vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hello, I have a complaint with Capital One! Last XXXX I was at XXXX and use my credit card to make a payment. The card was rejected, and I was given a phone number to call to verify it was me making the purchase and not someone else. 
I made the call, that night, and received a confirmation number which identified me as the correct user on the account. The same night I went back to XXXX to complete my purchase and, again, the card was rejected. So I made the payment using another card. 

I call Capital One again to find out why the card was rejected, now they told me that they want me to send them a copy of my drivers license, front and back, to prove that I am the person on the account. I have had this card for many years and never experienced this before. 

I received the monthly statement which I made the full payment. 

Later I received another statement claiming that I owed another {$270.00}, I called them and made this payment over the phone which brought the account to a XXXX balance. 

Now I have received another statement claiming that I still owe another {$5.00}, which i disputed with them. They are telling me that they will not look at my account or discuss anything with me unless I send them a copy of my drivers license. This I will not do! 

I have asked them to close my account but they will not close it because they want my drivers license. 

Please help me with this situation, as they will keep charging me interest on an account which has a XXXX balance and will not close the account because I will not send them my drivers license?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with fraud alerts or security freezes — 
Company: SANTANDER HOLDINGS USA, INC.
State: RI

Complaint narrative:
I receive a email from XXXX saying I have a credit inquiry when I open the app it says that the end standard bank saying I requested a loan for Auto loan. I never apply for no loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX  XXXX XXXX employees opened deposit accounts without consumers knowledge or consent and then transferred funds from consumers authorized accounts to temporarily fund the unauthorized accounts in a manner sufficient for the employee to obtain credit under the incentive- compensation program. XXXX XXXX  XXXX XXXX employees requested debit cards and created personal identification numbers ( PINs ) to activate them without the consumers knowledge or consent. Therefore, XXXX XXXX  XXXX XXXX engaged in unfair and abusive acts or practices that violate 1031 ( c ) ( 1 ), ( d ) ( 1 ), ( d ) ( 2 ) ( B ), and 1036 ( a ) ( 1 ) ( B ) of the CFPA. 12 U.S.C. 5531 ( c ) ( 1 ), ( d ) The Affected Consumer has concluded that XXXX XXXX  XXXX XXXX acts or practices violated the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., and its implementing regulation, Regulation Z, 12 C.F.R. part 1026 ; the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( f ) ; and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5531 and 5536. The Affected Consumers issues this Complaint under 1053 and 1055 of the CFPA. 
IT IS FURTHER requested that : In the event of any default on XXXX XXXX  XXXX XXXX obligations to make payment under this Complaint, interest, computed under 28 U.S.C. 1961, as amended, will accrue on any outstanding amounts not paid from the date of default to the date of payment, and will immediately become due and payable.

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 2024-02-20 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: LA

Complaint narrative:
XXXX  XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Convergent : account 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 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 2024-02-21 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:
XXXX XXXX XXXX XXXX XXXXXXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX and TRANSUNION by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

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 2024-02-21 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX XXXX XXXXXXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN and XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

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 2024-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I received a phone call from TrueAccord stating I owe an outstanding balance from XXXX XXXX XXXX. I informed the representative that I paid XXXX XXXX XXXX in full years ago, and the debt TrueAccord is trying to collect is a fraud. On XX/XX/2024, I received an email from representative XXXX XXXX from TrueAccord ( request XXXX ) stating that this debit is ongoing under their investigation to collect a debt for XXXX XXXX XXXX. I tried to contact XXXX XXXX XXXX to find out that it is no longer in business as a financial company and has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: CA

Complaint narrative:
I did not consent to, authorize nor benefit from following inquires below. Please remove them from my credit report Transunion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-02-20 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: CA

Complaint narrative:
I did not consent to, authorize nor benefit from following inquires below. Please remove them from my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I opened a CitiBusiness Streamlined Business Checking account and money market savings account. The account came with a promo offer that would be satisfied if I deposited {$50000.00} within 30 days ( I did so on XX/XX/XXXX ), maintained that balance for 60 consecutive days ( I did, withdrawing only after XX/XX/XXXX ). I also would like to note that I deposited and held the money in the money market savings account, and the terms explicitly allow for this. The bonus of {$1000.00} was due XX/XX/XXXX, due to the language " The Cash Bonus for which you qualify will be credited to your Citibank business checking account within 90 days from the end of the month in which you complete al Offer requirements. '' However : It was not credited. On XX/XX/XXXX I contacted Citi over live chat, who directed me to phone support, who insisted on a bonus code which was not printed on my offer. I then contacted my business banker at the branch, who did not reply. Today XX/XX/XXXX I tried calling phone support again, was told they can not help me, and was given a number to the branch that did not pick up. At this stage, I no longer have confidence Citi is interested in fulfilling their side of this offer - paying out the {$1000.00} bonus - and need to escalate the matter via a CFPB complaint.

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 monetary relief
Consumer complaint received 2024-02-21 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of and delete these immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: FL

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of and delete these immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-20 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: EQUIFAX, INC.
State: NC

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.

The accounts noted on attached credit report.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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
Consumer complaint received 2024-02-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: UPGRADE, INC.
State: GA

Complaint narrative:
I recently submitted an application for a personal line of my credit to be provided to my through the Financial Institution ( Upgrade ) XXXX XXXX. Once I signed and submitted my application I can not be denied my own credit as a consumer the financial institution ( Upgrade ) XXXX XXXX  received my registered Security and should release the securities to me upon signing the application/Deed Of Trust/Promissory Note . The denial of providing me my line of credit is unlawful and goes against the consumer law and Many UCC codes. It is to my overstanding that once Upgrade provided my a contractual offer, once I the consumer signed and submitted the offer the Deed Of Trust/Application/ Promissory Note it is now worth the full value amount stated on the Financial Statement Promissory/ Application/Deed of Trust and I am to be directly compensated with the Line Of credit AND NOT DENIED. I GAVE UPGRADE/ XXXX XXXX  A SECURITY AND insist they release my securities for I am not a silent investor and as the Authorized Agent for XXXX XXXX XXXX I have gave proof of claim that I am the Authorized Entitlement Holder of this Financial statement/asset and demand my line of credit for my duty to fulfill my obligations bestowed upon me upon signing and submission of this Contracual Offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: 1ST RESULTS BILLINGS & COLLECTIONS, INC.
State: NC

Complaint narrative:
I PAID XXXX OF XXXX CLOSE TO XXXX IN OUT OF POCKET EXPERIENCES. I TOLD THEM BEFORE CONTINUING TO MOVE FORWARD WITH ANY SERVICES MAKE SURE EVERYTHING WAS BECAUSE I DON'T WANT NO HIDDEN POP UP COST. THEY REASSURED THAT THERE IS XXXX DOLLARS OWED. NOW THEY ARE SENDING FALSE SOLICITATIONS ABOUT MONEY OWED. I DON'T OWE GEORGE BROWN ASSOCIATES INC AS THEY DO NOT OWN THE CHAIN OF TITLE TO THE DEBT AND I DIDN'T ALLOW THEM TO HAVE ACCESS TO ANY OF MY PERSONAL INFORMATION. THERE ARE VIOLATION ON THE FAIR DEBT CREDIT LAWS. THIS COMPANY NEED TO CEASE AN DESIST ANY FURTHER COMMUNICATION VIA US POSTAL SERVICE OR ANY OTHER FORM OF COMMUNICATIONS. IF THEY REPORT ON ANY 3 CREDIT BUREAU AGENCY THEY ARE ASSUMING LIABLE DAMAGES FOR {$2000.00} PER DAY FOR FRAUD AND HIPPA VIOLATIONS. I HAVE FILED A CFPB COMPLAINT ON XXXX OF XXXX AND CFPB REFERRED THE COMPLAINT TO ANOTHER DEPT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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:
XXXX, Equifax, XXXX are reporting incorrect information my credit reports. I have asked them to removed these items off my report and are refusing to do so. I did not open these account and I have no choice to report these issues because I'm a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: FL

Complaint narrative:
XXXX, XXXX, Experian are reporting incorrect information my credit reports. I have asked them to removed these items off my report and are refusing to do so. I did not open these account and I have no choice to report these issues because I'm a victim of identity theft.

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 2024-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
This company has violated my rights to privacy pursuant to the Privacy Act of 1974 and has purchased my non public personal information without my consent. I do not and never had a contract with this company. I have sent the company, Resurgent Receivables LLC, disputes and correspondences asking them to provide me with proof that they are licensed and/or bonded to collect in my state. I never did business or signed a contract with this third party which means they can not legally collect on a debt they allegedly say I owe. I asked them to explain to me how you are able to collect because I checked XXXX to verify and they are not licensed or bonded to collect in New Jersey. 

P.s. I attached the proof that they aren't licensed or bonded to collect in New Jersey.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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:
TransUnion, XXXX, XXXX are reporting incorrect information my credit reports. I have asked them to removed these items off my report and are refusing to do so. I did not open these account and I have no choice to report these issues because I'm a victim of identity theft.

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 2024-02-20 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: WA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I need the lady that called me on XX/XX/XXXX to call me back to give me details on my check that she said i will be receiving in 7 days. I need to know if or when it will be sent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Financial Business and Consumer Solutions.
State: GA

Complaint narrative:
On XXXX/22 at XXXX, FBCS , a debt collector company, sent a text stating I was enrolled in notification services. I did not give consent to these messages and/or notifications. I did unsubscribe, however I do wish to file a formal complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: CO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation