vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One has been negligent with my security and provided false information that indicated charges had been dropped due to fraud. Two months later all charges were reestablished which caused me over {$30000.00} in damage. 


In XX/XX/2020, Capital One granted a request made by my separated husband at that time, to be an authorized user from my credit. He received a credit card in his name on my account. I had no awareness of this transaction as I had not used my account in over a year. He was able to make this transaction online by changing the phone number to his. He and I were going through a divorce, and I was no longer living at the residence. 


I did not request nor give permission for anyone to be an authorized user of my credit nor receive a credit card in his name. 


I gave no verbal permission with Capital One, and signed nothing. 


I requested to hear any audio recording of my granting permission for my ex to become an authorized user. I was informed it had been established through a computer transaction and he had changed my phone number to his. 


I discovered this in XX/XX/2020 during a credit check, demonstrating that my credit rating had fallen from excellent to good. Within 4 months, he had charged {$25000.00} on this account, including a {$4000.00} guitar, and daily maximum cash outs. This in no way reflected my trend in credit card use. He made a request to Capital One to increase credit and was denied. 


Once aware, I attempted damage control and handled the credit rating by using a debt management program to stop the XXXX  % interest. As he and I were undergoing a divorce, this was another item of dispute for which I was charged with extensive hours with my lawyer and was charged with over {$6000.00} in lawyer fees. 


I contacted the Fraud department and made a complaint. I received Capital One statements that indicated charges were eliminated due to fraud. My XXXX  case continued with this no longer being a discussion point. Later, I was later informed that the Capital One Fraud department had investigated and determined that this was not a fraudulent case, rather a marital divorce case. At that time all charges were reestablished. I had divorced and had responsibility for my credit.

The Capital One Fraud department refused my request for an appeal of their decision. Capital One acted in their own interest rather than investigating the lack of my personal security which led to my cost of over {$25000.00} debt and {$6000.00} in lawyer fees, as well as over 10 hours of dispute with Capital one over my security and fraud.

I would like to appeal this decision and have funds returned to me, as well as my legal charges during this dispute. 


Regards, XXXX XXXX, Formerly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: NJ

Complaint narrative:
Equifax, refuses to delete inaccurate information. They are reporting a fraudulent account in XXXX XXXX XXXX this account was deleted from transunion and XXXX because it was fraudulent. XXXX XXXX XXXX is showing XXXX POTENTIALLY NEGATIVE MONTHS which is a clear violation of my consumer rights. this account should be delete asap. in addition, all accounts are showing multiple infractions as far as reporting false information like latenesses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Hello, XXXX of the credit card I am using is from TRUIST BANK, and for 3 months in a row I see a double entry for the same transaction, XXXX will be already processed, and the other is on pending. The first time it happened I contacted the bank and they called back and said that there was an error in the system. 
The same problem happened this month twice, and when I called, they said an upgrading. 
It makes unsafe to deal with the bank, when you have to review the account every day, and before doing a payment. It is also give the feeling of untrusted financial institution.

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 2023-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am receiving information on MY loan solely through disputes & credit reports. XXXX refuses to notify me of a seriously delinquent account & found out through searching on my own. The information I receive is INCOMPLETE, INACCURATE & totally unfair & a violation of my rights! 

This time, PLEASE focus on providing me with 24 months of COMPLETE payment history & send to MY address.

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 2023-10-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am receiving information on MY loan solely through disputes & credit reports. XXXX refuses to notify me of a seriously delinquent account & found out through searching on my own. The information I receive is INCOMPLETE, INACCURATE & totally unfair & a violation of my rights! 

This time, PLEASE focus on providing me with 24 months of COMPLETE payment history & send to MY address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
This issue is documented in XXXX XXXX 's customer service system as case number " XXXX ''. 
Throughout XXXX, roughly XXXX XXXX XXXX ( XXXX ) virtual XXXX and XXXX general use prepaid cards were purchased in bulk from an authorized vendor of XXXX. The vast majority of these cards have not been able to be used as payment for purchases, as the cards are declining. 
Through XXXX of XXXX, some purchases attempted on the prepaid card accounts were declined, even though the funds on the prepaid card accounts were sufficient to cover the purchase. 
On XX/XX/2023, I contacted XXXX customer support to learn the status of the prepaid card accounts and the reason for the declined transactions, and customer support told me that the prepaid card accounts had been blocked via an automated flagging process due to suspicion that a 3rd party had compromised the prepaid card accounts, and unsuccessfully attempted to send me via email new prepaid card account details, and afterwards created a customer service case for me, and requested additional information ( phone numbers, card numbers, registered name, mailing address ) on the accounts and registration info which I provided to their email at XXXX. 
On XX/XX/2023, I received a email saying the case was resolved, and asked me to provide the same information to a different email, XXXX, and said that there would be an update or resolution within 1 to 2 business days, and then after I forwarded the information to the new email address, I was notified via email that the case was reopened. 
On XX/XX/2023, I replied to the last email received from XXXX, XXXX, for an update on the case, since it had now been 4 weekdays. I have not received a reply. 
On XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023, I received automated emails from XXXX with no substance, stating the case status as " Work In Progress ( Awaiting Task ) '' and " New '' On XX/XX/2023, I received an email from XXXX asking for the third time for the phone numbers, card numbers, registered name, and mailing addresses, and that a resolution or update would be provided after XXXX business days. This email was not responded to since this information was provided twice already. 
On XX/XX/2023, XX/XX/2023, XX/XX/2023, I received automated emails from XXXX with no substance, stating the case status as " Work In Progress ( Awaiting Task ) '' and " New ''. 
On XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023, I received automated emails from XXXX with no substance, stating that they would provide me with an update as soon as possible, stating the case status as " InProgress ''. 
On XX/XX/2023, I contacted XXXX via phone and asked for an update on the case, and they could not provide any update of substance or a timeframe for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Dear XXXX, I am writing to file a formal complaint with the Consumer Financial Protection Bureau XXXX CFPB ) regarding inaccurate personal information on my credit report. I have recently obtained a copy of my credit report and discovered errors in the personal information section, which I believe are negatively impacting my creditworthiness and financial well-being. 

I am providing the following details for your reference : Full Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/1996 Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Incorrect Address on Credit Report : XXXX XXXX XXXX, XXXX MD XXXX I would like to bring to your attention the following inaccuracies in my credit report : The credit report currently lists an address, which is XXXX XXXX XXXX, XXXX XXXX  XXXX address is outdated and no longer associated with my current residence. The correct address is XXXX XXXX XXXX, XXXX XXXX  XXXX, and it has been my primary residence for the past 7 years.

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 2023-10-28 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: U.S. BANCORP
State: IL

Complaint narrative:
Dear XXXX XXXX in XXXX XXXX at XXXX XXXX, Is XXXX XXXX a financial institution?? 

Clearly on the letter dated XX/XX/2023 you stated your company is a " member of the financial services industry ''. Furthermore, as defined in 15 USC 6809 ( 3 ) ( a ), ( Public Law 106-102, title V, 509, 113 Stat. 1443 ) The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. 

In congruent with you stating XXXX XXXX is a " member of the financial services industry '' and the definition of financial institution as congress prescribed, it is correct to say you are a financial institution that is governed by Federal Regulations, Federal Statues, and Federal Regulators. 

As a financial institution you are required to promptly process my opt out demand from my nonpublic personal information being disclosed to any and all nonaffiliated third parties. 

XXXX, are you suggesting that XXXX XXXX is illegally denying me my right to privacy and my right to opt out? Please seek legal guidance before responding to that question. 

Additionally, you mentioned the Fair Credit Reporting Act in your letter dated XX/XX/2023 but obviously havent read it in its entirety. In the Fair Credit Reporting Act, a financial institution is to provide me a clear and conspicuous written notice, advising me it will be reporting negative information to a consumer reporting agency. I never received a CLEAR AND CONSPICUOUS notice from XXXX XXXX of such activities. 

However, even if you did provide me of such notice, the Fair Credit Reporting Act states it DOES NOT require a financial institution to furnish negative information about a consumer to a consumer reporting agency! 15 USC 1681s-2 ( 7 ) ( E ). 

Please provide the legal statue that says reporting negative information on a consumer to a consumer reporting agency is required by law. There is no such statue. But there are many statues that point to my right to privacy, to my right to opt out to your duties as a furnisher of my information. You dont control my information ; CONGRESS GAVE ME THE RIGHT TO CONTROL MY OWN INFORMATION. 

Stop disclosing this account to all non-affiliated third parties including XXXX, XXXX and any other nonaffilated third parties that I am unaware of. 

THIS IS MY OPT OUT NOTICE, AS A FINANCIAL INSTITUTION YOU MUST COMPLY. 

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 2023-10-28 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: GA

Complaint narrative:
The following accounts on my consumer file is due to identity theft and needs to be removed and blocked on all three credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC1681 Section 602. States I have the right to privacy. 15 USC1681 section 604A ( 2 ), it also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666B a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose.

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 2023-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a Capital one XXXX credit which is closed- for the past 3 months I have been paying on the card -- this month XX/XX/2023 they are charging me a late fee of XXXX dollars-how can am account be late if it is closed -- the bill was due on the XXXX and I paid on the XXXX I got up that morning they must had put that charge as soon as they opened because it was not thre on the XXXX -- now I am just guessing -- -I do realize that I still have to pay the balance which is why evevy month I am paying but I do not think I should have to pay by a due date -- if the account is closed why and how are they imposing a late fee and a due date

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-28 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. 

XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account Number XXXX XXXX XXXX Account Number 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 : It also states a consumer reporting agency can not furnish an 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute the recent incorrect charges and late payments that have been reported on my XXXX account. This account was closed in XXXX, and I am concerned that late payments for XXXX are being inaccurately reported. I request your immediate attention and assistance in resolving this matter as this has caused me extreme financial harm. 
I have carefully reviewed my credit report, and I was surprised to find that late payments are being reported for the year XXXX on the XXXX account. This is inaccurate as the account was officially in XXXX, and I have not made any transactions or late payments on this account beyond that date. 
These inaccuracies on my credit report may negatively impact my creditworthiness and my ability to obtain a home. 
The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and up-to-date information on consumer credit reports. 
I encourage you to view the documentation that I have attached to this compliant as it contains the letter I've sent to XXXX and XXXX, along with a copy of the inaccurate 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 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute the recent incorrect charges and late payments that have been reported on my XXXX account. This account was closed in XXXX, and I am concerned that late payments for XXXX are being inaccurately reported. I request your immediate attention and assistance in resolving this matter as this has caused me extreme financial harm. 
I have carefully reviewed my credit report, and I was surprised to find that late payments are being reported for the year XXXX on the XXXX account. This is inaccurate as the account was officially in XXXX, and I have not made any transactions or late payments on this account beyond that date. 
These inaccuracies on my credit report may negatively impact my creditworthiness and my ability to obtain a home. 
The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and up-to-date information on consumer credit reports. 
I encourage you to view the documentation that I have attached to this compliant as it contains the letter I've sent to Equifax and XXXX, along with a copy of the inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting 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:
I am writing to dispute the recent incorrect charges and late payments that have been reported on my XXXX account. This account was closed in XXXX, and I am concerned that late payments for XXXX are being inaccurately reported. I request your immediate attention and assistance in resolving this matter as this has caused me extreme financial harm. 
I have carefully reviewed my credit report, and I was surprised to find that late payments are being reported for the year XXXX on the XXXX account. This is inaccurate as the account was officially in XXXX, and I have not made any transactions or late payments on this account beyond that date. 
These inaccuracies on my credit report may negatively impact my creditworthiness and my ability to obtain a home. 
The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and up-to-date information on consumer credit reports. 
I encourage you to view the documentation that I have attached to this compliant as it contains the letter I've sent to XXXX and XXXX, along with a copy of the inaccurate 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 explanation