vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have been trying to remediate XXXX fraudulent credit card purchases for a Bank of America credit card ending in XXXX for over two years now. This credit card incurred XXXX charges for a subscription service named XXXX  - these transactions were not authorized and I have written proof of this in the shape of an acknowledgement by the vendor. I have repeatedly provided this information to the charge-off department at Bank of America XXXX the fraud department at Bank of America XXXX and the customer relations department at Bank of America XXXX A previous claim I submitted in XXXX resulted in an XXXX merely confirming that Bank of America 's reporting matched that of the credit bureau 's instead of actually investigating the issue - that unauthorized transactions resulted in a dormant credit card going delinquent unbeknownst to me. Bank of America has repeatedly, over and over and over refused to hear me, refused to consider the fraudulent nature of these transactions, and maintained that after 15 years of never being late with a payment, that I should be marked with broad financial consequences over {$30.00} in charges I never authorized. I have little hope this will resolve anything - like I said the last time my concerns were not even addressed and I wonder what the point of the CFPB even is if not to help the little guy suffering at the hands of a financial titan. I have a credit score over XXXX, no delinquencies other than this fraudulent claim by Bank of America and because of it I cant even get a car loan. I would like to add that I believe I am being unfairly targeted by a supervisor in the Bank of America charge off department - she has repeatedly said that she will categorically deny any claim to resolve this irregardless of what additional information I provide.

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 2022-05-24 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: LA

Complaint narrative:
I went to a dealership to get a car at XXXX and now I have XXXX Inquiries. 
XXXX XXXX XXXX XXXX, XXXX of XXXX, XXXX XXXX XXXX VG XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I have a few here that was never given permission for XXXX XXXX and 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 2022-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
On XX/XX/2022 I applied for a OneMain Financial Loan and got approved. Upon approval, my credit score took a hit across XXXX, XXXX and XXXX. Once submitted criteria requirements for next steps, the loan provider called me and closed my account leaving me with no loan and a hit to my credit score across XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TN

Complaint narrative:
Not to long ago I went to get a Western Union payment, for some reason they told me I was not able to get it. Due to to many money transactions with western Union and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a account under open end consumer credit plan as late for 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 2022-05-24 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: TX

Complaint narrative:
I have disputed the late payments with XXXX XXXX  formally known as XXXX XXXX  on account number XXXX for a XXXX XXXX XXXX This vehicle was awarded to my ex wife XXXX XXXX XXXX, Social Security number XXXX in our divorce decree. Cause NO. XXXX. 

XXXX XXXX Beginning XX/XX/XXXX, XXXX XXXX XXXX is ORDERED to provide timely payment of any and all debts secured by the XXXX XXXX  XXXX awarded to her herein. IT IS FURTHER ORDERED that at the time that XXXX XXXX XXXX receives her portion of the equity from the marital residence as stated above, any and all debts secured by the vehicle awarded herein shall be paid in full from her share of said proceeds.

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 2022-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
received a collections letter on three different transactions for three different days they claim it was three different checks written to XXXX XXXX in XXXX. i never went to this place and never cashed anything. I asked for proof and copies of these three checks and all i got was some signatures that do not match. You can also clearly tell all three do not match each other in anyway. They also could not provide me with any pictures of these three checks and claim they gave the checks back to the person. I have filled a police report and waiting on them. This is 100 percent forgery and fraud. I want to press charges to the fullest for thinking they could do something like this with my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Advance America, Cash Advance Centers, Inc.
State: IL

Complaint narrative:
A fraudulent payday loan was opened in my name in a Indiana store location. I'm a Illinois resident and never took out a payday loan with Advance America.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have tried to dispute this account with Kay XXXX multiple times as it is not my account and is showing as closed - charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: Home Loan Center, Inc.
State: SC

Complaint narrative:
I have a collection XXXX from XXXX XXXX which was fraud. My brother use my personal information with my consent. The amount of the collection in the amount of {$900.00}. I have small loan inquiries which I never applied for. I already informed the FBI about the issue. And I am a victim of mail theft and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: NC

Complaint narrative:
I did not consent to, authorize nor benefit from the following inquiries. Block and remove them. 
XXXX XXXXXXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX 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 2022-05-24 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: CA

Complaint narrative:
On XX/XX/2022 I applied for the Capital One QuickSilver credit card through my XXXX credit report. I applied to help build my credit file back up and it was a high recommendation from XXXX. I was approved for {$500.00} limit and was sent the card by mail. I made a couple of purchases and made my payments before due date. However, when I logged into my Capital One account, noticed that they suspended my card limit. When I contacted their XXXX number, I was told they needed to verify my identity. I asked didn't you do it when I applied. I was told they could not check my credit. I told them I locked my credit reports because I was a victim of identity theft, and they would have to contact me first before pulling my credit. I asked to speak to a manager. And when she came on the phone, I told her if you need to check my credit, I will open it but I do not keep it open because of identity theft. She told me I would have to provide a copy of my ssn, XXXX, and a copy of a bill showing my address. That happened on XX/XX/2022. After I got off the phone with her, they emailed me a list of the documents needed and a link to upload the documents. I did upload the documents they requested the same evening. The Manager told me it will only take two weeks to confirm my identity and that is all they would need. I just received a letter. which is way past two weeks, in the mail from them requesting me to contact them. I did call them on XX/XX/2022 and I was asked to send in the same documents again. At that point I was livid and requested to speak to a Manager. A male came on the phone and I explained to him that I uploaded those documents on XX/XX/2022. He stated he will check and to give him XXXX minutes. He came back stated he found the documents. Then, proceeded to tell me that they need a few more documents. He asked me to send three months worth of my Bank Statements. Then I became furious with them and ask him why areyou asking for my Bank Statements after I was told what I sent was all you needed. At that point, I felt like they were discriminating against me and asking for items that are irrelevant and illegal. At that point, I told him I will be contacting XXXX XXXX and logging a complaint against them for unlawful requirements. I see if I applied for a {$100000.00} card or more but {$500.00} limit credit card. I feel I am being wrongfully treated by Capitol One. I want Justice an apology issued from them and to release my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: CA

Complaint narrative:
Experian fails to delete account in question after i pointed the obvious inaccurate reporting of account name XXXX XXXXXXXX I asked experian to delete this account because this company does not own it, there fore they don't own it they can not report on 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 explanation
Consumer complaint received 2022-05-24 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my Rights 15 U.S.C 1681 section 602 A. States I have 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
Consumer complaint received 2022-05-24 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: ProCollect, Inc.
State: FL

Complaint narrative:
I placed a dispute with this company regarding this issue first being XX/XX/XXXX and again XX/XX/XXXX ( see included attachment for proof of dates ), I informed PROCOLLECT INC of my FTC report filed both on my own as well as through the CFPB. I also physically have written a dispute about the fraudulent accounts opened in my name. All this I have done thinking it would be taken care of and to no avail. According to 15 U.S. Code Sec 1681c-2 ( a ) ( 4 ) BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT they must block this fraudulent information from reporting once I ( the consumer ) informed them that the information is not information relating to any transaction by me ( in this case the FTC reports I have filed as well as my written a dispute to this company informing them of the theft ) by law this information I have identified as fraud is to be blocked no later than 4 business days after date they received my filings. This is very upsetting because after years of dealing with this situation I am still going through this pain staking issue rehashing old feelings of being defrauded. I am being hindered by this and need closure or will have no choice but to seek other means of mitigation through litigation. I also have no bills so my proof of address is located on my license and will have to be sufficient.

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 2022-05-24 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:
I called and told that couple of days ago I got my credit report and noticed some inquiries that Ive never authorized and I tried to dispute them via phone and they refused to help me. I need this inquiries off my credit as soon as possible.

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 2022-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Email : XXXX ( XXXX XXXX )/ XXXX ( XXXX XXXX ) Zelle XXXX ID : XXXX Phone : XXXX XXXX On XX/XX/22 my son was incarcerated at XXXX XXXX XXXX XXXX The arrest information including his address was made public by the jail which is how this person knew to contact me. I had made several calls to local bail bondsman about the case and this person called at about XXXX XXXX  and said he was from one of the agencies I had called. He had me Zelle the money ( {$1000.00} ) for the bond to him. It wasn't until a few hours later when I spoke to the correct agencies that I realized this person lied to me. I do have the email with the fake document he sent as well as an audio recording of him requesting the money. He presented to be someone else and stole my money. I have also alerted the FBI Internet Crimes Unit. Under Regulation E, this money needs to be returned. Zelle told me even though they know it was a scam they can't return the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received from Bank of America, Alaskan Mileage Plan. Statement payment information a account number for Visa Signature. I contacted Bank of America today XX/XX/2022 this is the day that I received the statement through the mail credit line of {$10000.00}. I was told by Bank of America that also a MasterCard was opened up in my name for the dollar amount of {$10000.00}. No charges have been made on either cards.

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 2022-05-24 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: TX

Complaint narrative:
I have disputed the late payments with XXXX Bank formally known as XXXX bank on account number XXXX for a XXXX XXXX XXXX This vehicle was awarded to my ex wife XXXX XXXX XXXX, Social Security number XXXX in our divorce decree. Cause NO. XXXX. 

XXXX XXXX Beginning XX/XX/XXXX, XXXX XXXX XXXX is ORDERED to provide timely payment of any and all debts secured by the XXXX XXXX XXXX awarded to her herein. IT IS FURTHER ORDERED that at the time that XXXX XXXX XXXX receives her portion of the equity from the marital residence as stated above, any and all debts secured by the vehicle awarded herein shall be paid in full from her share of said proceeds.

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 2022-05-24 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: TX

Complaint narrative:
I have disputed the late payments with XXXX Bank formally known as XXXX bank on account number XXXX for a XXXX XXXX XXXX This vehicle was awarded to my ex wife XXXX XXXX XXXX, Social Security number XXXX in our divorce decree. Cause NO. XXXX. 

XXXX XXXX Beginning XX/XX/XXXX, XXXX XXXX XXXX is ORDERED to provide timely payment of any and all debts secured by the XXXXXXXX XXXX XXXX awarded to her herein. IT IS FURTHER ORDERED that at the time that XXXX XXXX XXXX receives her portion of the equity from the marital residence as stated above, any and all debts secured by the vehicle awarded herein shall be paid in full from her share of said proceeds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: LA

Complaint narrative:
I went to a dealership to get a car at XXXX and now I have 4 Inquiries. 
XXXX XXXX XXXX XXXX, XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I have a few here that was never given permission for XXXX XXXX and 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 2022-05-24 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: LA

Complaint narrative:
I went to a dealership to get a car at XXXX and now I have 4 Inquiries. 
XXXX XXXX XXXX XXXX, XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I have a few here that was never given permission for XXXX XXXX and XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I contacted transUnion to remove this inaccurate information and they responded by saying it was verified and would remove on my record and it was not verified please remove this information or provide the court that provided this information but the court does not supply information to the credit bureaus. Please remove from my pubic record. Its a violation of the FCRA LAW.

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 2022-05-24 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: CA

Complaint narrative:
I have carefully reviewed my credit report in Equifax and have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be corrected immediately or I will file for litigation. 

XXXX BANK XXXX, XXXX BANK XXXX, XXXX XXXX

Company response to consumer: Closed with explanation