vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-30 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:
I pulled my credit report recently and I noticed that I had several inquires on my credit that were inaccurate or unknown to me then all of my health information was on my report I didnt give authorization to share with anyone about my state of health. I have multiple name spellings and several unknown or inaccurate addresses that I will list in the notes and it will be highlighted to what are error. 
hospital I did not give permission to share my health information that is illegal by law XXXX XXXX XXXX XXXX XXXX XXXX then I have accounts that are in positive standing reporting negative or closed which is completely inaccurate XXXX XXXX XXXX XXXX account is paid and closed yet reporting negative and one is my current loan that is upto date XXXXXXXX XXXX XXXX ( 2 ) which are in good standing multiple hard inquires that are on there I have never done business with nor applied with there service and equifax wont release my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a debit card from Capital One. When I called Capital One to let them know I had not requested an account with them I was told that someone else had used my social security number. I told them I had my credit reports frozen due to previous fraud and was told they do not pull credit to open a bank account. I requested to have the account closed immediately. I received a letter from Capital One on XX/XX/22 informing me that they had closed the acct ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I looked at my credit report. It says I have a {$7000.00} credit card with Wells Fargo. I never applied and was never told accepted. I dont have any information about this in my emails.

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 2022-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I received a call from Navy Federal Credit Union in regards to making a payment on my account. The reason I was unable to make the payment was because Navy Federal Credit Union restricted my account and I'm unable to make payments which is unfair to I, the consumer. They accused me of fraud when all I did is help my family members and friends apply for their credit products. The reason why federal credit unions were put in place under the Federal Credit Union Act were to help people who are unable to receive credit from banks. There is a large amount of the minority population that do not understand this. As an informed consumer, I know my rights and did nothing but help my people who were in need. Your money is from the federal reserve and is reserved for me. They also restricted my credit cards so they have the accounts open and I can't even use them. They are charging me interest on cards that I can't use. They also held my money and gave me no way to access the funds as all of my cards are restricted. So in order to make the payment, I would have to call them every time to do so. Under truth and lending, 15usc1666b ( a ) " a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the due date. '' I have never received no documentation from navy federal and if they claimed to have delivered it online, I had no access to this document, therefore it wasn't delivered to me. The late payment is on the date of XX/XX/2022. I spoke to a manager from XXXX XXXX named XXXX and she claimed to say they had a confusion of my address on file. I have proof that they do have my address on file, because the recently sent a bank statement to me with the money that they've been holding. She also didn't give me information that I could dispute the late payment with the creditor directly which is a violation of the Fair Credit Reporting Act. My account was restricted, my credit cards remained opened and unable to be utilized. There are more violations that were violated but I don't need to list all of them. I will attach proof that they do have my address on file and did not deliver the documents necessary to put a late payment on my report and well as proof of the account being restricted so I'm unable to access any digital documents delivered as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc
State: OK

Complaint narrative:
Calls 3-4x per day or more. Not my debt, dont know why they say I owe it but they keep calling over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My wife and I have been in the process of getting a home loan. We were told that I'm not showing enough credit due to no credit card showing on the credit score disclosure. When I check myself, I am seeing that I can not get a credit score. I do have a credit card with XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX in XXXX, AL. Out of the XXXX different credit bureaus, the only one showing that I have an open credit card account is the TransUnion company. However, it's still not giving me a credit score. I called my bank to see if they are reporting to all credit bureaus and was told that they were. I feel there must be some sort of error in the system that no one is catching. I was told over XXXX years ago that this was a problem and I just assumed it was because of the pandemic and I wasn't spending a lot of money. However, to be told this again, I know there is something wrong with my credit being reported from this bank. I've had this credit card XXXX years and the fact that its not reporting to all the credit bureau is concerning to me.

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 2022-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My wife and I have been in the process of getting a home loan. We were told that I'm not showing enough credit due to no credit card showing on the credit score disclosure. When I check myself, I am seeing that I can not get a credit score. I do have a credit card with XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX, AL. Out of the XXXX different credit bureaus, the only one showing that I have an open credit card account is the XXXX company. However, it's still not giving me a credit score. I called my bank to see if they are reporting to all credit bureaus and was told that they were. I feel there must be some sort of error in the system that no one is catching. I was told over two years ago that this was a problem and I just assumed it was because of the pandemic and I wasn't spending a lot of money. However, to be told this again, I know there is something wrong with my credit being reported from this bank. I've had this credit card XXXX years and the fact that its not reporting to all the credit bureau is concerning to me.

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 2022-05-30 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: FL

Complaint narrative:
I am submitting this information on my behalf because Experian has failed to comply with requirements imposed under 15 US Code Subchapter III and Regulation V 12 CFR 1022 and is liable pursuant to 15 USC 1681n ( 1 ) ( a ).

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 2022-05-30 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: MOHELA
State: TX

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
Im an essential frontline worker and a satisfied Capital One Customer and have XXXX small capital One cards that incurred late payments during the pandemic. 
On one card, I was marked late for XXXX to XX/XX/XXXX, and on the other I was marked for XXXX to XX/XX/XXXX and for the month of XX/XX/XXXX, for extremely small payments. 
My job as a XXXX XXXX requires that I work on ventilation units in public buildings and hospitals. During this time, I caught the XXXX virus on XXXX occasions and although I had no problems financially, I was unable to attend to my day-to-day responsibilities I have seen on the CFPB website complaint history t

hat Capital One has made exceptions to remove late payments for frontline workers. I am requesting that Capital One do the same for me and remove the late payments from my credit report for both cards. I am attaching a copy of m
y XXXX XXXX license ( I include copy of my XXXX license )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My American Express XXXX XXXX card expired XX/XX/XXXX. It is XX/XX/XXXX and I have not received a replacement. Despite this, I was charged {$250.00} annual fees on XX/XX/XXXX and XX/XX/XXXX. I reached out to American Express about the expired card XX/XX/XXXX. I have not received the card and American Express is refusing to refund the fees, claiming those are the fees for the card. But when I ask how can you charge me for a card that youve been unable to supply? they arent helpful. Id like my annual fee credited to the account and a replacement card sent for a third time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my credit report and noticed the following issues. XXXX XXXX  - Account number : XXXX This account has many errors/inaccuracies. 

High credit is not accurate - account is being reported inconsistently across all three bureaus. 

Date opened is not accurate - account is being reported inconsistently across all three bureaus. 

Date last active is not accurate - account is being reported inconsistently across all three bureaus. 

Payment status is not accurate - account is being reported inconsistently across all three bureaus. 

Payment history is not accurate - account is being reported inconsistently across all three bureaus. 

I sent a letter on XX/XX/2022 and requested that they removed this account from my credit report due to FCRA violation and they failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: Self Financial Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
Hello, I have a XXXX XXXX XXXX XXXX XXXX  and I am supposed to earn 5 XXXX XXXX XXXX  for each dollar spent at XXXX hotels ( please see the first page of the attached document ). 
Unfortunately, Barclay has transferred only 2 points for each dollar spent at Choice hotels ( please see the second and third pages of the attached document ). 
I called the Barclay customer service numerous times to no avail. On XX/XX/2022, I was given the case number XXXX. After several calls, I was given another case number, XXXX. Yet, Ive never got the missing points. Instead, Barkley send me two letters, claiming that additional information is needed, and we were unable to reach you ( please see the fourth and fifth pages of the attached document ). I called customer service after receiving each letter, but they were unable to tell me what information was missing. 
Please help me solve this issue. 
Thank you, 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 2022-05-30 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:
I pulled my credit report recently and I noticed that I had several inquires on my credit that were inaccurate or unknown to me then all of my health information was on my report I didnt give authorization to share with anyone about my state of health. I have multiple name spellings and several unknown or inaccurate addresses that I will list in the notes and it will be highlighted to what are error. 
hospital I did not give permission to share my health information that is illegal by law nationwide recovery ability recovery assetcare llc then I have accounts that are in positive standing reporting negative or closed which is completely inaccurate XXXX XXXX XXXX XXXX XXXX is paid and closed yet reporting negative and one is my current loan that is upto date XXXX XXXX XXXX ( 2 ) which are in good standing multiple hard inquires that are on there I have never done business with nor applied with there service and XXXX wont release my report

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 2022-05-30 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: LA

Complaint narrative:
I pulled my credit report recently and I noticed that I had several inquires on my credit that were inaccurate or unknown to me then all of my health information was on my report I didnt give authorization to share with anyone about my state of health. I have multiple name spellings and several unknown or inaccurate addresses that I will list in the notes and it will be highlighted to what are error. 
hospital I did not give permission to share my health information that is illegal by law XXXX XXXX XXXX XXXX XXXX XXXX then I have accounts that are in positive standing reporting negative or closed which is completely inaccurate XXXX XXXX XXXX one account is paid and closed yet reporting negative and one is my current loan that is upto date XXXX XXXX  XXXX  ( 2 ) which are in good standing multiple hard inquires that are on there I have never done business with nor applied with there service and XXXX wont release my report

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 2022-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
my account was closed I called the number given to me by the bank. after speaking to fraud department briefly, they hang up on me. I called again and no one wants to speak with me. I don't know why. So I called the number behind my card located in Florida. I explained what I had experienced they person seem nice to try to get me answers, I waited for the person to return back to me on my phone. It was quite and hung up again on me. So no one once to speak with me about my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation