vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-15 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: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It XXXX Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized CAPITALONE Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. The inquiry was not authorized XXXX, XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

4. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

7. The status is incorrect for the following account XXXX  Account Number : XXXX Please supply information on how you have verified this item. 

8. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

9. The following account is not mine XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

10. The following account is not mine XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Reference to my complaint XXXX # XXXX, Citi Bank has violated its commitment to issue refund payment of over {$100000.00} within 60 days after the closure of my account. The attached documents shows my CitiGold bank account with {$100000.00} deposits as of XX/XX/XXXX, in which Citi Bank has stopped sending the XXXX And XXXX statements. 
The amount of {$100000.00} has been transferred from my ExternaXXXX Bank XXXX XXXX XXXX with {$51000.00}, {$2000.00}, on XX/XX/XXXX and {$48000.00} on XX/XX/XXXX, The attached copy of my XXXX Bank account statements shows as evidence to the case. 

also,, as the my XXXX bank statements shows, Citi Bank has returned my last {$100000.00} deposit on XX/XX/XXXX, in order to comply to {$200000.00} opening checking account for {$1500.00} bonus rewards. 

I have brought these issues to Citi Bank Executive office attention without any clear response. I have noticed Citi Bank actions are irrational and abusive regarding my account. 
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 2022-03-15 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 HAVE NEW UPDATED INFORMATION!!!!!!! I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EQUIFAX NEEDS MY AUTHORIZATION TO PROCEED, THEN EQUIFAX HAVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, filed a complaint about EQUIFAX on XX/XX/2022. The complaint I'm referring to includes complaint number XXXX, XXXX, and XXXX. In that complaint pursuant to 15 USC 1681i ( 7 ), I demanded EQUIFAX send me my REINVESTIGATION results in 15 days of the late payments that I have disputed that they claimed were verified. I asked for the description of the procedures included in 15 USC 1681i ( 6 ) ( B ) ( iii ) that EQUIFAX have taken to receive those results. It has been way pass 15 days and I have not received any " REINVESTIGATION '' results. I have also asked for the written instructions I gave EQUIFAX, pursuant to 15 USC 1681b ( a ) ( 2 ), to furnish this information on my consumer report. Without my written instructions, this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. I have not receive those written instructions either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: CA

Complaint narrative:
This account shouldn't be on my credit report, I already contacted the source and they are saying they haven't recieved the paperwork yet.

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 2022-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Brief summary. An old capital one Capital one account from XXXX, balance was incorrect and when I disputed it and it reappeared on my credit report as a debt as of date of dispute XXXX. I Received a letter from my courthouse stating that capital one wanted to to sue me, I receiver nothing from the company capital one themselves. I was thrown off and confused by the whole ordeal, I actually thought it was some sort of scam until I contacted the court house by phone. I have not heard anything since from either the court or capital one. I would like this removed from my report for inaccuracy. Be careful when choosing Capital One, they will scam you by repost old debt that was paid off!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: MA

Complaint narrative:
I opened a secured Mastercard credit card with Capital One. My credit limit is {$650.00}. 
The purpose of getting a secured card was to help rebuild my credit and have more control over spending. 
On XX/XX/2022 my secured card balance available was {$360.00}. I rented a vehicle the same day and was charged {$350.00}. 

On XX/XX/2022 XXXXXXXX XXXX XXXX attempted to charge my credit card {$150.00} however there was no available credit so it was declined. 

On XX/XX/2022 my available credit was {$17.00} - XXXXXXXX XXXX XXXX  was declined again. 

On XX/XX/2022 - Capital one allowed a charge of {$540.00} from XXXX XXXXXXXX XXXX  even though there was no available credit on the card. 
Now I have a balance of {$1000.00} which Capital One deliberately allowed to go over the credit limit. 

The card user agreement specifically states transactions over your secured credit limit will be declined. 

Capital One is now refusing to remove the {$540.00} charge from the credit card account. 

I need help fighting this. Capital One is totally wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: TN

Complaint narrative:
i did not consent to or benefit from the following information XXXX, Equifax, and XXXX listed on my consumer credit report, block and remove the following Account : DEPTEDXXXX Account # XXXX, Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed excluded from from a consumer credit report, if a social security card was used in the transaction. Additionally under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results come back as verified or accurate, understand that under the exclusion section you're not supposed to include factual information and they're supposed to interview my neighbors, friends, or associates. If the accounts not removed you're civilly liable for reporting the information and it's also inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 DEPT OF EDUCATIONXXXX

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 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
XXXX bankruptcy appears on record with credit reports, old debts included in bankruptcy still not removed, statue of limitations for past resolved debts are part of report which was part of refinance in XXXX for vehicle. Derogatory report that violates my hiring process.

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 2022-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
An application was submitted in my name to Pentagon Federal Credit Union that I did not authorize. I have called several times and they can not find the application therefore the inquiry remains on my credit. Evidently, they have started an investigation but even after 30 days I have heard nothing back and upon checking in, they advised that it still hasnt been investigated yet and that I need to wait more time. The case number is 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 2022-03-15 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Towards the end of XXXX, I was exploring getting a home equity loan. My broker told me that upon checking there was a 90+ day late payment for a USAA Credit card. I have never used a USAA credit card. I called USAA to find out and after being on the phone for two hours learned the following. The account was opened in XXXX. We figured out that it was simultaneous with my ex and I getting USAA insurance through her father. I have not had that insurance in years. 
I have never used the USAA card. There is one charge on it since we XXXX for $ XXXXand that was in XXXX of XXXX when I did not possess a physical card. I was informed that the card was mailed to XXXX XXXX XXXX XXXX XXXX XXXX Ca. in XX/XX/XXXX. I haven't lived at that address since XX/XX/XXXX. The purchase in question was made on XX/XX/XXXX to a vendor I would never do business with. 

I have since called twice for two more hours worth of transferred calls and no answers. I cancelled the card on XX/XX/XXXX. On Saturday XX/XX/XXXX my ex wife received a NEW USAA card ( same number as the one I reported as fraud ) with my name on it at her address where I have NEVER lived. I called the company and they had no explanation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: M&T BANK CORPORATION
State: SC

Complaint narrative:
I have updated information for the complaint with MANUFACTURERS TRADERS & TRUST COMPANY doing business as M & T BANK. I received correspondence threatening to seize my property using language coercing me to pay a debt I do not owe. Under the consumer credit protection laws of the Truth In Lending Act 15 USC 1635 I have the right to rescind any consumer credit transaction and pursuant to 15 USC 1641 ( c ) I have the right to rescind against any assignee of the obligation. M & T BANK received my rescission on XXXX however has refused to comply with the law and has made false statements stating that I do qualify for the right of rescission based off of the loan type which is incorrect. I have attached a copy of the correspondence from M & T BANK that made the false statements and the correspondence that threatened to take my home coercing me to pay a debt. I have also attached a copy of the law governing consumer credit protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: TN

Complaint narrative:
i did not consent to or benefit from the following information Transunion, XXXX, and XXXX listed on my consumer credit report, block and remove the following Account : DEPTEDXXXX  Account # XXXX, Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed excluded from from a consumer credit report, if a social security card was used in the transaction. Additionally under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results come back as verified or accurate, understand that under the exclusion section you're not supposed to include factual information and they're supposed to interview my neighbors, friends, or associates. If the accounts not removed you're civilly liable for reporting the information and it's also 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 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Capio Partners, LLC
State: CA

Complaint narrative:
I received a letter from Asset Care ( Also called Capio Partners ) in XXXX. The letter was addressed to XXXX XXXX XXXX XXXX. I do not have a mailbox at the physical location of XXXX, nor do I get mail at this location. I only get mail to my XXXX XXXX which is XXXX XXXX XXXX. 

I live in a small town and while I eventually received this letter, between the holidays, I didnt actually get this letter till the end of XXXX. 

I have been receiving XXXX XXXX XXXX letters about this debt for years. I have always sent in a debt verification letter at which point I never hear from the collection agency again. I was going to ignore this letter, assuming it was the same old incorrect debt. However, when I logged into my credit report I saw this being reported. Based on that I sent in a debt verification letter on XX/XX/XXXX. I have never heard back from this collection agency. 

I assume this debt is not my debt like the others. I had a debt with XXXX XXXX XXXX from around XXXX which showed up on my credit report, I dont remember the amount. I called the hospital and paid the bill directly in full. The debt stopped showing up on my credit report a few months after I paid the debt in full. I dont recall any other debts with XXXX XXXX , and I especially do not have any unpaid debts. 

In XXXX I started getting collection letters about this debt from XXXX. This debt while similar to mine, is not my debt. And if, which it is not, it was my debt why is it being reported a second time when it was paid. Even if it was not paid why is it being reported with a start date of XX/XX/XXXX when the start date was XX/XX/XXXX and I didnt even receive a letter about this until XX/XX/XXXX? You cant re-report a debt, you cant report a debt twice and you cant report an old debt as new. And again, that all is a moot point because this isnt my debt. 

I would like this debt to stop being reported. I have never received a debt verification letter. They continue to report it on my credit report. And since it appears as a 3-month-old debt it has dropped my credit from XXXX to XXXX. You dont get a credit score of XXXX by not paying debts. This isnt my debt. 

I am attaching all the letters I have gotten, not just Asset Care but asset care if the company in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15 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: OH

Complaint narrative:
Beginning XXXX of XXXX, I began to send a round of letters disputing inquiries on my report to all three major credit bureaus because I noticed suspicious inquiries on my report. The replies from TransUnion were all the same and I have provided a copy of the most recent reply letter to me. They also failed to send me a copy of my personal credit report. 

After contacting all of the numbers for the creditors that were reporting and receiving disappointing responses on the matter of the inquiries, I then, called all three credit bureaus on XX/XX/XXXX at their fraud departments because I believed that there may have been someone attempting to use my information to obtain credit, so I initiated 1 ) A credit freeze on all three bureaus and 2 ) A security alert on all three bureaus. I removed the credit freezes and credit alerts since the other two bureaus recognized the validity of my disputes. 

TransUnion, however, was the only bureau that continued to report the incorrect data. They also failed to provide a copy either digitally or via US mail of my credit report and their results. I initiated a final letter which I have attached letting them know once again that they needed to resolve my request because the inquiries were clearly identified as fraudulent and must be corrected. 

In the end, they need to comply and delete these immediately. 

Thank you for your attention on the matter.

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 2022-03-15 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: VA

Complaint narrative:
I consumer XXXX XXXX, received a consumer report from Experian and noticed fraudulent accounts that I didn't consent to nor give written instructions to furnish on my report pursuant to 15 USC 1681b ( a ) ( 2 ). The fraudulent account is inaccurate and have affected my creditworthiness. Pursuant to 15 USC 1681 ( 4 ), the fraudulent accounts are an invasion of my right to privacy.

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 2022-03-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
i did not authorize nor consent to the following inquiries being furnished on my consumer reports. The following Inquiries to be removed, XXXXCAPITAL ONE AUTO FINXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCAPITAL ONE AUTO FINXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am deeply devastated about a collection account that is reporting incorrectly on my credit report. These accounts are invalidated, unverifiable, inaccurate, & FCRA violations. These inaccurate items on my report are affecting me badly. I have been living in the same apartment address XXXX XXXX XXXX for more than 5 years. this. XXXX XXXX ACCOUNT IS inaccurate. I am in complete shock and saddened and need this to please be removed immediately due to how much it has affected me to sign up for a new credit card and purchase a new vehicle. my credit was in absolute good standing until this account XXXX XXXX appeared on my credit report. I NEVER AUTHORIZED TO OBTAIN MY CONSUMER REPORT. THIS XXXX XXXX COLLECTION ACCOUNT IS FRAUDULENT AND HAS NO PERMISSIBLE PURPOSE.

Company response to consumer: Closed with explanation