vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: MD

Complaint narrative:
Please properly remit my 1099-C so I can do my tax return. Because the cancellation of debt belongs on my 1040. Once this notice is received please properly send the completed 1099-c form back to ( XXXX XXXX ). In the attached 1099-C document XXXX XXXX completed the sections to the best of knowledge. DISCOVER CARD also get to write this off on taxes for a major tax break. Send the completed 1099-C that you sent it to the treasury. All obligation of any debt belongs to the UNITED STATES OF AMERICA and my signature pays for anything hence why DISCOVER CARD was about to give a line of credit because of the asset back note. If you don't understand please reference back to the Emergency Banking Act of XXXX  and Indenture Trustee act of XXXX. Please do not take any adverse actions because of the enforcement of rights ( 15 USC 1681a ( k ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: CA

Complaint narrative:
5 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 an account without my written instructions. In accordance with the Fair Credit Reporting Act, the following accounts violated my rights. Thank you in advance : 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 explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I live in XXXX XXXX Texas in a rural area. The mail from our mailboxes is frequently stolen. This past week I received mail about multiple bank/financial accounts being opened or attempted to be opened in my name. Yesterday I was contacted by XXXX with XXXX XXXX in UT, and he said he'd spent XXXX minutes on the phone with a guy that he determined was not me, and the guy was attempting to open an account. XXXX was able to trace the guy and identify him as : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX or XXXX This morning I filed a police report with the XXXX XXXX County Sherrif 's department. 
Filled with Deputy XXXX XXXX ( XXXX ) XXXX The banks I received mail notices from are XXXX, XXXX XXXX, XXXX XXXX, XXXX Banks, XXXX, and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX will not return my phone call or give me the correct email to dispute this off my credit report properly. I am demanding this ( XXXX XXXX ) to be removed off my credit report or I will bring on a lawsuit starting next week. I never signed and agreement with XXXX or XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX is violation of my right per FCRA. This is affecting my life and needs be handled. POLICE REPORT ATTACHED BELOW

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX will not return my phone call or give me the correct email to dispute this off my credit report properly. I am demanding this ( XXXX XXXX ) to be removed off my credit report or I will bring on a lawsuit starting next week. I never signed and agreement with XXXX or XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is violation of my right per FCRA. This is affecting my life and needs be handled. POLICE REPORT ATTACHED BELOW

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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:
THE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL AND STATE REQUISITE REPORTING. This series of misreporting seems to me clearly involves a universal and complete failure by this credit company to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681 -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CHARLES SCHWAB CORPORATION, THE
State: NC

Complaint narrative:
An inquiry to my credit report was pulled by XXXX on XX/XX/2022 for charles schwab bank XXXX. XXXX XXXX XXXX XXXX, Co XXXX phone number XXXX. A fraudulent online checking & high yeild investment account was opened after the inquiry with charles schwab bank on XX/XX/2022. The company was quick to recognize the fraudulent account and closed it on XX/XX/2022. A financial crimes risk management specialist was immediately placed in charge of this issue and contacted me right away. They have been good in contact with me. 

I asked for copies of thier data that from the person who applied and opened a fraudulent account including any information that person has used. Under the Identity Victim bill of rights I am allowed to request these proof documents for my own legal needs. I have not been able to do that and have waited several weeks to get a response after they responded to me regularly before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX with Account # ending in XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX with Account # ending in XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information 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 2022-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Someone used my identity and applied for American Express and XXXX credit cards, The one used my identity keep paying monthly payments and all of a sudden he didn't pay at all. Creditors have been writing letter to me to pay but i didn't pay because this is not my credit cards. I called credit bureaus and reported what happen and file a dispute of these charge offs on my credit report. If AMEX and XXXX can not provide a signature from me during application of these credit cards i need this to be deleted ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
XX/XX/XXXX Scam, My sisters identity was stolen and used to entice me to buy {$500.00} of XXXX gift cards for the thieves. We found out the fraud immediately and notified Capital One by phone. Filed an XXXX XXXX police report and obtained information from my sister. 

XX/XX/XXXX Capital One sent new credit card despite our XX/XX/XXXX phone conversation. 

XX/XX/XXXX letter from Capital One stated no fraud because we benefited from the transaction, not recognizing the identity theft. This accuses me of being and thief and angered me. It also implied that fraud was committed if I had not benefited. 
Another letter of the same date said the fraud investigation was closed. First of 3 identical letters. 

XX/XX/XXXX I sent letter laying out the facts and including the police report, evidence from my sister, referred to XXXX XXXX, and a further attempt by the thieves to defraud. I did state I had been insulted and was angry. I never received an apology, angering me further. 

XX/XX/XXXX I sent letter noting no response to my XXXX letter. 

XX/XX/XXXX I send another letter noting still no response. 

XX/XX/XXXX Second form letter from Capital One identical to second XXXX letter. 

XX/XX/XXXX I sent letter noting the XX/XX/XXXX letter which stated As a part of our {$0.00} fraud liability promise, you were not held responsible for any fraudulent charges. However, I still am being billed for fraudulent charges plus interest and late fees. 

In my subsequent phone call I was told that scams such as my case were not fraud under their definition. However, the dictionary considers a scam as fraud and I see nothing to the contrary in the credit card agreement. I said I wanted to close my account and not make payments related to the original scam. I was told my case would be reviewed and they would call me in 8-10 days, later extended a week because of my trip to XXXX XXXX XXXX 

XX/XX/XXXX Another form letter identical to those of XXXX and XX/XX/XXXX. 

XXXX Phone call stated that my appeal for fraud recognition was denied because I did authorize the purchase. They did waive the interest and late fees although late fees resumed from that point. Letter received the next day, although dated XX/XX/XXXX, accordingly. 

XXXX In a phone call I repeated my complaint and again tried to close my account. I was told a letter would be forthcoming. 

XX/XX/XXXX Capital One letter outlined payment options but did not address my complaint or the account closure. 

I have recently received notices that my credit score has dropped from around 840 to about 660.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: SC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am writing to dispute the following information in my file SYNCB/TJX CO Dual card XXXX bank hard inquiry on XX/XX/2021 ( reporting to XXXX ) XXXX and as a result I would like this inquiry to be removed from my credit file to adequately reflect my true score. 

There were no actions taken by the company, they requested the CFPB provide them with my name and telephone number to further research this case.

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 2022-06-22 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Bank with Account # ending in XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Bank with Account # ending in XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information 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 2022-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
I was a victim of an online came. I had a person allegedly sell me a product that I paid a total of {$600.00} for ( including shipping ). I paid this person using the XXXX money sending service through my bank. I quickly realized that this was a scam ( they asked me to pay another {$1300.00} for shipping/delivery via a sketchy email ). When the person I paid refused to refund my {$600.00} and then blocked me. I reached out to my bank to file a dispute regarding the charges and I submitted to them all of the documentation that I have from the person I was buying from and the weird emails I received from the alleged shipping company. My bank denied my claim and said that when it comes to using a service like XXXX ( even though it is a service provided through their banking institution ) that they are not able to refund my money and told me I should be more careful with who I send money to in the future. I realize I made a mistake and I am embarrassed enough about it. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. Validate Account Account Number : XXXX Please remove it from my credit report. 
Validate Account Account Number : XXXX Please remove it from my credit report. 
Validate Account Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, and XXXX XXXX XXXXXXXX, 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 an 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 2022-06-22 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, and 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: CA

Complaint narrative:
5 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 an account without my written instructions. In accordance with the Fair Credit Reporting Act, the following accounts violated my rights. Thank you in advance : XXXX XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, USDOE/XXXX  XXXX, US DEPT ED XXXX, XXXX XXXX XXXX, US DEPT ED XXXX, XXXX XXXX, US DEPT ED 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 2022-06-22 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: CA

Complaint narrative:
5 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 an account without my written instructions. In accordance with the Fair Credit Reporting Act, the following accounts violated my rights. Thank you in advance : XXXX XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, USDOE/XXXX  XXXX, US DEPT ED XXXX, XXXX XXXX XXXX, US DEPT ED XXXX, XXXX XXXX, US DEPT ED 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 2022-06-22 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  XXXX ACCOUNT # XXXX, XXXXXXXX XXXX  XXXX ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXXXXXXXXXX XXXX XXXX ACCOUNT 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 2022-06-22 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: NC

Complaint narrative:
In XX/XX/2022 a certified letter was sent to all three major credit reporting agencies advising as a result of my viewing my credit report, several erroneous information was found to include my name, addresses I never resided at and phone numbers that did not belong to me. I provided each with my correct information an asked that any other inaccurate information be removed or updated. I provided two forms of verifiable information with the correct date of birth, address as well as my phone number. XX/XX/2022 at approximate XXXX XXXX eastern standard time. I spoke with two Experian agents. They advised, there was nothing they could do for me that i will have to contact the reporting companies were reporting the wrong information. 
545a_fair-credit-reporting-act-0918.

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