vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-16 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I closed my account because they added an annual fee of {$39.00}. I owed {$11.00} in interest. They will not let me pay the interest only. They want me to pay their annual membership fee in addition to the {$11.00} interest. Then after 90 days they will mail me a refund for the membership fee. I paid my total account balance on XX/XX/2023. This is ridiculous. Let me pay the interest I owe and remove the annual membership fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My Accounts with the following Bank have been technically compromised. My name, Social security number and birthdate have been altered/erased from the banks XXXX records.Bank of America {$7.00} XXXX, XXXX {$3.00} XXXX I'm a victim of Identity Theft/Fraud for the past 3 years. 

All of my identifying information & legal documents were stolen from me and my house. 

All of my asset 's are technically blocked/erased/hacked by Cyber Criminals. 

These individuals originate out of XXXX and XXXX Florida. They are a group of people that have had a XXXX XXXX with me since I was a child. 

They know things about me going back to my childhood. They know where I worked, names of friends & family, vacation destinations, home addresses, etc. I don't know them personally & I don't have any dealings business or otherwise in XXXX or XXXX Florida. 

My long standing bank accounts & brokerage accounts are currently not on each XXXX systems under my name, Social Security number & birthdate. 

For example Bank of America has {$7.00} XXXX, XXXX has {$2.00} XXXX XXXX  XXXX XXXX XXXX was approximately {$500000.00}. XXXX XXXX XXXX XXXX XXXX value approx {$500000.00}. 

I have a list of names of people involved. They have threatened me, harassed me, terrorized me for the past 15 months in XXXX XXXX Texas. It has continued here in Florida. 

While I was in Texas I filed XXXX police reports for Identity Theft/fraud, bank theft/fraud, credit card theft/fraud and death threats. A report for ID theft was filed as Fraud. 

I believe the terminology used is " Erased '' Identity/takeover, Identity Theft/Fraud I've filed several complaints with the FTC, XXXX FBI online systems, most recently : FTC XX/XX/23 ref # XXXX FTC XX/XX/23 ref # XXXX FBI XX/XX/23 copy on my phone A complete investigation needs to be conducted by the Cyber Crimes unit of the FBI effective 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 2023-11-16 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: MD

Complaint narrative:
They don't communicate with one another. 

XXXX, XXXX and Equifax report differently in term of the dates and some amounts. They have closed my complaint but I'm not satisfied with the result of their investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: Thaxton Investment Corporation
State: TX

Complaint narrative:
This complaint is my final communication regarding your claim that the account below is being reported accurately. In your response to complaint XXXX XXXXXXXX, you stated that the inaccurate information such as the Date last active and other information was updated when in fact it is still reporting incorrectly. Being that I have already tried to get this information fixed months ago, I am moving forward with filing a statement of claim to sue for defamation of character and violation of the FCRA. I will be seeking actual damages of {$30000.00} for mental anguish. Your incorrect credit reporting has caused me mental distress, denial of credit, and judgement of character. I am attaching a most recent copy of my credit report to show the inaccurate information. I have proof of communication and proof that the account was paid off so why was it sold to XXXX. Lastly the balance that was reported to me is not the same balance I was informed of by the alleged collection agency. The balance they reported was {$620.00}. I will be taking legal action against both companies. The following account is to be removed from my credit report within 14 days due to false and misleading information : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: CA

Complaint narrative:
XXXX XXXX XXXX  has been on my account fraudulently and i have disputed this account with XXXX for the last 3 months and they have not helped me with my problem i have not signed a contract with this collection agency and ive requested proof of validation from XXXX which they didn't provide i have tons of proof of my letters ive sent to them and ftc reports and prior cfpb reports

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 2023-11-16 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: CA

Complaint narrative:
XXXX XXXX XXXX  has been on my account fraudulently and i have disputed this account with XXXX for the last 3 months and they have not helped me with my problem i have not signed a contract with this collection agency and ive requested proof of validation from XXXX which they didn't provide i have tons of proof of my letters ive sent to them and ftc reports and prior cfpb reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to XXXX XXXXXXXX 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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to 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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also SectioI am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. n 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards the data provided is not always accurate complete or update i demand that any wrong incomplete or unsupported material be updated XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: KS

Complaint narrative:
I have been calling NelNet since XXXX to get my loan status changed from IN SCHOOL to the repayment plan I selected. XXXX of my loans are on the repayment plan but XXXX of them say I am still in school. I have been calling NelNet several times a month since XXXX trying to get them to help me after confirming with my school that they have released to the loan provider that I have graduated. on XX/XX/23 I called Nelnet and was again told by a customer service agent she could not help me and I had to call my university. I called my university to confirm they had released me and they said they had. I called NelNet again and some other customer service agent put in a " Request '' on my behalf to remove those loans from IN SCHOOL status to the repayment plan but that will take XXXX weeks. The problem is that I have a payment due with the XXXX PLAN on XX/XX/XXXX but even if I make a payment the loans that are marked as IN SCHOOL will still accrue interest even though I am no longer in school and want those on the repayment plan so there is no benefit to me making this payment. I am so frustrated at the lack of help that NelNet has provided and the inability to get things accomplished with in a timely matter. I am being punished and charged interest for something that is completely out of my control. I need HELP and I need someone that has answers or I will continue to be charged interest on top of XXXX XXXX payments which is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
Used Priceline Visa # XXXX XXXX XXXX XXXX back in XX/XX/2022. Was overcharged on XXXX hotel stay for {$250.00} at XXXX, XXXX XXXX in XX/XX/2022. + Was charged a no show fee from Uber when the driver never showed up, & a {$9.00} monthly fee since then, XX/XX/2022 which is outright FRAUD. I've called Barclay 's Bank, # XXXX and XXXX numerous times ; only to get an offshore rep in the XXXX with total miscommunication and Bad Accent. Can not go through this again, I get nowhere with them. Wrote letters 4X since XX/XX/2022. Just got some response saying these have to be reported within 2 statements or nothing can be done??? Very upset, & overwhelmed by this. Please help.

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 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX / XXXX XXXX XXXX has misreported my mortgage with them as CLOSED to Equifax ( XXXX and XXXX are currently fine ), causing a XXXX POINT CREDIT HIT to my score. I have contacted them several times, including TWO disputes through Equifax, a XXXX complaint, and they keep reporting my mortgage as {$0.00} balance closed. I would like them to properly report my mortgage to Equifax as PAID ON TIME, Unpaid Principal of {$7400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
security credit services has been on my account fraudulently and i have disputed this account with experian for the last 3 months and they have not helped me with my problem i have not signed a contract with this collection agency and ive requested proof of validation from experian which they didn't provide i have tons of proof of my letters ive sent to them and ftc reports and prior cfpb reports

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 2023-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
So I received my XXXX check from XXXX on XX/XX/XXXX for the amount of XXXX I then deposited the check into my chase bank account on XX/XX/XXXX by mobile. Then I get an email stating the check will be available on XX/XX/XXXX. On XX/XX/XXXX I receive a letter from Chase bank stating my account was on hold and was facing being closed for this check, so I then proceeded to call to see what the issue was. They explained that they were having problems verifying my check and asked did I have a verified number for them to call I provided the number from my check they stated that it wasnt in their system. I then called XXXX to ask and they said the number I dialed which was XXXX was the number the bank would use to verify checks. I called chase bank back and told him what was said the rep then did a XXXX way call with that number and verified with that rep that the check was good. She told me give it about XXXX minutes and the hold would be lifted. The next day I try to use the card and couldnt. I call chase back again and the same thing they cant verify i have to provide a number I XXXX several different numbers linked to XXXX none of those are verified its insane now I have to wait even longer then their going to close my account and bounce the check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc.
State: WA

Complaint narrative:
I contacted cash app and told them I needed a cash card and they keep telling me that they will not send me a debit card/cash card but I can only use the service by sending money and reccieving money but I cant just send money back and forth I need to retrieve my cash from the app and take my money off and on the debit card! I dont understand why they wont send me a card and when I ask what is the reason they said thats all they can tell me is I can get one maybe in the future I dont understand what that means Ive been waiting 5 months now for a card!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: GA

Complaint narrative:
I have already disputed these items with the bureaus, but they did not remove them, In accordance with the Fair Credit Reporting act 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 has violated my rights. nor prove validation. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have already disputed these items with the bureaus, but they did not remove them, In accordance with the Fair Credit Reporting act 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 has violated my rights. nor prove validation. 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 2023-11-16 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: VA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit

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 2023-11-16 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I was an authorized user on my soon to be XXXX XXXX  account. He removed me from the account and I filed XXXX disputes with the credit bureau to remove the account from my credit report. XXXX reported to the credit bureau twice that I was still an authorized user. I contacted XXXX and they confirmed that I was no longer on the account but refused to give me anything to provide to the credit bureau and still continued to report inaccurate information to the credit bureau.

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 2023-11-16 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: PA

Complaint narrative:
The following accounts and inquiries does not belong to me : XXXX XXXX XXXX # XXXX The following inquiries are fraudulent : 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 The following address is not my address. 

XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX The following employer is not mine : 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 2023-11-16 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX ( XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX 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 angency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16 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: KS

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 2023-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Someone tried to open a credit card in my name. I received a few emails from Capital One about a credit card application. I an email today ( XX/XX/2023 ) that stated that my application was declined. I never submitted an application yet I had XXXX credit inquiry showing up on XXXX Credit Report. I called Capital One and reported it as a fraudulent application.

Company response to consumer: Closed with non-monetary relief