vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2023, I sent via certified mail to the headquarters of capital one financial corporation addressing the XXXX XXXXXXXX XXXX and the legal department, my legal tender of payment ( Bill of exchange ), Along with the instructions regarding account ending in XXXX. Capital one responded XX/XX/2023, stating my request could not be acted upon because I was currently the primary account holder, and responded on XX/XX/2023, stating in order to fulfill my request that i could either call or mail in the documents for my consent to this request. I then proceeded to call and spoke to a representative named XXXX ID number XXXX and a supervisor named XXXX ID number XXXX, neither of the persons i spoke to knew what i was explaining and denied my request saying that it was not accepted and that they do not accept the form of payment that was sent via certified mail. On XX/XX/2023, I mailed my petition for equitable relief to the clerk of court for the United States district court in the eastern district of North Carolina. On XX/XX/2023, I sent via certified mail another bill of exchange for accounts ending in XXXX, and XXXX. On XX/XX/2023, I received notifications from XXXX that both accounts were closed by XXXX. I then called customer service to speak to a representative regarding the accounts being closed, i was told i would be receiving in the mail as of why they were closed. On XX/XX/2023, I received the letter in the mail stating my accounts were being closed ( illegally ) and stating that i was still responsible for paying until account reaches XXXX. On XX/XX/2023, I sent via certified mail to the XXXX XXXX XXXX an affidavit of truth & a cease and desist letter with the demands from i, the consumer, along with proof of the violations that occurred upon closing my accounts illegally, and a bill of particulars for each and every violation that occurred because of capital one 's actions. Capital one is in breach of fiduciary duty which is a violation of civil money penalty 12 USC 504. Capital one has willfully violated 12 USC 504 and is knowingly in violation of 12 USC 504 and has still not complied. Capital one is also in violation of 15 USC 1666d and several other codes listed in the attachments provided. I hope this matter is resolved in good faith for I have been damaged by capital one 's illegal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma, LLC
State: CA

Complaint narrative:
The last few months I became a member with XXXX XXXX. Recently I received several emails stating XXXX a excellent match for some credit cards. I applied for two cards. One with XXXXXXXX XXXX and the other one XXXX XXXX. I was denied. Upon contacting both credit card institutions I was told Credit Karma reports fraudulent information to its customers logging in to keep their numbers up. I have supporting conversations between Credit Karma and myself with apologies for reporting fraudulent information to there consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
When XXXX XXXX was taken over by US Bank I was told that if I go over or don't have enough funds they would supply a {$50.00} XXXX, that has not happened I was told US Bank has real time transfer I transferred {$50.00} to XXXX around XXXX this morning and the money still has not hit account??? Now I'm being told that it will take XXXX business days so I am without money until possibly Tuesday. 
Fraud I never reported anything fraudulent but as of XX/XX/23 every transaction is flagged fraud without my authorization. I can't get in contact with customer.

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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FC HoldCo LLC
State: VA

Complaint narrative:
FLAGSHIP CRD Account # XXXX This account is reporting inaccurately and incomplete. I have requested documentation from this Financial Institution and have not received a response or the information I requested. It has been pass 30 days. 

Certified Mail Receipt : XXXX XXXX XXXX XXXX XXXX XXXX I have been disputing this account and no proper investigation has taken place and this is a violation to my consumer law rights and my mode of living. 

This account needs to be deleted from all XXXX consumer reporting agencies immediately.

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 2023-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX Santander withdrew {$10000.00} from my XXXX XXXX XXXX. I had requested the transfer from XXXX XXXX on Santander 's website. I have accounts with both banks. The money left my account with XXXX XXXX but never made it to my account at Santander. 

On XX/XX/XXXX I called Santander customer service, and again on XX/XX/XXXX. On each call, I was given conflicting information about where my {$10000.00} was and how I would get it back. 

On XXXX I called Santander Customer Service again and was told they had no history of withdrawing the money, or that I had requested the transfer. 

On XXXX I went to the local Santander Branch in XXXX. The local rep spent an hour calling different departments within Santander and finally, it was resolved that I would receive my money on XXXX. 

On XXXX I never received my money. 

On XXXX I went back to the local branch at XXXX XXXX XXXX in XXXXXXXX XXXX They told me there was nothing they could do and to go to XXXX XXXX. XXXX XXXX has been helpful all along and has told me they can't request the money be recalled as Santander pulled the money. 

I had the local police come to the local branch to help encourage the branch manager to escalate the issue. She was unable to do anything to resolve the situation. ( XXXX XXXX was on speakerphone during the entire time. ) I then called the fraud department with Santander and had XXXX XXXX on the call. After XXXX minutes the fraud department said they would file an internal complaint. They will not issue me a provisional credit, even though I brought this to their attention on XX/XX/XXXX and this is over the 10 days they are required to refund me the money per Reg E.

The representative from Santander ( fraud specialist # XXXX ) ultimately said she was putting me on hold, but actually hung up on me.

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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a complaint last XX/XX/2023 and it was closed immediately and marked as no further action with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ). I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-10-06 00:00:00
Product: Credit reporting 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 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 non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Complaint Against Chase Bank for Unjustified Account Closure and Prolonged Holding of My Legitimate Assets Dear Consumer Financial Protection Bureau, I am writing to express my serious concerns and distress over Chase Bank 's unreasonable closure of my account and prolonged withholding of my legitimate assets. Their actions have caused me significant harm and have severely impacted my daily life. 
The extended retention of my funds has led to a detrimental drop in my personal credit score as I have been unable to make timely credit card payments. All my money is held within this Chase account, leaving me without even the means to afford basic necessities like food. 
Despite numerous attempts to communicate with Chase customer service, I have been met with resistance and lack of assistance. Notably, a representative from Chase 's fraud department named XXXX displayed particularly egregious behavior. Upon sensing my intention to lodge a complaint, XXXX refused to provide their employee ID, made baseless accusations that I was profiting from my personal account, and attempted to manipulate me verbally into admitting as such. This conduct has added to the distress I am experiencing. 
Given the grave implications of this ordeal on my life, I am urgently requesting : Immediate reinstatement and unlocking of my account. 
The prompt return of my legitimate assets. 
Restoration of my account functionalities. 
Compensation for the distress, inconvenience, and financial loss incurred due to their actions. 
I am relying on the Consumer Financial Protection Bureau 's assistance in resolving this urgent matter, restoring my trust in the banking system, and ensuring that such actions by financial institutions are addressed swiftly and justly. 
Thank you for your attention and intervention. I await your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc.
State: CA

Complaint narrative:
I was alerted by Square that an account had been opened in my name. I thought it was spam at the time as it was an email alert. Then a few weeks later a Square Business Account debit card showed up at my home address with my nickname addressed on it. Right away this became suspicious as my accounts are all under my legal name, not my nickname. I contacted Square and they closed the account right away for fraud, but let me know the account was opened with both my birth date, social security number and my home address. The only thing that did not match was the account was linked to a phone number that was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by XXXX and TransUnion credit bureaus. 
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX, XXXX 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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: PA

Complaint narrative:
I am filing a complaint due to inaccurate information on my credit report, specifically to my account at XXXX XXXX XXXX with an account number of XXXX. This account is reporting inaccurate information such as payment history, date of last activity, payment status, etc. 

I am not even aware of why this account is in charge-off status. I have paid this account in full, and I don't have any financial obligations with them anymore. 

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a victim of identity theft. I filed a police report and a FTC report according to the FCRA and submitted disputes to the credit agencies. These disputes are not being processed correctly and the paperwork is not being submitted. 

These are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am a victim of identity theft. I filed a police report and a FTC report according to the FCRA and submitted disputes to the credit agencies. These disputes are not being processed correctly and the paperwork is not being submitted. 

These are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I received several calls from Navient saying I owed a student loan to XXXX XXXX XXXX. I never took out a loan from XXXX XXXX XXXX. I asked them is the call recorded they stated yes. The dates that they provided for XXXX state was inaccurate as I did not attend and those said dates. I paid private pay out of my own pocket with XXXX state and I can provide proof if needed. I asked them to provide me the documents I signed with me taking out a loan to XXXX state nothing was never provided. They also have this delinquent on my credit report for 180 days messing up my credits profile. Please pull calls that were made to me. I told them they have inaccurate information as it pertains to me and I have no idea where they get that information from. Please assist me with resolving this matter. I also have PSLF all of my loans should be in that status. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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.

has violated my rights. Or a list of inquiries : 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 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 response to consumer: Closed with explanation