vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This Complaint was completed by I XXXX XXXX The Consumer no third party etc involved. I XXXX XXXX The " CONSUMER NATURAL PERSON '' under 15 USC 1692 a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. 15USC 1692 a ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 15USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I the consumer extended my Original Credit as the ORIGINAL CREDITOR in a consumer transaction to receive an open ended credit line I was not authorized and denied I verified who I am and 15 U.S. Code 1692 - Congressional findings and declaration of purpose 15 U.S. Code 1637 - Open end consumer credit plans. The company refuses to acknowledge who I am and what my status is under the Federal Law, Consumer Law, FAR, UCC, TILA, and FDCPA laws rules and regulations. I also am reporting Billing Error due to false and misleading practices and failure to send or submit the proper documentary evidence in the alleged agreement provided from Capital One I sent in instruments that is written by law deemed acceptable being public law 73-10, 48 stat 112 and UCC 3-104 and other laws regulations that will be used in my affidavit with the exhibits I also have to present.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I disputed 5 accounts that are reporting on my credit report. The accounts that I disputed are XXXX XXXX XXXX which is reporting 4 different accounts and XXXX XXXX XXXX. I demanded them to delete the inaccurate accounts but the accounts are still on my report. The accounts was not verified or validated, nor did I give anyone consent to report on my credit report and I have never been in a contract with either of them. The company has already violated my consumer rights 5 times. I've disputed these accounts multiple times. I disputed in XX/XX/2021, XX/XX/2021, and XX/XX/2021. I have not received any feedback.

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 2021-10-20 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: Westlake Services, LLC
State: FL

Complaint narrative:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

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 2021-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was scammed by a fraudulent company called XXXX claiming to sell shoes. They sent something completely different from the items ordered on their site. I have contacted Bank of America several times to assist with this issue and got absolutely no assistance with this matter. I returned the merchandise to the address on the package because XXXX was not willing to provide me with an address in the US to send the package to despite the package coming from an address within the US. The company claimed I would be getting a refund that I never received. I would like for Bank of America to step up and protect me as a consumer from this fraudulent 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 2021-10-20 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: EQUIFAX, INC.
State: OH

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XX/XX/XXXX : Received promotion email for my Uber credit card regarding earning {$400.00} in additional Uber Cash on everyday purchases. 
Promotion terms : Use your Uber Credit Card to earn an additional 5 % Uber Cash for every {$1.00} spent on grocery store, drug store and restaurant purchases, up to {$200.00} Uber Cash, from XX/XX/XXXX to XX/XX/XXXX. 
Plus earn an additional {$200.00} Uber Cash if you spend at least {$3000.00} on purchases from XX/XX/XXXX to XX/XX/XXXX. 
All Uber Cash earned from this promotion will appear on your statement 6-8 weeks after the end of the promotion. 

Early XXXX : Called customer service to make sure I was enrolled into the promotion and said I was enrolled correctly. 

Before XX/XX/XXXX : Completed over XXXX  ( almost XXXX ) in purchases on my credit card. None of the purchases were used with a mobile or wireless card, only the physical uber card. Transactions were all in-store. My credit card was never closed and the product was never changed. My account to this day is open, active, and in good standing. 

XX/XX/XXXX : Terms said to wait 6-8 weeks after the end of the promotion for the Uber credit to show in my statement. 

I called customer service and they told me to wait until the end of the statement which for my case was XX/XX/XXXX. 

XX/XX/XXXX : No bonus posted yet. I called and started a case regarding not getting credited for the promotion. Case # XXXX Representative told me to wait 7-10 business days for either a letter/e-mail regarding the issue which was forwarded to the necessary department to look after. 

XX/XX/XXXX : No bonus, no correspondence from Barclays whatsoever.

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 2021-10-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
1. After Experian received my Identity Theft Report in XX/XX/XXXX, they accepted my report and they blocked this account. 

2. On XX/XX/XXXX I discovered that the account from XXXX XXXX XXXX was reinserted back into my credit report. The reinsertion was done without any notification to me. I sent a letter to Experian saying that they failed to notify me of the reinsertion, as required by the law. 

3. On XX/XX/XXXX, Experian responded to my letter sending me an email, saying that my letter is frivolous and they won't reinvestigate it. 

4. Since then, I sent 5 additional different letters, repeatedly begging, requesting and asking them to provide me with : a ) the description of the procedures that they used to verify that the debt showing on my report is not an identity theft, and the description of the procedures that were used where it shows that I obtained benefits, good, money, etc. 

b ) to reinvestigate and describe me how did they verify as accurate the balance of {$3300.00} that is showing for XX/XX/XXXX had dropped down to {$3300.00} in XX/XX/XXXX, knowing the fact that Experian verified as accurate that the last payment on this account was made on XX/XX/XXXX? How is this possible? 

c ) Then, the report also shows the same thing had happened for XX/XX/XXXX : the balance from {$3300.00} had dropped down to {$3300.00} in XX/XX/XXXX, while XXXX is missing. And again, Experian claims that they verified that the last payment was made on XX/XX/XXXX. How is this possible? 

5. In meantime, I contacted the Creditor directly myself, and in a good faith I offered to settle any financial obligation that I might owe, and that I am going to pay the amount in full when they send me a verification and proof of the claim. As of today, the Creditor have not sent me any verification or proof that I requested. 

6. I have attached copies of all letters sent since the reinsertion of this account back into my credit file, along with receipts from the U.S. Postal Service indicating the mailing date and the date they were received and signed byExperian and the Creditor, along with copies of all correspondence I have received fromthe bureau. 

Thank you very much for your help.

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 2021-10-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
: I recently reviewed my credit profile and noticed inaccuracies and false accusations. It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. I AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. Drawing from my research and complete comprehension You nor any entity is permitted to keep any noncompliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the 426-character format fielded P6 statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated 386 pieces of confirmation to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX I demand this account is deleted immediately for violating FCRA 15 U.S. Code 1681a ( 2 ) b Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit. 

I disputed this account over 45 days ago never received and notice of the investigation and its currently an FCRA violation I demand this account is deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: MI

Complaint narrative:
XXXX I demand this account is deleted immediately for violating FCRA 15 U.S. Code 1681a ( 2 ) b Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit. 

I disputed this account over 45 days ago never received and notice of the investigation and its currently an FCRA violation I demand this account is deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: U.S. BANCORP
State: FL

Complaint narrative:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

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 2021-10-20 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: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2021-10-20 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: AR

Complaint narrative:
I am having a problem with getting resolution in regards to the inaccurate items on my credit report. I have sent in over 20 certified letters that include a copy of my drivers license, current utility bill and any verification to coincide with what I am trying to rectify. Equifax is reporting inaccurate information which has been harmful with my daily living. There are inquiries on my report from the same business, the same day. I have not asked for any credit with this business. Also, my personal information is incorrect and I have sent in proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: CA

Complaint narrative:
On XX/XX/15, I learned of multiple transactions that were unauthorized and made on my Wells Fargo Checking visa debit card. In total there were 15 transactions for a total of {$7500.00}. 

Wells Fargo waited until the last day before having to resolve the claim before issuing any provisional credit if not resolved within 10 business days. 

On the last day, they sent a vague denial without any justification despite the card being issued with Visa XXXX liability protection and in violation of Reg E.

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 2021-10-20 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: FL

Complaint narrative:
I seen that I had a bankruptcy on my credit profile and I contacted the courts and they stated with the information given to them that I never filed bankruptcy in there courts ; and that if theres an inaccuracy on my credit report that I should contact the credit agencies. After a couple months of disputing the credit agencies never gave me a fair investigation on the inaccurate information reported. I also contact XXXX XXXX and gave them documentation that I was received from the court they deleted the information off of my XXXX report which the credit bureaus pull from I demand that this public record is deleted off of my consumer reports for a violation of the FCRA 15 USC 1681i and if this is not done immediately I will file for litigation at my local court office

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 2021-10-20 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: AR

Complaint narrative:
I am trying to get my credit report accurate, but am having a difficult time. As I have sent in over 20 certified letters, including my drivers license, current utility bill and any other documentation that is needed. This credit agency is reporting inaccurate information which s making it difficult for my daily living. There are inquiries that I have no knowledge of, including a business three/ four times the same day. Also, there is a bankruptcy that is being reported, but is inaccurate. I am trying to make sure my credit has correct information.

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 2021-10-20 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: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am trying to get my credit report accurate, but am having a difficult time. As I have sent in over 20 certified letters, including my drivers license, current utility bill and any other documentation that is needed. This credit agency is reporting inaccurate information which s making it difficult for my daily living. There are inquiries that I have no knowledge of, including a business three/ four times the same day. Also, there is a bankruptcy that is being reported, but is inaccurate. I am trying to make sure my credit has correct information.

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 2021-10-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
I obtained a loan through a finance company picked out by a dealership, not knowing the finance company had been sued by the FTC for the same thing that they did to me. Basically, I finance a vehicle through XXXX XXXX. The vehicle had transmission issues within 48 hours of me having the vehicle. After getting an attorney and making multiple complaints the dealership reversed the contract and gave Santander Consumer USA their money back. Santander reposed the vehicle, although they knew of the faulty vehicle. They did not inform me of the auction. They still three months later have not allowed me to obtain my personal belongings from the vehicle. I have tried calling, sending in letters and no one will speak with me.

Company response to consumer: Closed with explanation