vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CrediautoUSA Financial Company LLC
State: CA

Complaint narrative:
Hi my name is XXXX XXXX XXXX me and my father 's identity were stole by my ex boyfriend he XXXX XXXX and took 2 of my phone 's at the moment and till this day I don't have a phone and my father is in XXXX well my ex boyfriend XXXX XXXX XXXX TOOK ME TOO A HOUSE WERE HE BEAT ME AND TOLD ME THAT HIS FRIEND WAS GON NA KEEP TRACK OF WERE I WAS AT ALL TIMES AND WELL NOW I RECEIVED MY FATHERS MAIL AND LOAN AUTO LOANS AMD WELL MY FATHER ISNT HERE I NEED TOO SPEAK TOO SOMEBODY ASAP PLEASE BEST CONTACT NUMBER IS XXXX XXXX PLEASE I NEED HELP TOMMOROW I WILL BE FREEZING MY FATHERS CREDIT WITH ALL XXXX CREDIT BUREAUS

Company response to consumer: Untimely response
Consumer complaint received 2022-06-24 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: NCB Management Services Inc.
State: GA

Complaint narrative:
I had a car that was totaled by my ex who took my car without permission and had a car accident and he got a lawyer and supposedly settled and the insurance paid the vehicle that was in XXXX or XXXX I believe. Well now in XXXX it showed up on my credit report stating the loan was opened in XXXX of XXXX and that is completely false. Ive tried disputing and it doesnt get removed. I tried calling the company and they dont even have any information to give me about the account, I explained to 5 different people it was paid off by whoever hit him their insurance paid it. I was told that from his attorney because I have a restraining order on him we do not speak. I even had the police report saying I wasnt in the vehicle so The other person at fault was responsible for the pay off. I need this off of my credit report. The date is wrong this account wasnt opened in XXXX that is completely false information. And to my understanding it was paid off this was 5 years ago. I dont know if they put the payoff on wrong car since the check came from his name since hes the one who settled. I dont know but this needs to get fixed. Its been 5 years and when I call to ask more information to NCB management they had zero information to give me. They couldnt explain why that debt is there. Ive attached picture of court document where we went to court for him stealing my car and totaling it and a picture of the date and year so you can see theres no way the account was opened in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: TX

Complaint narrative:
Fraudulent account remains on my credit report after submitting theft affidavit and police report. Been over 30 days

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 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
The public information record of XXXX XXXX XXXX thats listed on my XXXX, XXXX and Trans Union credit report is incorrect. The public information record is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
The public information record of XXXX XXXX XXXX thats listed on my XXXX, Equifax and XXXX XXXX credit report is incorrect. The public information record is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Can not create an account on XXXX and TransUnion I do not have a smart phone and need one to get into these companies. 
I did my best to verify my ID and it's still not good enough when I pass security questions. I also tried to buy services and could not buy even with my credit card.

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 2022-06-24 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: OH

Complaint narrative:
As a consumer, I know that I have a right to privacy Pursuant to 15 USC 1681 ( a ) ( 4 ) under Federal Law, and Experian has infringed upon my rights to privacy. On XX/XX/2022 I logged onto a monitoring service to review my consumer report. When I logged on, I noticed an address that I have never seen before. I originally contacted Experian on XX/XX/XXXX to remove old addresses, and to update my name, however, I was not expecting to see an address that I never gave consent to furnish on my individual report. 

Pursuant to 15 USC 1681b ( a ) ( 2 ), It states that any consumer reporting agency may furnish a consumer report under the following circumstance and no other : In accordance with the written instructions of the consumer to whom it relates. Experian is in direct violation of this statute. I did not give Permissible purpose nor did they have my written instruction to furnish this information. My main concern is where did they get this information, and who told them to do this? This constitutes Identity Theft and Fraud, under Federal Law and I am owed remedy. 

Furthermore due to the rising Identity theft that is going on, and all the information that I had no idea was furnished on my report I sent Experian a letter not only demanding that they update the correct location information on my consumer report, but I also sent them an FTC identity theft report telling them to block all the information on my report, that I believe is Identity theft and fraud. They informed me that they couldn't which made no sense to me because the information that I sent was in the form of an affidavit of facts and once again my rights have been violated.

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 2022-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Sometime in 2022 Comenity Capital bank purchased my credit card account from XXXX XXXX  - I was never told that the account was sold my credit card just stopped working one day. I never received notice that the account had been sold or any information from either bank with instructions on how to set up my new account with Comenity. The first correspondence I received from the bank was to inform me that my payment was late and that my account was delinquent I called Comenity on XX/XX/2022 in authorized a payment to bring my account current however they fail to process the payment. I was told at the time that a new card had been sent weeks ago and that I should have received it in the mail I believe that this is a lie I dont believe that any card has ever been sent to my address by Comenity Bank . After a couple of weeks I noticed that the payment has not posted to my bank account and that a second card that they claimed to have sent to my house has not arrived yet so I called them on XX/XX/2022 to inquire about the payment in about the new card. They claimed a new card had been sent but that the payment has been declined by my bank. When I asked why they had not contacted me they had no answer. I requested to stay on the phone with them while they made a payment from my bank account in order to make my account current which they did I paid them {$2500.00} on XX/XX/2022 and I requested a third card be sent to my home address. The third card was never sent I did however receive a letter today from the bank claiming that I was not eligible for a new card due to the status of my account. I have never missed a payment on any credit card that is currently issued to me. Comenity Bank continues to charge me late fees and interest on an incorrect balance. I believe very strongly that they are doing this on purpose in order to collect extra fees. It is my belief that they have never tried to send me a new card and that they are making it difficult on purpose for me to keep the account current. If there are any issues with my account it is the fault of Comenity Bank and not mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
ALERT ... ALERT ... ALERT... : THIS IS NOT A DUPLICATE COMPLAINT! 

I. " Someone '' marked all duplicate and original complaints as being closed and resolved. 
a.Neither is true. This is a tactic I am familiar with, in the case of my experience with nortoriously criminal banks. The complaint is marked duplicate, closed and never addressed.

II. Wells Fargo is trying to contact me by phone, then filed a form-letter type response, publishing a long-long credit-card user agreement. 
a. I just got a letter stating they would contact me within 10 days of my Complaint, dated XX/XX/22 ; this was not filed at the portal, according to mandate. 
III. I need them to follow procedure and respond through the CFPB portal only -- NOT by phone. 
a. Banks exploit interstate phone recording laws ; I do not want to have any telephony with bank reps. 
IV. This entity points out that I filed for XXXX XXXXXXXX Bankruptcy protection a number of times ; however, these cases were dismissed. 
a. If I had gone through with them, ALL my credit card debt would have been wiped out. Instead, Wells Fargo decided to pretend to be magnanimous and forgive the credit card debt. 
b. When it was impossible for me to rescue my family home of almost 40 years from an illegal foreclosure action, I moved to filed Bankruptcy. With the stress of the impending home invasion and my XXXX, I was unable to file in a timely manner : hence, the number of filings. At the 11th hour I realized, bankruptcy was not an option financially. 
c. Well Fargo Bank, then went back on their promise to forgive my credit card debt. Again, they breached a contract; sold my debt to an anonymous entity and claimed a loss on their taxes. 
V. Since this bank feels it does not have to obey banking regulations, I will contact the IRS to report this breach of IRS Law. With Wells Fargo Banks unscrupulous history of credit card fraud, I am sure the government would welcome an expansive tax audit

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 2022-06-24 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: GA

Complaint narrative:
The financial institutions listed below continue to violate my federal right to privacy. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Per 15 U.S. Code 6802, these institutions are required to provide me with a notice that clearly and conspicuously outline my rights as a consumer. They have not provide me with an option to opt out of consumer credit reporting. I was not given the opportunity to, or choice, to exercise my right to direct that my private information is not to be disclosed. I never authorized for the these institutions to share any of my nonpublic personal information, such as financial data, to nonaffiliated third parties, such as XXXX, Equifax, or XXXX, and others. These banks continue to report information on my consumer report without my explicit written or verbal consent. No consent is identity theft. 

Furthermore, 15 U.S. Code 1681 ( 2 ) states that transactional information or experiences between the consumer and the furnisher are to excluded from consumer reporting.

Congressional findings in section ( 4 ) state that the consumer reporting agencies are to exercise their grave responsibilities for fairness, impartiality, and a respect for the consumers right to privacy. XXXX, Equifax, and XXXX, all have used information that was not supposed to be reported, to compile a report as to who I am as a person, -which is not a true reflection of myself. Due to their repostings, I have suffered greatly. I have been experiencing tremendous pain and suffering, as well as loss of earnings, loss of quality of life, and necessary damage to my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: GA

Complaint narrative:
The financial institutions listed below continue to violate my federal right to privacy. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Per 15 U.S. Code 6802, these institutions are required to provide me with a notice that clearly and conspicuously outline my rights as a consumer. They have not provide me with an option to opt out of consumer credit reporting. I was not given the opportunity to, or choice, to exercise my right to direct that my private information is not to be disclosed. I never authorized for the these institutions to share any of my nonpublic personal information, such as financial data, to nonaffiliated third parties, such as XXXX, XXXX, or Experian, and others. These banks continue to report information on my consumer report without my explicit written or verbal consent. No consent is identity theft. 

Furthermore, 15 U.S. Code 1681 ( 2 ) states that transactional information or experiences between the consumer and the furnisher are to excluded from consumer reporting.

Congressional findings in section ( 4 ) state that the consumer reporting agencies are to exercise their grave responsibilities for fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX, and Experian, all have used information that was not supposed to be reported, to compile a report as to who I am as a person, -which is not a true reflection of myself. Due to their repostings, I have suffered greatly. I have been experiencing tremendous pain and suffering, as well as loss of earnings, loss of quality of life, and necessary damage to my financial reputation.

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 2022-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I deposited a govt issued covid 19 rent relief check from XXXX in the amount of {$21000.00} through a bank teller in person at Bank of America in XXXX XXXX XXXX I was issued a deposit receipt stating the first {$5300.00} would be available XX/XX/XXXX and the bal on XX/XX/XXXX. The following day I received an email advising a 10 day hold due to check specific information indicates item may be returned. At the time of deposit, I had a positive bal and absolutely no history of bouncing checks or negative bal. Ive consistently maintained a positive bal for 5 years and have a credit card never late and a 3.2 % auto loan with the bank. Also never late. Bank of America is in violation of the XXXX XXXX act and Regulation CC. When I asked the bank the reason for the hold, I was lied to several times. I was told I have a consistent history of bouncing checks and that regulation cc allows for extended holds on govt checks. The bank is still holding my money.

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 2022-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I have a Capital One XXXX XXXX credit card through which they promoted their capital one travel. On their site, they say " If you made your booking within the past 24 hours, you may still be eligible to cancel your booking without a penalty '' On XX/XX/XXXX, my husband called capital one travel and spoke with an agent who confirmed clearly that we can cancel within 24 hours with no fee. While booking they did not mention about any cancel fee So, on XX/XX/XXXX, we went ahead and booked 3 tickets from XXXX to XXXX for a total of XXXX ( {$120.00} per person ) and after booking they showed me the cancel terms of {$66.00} per person. 
Capital one travel record locator : XXXX I immediately called Capital one travel and asked them to cancel and give me a full refund. One agent told me that the 24 hour free cancellation does not apply for international flights.If yes, why did not mention clearly on their website. A second agent told me he would open a ticket and listen to the tapes from XX/XX/XXXX and then issue me a refund within 48 hours if what I said is true.

I did not get a callback in 48 hours. So I called them back on XX/XX/XXXX evening and the agent did not help. He asked me to call the airlines directly regarding cancellation. 
With no other option and due to tentative trip and the risk of losing all my money, I cancelled and got charged a fee of {$190.00} ( {$66.00} for each person ). Capital One is deceptive on their website regarding the cancellation policy. Further their own agent told me on XX/XX/XXXX that I can cancel within 24 hours. So, I request Capital One to give me a full refund of the {$190.00} cancellation charges. 

Capital One travel record locator is :

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Wolf River Development Company
State: SC

Complaint narrative:
The interest rate is 396 % and impossible to pay back. We borrowed {$2200.00} and will be paying back {$12000.00}. We have already paid {$2000.00} and have barely touched the principle. We make a {$340.00} payment every 2 weeks. Is there a way you can help us?

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 2022-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: CA

Complaint narrative:
I moved from XXXXXXXX XXXX XXXXn XX/XX/XXXX to XXXX XXXX XXXX  with my new job opportunity. 

Recently I saw a charge collection to my XXXX XXXX in the amount of {$5700.00} from XXXX apartment complex stating I did not pay my rent from XX/XX/XXXX to XX/XX/XXXX. 

I have not lived in XXXX since XXXX of XXXX and never signed a lease with XXXX apartment complex. 

Please help to investigate this fraud and see who was using my Social Security and my name to commit this fraud. 

I am unable to buy or rent an apartment any more because of this situation. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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:
In accordance with the Fair Credit Reporting Act XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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.

All these are unauthorized inquires.

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 2022-06-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-06-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Retail Card Service has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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. 

All these are unauthorized inquires.

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