was submitted in my name. The Fraud Deparment was calling to investigate whether or not I had attempted to submit an application. I had not requested a credit card nor do I have a credit card with CapitalOne. 

On Monday, XX/XX/2022, I called the Fraud Department to report the fraudulent activity and was assured by the representative that the matter would be marked as " fraud '' and the application denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX refused to allow me to further dispute several collections on my credit. Irregardless of the claims or reason behind the claims. XXXX and TransUnion dispute has been denied as well. After going on websites though portal. Still denied.

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 2022-08-08 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX refused to allow me to further dispute several collections on my credit. Irregardless of the claims or reason behind the claims. Equifax and XXXX dispute has been denied as well. After going on websites though portal. Still denied.

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

Complaint narrative:
n accordance with the Fair Credit Reporting Act XXXX XXXX : XXXX violated my rights.

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

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with 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 2022-08-08 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: IL

Complaint narrative:
Considering recent investigations brought upon Equifax. I find that my consumer file has been irresponsibly tampered with and neglectful, because Equifax hasnt exercised their grave responsibilities as evidenced by the inquiries theyve allowed into my consumer report, the XXXX data breach, the recent revelation that Equifax has damaged millions of consumers by sending erroneous scores, as well as the continuous reporting unverified accounts on my consumer report. Over the past years I made several attempts to remind Equifax of their duty pursuant to 15 USC 1681 my most recent was XX/XX/XXXX, and they did nothing but ignored my disputes and requests. 

Lets be clear, as a consumer, I am federally protected under Title 15 Chapter 41 and Title 15 Chapter 94, and it saddens me to know Equifax takes pride in violating basic consumer rights. According to the CFPB credit reporting and voluntary and always has been. Pursuant to 15 USC 1681a ( 3 ), Equifax assumed their role in assembling and evaluating consumer credit and other information on consumers. Equifax would need my expressed permission to furnish any information on my behalf on my consumer report. I DID NOT give Equifax and consent to report or furnish any information on my consumer report. I have a right to privacy and Equifax did nothing but invade It, by allowing 3rd party companies to access my private and personal information. Which are also violations of the Gramm-Leach-Bliley Act referenced by 15 USC 6801 and 15 USC 6802. 

I have attached a copy of Equifaxs Data Sharing Policy. On page 3 under section Consent it states, Equifax shares personal credit data with organizations that have the data subjects consent to request, receive and use it for the particular purpose ( s ) for which it will be used. Please show me Equifax where I XXXX XXXX gave you guys written consent w/ my signature to furnish things on my consumer report, because to my knowledge you guys will have to keep record of that. 

This is NOT a dispute, you do not need to reinvestigate these accounts, as a consumer I feel humiliated by the derogatory items Equifax furnished on my report without my consent. I am asking that you remove these items immediately please :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I disputed the validity of a debt. The company reported the debt as having been paid, when my dispute was that the debt ever existed.

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 2022-08-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Account XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. My legal rights have been violated. In accordance with the Fair Credit Reporting Act, Account # XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. My legal rights have been violated on both of these accounts

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 2022-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am not responsible for this debt, nor do I have an agreement with you. In addition, you are not authorized to collect in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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:
n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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:
n accordance with the Fair Credit Reporting Act XXXX XXXX : XXXX violated my rights.

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

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

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

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report.

Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
After opening a checking account online my son and husband needed an account to deposit unemployment benefits into until they could set up their own account. When their benefits were deposited into my account in XX/XX/2020 Suntrust closed my account without notice and will not release the funds. I have turned in documents that they requested but now those arent sufficient enough for them because they need them notarized. We are in desperate need of the {$1800.00} Suntrust has been holding since XX/XX/2020. Ive left numerous voicemails for XXXX XXXX with no call back.

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 2022-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nathan & Nathan, P.C.
State: GA

Complaint narrative:
Good Afternoon! 


My name is XXXX XXXX. I am writing this email in an attempt to seek advice on how to respond to a court summons that was issued by XXXX Bank filed in XXXX XXXX Ga. 

Years ago, I defaulted on my XXXX XXXX with a balance between XXXX and XXXX of charges and interest. I fully acknowledged that the debt is mine and the charges were made by me. That being said, the card was charged off after I had a major change in income and lifestyle. I entered into a monthly payment arrangement with XXXX at the amount of approximately XXXX dollars a month to keep this debt from being sent to a collector. In early XXXX the monthly payments stopped, and the account was sent to a collection 's agent ( law firm ) Nathan & Nathan. 

I called XXXX to see if the arrangement could proceed and was told there was " nothing they could do '' since they no longer owned the debt. 

Nathan and Nathan were called to see if we could settle the debt for less than owed, my contact was XXXX XXXX. They did not take my offer seriously ; at which time I asked if I could pay THEM the same amount of money per month as I had been paying XXXX. The offer was declined. I explained that as a waiter in a restaurant, a monthly payment would need to be reasonable. 

I am fully willing to resume paying a fair and reasonable monthly amount to keep any further legal issues from arising. I am due to appear in court to answer this summons on XX/XX/XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I disputed the validity of a debt. The company reported the debt as having been paid, when my dispute was that the debt ever existed.

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 2022-08-08 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I disputed the validity of a debt. The company reported the debt as having been paid, when my dispute was that the debt ever existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I am not responsible for this debt and we do not have a contract. In addition, you lack a license to collect in my state.

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

Complaint narrative:
These are unauthorized inquiries. It annoys me and gives me a lot of XXXX whenever I see them on my report. This causes me a lot of 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 2022-08-08 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: TN

Complaint narrative:
These are unauthorized inquiries. It annoys me and gives me a lot of stress whenever I see them on my report. This causes me a lot of stress.

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 2022-08-08 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: TN

Complaint narrative:
These are unauthorized inquiries. It annoys me and gives me a lot of stress whenever I see them on my report. This causes me a lot of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
on XX/XX/XXXX and XXXX XXXX i requested that ARSAccount Resolutions send me Validation of Debt and HIPAA authorization. I asked for them to please provide a breakdown of fees including any and all collection costs and medical charges. I also asked for them to provide a copy of my signature with the provider of service to release my medical information to them. This is a medical debt legally required to be in possession of in order to collect on a medical debt. ARS Account Resolutions has done nothing but send me a letter only stating the collection costs. This is unlawful and is detroying my buying power and character a consumer. 
I wrote multiple letters to XXXX, XXXX, and XXXX asking for them to properly investigate ARS Account Resolutions accounts on my credit report on XXXX XXXX and XXXX XXXX also and they have not done so. I reminded them several times that these are MEDICAL ACCOUNTS, that is protected under the Health Insurance Portability and Accountability Act of XXXX Section 1173 and that By improperly verifying the ARS Resolutions account they are compliant in violating my rights. This i very Hurtful and i feel discriminated against and this is very offensive because they are blatantly disregarding my rights as a human being and consumer.

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 2022-08-08 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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.

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 2022-08-08 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:
n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
A XXXX payment was submitted to incorrect number ( XXXX digit off ). 
We tried to contact the person who belongs to that telephone number, but they would not talk to us. 
The transaction amount was {$900.00} on XX/XX/2022. 
We contacted the Bank of America to dispute twice. Both times they did not reverse the amount.

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 2022-08-08 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: TN

Complaint narrative:
I have sent my disputes to Equifax on XX/XX/2022. I called on XX/XX/2022, the supervisor told me everything had been removed from my credit report that was listed on my FTC report. I see the accounts still showing on my credit reports. These accounts are not mine. I called back on XX/XX/2022. The rep told me they had to do a dispute again I have already sent all the information in for my disputes on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/2022, I, the consumer, acted in good faith when I applied for an extension of credit through CBNA XXXX XXXX, creditor. Upon submitting the application, consumer did not receive an immediate approval, which prompted consumer to contact CBNA XXXX XXXX via phone to discuss this denial error. XXXX, who did not provide a last name, an authorized representative for CBNA XXXX retrieved the phone call at around XXXXXXXX XXXX on XX/XX/2022. XXXX asked me the nature of my complaint, I explained to her the nature of my complaint was a violation of my rights pursuant to the EQUAL CREDIT OPPORTURNITY ACT.  Consumer explained to XXXX, who confirmed CBNA XXXX XXXX is governed by the EQUAL CREDIT OPPORTUNITY ACT ; that this is a violation of 15 USC 1691 ( a ) ( 3 ). I, the consumer can not be discriminated against for exercising my right ( 15 USC 1602 ( l ) - credit is a right ). CBNA XXXX XXXX committed fraud by using my credit card without authority and cardholder ( consumer ) received no benefit. There's an inquiry on my consumer report to prove the fraud

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 2022-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Long story short, I got scammed on buying some rare XXXX XXXX by a unknown entity

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 2022-08-08 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:
n accordance with the Fair Credit Reporting Act The XXXX XXXX XXXX XXXXXXXX XXXX XXXX acct 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

Company response to consumer: Closed with explanation