vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with Fair Credit Reporting ACT. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 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 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 : States a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I reached out to Capital One 's Fraud customer service today ( XXXX XXXX ), and I was told that my account was closed due to " observed activity on your account that is not consistent with our expectations of usage for personal, family or household purposes ''. When I asked for more details, I learned that it was because Capital One was unable to verify my income. 

However, the first time that Capital One requested my 3 most consecutive banking statements, I informed them that my newest bank account ( which I opened in XXXX cause I started my first out-of-college job in XXXX ) was only two months old. This is the account that my direct deposit is linked to. However, the representative that I spoke with on the phone ( XXXX XXXX ) told me that it had to be three consecutive bank statements so I should use another bank account ( despite my other bank account not showing the direct deposit ). As such, I listened to her advice and submitted the other bank statements ( not my recently opened account with the direct deposit ). 

Then, I called today ( XX/XX/XXXX ) to follow up, and I learned that my account was closed due to failed income verification. I explained this situation to the representative, and they said that they couldn't take any more documents cause my account is permanently closed. I'm frustrated because the previous customer service person told me that I would have the chance to submit the new bank statement if the old ones didn't pass verification. Additionally, it's ridiculous that my account was closed without even giving me the chance to prove my income successfully ( new bank statements, offer letter from employer, etc. ). 

Additionally, Capital One won't refund my {$390.00} annual card fee cause I " breached their terms and agreements ''. However, this is ridiculous since they didn't even try to take further steps to verify my income. Since my account was only opened for 4 weeks, Capital One is absolutely scamming my annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I called Bank of America which is the issuer of my California EDD Account 3 months ago and filed a complaint telling them that I never received my card. They informed me that a card was activated and all of the money on the account was spent. I told them that this wasnt me. They asked me to send in documents and I did that. I filed a police report and sent in my ID, they told me it would take 90 days to reach a conclusion. So when I called in last week they had no recollection of any of this. They made me start a entirely new case and get a NEW police report. I have now went a year without receiving my benefits because of the incompetence of Bank of America. It is totally unfair for me to have to wait another 90 days to reach a decision. 

Both of my claim numbers- 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 explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name & Number : 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 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 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. The bankruptcy court do not report to the credit bureaus that is a violation of my hippa rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
Have a Hard Inquiries from XXXX XXXX. This is not me. I moved 2 years ago, new owner has been opening credit cards in my name fraudualently

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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I never open an account with XXXX XXXX XXXX and I should not have a inquiry from. A U.S.PROBATION DEPT Inquiry : XXXX XXXX, XXXX  this needs to be removed

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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian is not conducting reasonable ( re ) investigations. Experian claims they " contact '' the data furnisher, but in reality they simply utilize the automated process through eOSCAR to update information from the data furnisher. They take zero documents submitted by the consumer filing the dispute ( and simply wait for the data furnisher 's response. The data furnisher and/or Experian the wait out the clock, after which Experian provides `` dispute results '' peculiarly the day before the thirtieth day since complaint ( dispute ) filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I stayed at XXXX XXXX XXXX XXXX XXXX from Tuesday XX/XX/XXXX to XXXX XX/XX/XXXX and piad with my AMEX Corperate Card. 

Upon check out the hotel refused to provide me with a receip. The desk worker was incredibly rude and just kept yelling that its their policy to to give receipts. After much argument she finally printed out a checkout confirmation that stated that i checked out at XXXX XXXX on XX/XX/2023. 

The hotel then proceeded to charge me for an extra day. First claiming i checked out on Sunday. Once that was proven to be impossible the hotel changed their story and is now claiming i checked out at XXXXXXXX XXXX  on XXXX the XXXX. 

I have raised a complaint with the hotel. XXXX XXXX and American Express. All which have failed miserably to understand let alone remedy the issue. The hotel has been completely unresponsive while XXXX as failed to follow up after talking to a manager at the elite support line. AMEX failed to follow their own dispute procedure and out of systematic incompetence has repeatedly failed to investigate the matter in a timely fashion. 

Attached documents 1. 
the receipt from the hotel with a time stamp of XXXX Sat XX/XX/XXXX. 

2. 
Proof I Returned my rental car at the XXXX XXXX XXXX at XXXX XXXXXX/XX/XXXX 3. 
Proof i was on board a XXXX flight which depared at XXXX XXXX. Meaning i was on board the aircraft no later the XXXX XXXX and at the airport no later then XXXX to be in time to check luggage. 

4.

Proof i checked into a XXXX XXXX  in XXXX by XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX has adamantly refused to correct the billing issue and provide a correct receipt for the charges. They first insisted i had checked out Sunday the XXXX and then later claimed i checked out at XXXX XXXX  Saturday. Both are impossible and the hotel employee keeps making up more lies to try and cover her mistake. Hotel mgmt has failed to act. XXXX XXXX and AMERICAN EXPRESS has been allowing fraudulent activity to go on under their watch and has done nothing dispite the overwhelming evidence that has been providedto them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This auto loan was opened while I was in Bankrupcy XXXX XXXX. This was done without my knowledge

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 2023-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: FL

Complaint narrative:
On XX/XX/2023 L J ROSS ASSOCIATES, placed a sent collection on my credit report without my written consent. The collection showed I owe the company {$220.00} for a service I never requested or signed any contract stating I would pay this amount. 
Based on federal law : 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.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This has damaged my credit and for me to buy a house as a single parent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This has damaged my credit and for me to buy a house as a single parent

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 2023-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I had flooring installed with XXXX, and I agreed to finance the flooring through Wells Fargo since they were advertising a " 24 Month No Interest '' promotion. Everything was good until 12 months after the flooring was installed, when I was suddenly charged interest on the full purchase amount of the flooring, over {$1000.00}. Needless to say I was surprised to see this charge. 

I contacted Wells Fargo about this immediately, and they said that it was actually a 12 month promotion and that I was mistaken, BUT they would waive roughly {$400.00} of the interest ( 15 % of it ) on the condition that I paid the entire balance on the phone immediately. They would not let me think about the offer and call back- it had to be right then and there, or no deal. I reluctantly agreed to do this, and submitted a payment for the entire balance of the account just to handle it and move on. 

After a handful of weeks I realized Wells Fargo had not taken funds for the balance of the account that I paid off, so I contacted them immediately. I confirmed with them that the payment information was accurate, and I had ample funds to pay for it, but they did not process the payment. The representative informed me that it was my fault that the charge didn't go through ( it wasn't ), and because I hadn't noticed within 72 hours, they were not going to honor the original agreement and I was going to be charged the full amount of interest. 

All of this feels like extortion - I don't think I should have to pay the interest at all since it should be a 24 month interest-free contract, not 12, and I've never missed or been late for an appointment at all. Even then, I still acted in good faith and tried to pay the account off in full, but the representative made a mistake, blamed it on me, and refused to honor the agreement we had the first time I called. This is all super frustrating and I've never been treated worse by a company.

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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: CA

Complaint narrative:
On or before XX/XX/2023 a Certified Mailed was sent to LexisNexi, a request of proof of copy, signed documents related to Bankruptcy on my credit report. 

As of time LexisNexis unable to provide substantiation; Failed to provide signed documentation of the said Bankruptcy. 
Failed to provide a copy of bankruptcy petition filed with the court. 
Failed to provide proof of filing document, such as stamped document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XXXX  XXXX XXXX Jpmcb bank XXXX Reviewed my credit report and saw that there were inquires on my report that I had no affiliation with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
XXXX account systems XXXX  XX/XX/2023 date assigned XX/XX/2023 XXXX  acct# XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Have a Hard Inquiries from Capital One. This is not me. I moved 2 years ago, new owner has been opening credit cards in my name fraudualently

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
When I opened my account with Discover, I was fairly new to the USA after moving from the XXXX, as such they requested additional information to request information from the IRS, I provided this information and signed a docusign document, to enable them to request this information. 

On XX/XX/XXXXthey emailed saying they were unable to complete the verification, I called them and they said they didnt receive the info back from IRS in time, and they resent the verification documents needed. I completed as requested and heard nothing back. Assumed all was good. 

On XX/XX/XXXX, I went to use my credit card at XXXX XXXX Airport, and in front of many other people, my card was declined. Embarrassing for sure, I called discover who claimed they made a business decision as they couldnt verify my information with the IRS. They claimed I should have received an email informing me. Which I then received at XXXX on that night. 

When I arrived back from my trip, I received a letter from the IRS setting a request for my information had been declined since discover had filled the form out incorrectly Discover then reported this closure to the credit records and now it looks like I have 150 % credit utilization, making it impossible for me to open an account with a reputable company. 

Im still so new to the USA that my credit history is limited, and now theyve ruined it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting 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: MO

Complaint narrative:
Privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$280.00} XXXX XXXX XXXX XXXX XXXXXXXX {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$360.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$1600.00} States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a count without my writing instruction.

15 U.S.C 1681c. ( aX5 ) 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 1681 s-2 ( AX1 ) a person shall not furnish any information 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 2023-10-08 00:00:00
Product: Credit reporting 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: MO

Complaint narrative:
Privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXXXXXX  Act # XXXX XXXX Acct # XXXX {$1300.00} XXXX XXXX XXXX XXXX Act # XXXX {$280.00} XXXX XXXX Act # XXXX {$610.00} XXXX XXXX XXXX XXXX Act # XXXX {$360.00} XXXX XXXX Act # XXXX {$1100.00} XXXX XXXX Act # XXXX {$1600.00} States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a count without my writing instruction.

15 U.S.C 1681c. ( aX5 ) 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 1681 s-2 ( AX1 ) a person shall not furnish any information or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I got my credit report and I was checking to make sure everything was correct. I noticed some unauthorized hard inquiries on my credit report that I didn't authorize to run my credit, I would like these hard inquiries remove from my credit.

Company response to consumer: Closed with explanation