vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Bank USA N.A ( Capital One ) willfully, knowingly, intentionally violating the law and closed my account which is a violation of the law 12 CFR 1026.13 ( d ) ( 3 ) the CFPB enforce this law on their website. XXXX XXXX, Director of the ( CFPB ), according to In any action brought by the Bureau, a State attorney general, or any State regulator to enforce any Federal consumer financial law, the Bureau, the State attorney general, or the State regulator may recover its costs in connection with prosecuting such action if the Bureau, the State attorney general, or the State regulator is the prevailing party in the action pursuant to 12 U.S. Code 5565 ( b ) with Prejudice! ( Capital One ) has been closing Consumers account and violating the law and providing Consumers, false and misleading information SEE SEE XXXX XXXX XXXX, XXXX XXXX. Capital One Bank ( USA ), N.A 29. The statement provided by Capital One was false.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: MO

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 


XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$22000.00}

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 2022-08-19 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: MO

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 


XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: AL

Complaint narrative:
This is myXXXX endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Medical XXXX Balance : {$77.00}

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 2022-08-19 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: AL

Complaint narrative:
This is myXXXX endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Medical XXXX Balance : {$77.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/2015 Balance : {$0.00}

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 2022-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Today, after my work hours of XXXX, I went to deposit my payroll check to my Wells Fargo N.A XXXX account. I have had this account since XXXX, XXXX. However, multiple barriers posed problems for me and I am concerned that WF is not fairly accepting my deposit. If I can not use my money and if I incur charges ( overdraft fees, etc ) then WF stands to gain. 

Obstacles included : -Website access was limited for unspecified reasons. 
-Rejected password; required a reset of password even though I have a password application and have used it for 10 years. 
-Authenticator code they provided on my cell phone was incorrect ( it wasn't ). 
-Amount of check was entered incorrectly ( it was correct ). 

Also, their website instructions are to endorse the check and write " For WF XXXX Deposit Only '' but if their website is down, then they would be allowed to reject the funds to my account if I attempted to drop it through the ATM because it would no longer be for mobile deposit. It's possible that WF is making money on charges by its software/mobile app by not accepting your deposits and that would be unfair practice. 

Is there anything that CFPB can do? Thanks.

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 2022-08-19 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: WV

Complaint narrative:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions completed by me as the consumer : 1 ) XXXX XXXX XXXX XXXX XXXX Account No : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/2022 XXXX ) XXXX XXXX XXXX Inquiry Date : XX/XX/2022 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 2022-08-19 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: WV

Complaint narrative:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions completed by me as the consumer : 1 ) XXXX XXXX XXXX XXXX XXXX  Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/2022 XXXX ) XXXX XXXX XXXX Inquiry Date : XX/XX/ 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 2022-08-19 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: NY

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. The last letter I sent to Equifax was XX/XX/XXXX and upon checking my recent credit report the account is still reporting on my file. This is so disappointing because the account has already been deleted from the other bureaus. Please see this matter is solved quickly. Delete the account from my file. 

XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: PACIFIC PREMIER BANCORP, INC.
State: CA

Complaint narrative:
I am a trustee/executor of my Dad 's estate XXXX opened a Pacific XXXX bank account in XXXX it changed to XXXX bank in XXXX. In XXXX XXXX took me to the branch in XXXX XXXXXXXX and put me on Pay upon death beneficiary. In XXXX the bank changed to XXXX bank. Somehow there are no documents or signature card for XXXX at either the XXXX branch or XXXX. The only signature card is from Pacific XXXX bank in XXXX the next one is from a conservator of XXXX when he became demented XXXX XXXX. I have exhausted my resources trying to find this document. I can not see how it could have gotten lost. I did subpoena the records of all 3 banks and nothing. Do you have any suggestions on how to find this document? Or just forget it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXXXXXX XXXX Open Date XXXX XXXX, XXXX Balance : {$250.00}

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 2022-08-19 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXXXXXX XXXX Open Date XXXXXXXX XXXX XXXX Balance : {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
An account that does not belong to me at all randomly showed up on my credit report. I have no connections with this bank nor creditor. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount {$6200.00} Date Opened XX/XX/2022 That account is not mine nor does it belong to me it is a result of identity theft so please remove it.

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 2022-08-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: MA

Complaint narrative:
I am XXXX XXXX XXXX. I previously lived in XXXX XXXX XXXX, XXXX XXXX XXXX, MA - XXXX. I arrived in the US in XX/XX/XXXX for my XXXX 's as a XXXX. I then chose to sign up for XXXX as my internet provider and everything was going well. 

Following which, I moved to XXXX XXXX XXXX, XXXX, MA - XXXX for a cheaper apartment in XX/XX/XXXX and transferred my XXXX internet services into this apartment. After the transfer, I received unnecessarily high bills when I never even used the internet as was travelling and exploring New York and Boston most of the time. In XXXX, my landlord decided to install internet services for all tenants free of charge and I then discontinued XXXXXXXX 

I spoke to the XXXX customer care agents about 7-10 times on call and made sure my account was paid in full and reflected a {$0.00} charge as they told me " You will not be able to close the account until your account balance is {$0.00} ''. After successfully paying my bills, returning the equipment within the return time frame and discontinuing my services with XXXX, I have received a " Derogatory public record or Collection filed '' which has significantly lowered my credit score. 

I would like to inform you that I am a very simple XXXX  who arrived in the US to complete my XXXX XXXX education from XXXX University. I anticipated on improving my credit score but the customer care team has destroyed my credit score by filing a complaint on my name every month since XX/XX/XXXX. 

- The XXXX customer care team is extremely rude. 
- They do not respond to my calls after I prefill my account information to connect with an appropriate agent. 
- The have ruined my credit score and filed collection on my name. 
- They have not tried to help me resolve the issue. 
- The have forced me to pay the amount of {$140.00} in order to remove the debt collection on my name. 

I don't see why it is necessary for me to even pay {$1.00} when it was impossible to close my account if my balance was not = {$0.00}. 

I highly request the authority in charge of this complaint to help me resolve this issue so that I can work on my credit score and prevent paying unnecessary amounts to SCAM companies like XXXX XXXX XXXX XXXX ) who are completely blunt, rude and force you to pay an amount THAT YOU DO NOT EVEN OWE IN THE FIRST PLACE.

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 2022-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I XXXX XXXX in fact a consumer started receiving communications from XXXX a representative of RESURGENT Capitol service owned by LVNV Funding LLC on XX/XX/2022 until XX/XX/2022. I have never done business or contracted with this company, so I am confused why they are communicating with me without my direct consent pursuant to 15usc1692c that is a violation. I don't know how they obtain my nonpublic personal information also more violations. They are falsely reporting inaccurate information to my consumer report which is damaging my reputation pursuant to 15usc1681b ( a ) ( 2 ). I'm trying to take care of my family but can't because I'm stress and keep getting denied my credit. I never gave them direct consent to report anything on my consumer report. I am really tired of being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 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: MO

Complaint narrative:
I am bothered by the actions made by the Credit Reporting Agencies! They have failed to comply with the FCRA section 605b and continued reporting the disputed accounts and information on my Credit File that resulted due to Identity Theft. I have been sending multiple written letters addressed to the Credit Bureaus requesting that they remove all the disputed accounts and information from my Credit File or provide me copies of documents bearing my signature to support the Credit Bureaus claims that the disputed information belong under my name. Either which, the Credit Bureaus have failed to do so. I am now submitting this complaint to you today to inform the Credit Reporting Agencies that I am in talks with my Legal Counsel to initiate legal response for the Credit Bureaus incompetence and negligence. Under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identiy theft. I need the following items deletes as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2022

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 2022-08-19 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: MO

Complaint narrative:
I am bothered by the actions made by the Credit Reporting Agencies! They have failed to comply with the FCRA section 605b and continued reporting the disputed accounts and information on my Credit File that resulted due to Identity Theft. I have been sending multiple written letters addressed to the Credit Bureaus requesting that they remove all the disputed accounts and information from my Credit File or provide me copies of documents bearing my signature to support the Credit Bureaus claims that the disputed information belong under my name. Either which, the Credit Bureaus have failed to do so. I am now submitting this complaint to you today to inform the Credit Reporting Agencies that I am in talks with my Legal Counsel to initiate legal response for the Credit Bureaus incompetence and negligence. Under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identiy theft. I need the following items deletes as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TXXXX XXXX XXXX XXXX XXXXXX/XX/20XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation