vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act Capital One has violated my rights! Under Act 15 U.S.C 1681 section 602 says " 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 ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX  XXXX has made filed false statements to XXXX XXXX saying they have served me with papers and have not which caused me to miss court date because I did not know after this they have sent false documents to me saying they have been granted a default judgement on me this is how I found out about the lawsuit. I contacted the court and spoke with them and they let me know they have not sent any documents to me or them and there is no default judgement and want all paper work emailed to them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
XXXX XXXX YEARS REFUSED TO PUT MY XXXX DEPOSIT TO MY XXXX  ACCOUNT, MY ACCOUNT WAS DEACTIVATED AND SUSPENED WITH SECURITY BREACHES AND YET STILL ALL MY MONEY WAS WITHDRAWN FROM MY ACCOUNT BY EVERYBODY, I AM THE VITUM OF THE CRYPTOCURRENCY PONZY SCHEME I WOULD LIKE MY DEPOSIT BACK ALONE WITH MY STOCKS XXXX XXXX PUT ON CASHAPP ILLEGALLY THANK YOU,... ..IVE TRIED OVER THE YEARS TO GET MY DEPOSIT AND MY STOCKS BACK FROM THEM NO HELP I HAVE WRITTEN YOU GUYS PLENTY OF XXXX XXXX STILL DIDNT GIVE ME MY MONEY ... ..YOU CAN REACH ME AT XXXX ONLY, NO EMAILS, VOICE MAILS, ARE TEXT MESSAGES PLEASE USE THIS NUMBER ONLY THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX financial sold my mortgage to XXXX on XX/XX/XXXXXXXX XXXX XXXX, I was never sent a letter to inform me of this change. I had my bank account set up to XXXX XXXX my payment every month. I had been in my house over XXXX  years and have never missed a payment. When my bank sent the payment to XXXX  after they had sold the account XXXX  sent the payment to chase. Then the next month when XXXX received the payment they sent it back to my bank. I was not aware of the change until my bank contacted me and told me the payment had been returned. I contacted XXXX who told me they had sold the account. Then I contacted XXXX  at which time the payment was already late. XXXX told me that if I provided them with proof that my bank had sent the payment to cardinal on time and a good faith letter from XXXX admitting it was their mistake they would amend the credit report. I sent them both of those things and they refuse to fix the missed payment report. I have USPS reporting that sends me a email of all my mail, I never received a notice that my mortgage company had sold my mortgage and that I needed to take action. 

XXXX should have never returned my payment. They should have sent it to chase and contacted me to ask why my bank was still sending the payment to them. 

My missed payment for XXXX needs to be fixed on my credit 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 2023-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have concern regarding an Investment company that manage my investments out of XXXXXXXX XXXX under the parent XXXX XXXX XXXX. I requested information on my account, regarding statements of ownership, account balance, and transaction activities on my account thats managed by XXXX XXXX. Upon the directions of certain managing members of TIAA, I am being prevented from any information pertaining my share ownership and managment activities of my account. I was directed to setup an account to identify my profile, or account registration under TIAA, so that I could setup a transfer of ownership of the assets held under the managment of TIAA. Upon checking the status of my Profile Registration of TIAA, I was directed to the XXXX Department where a Temporary Block has been placed on my profile by associate employee XXXX XXXX XXXX XXXX department, when trying to obtain certain information regarding my account and sensitive information I shared with the company, and now I have been blocked from communication with the company XXXX who is said to be in possession of information pertaining to my account in which I have funds held or managed by. I have concern that there XXXX maybe some illegal activities going on with my XXXX account and its management team at XXXX, that I am currently unaware of. Please feel free to contact me by email or phone -phone at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress. I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit 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 2023-07-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Signed up for a new savings account at Marcus by Goldman Sachs - I made a small deposit and received an email notification that my money was received in the account.

I followed their guidelines when signing up for the savings account. There is no minimum balance required. I have great credit etc as well. WHY AM I BEING REFUSED A SAVINGS ACCOUNT???

They closed my account two days later WITHOUT ANY NOTIFICATION to me. I spoke to a customer service rep. and a supervisor and BOTH refused to explain or tell me why my account was force closed. They told me they do not have to provide a specific reason. They also said they can't guarantee they will allow me to open up an account if i try again.

I WANT TO KNOW WHAT IS GOING ON AND WHY I, A CONSUMER AM NOT ALLOWED TO OPEN A SAVINGS ACCOUNT with MARCUS by GOLDMAN SACHS!!! 

I WOULD LIKE A RESOLUTION. I WILL ALSO BE SENDING EMAILS AND XXXX MESSAGES TO THE CEO, COO and other top executives until someone shows some professional courtesy and explains to me why my account was closed WITHOUT NOTICE and WHY it was CLOSED. 

PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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:
I recently got a new copy of my consumer report and I noticed some accounts with inaccuracies so I would like validation for these alleged debts. According to 15 U.S. Code 1692 ( a ) " There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. '' so I need to be sure the alleged debts on my consumer report are validated.

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 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
15 USC 45 unfair and deceptive trade practices, On XX/XX/ a notice of payment error w/ instructions and remittance coupon was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX registered mail XXXX XXXX XXXX XXXX XXXX,. In response to my recent correspondence from XXXX XXXX he had my account closed, defamed, discriminated against me and violated my confidentiality and the nature of our interaction. 

the following codes were violated 18 USC 242- Deprivation of rights See Exhibit A notice of billing error for other violations Exhibit B Registered Mail for Security/Payment : Exhibit C replica of Security/Bill of Credit/Payment/Coupon/Remittance :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Fraudulent Opened Account Under 15 U.S. Code 1681c2 you are in violation for reporting a fraudulent account on my credit report. I demand this account to be removed within 4 days of receipt of this letter.

Under 15 U.S. Code 1681s2 you are in violation of Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute. You failed to 100 % investigate this fraudulent account because I contacted the furnisher about fraudulent opened account, and they stated my information doesnt match which is identity theft and they do not participate in providing dispute notice to credit reporting agencies. If you believe this is false I demand you send me a complete investigation report from the furnisher directly with their letterhead on it showing the method of verification. 
I demand these items be removed from reporting on my credit report immediately. I also demand a credit report showing the removal within 30 days after removal. 
XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect Previous Address ( es ) : 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 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

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 2023-07-07 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: FL

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX XXXX XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX 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 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: VA

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-07-07 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: GA

Complaint narrative:
Transunion has allowed my social security card, which is my credit card be used without my authorization. This is aggravated identity theft as well as unauthorized use of my credit card where another person ( s ) receives a benefit and I do not. This is a criminal violation that is punishable by fine and imprisonment.

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 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I had some authorized charges on my Bank of America credit card which I have been using for 13 years. I called the bank and filed a dispute. There was a transaction from XXXX XXXX XXXX in XX/XX/XXXX for {$220.00}, XXXX in XX/XX/XXXX, {$110.00}, XXXX in XX/XX/XXXX {$100.00} and 3 transactions from XXXX for {$110.00}, {$390.00} and XXXX. I did not authorize these transactions. The bank went ahead to close the claim stating that my card was swiped. I do not have any other person authorized to use my 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 explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This is with Comenity XXXX XXXX XXXX fraud open on date XX/XX/23 with amount of XXXX $

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My bank debit card was compromised and unknown persons stole {$9900.00} from my personal checking account AFTER accessing another account and transferring {$10000.00}. 
They stole the amount in 16 different withdrawals using an XXXX debit card. 

It's beyond my understanding how they could have done this and currently working with Wells Fargo Bank.

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 2023-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have been dealing with identity theft/fraud for over a year now & credit bureus keep continually adding this others persons information on my credit reports their addresses phone numbers names & collections. I managed to get one taken off my cresit report that was not mine in XXXX and now there is another one names XXXXXXXX XXXX XXXX account that does not belong to me of the amount of {$5100.00} opened XX/XX/2022. I contacted the company and they said they dis not have anything with my social on their end. I then contacted transunion to get this disputed and taken off since it sown not belong to me & it is still not taken care of. They have been doing a bad job at helping me out with things as I said they continue to put another woman 's information on my credit report even her ssn was put on my credit report. My credit has been played with for months now & notbing is being done by these credit bureus I've made a police report with the XXXX already & they did nothing further. I've contacted irs.

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 2023-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
RENT DEBT AUTOMATED COLLECTIONS is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$780.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 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: MI

Complaint narrative:
My student loan was transferred and I had no knowledge of it until I got an email saying welcome to ur new loan service. The old loan was removed and the new loan was applied. Taking my credit scores lower than normal.

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 2023-07-07 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: MI

Complaint narrative:
My student loan was transferred and I had no knowledge of it until I got an email saying welcome to ur new loan service. The old loan was removed and the new loan was applied. Taking my credit scores lower than normal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I have no agreement nor account with One main. I've previously requested validation of the debt they claim i owe, to which they have failed to perform. They continue to communicate with non-affiliated third parties that I owe a debt to them. I've never given them written or verbal permission to report and or communicate any information to anyone. I've previously sent a Cease & Desist communication on all mediums including to non-affiliated third parties that they continue to communicate with. They are adversely affecting my ability to care for my family due to these violations of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: CA

Complaint narrative:
Being charged and credit balance increased for website for business referrals XXXX and also from a vitamin company through XXXX after trying to cancel charges. First, my Capital One credit card reached the maximum ( {$15000.00} ) and the credit card company charged the over-the-limit fees. Then, the credit card company increased ( against my will ) the credit card to {$16000.00}. I intend to pay off this credit card balance in one full payment and close this credit card account. The credit card company is telling me that even with that they can't guarantee closure of this credit card account. I have " A '' and I don't want to damage my credit score. Can you please help? 
The balance on the account at this time is {$16.00}, XXXX.

Company response to consumer: Closed with explanation