vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2019, I, the consumer 12 CFR 1026.2 ( 11 ) XXXX, XXXX, XXXX fill out a credit application 12 CFR 1026.2 ( 3 ) ( i ) for Capital One bank. I extended my consumer credit 12 CFR 1026.2 ( 12 ) to Capital One. In the credit application, I provided my credit card 12 CFR 1026.2 ( 15 ) ( i ) and was approved for the extension of credit. Capital one then submitted to the consumer a credit sale 12 CFR 1026.2 ( 16 ) which the consumer fill out to complete the process. Since the date of opening the account, the consumer receives billing cycle 12 CFR 1026.2 ( 4 ) every month with the amount due for what the consumer spends on the credit card. Capital One gives the consumer a minimum payment due and the account balance to make a payment to, either suggestion on the consumer 's behalf. The balance increase until the consumer pays the whole balance in full to zero out the balance. I, the consumer have been paying the full balance for XXXX years now which would be false and misleading on the behalf of Capital One. According to 12 CFR 1026.4 finance charge is the cost of credit as the dollar amount. Capital One has been fraudulently misleading the consumer for years making the consumer pay the full amount of balances on his credit card. The consumer has caused a trauma amount of XXXX, XXXX, and money for the false and misleading information. The consumer demands a full refund from all payments made after the finance charge paid over the XXXX years of the opening account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
XXXX XXXX XXXX. 
I specifically requested an account that does not authorize any overdraft. I want payment to be declined instead of pushing me into " the red ''. The TD Bank who opened the account assured me this was the case. Since then i have been charged thousands in overdraft fees. I was blatantly lied to when opening the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was involved with the Wells Fargo data breach and was victim of identity theft and also part of Wells Fargo unauthorized accounts settlement back in XX/XX/XXXX class member XXXX. Im writing because this is still on my credit report. Even after I received compensation for this its still on my credit file for XXXX  dollars which is not much money but for the 7 years this has been tormenting my life Ive disputed many of time with no progress Im writing to you because Im the little guy here an I guess my voice isnt loud enough I assume its been purchased by another collector I cant seem to pin this down but Im paying for someone crime and receiving under XXXX in compensation for the years of negative remarks on my credit multiple times and I jus learned that when I disputed an they updated they updated the actual date that I disputed so it seems 7 years never get there which I was like XXXX it but now I found this and hopefully I can get you the information they neglect to either honor or check so others do not fall victim to this circumstance. The information I was given was that it was a secured card for 300 dollars I looked this an noticed that the 300 was paid or falsely paid and left the balance of XXXX. If my calculations are correct Wells Fargo the owes that thief some change yet Im suffering this limbo i dont understand but Somehow I can call up and they have my information and its even today I called and the lady had pulled my account from my social and phone number they do not have a correct address and my mothers maiden name like she asked As if I dont know my own mothers maiden smh she said to call back but Ive called plenty of times because I dont know the fake answers to my life this thief had put down I cant get any further Im asking anyone with any answers please what do I do next from here how can I get this blemish off my record so I can now be a XXXX XXXX yr old father of XXXX because I cant get my credit fixed to buy my family a house or a car I have an amazing job in new your city pays very well am I supposed to jus pay the XXXX which I could of easily of done but would be right i dont so Ill take this on the chin but Im fighting this all the way Wells Fargo I cant get information needed to even give facts here what is next for me. Ill keep researching. But all I have is a measly settlement for years of Wells Fargo updating my I guess date opened its been 7 yrs already but the last disputed they updated to XX/XX/XXXX when the initial account was open in XXXX ughhhhh

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 2022-02-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2022 I visited XXXX XXXX in XXXX Florida located at XXXX XXXX XXXX XXXX. When I arrived I had a pre-approval from XXXX XXXX for a car loan. The dealership and I discussed the purchase of a vehicle. Once an agreement was reached the dealership asked me to complete a credit application, " I did so ''. The dealership came back with a response from XXXX XXXX and I declined the offer. Once I left the dealership I discovered via email, the dealership had shared my information with 5 lenders and each of those lenders pulled credit reports. The reports obtained were without my consent or my knowledge. XXXX XXXX was the only credit report I authorized. As a result, I have taken several credit hits which will remain a negative mark for years, and I would like them removed. I believe these unauthorized credit inquiries were a violation of the FCRA. XXXX, XXXX, and Experian must remove these credit inquiries placed on my credit report on XX/XX/2022. I will take legal action using XXXX XXXX XXXX XXXX if these 5 inquiries are not removed immidiately.

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 2022-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I received a collections notice from XXXX in XXXX over a rental damages debt. I have never even heard of the creditor, called XXXX XXXX. I never rented property from XXXX XXXX. I requested verification and it was not provided. The creditor originally listed was XXXX XXXX, which like XXXX XXXX I have never heard of. And when verification was requested, they told me they would email me verification and they never did. 
This started as being listed as " joint debt '', now is showing as just mine. I have made multiple requests to contest it on my credit report, and it always ends up staying on, even without being able to validate. It just added notes that I have contested it. I have received several letters, the last one dated XX/XX/XXXX. I have received phone calls. So, I am continuously being harassed and have attempts made to collect a debt that is not mine, nor was verified to be mine. This is a violation of FDCPA as they continue to go after debt that is not mine, and I have requested multiple times for them to prove or remove and they have done neither. Once verification is requested all collection attempts must be stopped and verified before they can continue, and this was not done.

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 2022-02-12 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: IL

Complaint narrative:
I, XXXX XXXX, a federally protected consumer has attempted to reach out to XXXX XXXXXXXX to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/XXXX and have yet to receive the information requested from the company. I do not owe this alleged debt. This company has violated my consumer rights and disregarded my attempts to assess the alleged debt. I have been in contact with the credit reporting since XX/XX/XXXX and I still don't know how or where this debt has been verified. I'm aware that these are both FCRA & FDCPA violations. I need assistance with this matter as soon as possible because I have not been provided with answers from either XXXX  XXXX or the credit reporting agencies. I also have certified receipts from USPS for the letters I have been sending since 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 2022-02-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I, XXXX XXXX, a federally protected consumer has attempted to reach out to XXXX XXXXXXXX to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/XXXX and have yet to receive the information requested from the company. I do not owe this alleged debt. This company has violated my consumer rights and disregarded my attempts to assess the alleged debt. I have been in contact with the credit reporting since XX/XX/XXXX and I still don't know how or where this debt has been verified. I'm aware that these are both FCRA & FDCPA violations. I need assistance with this matter as soon as possible because I have not been provided with answers from either XXXX XXXXXXXX or the credit reporting agencies. I also have certified receipts from USPS for the letters I have been sending since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I, XXXX XXXX, a federally protected consumer has attempted to reach out to XXXX XXXXXXXX to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/XXXX and have yet to receive the information requested from the company. I do not owe this alleged debt. This company has violated my consumer rights and disregarded my attempts to assess the alleged debt. I have been in contact with the credit reporting since XX/XX/XXXX and I still don't know how or where this debt has been verified. I'm aware that these are both FCRA & FDCPA violations. I need assistance with this matter as soon as possible because I have not been provided with answers from either XXXX XXXXXXXX or the credit reporting agencies. I also have certified receipts from USPS for the letters I have been sending since 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 2022-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
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: GA

Complaint narrative:
XXXX XXXX XXXX / XXXX / {$5500.00} XXXX XXXX / XXXX / {$0.00} XXXX XXXX  XXXX XXXX / {$0.00} - {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the 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 non-monetary relief
Consumer complaint received 2022-02-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have previously submitted a complaint the CFPB stating that my dispute sent to the three bureaus on XX/XX/2022 was ignored and no response was given within the 30 days required to respond. Per the FCRA, if there is no response within 30 days, the disputed information must be removed. I did NOT receive a response within 30 days of sending my dispute!!

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 2022-02-13 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: FL

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. Please delete the items as soon as possible.

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 2022-02-13 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: TX

Complaint narrative:
i wrote the bureaus, transunion being the worst, telling them the accounts showing were not mine, this started, in XXXX, 2021. So what transunion and XXXX did, they are now reporting, the same account that is not mine, TWICE, i am uploading documments. A year out of my life, time and energy, i '' ll never get back, and this items are still on my report, and ruining my good credit standard in this competitive world. I don't understand how a XXXX XXXX  '', corporation, can do things that hurt, harm, american citizens lives, i am a single MOM, struggling through life, and having to fight giant mutiibillion dollar, credit bureaus companies.

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 2022-02-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I need you to investigate the following accounts you claim to be accurate on my credit file XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Please show me detail documentation including an application signed by me otherwise delete this unverifiable inquiry from my credit file. 

After you finish my request, send me an updated report Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
My Auto Loan was sold to Capital One Auto XXXX where they refuse to allow me to make extra payments beyond 12 months, I have always make my auto monthly payment with interest and prinicipal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is an inaccurate account listed on my credit report that I have requested documentation for multiple times but I have failed to receive documents via mail/fax/e-mail. 

The amount the account was placed into what appears to be a Debt Collection Agency titled " XXXX '' with account # XXXX was opened in the amount of {$120.00} on XX/XX/XXXX. The account in reference has been in collections since XX/XX/XXXX in a state which I have not resided in since XXXX. 

I have failed to receive any type of documentation from the credit reporting agency as well as the creditor/original creditors in regards to the validation of this debt. I request a formal investigation into this matter and documentation mailed to me showing the original account opening including photocopies of driver 's license at the time of opening, signatures, and other vital information required to open an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is an inaccurate account listed on my credit report that I have requested documentation for multiple times but I have failed to receive documents via mail/fax/e-mail. 

The amount the account was placed into what appears to be a Debt Collection Agency titled " XXXX '' with account # XXXX was opened in the amount of {$120.00} on XX/XX/XXXX. The account in reference has been in collections since XX/XX/XXXX in a state which I have not resided in since XXXX. 

I have failed to receive any type of documentation from the credit reporting agency as well as the creditor/original creditors in regards to the validation of this debt. I request a formal investigation into this matter and documentation mailed to me showing the original account opening including photocopies of driver 's license at the time of opening, signatures, and other vital information required to open an account.

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 2022-02-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have previously submitted a complaint the CFPB stating that my dispute sent to the XXXX bureaus on XX/XX/2022 was ignored and no response was given within the 30 days required to respond. Per the FCRA, if there is no response within 30 days, the disputed information must be removed. I did NOT receive a response within 30 days of sending my dispute!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
This credit card account with USAA SVG BK was canceled upon the credit grantor 's request due to the company no longer servicing secured credit cards.

I initially placed a security deposit for this secured credit card when I opened this account. Upon notification that USAA would no longer be servicing secured credit cards, USAA failed to apply the initial security deposit to the account to settle any balance remaining. 

I paid the balance that has been reported to the credit reporting agencies in full on XX/XX/XXXX and yet as of XX/XX/XXXX it still shows as a charge off to certain credit reporting agencies. This is inaccurate information being reported to different credit reporting agencies and this has affected my creditworthiness due to the inaccuracies being reported. 

Date account opened : XXXX XXXX, XXXX Account number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UPGRADE, INC.
State: WA

Complaint narrative:
Despite asking many times Upgrade Inc doesn't give a schedule of fees and charges on its website or on request. A customer service reached out to me promising a document ( since they don't even have one readily available at their end ) but they never followed through.

Company response to consumer: Closed with explanation