vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-04 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I XXXX XXXX noticed on XX/XX/2022 that I had a new inquiry on my XXXX credit account from Wells Fargo trying to get an loan. I XXXX XXXX never tried to apply for a loan with Wells fargo for the simple fact that I know I wouldn't have got approved myself. I don't know how much the loan was placed for.So i'm asking that the inquiry get removed from my XXXX account because I didn't apply for a loan. I wasn't in need of a loan at the time the loan was placed.

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 2022-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Citibank- formerly my Sears card which I got solely to buy a new frig at their store - recently and arbitrarily reduced my credit limit from {$7000.00} to {$2000.00} for no good reason ( allegedly from non-use! ). This bullying tactic has just brought my XXXX  score down by XXXX points, from a constant excellent to just good. This is so nonsensical to me - most credit cards providers are happy when someone is responsible with their expenditures, payments and balances, Citibank is punishing me for it. I've had credit cards for years that I don't use all the time but they have never done this. They must be in some financial stress over there to punish me for what little bit of revenue I might provide with an expenditure I don't even wish to make at this time. It doesn't reflect well on Citibank as a financial institution to resort to this kind of coercion. I have written to them, saying that if they restore my normal credit limit ( {$7000.00} ) immediately I will put their card into my current spending rotation. But that doesn't feel right to me to have to do this. They have overstepped. I was deep in debt a few years ago, well over $ XXXX and I have worked hard to pay it off, and to keep it paid off. And to change my behavior. If I cancel their card, my credit score will drop even further. For being good! This can't be right. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: MI

Complaint narrative:
I have tried to send letters to XXXX, Equifax, and XXXX. 
I have not been able to get these addresses removed on my credit report. I do not live at these addresses. I have never lived at the following addresses listed. 
My current and only address is : XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
Phone call made by Portfolio Recovery from phone number XXXX on XX/XX/2022 when no contact was requested on XX/XX/2022 when they called from a different phone number. I blocked the previous number they called from but then they called again from a different number when I asked them not to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04 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: NY

Complaint narrative:
Im accordance to the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1666- correction of billion errors ( Accounts ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor

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 2022-06-04 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: NY

Complaint narrative:
Im accordance to the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1666- correction of billion errors ( Accounts ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached an FTC report with a collection and inquiries I did not authorize

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 2022-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capitol One reported me late 1 30 day late which I was and I was over my limit by XXXX I received a settlement in the spring of 2019 and paid in in full. Then later it was stolen about a week later I called them and they did block it and never sent me another said they could not verify me so not only did they not send me another card and report me XXXX 30 day late I never got the opportunity to correct this due to they close my account because of not activity in a year well I can't use the card if you don't send a new then also the whole argument was they wanted to send a copy of my ss card I was not willing to do that and the social security office informed me that it is illegal to use this as a form of identification I offered to walk into one of the Capitol one banks in XXXX XXXX they told me no. I have also be getting emails from them that I am pre-qualified but I am constantly denied to have a card with them because they have some kind of block on my acct for fraud so I am never issued a card this card was issued right after my bankruptcy and I paid it off I don't who is committing fraud by paying off someone else credit card please delete entry with ALL credit bureaus and correct my file with your company and if you really do not want me to have a card then please stop sending me pre applications.Its seems as I am being punished because I paid it off and did not have any more lates closing my acct has affected my credit as you closing accts you loose point. please correct rapid rescore me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Phone call made by XXXX XXXX from phone number XXXX on XX/XX/2022 when no contact was requested on XX/XX/2022 when they called from a different phone number. I blocked the previous number they called from but then they called again from a different number when I asked them not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was looking over my report and I see you guys marked me as late on XX/XX/2022. According to 15usc 1681 ( A ) you are not supposed to do this.

I also asked for A copy of THE contract to include TRUTH in LENDING DISCLOSURE and HAVE STILL NOT RECEIVED IT. 

I also SENT a MOney order BUT HAVE STILL NOT RECEIVED CONFIRMATION of this OR SEEN IT POSTED TO my ACCOUNT. THEREFORE UNDER UCC Article 3 YOUR FAILURE TO APPLY and DISCHARGE the DEBT REPRESENTS A BILLING error. 12CFR 1026.13 ( 3 ) ( 4 ) ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: PA

Complaint narrative:
The Credit bureaus stated my account was properly investigation but how Is that possible if the open date IS inaccurate, the date last active is inaccurate, and date last reported is not accurate. The account is still open and in collections.

This ground for removal they also violated my rights under 15U.S.C 1681 section 602 A. States have the right to privacy.

15U.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 2022-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have tried to send letters to XXXX, XXXX, and Transunion. 
I have not been able to get these addresses removed on my credit report. I do not live at these addresses. I have never lived at the following addresses listed. 
My current and only address is : XXXX XXXX XXXX XXXX, MI 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 2022-06-04 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have tried to send letters to Experian, XXXX, and XXXX. 
I have not been able to get these addresses removed on my credit report. I do not live at these addresses. I have never lived at the following addresses listed. 
My current and only address is : XXXX XXXX XXXX XXXX, MI 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 2022-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp.
State: CA

Complaint narrative:
True Accord has violated my rights. 

15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of anydebt_ 15 usc 1692b ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; 15 usc 1692b ( 2 ) not state that such consumer owes any debt ; 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  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 2022-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Credit & Collection, Inc.
State: TX

Complaint narrative:
I have sent you guys a letter dated XX/XX/2022 & still have not got a response. 
XXXX  Nation Wide used my identity and fraudulently opened this account and reported these derogatory accounts to all credit reporting agencies. They've violated my rights pursuant to FDCPA section 807 by false and misleading reporting. I've also been violated of my rights pursuant to 15 USC 1692D ( 4 ) just for parking the debt on my credit report trying to get me to pay it. I do not have any contract with my signature on it with this company. I've never done any business with XXXX nor have I ever given them any of my information, so this is also a violation of my rights pursuant to 15 USC 1681A ( Q ) ( 3 ). I also never gave this company consent to report this alleged owed debt to my credit report, so this is another violation of my rights as a consumer pursuant to 15 USC 1692c ( b ). This alleged owed debt is furnished on my consumer report in a positive amount. It is impossible to pay on a positive balance. This is false and misleading and a violation of 15 USC 1692e ( 2 ) ( A ). Because this debt does not belong to me, nor am I obligated to pay it pursuant to 18 USC 8, I demand that this company cease and desist all communication and fraudulent activity reporting ASAP. This complaint will be forwarded to the Attorney General, FTC, XXXX and CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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: GA

Complaint narrative:
I XXXX XXXX noticed on XX/XX/2022 that I had a new inquiry on my TransUnion credit account from XXXX XXXX trying to get an loan. I XXXX XXXX never tried to apply for a loan with XXXX XXXX for the simple fact that I know I wouldn't have got approved myself. I don't know how much the loan was placed for.So i'm asking that the inquiry get removed from my TransUnion account because I didn't apply for a loan. I wasn't in need of a loan at the time the loan was placed.

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 2022-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Credit agency will not update my personal information correctly they are not following my consumer rights. I mailed 2 letters they updated both times but still left information that does not belong on there because it is inaccurate. The names on my report is inaccurate cause they are not spelled right. The address on my report is inaccurate, cause I DO NOT live there anymore, I am not reachable at the other addresses, I would like to prevent identity Theft. Also I no longer work for that employer.

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 2022-06-04 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: NC

Complaint narrative:
There is information thats on my credit report that is a result of identity theft. I did not provide written information or instructions for the identified transactions to be report on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I received a statement in the mail for a checking account and a money market account that I did not open. I contacted the bank and reported it as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04 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: PA

Complaint narrative:
The Credit bureaus stated my account was properly investigation but how Is that possible if the open date IS inaccurate, the date last active is inaccurate, and date last reported is not accurate. The account is still open and in collections. 
This ground for removal they also violated my rights under 15U.S.C 1681 section 602 A. States have the right to privacy.

15U.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 2022-06-04 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: PA

Complaint narrative:
The Credit bureaus stated my account was properly investigation but how Is that possible if the open date IS inaccurate, the date last active is inaccurate, and date last reported is not accurate. The account is still open and in collections.

This ground for removal they also violated my rights under 15U.S.C 1681 section 602 A. States have the right to privacy.

15U.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 2022-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX manipulated the amount of a transaction to coincide with a particular number used to intimidate and manipulate, and coerce me. ( Tort of Deceit ). 
See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04 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 XXXX XXXX Account # XXXX, XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, 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 non-monetary relief