vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to dispute information on my credit report that was reported without my written consent, in violation of 15 USC 1681. According to the Fair Credit Reporting Act ( FCRA ), creditors and credit bureaus must obtain written consent before furnishing or obtaining consumer information. 

Upon reviewing my credit report from XXXX, I discovered Cap1/WMXXXX XXXXXXXX XXXX XXXX XXXX Status Paid or paying as agreed, Credit Usage : XXXX XXXX were reported without my written consent. I hereby request that this information be investigated and, if found to be reported without proper consent, be promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Easy Finance, LLC
State: TX

Complaint narrative:
I'm a victim of identity theft. My personal information was used for credit and loan purposes. The company used : XXXX XXXX via XXXX Stepstone Credit XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, KS XXXX ( XXXX ) XXXX The inquiry was made on XX/XX/year> Spoke with representative of credit company, they flagged it as Fraud. Also spoke with XXXX, they need me to file a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX account from XXXX XXXX XXXX with account number of XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I acknowledge that as per FCRA XXXX, it's crucial to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, and this is causing me concern.

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 2024-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My name is XXXX XXXX. I am a XXXX XXXX, so money is tight. I can't go a week without having access to my money, but I have had to do so XXXX  since opening my account with Citi just in XXXX. XXXX! They have XXXX my account and taken away access to my cards anytime they have been unable to verify a charge. Keep in mind, that none of these charges have ever been fraudulent. I wish I would have never opened an account with Citi. They don't care about the well-being of their customers. My well-being has been at risk of not having access to my own hard-earned money. It is horrible. When I call them to verify the charges, they " can not verify my phone number ''. It is so XXXX because I have accounts at XXXX and they are always able to verify my phone number. When I ask them for help to see what I can do with the issue, they hang up on me and tell me that they can't answer my questions. Ridiculous. I called XXXX XXXX XXXX, my service provider, and they said the phone shows up in my name, so they can't understand why Citi can't verify it. IT IS CITIS ISSUE, NOT MINE. THEY need to fix the issue, NOT ME. Next, they told me that since they couldn't verify my phone number I would have to wait a week for something to come in the mail with a letter code. This morning, I went to the mailbox and immediately called Citi because I desperately need access to my money. When I called, they said that the letter code is not enough information, and that I will need to wait for them to send me another document. I CAN NOT WAIT ANOTHER WEEK..POINT..BLANK ... PERIOD. If I don't get this resolved within the next XXXX hours I will be closing my account with Citi. HAPPILY.

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 2024-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I don't believe I should be responsible for the Navient held private loans taken out for this school who has been proven to use deception in their recruiting tactics, and provided an education that was so subpar that the school is worthless on paper as an educational reference. I am a XXXX XXXX in the XXXX XXXX XXXX lawsuit and am in the process of having those loans discharged. I believe all remaining amounts for the Navient Loans should be discharged and all payments made in relation to the XXXX XXXX XXXX XXXX XXXX should be refunded. I filed for Bankruptcy in 2014 and was unable at that time to have these loans cleared and have been making payments on the loans just so that my credit isn't completely trashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.

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 2024-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My previous account with Wells Fargo was unfairly charged with surprise overdraft fees on debit purchases and ATM withdrawals, even when I had enough money in my account at the time of the transaction. There were also charges from monthly fees when they shouldnt have been. Wells Fargo advertised no fees if a customer made XXXX or more debit card purchases and/or payments in a month, but the bank limited the types of eligible payments and didnt count debit transactions that posted days later. My money was unfairly frozen for weeks if Wells Fargo suspected a single deposit was fraudulent. Which resulted in me messing up my credit. After dealing with so many fraudulent charges on my account it began to hit a - {$800.00} balance, the account was then closed. And I was left with a nothing but a fraudulent balance to pay.

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 2024-04-11 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: NY

Complaint narrative:
I sent a written letter to the company asking them to provide me with a method of verification since they had reported information to be verified and accurate. I asked for documentation proving who they spoke with, when they spoke with them, and any documentation provided to them to verify such information. I requested that if this information could not be verified such information should be removed immediately from my 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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-04-11 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: NV

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal 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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I acknowledge that as per FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, and this is causing me concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/2023, capital one 360 restricted and after closed my account for unusual activity, I tried to explain what happened but didn't listed or took my testimony as true, a " friend '' which name is XXXX XXXX ask me to receive money from a lady I didn't know and after send it to him which I did, apparently that was fraud because she reported my bank account and capital one actually took my own money and gave it back to her, I didn't report this before because my friend told me he was going to pay me that money back, but ever since that happened haven't done so I have proofs of what I'm saying I'll attach those

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I did not make these hard inquiries! These are 3 of 13 hard inquiries ( across 3 bureaus ) made using my information that I did not authorize or request. I have been a part of 2 separate data breaches in the last few years and believe this is a result of that. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove all fraudulent accounts. They are hurting my ability to obtain credit. They are being reported by a third party and I do not recognize them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I'm asking Captail One for my opt out forms. My consumer right is that I have the right to privacy this is clear in the gram Leach Bailey act. 

Capital one shall stop reporting this account immediately or within 15 days. 

Don't not send a response saying accurate or verified, please address the matter at hand and fulfill the request I asked of you give me my disclosures giving me the ability to opt out this was never given to me fro the beginning of this transaction which is a violation of truth and lending act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Avant Holding Company, Inc.
State: AZ

Complaint narrative:
I applied for a Avant LLC credit card through XXXX which stated they would not hit your credit unless you were approved. I was approved and I began the final steps of " verification '' which included email confirmation ect. The last step was they wanted a picture of your ID and a selfie which was very unusual since they already had my SSN and other information. I attempted to provide this over and over again and their site continued to error out on this step even after I went above and beyond to make sure everything on my side was not the problem. After going over this with their helpdesk they gave me an email to attach those items and send it to them. Once I did that and also mentioned that I was military they pulled my credit and rejected my application and account. XXXX is also liable in this case because they seem to be protecting a scammy company. Avant cards are the only ones they advertise that won't allow you to leave ratings/reviews on their website. I now have no credit card and a credit pull that was suppose to not happen if not approved.

Company response to consumer: Closed with explanation