vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I have XXXX cards with Capital One. My ex-fiance, who was an authorized user, wanted to pay my card balance on XXXX of the cards. The payments were returned because of the type of account. So I paid the balances myself. Because the XXXX payments were returned, Capital One wants proof that the account used to pay the XXXX payments is in his name, they requested a copy of his bank statement as proof, even though I immediately paid the XXXX cards off myself when I was informed of the payment returns. Because my ex-partner wouldn't give me the information I cut all ties with him. I have informed then many times I am unable to get the info requested and explained the circumstances, but they not only restricted use of those XXXX cards involved, but also my other XXXX cards with them. They say they can not do anything further without the information every time I talk to them, even though I keep explaining why I can not provide it. I have also asked them several times to remove him from the account but they have not/will not. Additionally, when I paid the card balances, it created a credit of {$47.00}. This credit sat on the account since XXXX. On XX/XX/XXXX they show a 'credit refund ', but they have not refunded to me, nor will they tell me where the refund is. They just insist as the accounts are in 'investigation ' so they are unable to take any action. My bank account was fraudulently used on the same day my last payments were due on XXXX of the cards. So I tried to change the payment source but it was too late as they were already in process. So I went to the bank and restricted the account so the only thing that would go out of my account were those XXXX payments. Unfortuately, the bank did not honor the arrangement to cover these and they were returned. I immediately made replacement payments as I knew they would be returned from what I saw on my banking. I was charged on each of the XXXX accounts a {$25.00} returned payment fee, and a {$25.00} late payment fee. I called Cap One to explain and was told that this also was something they would not assist with due to the situation ( their insistence of document I CAN NOT get ) .I will try to upload the statements showing the credit amount account info.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: AZ

Complaint narrative:
XXXX sent me a letter, a stall letter They are asking for more verification even though I created the letter and sent the letter myself to XXXX. They are holding up the investigation of my complaint by not even conducting a complete investigation of the issues that I raised with them. Their hold up is effectively holding back XXXX and equifax from conducting their investigations as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX sent me a letter, a stall letter They are asking for more verification even though I created the letter and sent the letter myself to XXXX. They are holding up the investigation of my complaint by not even conducting a complete investigation of the issues that I raised with them. Their hold up is effectively holding back Experian and XXXX from conducting their investigations as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: GA

Complaint narrative:
Ive reached out to each credit bureau XXXX, XXXX and a Transunion regarding the XXXX XXXX Credit card thats on my credit profile. XXXX XXXX XXXX was aware that I did not authorize and make purchasing with that credit card. Upon speaking with XXXX XXXXXXXX XXXX back in XXXX they assured me if I settled and pay a portion they would remove account from credit file. I also sent them a copy of the police report which states my XXXX XXXX card stating there were unauthorized charges on my account XXXX XXXX did nothing about it. I have both conversations saved on my phone. I recorded all conversations. XXXX XXXXXXXX XXXX had me settled account stating they would move account from credit file and did not honor their word. At this point I would like for XXXX XXXXXXXX XXXX to provide me a copy of every transaction along with signatures and copy of Drivers License used to open the account. XXXX XXXXXXXX XXXX should be able to provide all this information if they are stating I allowed these charges. I know they wont be able to provide anything with my signature or acceptance. If account is not removed from credit file Im going to hold XXXX XXXX XXXX XXXX, Transunion and XXXX liable for punitive charges. Also, I would like for XXXX XXXX XXXX to provide me with the agreement stating I have them permission to share my personal information with Transunion, XXXX and XXXX. According to the Fair Credit Reporting Act I have to consent and so never did.

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 2022-12-03 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: GA

Complaint narrative:
Ive reached out to each credit bureau Equifax, XXXX and a XXXX regarding the XXXX XXXX Credit card thats on my credit profile. XXXX XXXX XXXX  was aware that I did not authorize and make purchasing with that credit card. Upon speaking with XXXX XXXXXXXX XXXX  back in XXXX they assured me if I settled and pay a portion they would remove account from credit file. I also sent them a copy of the police report which states my XXXX XXXX card stating there were unauthorized charges on my account XXXX XXXX did nothing about it. I have both conversations saved on my phone. I recorded all conversations. XXXX XXXXXXXX XXXX had me settled account stating they would move account from credit file and did not honor their word. At this point I would like for XXXX XXXXXXXX XXXX to provide me a copy of every transaction along with signatures and copy of Drivers License used to open the account. XXXX XXXXXXXX XXXX should be able to provide all this information if they are stating I allowed these charges. I know they wont be able to provide anything with my signature or acceptance. If account is not removed from credit file Im going to hold XXXX XXXXXXXX XXXX, Equifax, XXXX and XXXX liable for punitive charges. Also, I would like for XXXX XXXXXXXX XXXX to provide me with the agreement stating I have them permission to share my personal information with XXXX, Equifax and XXXX. According to the Fair Credit Reporting Act I have to consent and so never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: GA

Complaint narrative:
Ive reached out to each credit bureau XXXX, Experian and a XXXX regarding the XXXX XXXX Credit card thats on my credit profile. XXXX XXXX XXXX was aware that I did not authorize and make purchasing with that credit card. Upon speaking with XXXX XXXXXXXX XXXX back in XXXX they assured me if I settled and pay a portion they would remove account from credit file. I also sent them a copy of the police report which states my XXXX XXXX card stating there were unauthorized charges on my account XXXX XXXX did nothing about it. I have both conversations saved on my phone. I recorded all conversations. XXXX XXXXXXXX XXXX  had me settled account stating they would move account from credit file and did not honor their word. At this point I would like for XXXX XXXXXXXX XXXX  to provide me a copy of every transaction along with signatures and copy of Drivers License used to open the account. XXXX XXXXXXXX XXXX should be able to provide all this information if they are stating I allowed these charges. I know they wont be able to provide anything with my signature or acceptance. If account is not removed from credit file Im going to hold XXXX XXXXXXXX XXXX XXXXXXXX, XXXX and Experian liable for punitive charges. Also, I would like for XXXX XXXXXXXX XXXX to provide me with the agreement stating I have them permission to share my personal information with XXXX, XXXX and Experian. According to the Fair Credit Reporting Act I have to consent and so never did.

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 2022-12-03 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: FL

Complaint narrative:
TransUnion violated 15 U.S.C. Subsection 1681 ( b ) and ( c ). On XX/XX/2022 I disputed the account listed below and asked TransUnion to provide proof from the court as to the results of their investigation, to date TransUnion has failed to do so. TransUnion has failed to disclose the nature and scope of their investigation within 30 days, ( A clear violation of the FCRA ). As of todays date XX/XX/2022 TransUnion has not responded. I have enclosed evidence as proof in support thereof that TransUnion violated 15 U.S.C. Subsection 1681 ( b ) and ( c ). Therefore The following account must be removed from my credit file : XXXXXXXX XXXX XXXX  XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have inquiries on my XXXX  credit report that I did not authorize. Starting from XX/XX/2021 till now, which is XXXX XXXX. I have called numerous time and I have sent letters out regarding this issue, and it still hasnt been resolved. This is affecting my life really badly because I am unable to buy a home or do what I need to do. I went to the credit union yesterday to see about a personal loan and they analyzed my credit report. They claimed that I requested for a car loan in the amount {$17000.00}, which I did not do, They also claimed that I requested it three times in one week. I also noticed that there were two collections on my credit report, in which they were paid. XXXX claimed they removed it from my credit report, but it is still showing on my report. I have attached proof of the letters that I sent out. If you need any other proof, please request it. I have disputed these things multiple times and no one has taken it off. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXXXXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 ( a ) ( ii ) also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 ( b ) : a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
I closed our checking and savings accounts more than a year ago. I can not reach a human at Bank of America and all my efforts result in a circular web chase ( contact XXXX phone- close account- contact us- phone- close account, etc. ) Bank of America makes it inordinately difficult for those of us with XXXX jobs to contact anyone who can help. 
I filed a previous complaint and the Bank claimed they closed our account but we're still getting mail and they are threatening to charge us a maintenance fee on our closed 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 2022-12-03 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX  : # 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 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 2022-12-03 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: MS

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. 

XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 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 explanation
Consumer complaint received 2022-12-03 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: GA

Complaint narrative:
XXXX XXXX Consumer/living soul XXXX XXXX XXXX XXXX GA XXXX XXXX & Desist Account # Account name I am writing this letter to inform you that I am issuing a cease & desist on this account # & name refer to see attachment Pursuant to state & federal law I am ceasing all Communications on this account through all medium except for paper mail at this address XXXX XXXX XXXX XXXX GA XXXX Informing me that all activities and removal has been completed refusal to comply with this cease & desist will be continue in lawful action. 

Pursuant to law I did not give you a written or verbal consent to have or shear my personal information. 

Pursuant to law its a violation to have and shear my personal information without consent of any kind. And this action that you have taken has put my life in grave danger by invasion of privacy. 

pursuant to law transaction between the consumer and the person making the report is confidential Pursuant to law it is against the law/violation to be involved in racketeering activities, coercion, fraud & swindle, extortion, discrimination, & aggravated identity theft. 

You have also committed treason, depriving me of life liberty and the pursuit of happiness. 
So please stop reporting this account to the world remove these account seize all publishing activity clear my file of all inaccuracies AND RASE MY SCORE SUBSIQUENCIALLY Ignorance to the law is no reason to break it everyone must follow the law Notice is complete upon delivery This is not a dispute pursuant to your privacy police consent have/has to be given before any shearing takes place YOU HAVE 3 DAYS TO REMEDY THIS REQUEST Yours truly Original creditor XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03 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: MO

Complaint narrative:
In accordance with the fair credit reporting act .XXXX  acct # 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 2022-12-03 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: MO

Complaint narrative:
In accordance with the fair credit reporting act XXXX acct # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: NC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC [ XXXX ] To whom it my concern, The Fair Credit Reporting Act I have learned that your Consumer Reporting Agency has assumed a vital role in providing accurate and fair information to the banking system 15 U.S.Code 1681 ( a ) ( 1 ) the consumer understand the term Consumer Report does not include any transaction or experiences between the consumer ( me ) and the person making the report15 U.S.Code 1681a ( 2 ) ( A ) ( i ).

I the consumer have the right to privacy pursu 15 U.S.Code 1681b ( a ) ( 2 ). Your agency has violated my right to privacy by furnishing private information about me without any lawful author. my written consent.

or I the consumer understand that " investigative consumer report '' Means that your agency has the obligation to hold personal interviews with neighbors, friends, or associates that may have knowledge about any such items in question, However, Your agencies only go off the word of the creditor which is a violation pursuant to 15 U.S.Code 1681a ( e ) Debtor Collectors have practiced abusive practices as stated in code 15 U.S. Code 1692 - Congressional findings and declaration of purpose. I duly request that all collections be closed as they are listed as open. Account can not be validated by original contract or proof that I owe them debt with a signed agreement between myself and debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: NC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC [ XXXX ] To whom it my concern, The Fair Credit Reporting Act I have learned that your Consumer Reporting Agency has assumed a vital role in providing accurate and fair information to the banking system 15 U.S.Code 1681 ( a ) ( 1 ) the consumer understand the term Consumer Report does not include any transaction or experiences between the consumer ( me ) and the person making the report15 U.S.Code 1681a ( 2 ) ( A ) ( i ).

I the consumer have the right to privacy pursu 15 U.S.Code 1681b ( a ) ( 2 ). Your agency has violated my right to privacy by furnishing private information about me without any lawful author. my written consent.

or I the consumer understand that " investigative consumer report '' Means that your agency has the obligation to hold personal interviews with neighbors, friends, or associates that may have knowledge about any such items in question, However, Your agencies only go off the word of the creditor which is a violation pursuant to 15 U.S.Code 1681a ( e ) Debtor Collectors have practiced abusive practices as stated in code 15 U.S. Code 1692 - Congressional findings and declaration of purpose. I duly request that all collections be closed as they are listed as open. Account can not be validated by original contract or proof that I owe them debt with a signed agreement between myself and debt collector.

Company response to consumer: Closed with explanation