vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$35000.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$21000.00} written off. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$21000.00} Status Collection account. $ XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5100.00} Status Account charged off. {$5100.00} written off. {$5100.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} XXXX Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX  XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$1.00} XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8700.00} Status Account charged off. {$8700.00} written off. {$8700.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. 

FCRA violations : payments never late XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Open. 

XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Received a text from Bank of America wire transfer today : XXXX ( XXXX ) Payee  successfully added for {$1000.00} from XXXX XXXX, If you have not made call XXXX to report XXXX  Customer service said XXXX XXXX is opening various bank accounts. I dont understand how. They gave me an email address of : XXXX or XXXX Then he was asking me where I bank and I said no. No body should be opening any accounts without my acknowledgment.

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 2022-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
My husband and I opened an account at Wells Fargo in XXXX XXXX XXXX this past winter while we were staying there ( XX/XX/XXXX thru XX/XX/XXXX ). My husband passed away XX/XX/XXXX. I have tried calling the branch and their Estate Department for the past XXXX days and no one ever answers the phone. Unfortunately, we live in Ohio and I do not have the account number and, therefore, can not get through to a person. I want to close the account and have been holding on the phone for hours!

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 2022-07-11 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: SC

Complaint narrative:
In accordance with fair credit reporting act XXXX  account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 


XXXX XXXX Original creditor : Balance details XXXX % of this account is paid off Balance on XX/XX/XXXX {$180.00} Original balance {$180.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status date XX/XX/XXXX Comments No Comments Statements No Statements Contact info Name XXXX XXXX  Address XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX Is everything correct?

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 2022-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have had my CapitalOne card for about 17 years and my husband has been an Authorized User for about 7 years. The Credit Limit on the card is {$21000.00} but on XX/XX/XXXX my husband used his card to make a purchase for {$26000.00}, bringing the total on the card to {$29000.00}. I am the XXXX XXXX and thereby responsible for paying any charges incurred on my card and my husband 's card. CapitalOne did not require me to approve the charge in advance and only notified me AFTER they approved the charge that far exceeded the limit on the card. 
The CapitalOne website states that Authorized Users are not allowed to " Change the credit line '' which I have come to believe is deceptive language. Over the course of the next month, I made several calls to CapitalOne asserting that they should not have allowed the charge to go through without my authorization because my husband does not have the authority to change the credit limit. They stated that being " over limit '' transactions were allowed on our cards, they did nothing wrong. My position is that a cardholder would assume small over limit charges would be allowed for unexpected situations but that no reasonable person would expect CapitalOne to allow a charge that put the card over limit by almost {$9000.00}. I have asked CapitalOne what the upper limit of my card is, if not {$21000.00}, and they replied that they can't answer that question. My only option to avoid incurring huge interest costs was to take money out of savings to pay the credit card balance. 
I believe the language in CapitalOne 's Access Levels document is deceptive, that their management of credit limits is disingenuous to increase their profits and that they do not sufficiently protect the XXXX XXXX who is responsible for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end 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 2022-07-11 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: SC

Complaint narrative:
In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 

Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$140.00} Original balance {$140.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Comments No Comments Statements No Statements Contact info Name XXXX XXXX  Address XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 

Dispute this account

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 2022-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC
State: VA

Complaint narrative:
I received XXXX loans from Omni financial via their Virginia branch in 2021 after CFPB already filed suite and won. Yet XXXX is still conducting practices they they were already informed were illegal. They have not complied with the stipulations of the lawsuit

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX  XXXX  Account # XXXX, XXXX Account # XXXX, XXXX/XXXX  Account # XXXX, XXXX 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

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 2022-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I had an account with XXXX XXXX I believe in XXXX. It closed and I had a balance. I received a letter that I was being sued and had papers for court by Midland Credit in XXXX of XXXXI contacted someone and she told me the dates that I had to pay the balance. I made my first payment, in order to avoid going to court or having my things seized, in XXXX of XXXX. I made my XXXX payment in XX/XX/XXXX, i was told that i would be receiving s a letter stating that i paid in full and the account will be cleared and closed. XXXX weeks later XXXX XXXX I receive yet another court hearing for {$280.00}. whenever I call midland they already know who I am, I can never talk to someone in the legal department, XXXX months went by and no one could tell me where the fees were coming from and why they added it so late. I was told to pay it or my things will be repossessed. they added " court and legal fees '' to my account XXXX  weeks after my final payment and tried to sue me again. I disputed it through XXXX XXXX but have yet to see anything and midland credit does not answer calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
This complaint stems from a previous CFPB complaint filed on XX/XX/XXXX ( # XXXX ). Wakefield and Associates previously returned these accounts to their client after not verifying the debt and sending the alleged debts to credit reporting agencies. Now, Wakefield and Associates is attempting to recollect on these same debts, as well as other alleged debts that have been disputed with their client. The following are the dates, times, and employees ( when applicable ) I've spoken with over the course of the past XXXX years trying to resolve these alleged debts : XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been told repeated by both XXXX billing and their local office administrator that this is being investigated and they'll get back to me. Each time, no further communication is had unless I call to inquire about the status. I am asking that Wakefield & Associates either verify this debt and provide the supporting documentation that was requested in a demand letter sent to them, dated XX/XX/XXXX, or they drop and return these charges indefinitely. 

Their continued attempt to collect on debts that were previously unverified and returned is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AVANTE
State: FL

Complaint narrative:
I've contacted the consumer reporting agencies several times asking to verify this debt, but they have willingly failed to verify it in violation of 15 U.S.C. 1681h 611 ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have sent disputes to the credit bureaus every 30 days XX/XX/2022 XX/XX/2022 XX/XX/2022, all the way until now ( XX/XX/2022 ) - and the same errors are continuously reporting without any resolution or a response from the bureaus! This is obsurd. there are too many errors to count. There is a bankruptcy on my report that I have proven the courts do not respond to and i sent it to the credit bureaus and the bankruptcy is incomplete with no date settled on XXXX. 

2 XXXX XXXX  accounts XXXX and Transunion refuse to investigate. XXXX keeps reporting the same account with positive payments and it's closed and shows it's a satisfied collection. 

XXXX keeps illegally re-aging a XXXX account? it's closed and they are reporting the date last active as current. that is not possible. it's illegally re-aged.

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 2022-07-11 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I bought a new heating, and air conditioning system ( XXXX ) from a local vendor. They told me that Wells Fargo ( WF ) provided 0 % financing, and inspite of a poor prior relationship with that financial institution, I begrudgely accepted their offer. WF gave me a high line of credit to cover the purchase, and if I wanted some sdd ons. The problem is that it is a credit card, and is reported as a revolving account through the credit bureaus. Like I am going to buy another {$20000.00} dollar XXXX system with my WF credit card. It should be annotated as an " installment loan '' on my credit reports. I contacted WF and they updated the credit reports with the same data. The monthly WF billing statement reflects the name of the manufacturer of the XXXX, XXXX. The account is also labeled XXXX. Wells Fargo is not alone in this practice, I've seen this done with other lenders, for mostly household goods such as appliances and furniture, one off purchases.

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 2022-07-11 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, with 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 an account without my written instructions

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 2022-07-11 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, with 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2022 and XX/XX/2022 I inadvertently made two payments for the same amount ( {$1400.00} ) to my Capitol One Venture Card. 

When I realized the problem and checked my account, sure enough, I had a credit of that amount. 

I called to asked if I could either transfer those funds to my checking account ( the one tied to the credit card ) or use the funds to cover new charges. I was told, No, the only way you can recover those funds is by Capitol One sending you a paper checka process that will take approximately 14 days. 

If one adds the time it will take to cash the check and have access to the funds, Capitol One will be able to have access to the float for 17 days. 

Really?! Thats legal?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
After review of my credit report I sent for a dispute on inaccurate information to Equifax, XXXX, and XXXX. It has been over 30 days and I have not received any response. 

XXXX is reporting the following incorrect information : Incorrect Name : XXXX, XXXX, XXXX & XXXX, XXXX, XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX Incorrect Employer : XXXX XXXX is reporting the following incorrect information : Incorrect Name : XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Incorrect Employer : XXXX Equifax is reporting the following incorrect information : Incorrect Name : XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX Incorrect Employer : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Ive been sending in disputes to remove these accounts off my credit. I didnt know these accounts where on my credit until I tried to purchase a home. These are not my accounts.

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 2022-07-11 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX accounts -XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX acct XXXX XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX XXXX  acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I 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.

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