vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-13 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: FL

Complaint narrative:
I have a standard credits card with CapitalONE bank, with a credit limit of {$500.00}. 
I am an XXXX XXXX I wanted to use the card to make payments, planning to payoff the full statement amount every month. 
I do not intent to have a credit in time, I am living with XXXX debt and I will keep doing so. 
I requested this new card because I had a credit score of XXXX, and I am aiming to reach XXXX. 
The system told me it was needed to increase the credit account numbers I have. So I requested the CapitalONE credit card. 
I received it a couple of months ago. 
During the request process, I had to upload to them the requested documents at least XXXX or XXXX times. They were keeping asking me to repeat the upload. Finally they released the credit card. 
One day, while paying at a gas station, they blocked it. And I had to upload again and again the same documents they already asked me few weeks before. Eventually they unlocked it. 
Then a few weeks ago they charged me the full statement about twice. So the debited my bank account for twice the full statement amount, going into a negative credit card balance ( balance of about minus XXXX XXXX and XXXX dollars. 
Buy right after, they blocked the card again, requesting again and again to upload the same documents as before. 
I uploaded as usual, as a proof of address, a recent bank statement, plus my XXXX XXXX XXXX mobile invoice, the bill of my vehicle insurance, the invoice of my medical plan, and more. My Company pays me the residence and all utility bills, so I can not produce landline or electricity bills. But I gave them a signed and stamped letter from my Company ( in a letterhead paper ), explaining the situation, and confirming my residence address. 
Anyway, all the uploaded documents have previously been evaluated positively, because with those they initially released the card ; and with the same documents they unlocked it the first time they locked it. 
Buy now it is several weeks the card is still blocked, I also have s credit ( my balance is XXXX ), I uploaded again and again all the required documents, but still they keep my account blocked and they keep my credit. 
No explanation given. 
Please note they accurately never write anything, but they call, so to do not leave any trace of what they are doing. For example, there is no trace of my 10+ uploads of the same documents, over and over. 
Of course I deeply regret I started to engage with XXXX, XXXX requesting their card obviously made my score to decrease for their hard check. I do not want to start again with some other bank, so I have to stick with them. 

Please assist me on unlocking my account. Please advise if I have to take any further action, and which one. Thank you in advance for the assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
Will provide proof of identity theft police report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-07-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Please remove it from my credit report.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Delete this account. 
1. The following personal information is incorrect Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX  CARD Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. 


10. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : 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 2023-07-13 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
this account is past legal time allowed to be reported immediate removal under federal law collection/ charge off under fema diaster codes DR-4332 hurricane Harvey EM-3458-Tx covid-19

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: WA

Complaint narrative:
XXXX Last reported XX/XX/XXXX {$250.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened Account status XX/XX/XXXX ( XXXX yrs, XXXX mos ) Open XXXX  Last reported XX/XX/XXXX {$720.00} Open balance XXXX XXXX XXXX  XXXX Original creditor XXXX  Opened Account status XX/XX/XXXX ( XXXX mos ) Open Type Responsibility Remarks Individual

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 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2023 Bank of America opened a new account in my name without my knowledge or permission. I went on my mobile app on Sunday XX/XX/2023 and noticed a pop up message saying that my new account is now open and they are mailing my card to an old address that bank of America had on file 10 years ago. I was horrified seeing this new account along side the account I pay my rent from. I'm a single parent dealing with a domestic violence situation. So it shocked my to my core! I did not sleep thinking how is this happening. I called as soon as the sun came up. They were not apologetic my rather carelessly saying that it's the internet. I said how when you need to provide so many key credit details to open an account. They ignored the question and said that they would just close the account. They gave no confirmation number even though I asked for it repeatedly. They then sent me and email saying steps to take since this has happened as if I was requesting info because I needed it. Even that email made it seem like they were being deceptive. I asked that my bank cards be replaced they said there is no need. I went in to the branch the next day to request them in person. I'm overwhelmed with the amount of things that I now have to change because I feel so violated. Then I went home and saw this on the news and knew that I was a part of the whole scamming of their loyal customers. It's really hurtful. At one point during the pandemic they were charging so many XXXX $ over drafts I called crying begging them to stop. I have two little boys to feed, really makes my stomach hurt to know how hard we work and they don't value us.

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 2023-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I have sent 3 letters to Navy Federal asking them to provide me with documentation required by law with my signature showing I had some contractual obligation to pay them this alleged debt for {$6700.00}, they are reporting to the Credit Bureaus. They have refused to respond. I am also filing a complaint with the XXXX  and my state attorney general XXXX XXXX because I have documented proof they have violated federal and state laws. I have asked for validation associated with this account, bearing my signature. In the absence of any such documentation, I am formally requesting that this information be deleted from my credit files immediately. 

On XX/XX/2023 at XXXX XXXX Navy Federal signed for my XXXX letter requesting within 30 days to validate the account or delete it. They did not respond or delete the information. 
On XX/XX/2023 at XXXX XXXX Navy FederaXXXX signed for my 2nd letter, informing them by not replying in a timely manner ( 30days ) to my initial letter dated XX/XX/2023, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
On XX/XX/2023 at XXXX XXXX. Navy Federal signed for my 3rd letter informing them they also did not mark the account as being " disputed '' required within 30 days under federal law.

FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: NY

Complaint narrative:
I filed a complaint on XX/XX/2023 ( XXXX ) about TransUnion 's failure to remove 4 hard inquiries from my credit report. 
After doing nothing for approximately 45 days, they responded with this nonsense : " After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. In order to complete your request, we need to verify your identity. We sent you a letter to request proof of your Social Security Number that included a list of acceptable documents and provided instructions on where to send it. '' Their response is absurd but, to add insult to injury, as of today, XX/XX/2023, I have not received their letter. 

The CFPB, theoretically functioning to protect the interest of consumers, has done absolutely nothing. 

Although I don't anticipate a response, I have sent copies of the original complaint and this one to the New York State Attorney General 's Office.

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 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A.
State: NC

Complaint narrative:
The intro bonus offer for the cash back rewards card was denied after meeting the terms and qualifications of spending {$1000.00} during the first 3 billing cycles upon opening the account. 
On XX/XX/XXXX XXXX XXXX XXXX I called PNC customer service at XXXX to inquire on why I had never received my promotional offer. The service agent stated that i had signed up for the card during a promotional black out date that began XX/XX/XXXX - XX/XX/XXXX. This is nowhere stated on the terms and conditions upon signing up. The website is currently unchanged and the terms still do not reflect such verbiage ( XXXX ). I requested to escalate the conversation and speak with a manager, which then resulted in me speaking with an American woman who then stated she could not find a sign up code and that I indeed signed up on a supposed " black out date. '' However, upon her verification of the PNC Website, she confirmed the offer had not changed and there were no black out dates stated. My issue was then written up to be forwarded to higher. On XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX, I recieved a follow up call from PNC ( XXXX ) and was greeted by a service representative who wanted to know if my problem had been resolved to which I replied " No, the problem has not been resolved and I am still waiting on confirmation that my complaint has been reviewed for the issue of not having received my promotional bonus upon meeting the guidelines ''. At or around XXXX on XXXX XX/XX/XXXX, I received another call from PNC stating that my claim had been denied without further explanation, no confirmation either written or emailed after my request. The representative apologized and stated that due to length of time in which the promotion was due to be given was too far off, that I would not be receiving it whatsoever. My response was " the reward should have been automatically applied to my statement, since it is not my job to do PNCs job. '' The integrity of this bank is reflecting poorly by the way it has handled this situation. Many other customers may have applied for this card just as I did via the PNC website with the intent to apply for a card with a bonus offer, however, it seems that they may have been defrauded of their time, mental well being, and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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:
XXXX, XXXX XXXX Transunion is obligated by the FCRA to report accurate accounting, Consumer has advised that ALL inquiries and collection acct reported was fraud. Said company has 4 days according to the Law to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX, XXXX XXXX Transunion to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX, XXXX XXXX Transunion has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an e-oscar report, if XXXX, XXXX XXXX Transunion does not have documentation to show these were in fact authorized, it must be removed as soon as possible. SAID company is liable under the SEC to follow certain rules. XXXX XXXX file number XXXX :, XXXX XXXX XXXX. XXXX XXXX XXXX : Transunion commission file number XXXX : XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX Collection Acct XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX Balance {$4100.00} Account numberXXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number 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 2023-07-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-07-13 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Hello, I sent a letter regarding inaccurate and unknown items on my credit report on XX/XX/2022. Til this day over 11 months later and I still have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. It has been over 120 days so they should be deleted promptly.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 US CODE 1681e9b ) and 15 US CODE 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate information. 

This has cause me significant damage to my credit report and score and has blocked me from being able to pursue credit for my business and being able to provide for my family a better life. I am in severe distress and I need the credit bureaus to respond to my request with a reasonable investigation and to remove these unverifiable and highly questionable accounts off my consumer report. As a consumer we should be protected from companies falsifying information on our report and reporting incorrect info.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Hello, I sent a letter regarding inaccurate and unknown items on my credit report on XX/XX/2022. Til this day over 11 months later and I still have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. It has been over 120 days so they should be deleted promptly.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 US CODE 1681e9b ) and 15 US CODE 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate information. 

This has cause me significant damage to my credit report and score and has blocked me from being able to pursue credit for my business and being able to provide for my family a better life. I am in severe distress and I need the credit bureaus to respond to my request with a reasonable investigation and to remove these unverifiable and highly questionable accounts off my consumer report. As a consumer we should be protected from companies falsifying information on our report and reporting incorrect info.

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