vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
After XXXX months of having opened a credit card with Capital One, theyve closed my credit card. I made payments on time or early and had one returned payment that should have resulted in a fee. This account closure may have negatively impacted my credit score which may limits my search for housing. Moreover, I was given the reason that I cancelled future payments which was a negative indicator. I schedule payments in XXXX then cancelled them at the end of XXXX to make the payment in XXXX. Please review and consider removing this account closure off my credit report once the balance is completely paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
On XXXX XX/XX/2023, money transfer features including XXXX was unavailable for use with Discover Bank checking account. Online app showed some features are temporarily unavailable. Bank representative on the phone failed to specify the time for outage - hours, days or weeks? She just said this is unplanned and that a better answer is not available, not even an estimate. This is unacceptable as money transfer abilities on my own accounts is essential for me, and it is concerning as in the past their XXXX option had been down for weeks. I would like at the very least for Discover Bank to respect the customer enough to provide an estimated timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Everytime when I dont have money in my account they charge me like {$1.00} or {$10.00} overdraft

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 2023-02-05 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: VA

Complaint narrative:
My personal information was exposed in the Equifax, XXXX XXXX and XXXX data breach. And on XXXX/XXXX/22, I recognize a account that was open without my permission that I would like removed from my Equifax and XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: Kikoff Inc.
State: VA

Complaint narrative:
My personal information was exposed in the XXXX, XXXX XXXX and XXXX data breach. And on XX/XX/22 a Kikoff credit account with a limit of {$500.00} from Kikoff Lending , LLC was open without my permission and reported on my XXXX and XXXX credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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 requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate past due balances violation to Metro 2 PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS- # XXXX XXXX  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 AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED - Also Never received 1099 C?

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 2023-02-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 

unrecognize auto loan hard inquiries. i do not recognized or gave my consent for the following auto loan hard inquiries. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX other non auto loans i do not recognize as well includes XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: NY

Complaint narrative:
The creditor and Equifax and XXXX continues to report numerous of inaccuracies from derogatory remarks, made on the account, remove and then put back on updating the status on the account from current to past due, and the status of the account this needs to be removed or updated immediately without the derogatory remarks, or late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: NY

Complaint narrative:
The creditor and XXXX and Experian continues to report numerous of inaccuracies from derogatory remarks, made on the account, remove and then put back on updating the status on the account from current to past due, and the status of the account this needs to be removed or updated immediately without the derogatory remarks, or late payments

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 2023-02-05 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: PA

Complaint narrative:
I set up the autopay for the American Express card, but it didn't work. It still charged me late fees and interest, leaving a record on my credit report. I have contacted the customer support but it did not solve

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SinglePoint GI
State: NC

Complaint narrative:
I recieved a credit monitoring alert that there was a new collection that was placed on my credit report from General Revenue Corporation. The law states that they have to notifiy me to vaidate a debt. I have Not recieved a call from this company nor have I recieved any other correspondance. They placed a {$440.00} collections debt on my report which The balance is {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian Credit Report has that I owe {$22000.00} when I am only XXXX to XXXX in debt and it shows charge off however Experian XXXX to keep, XXXX XXXX XXXX XXXX when it started XX/XX/XXXX when I was in XXXX  for which is determined by how much income I earned at the time in which was {$19.00} monthly... 
XXXX ... XX/XX/XXXX chargeoff for which it is still on credit report..FRAUD XXXX XXXX XXXX XXXX CHARGE OFF XX/XX/XXXX WHICH IS INCORRECT has violated my rights .... 
15 U.S.C 1681 SEC.602A, Sec.604ASec.2 15 U.S.C 1681C ( a ) ( 5 ) and 15 U.S.Cs-2 ( A ) ( 1 )

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 2023-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: CO

Complaint narrative:
I received a collection notice, sent a request for validation on XX/XX/. They received it on the XXXX XXXX XXXX. I have acquired additional fees according to my credit report since then. Pursuant to FDCP Act, 15 USC 1692g they were supposed to cease any and all collection activities during the 30 day investigation period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I received a bill from Comenity in XXXX for {$100.00} for charges I did not make. There were 11 transactions made all on XX/XX/XXXX with the description XXXX XXXX XXXX XXXX. I did not do anything when this was received as I am not familiar with Comenity and do not have an account or card with them and thought this was a scam. XXXX I received another bill from Comenity now {$130.00} as they added on a late fee & interest to the bill. XX/XX/XXXX I spoke to a representative at XXXX XXXX XXXX XXXX and they told me Comenity is a bank and they showed an account with them from XX/XX/XXXX and I would need to file a dispute with Comenity. XX/XX/XXXX I contacted Comenity and was told this credit card was XXXX and in XX/XX/XXXX transferred to Comenity. We never received a card from Comenity and thought we cancelled the XXXX card. We cancelled the Comenity card then and filed a claim with Comenity. Was told to make a Fraud report to the Federal Trade Commission and their website directed me to the Consumer Financial Protection Bureau. I am still waiting confirmation of the closed account and outcome of the claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05 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 fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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:
In accordance with the Fair Credit Reporting act, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. unrecognize auto loan hard inquiries. i do not recognized or gave my consent for the following auto loan hard inquiries. 

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 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 2023-02-05 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 requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate past due balances violation to Metro 2 PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS- # XXXXXXXX XXXX XXXX XXXX XXXXXXXX Security fin 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED - Also Never received 1099 C?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: VA

Complaint narrative:
My personal information was exposed in the Equifax, XXXX XXXX and XXXX data breach. And on XX/XX/22 a XXXX credit account with a limit of {$500.00} from XXXX XXXX, XXXX was open without my permission and reported on my Equifax and XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My personal information was exposed in the XXXX, XXXX XXXX and XXXX data breach. And on XX/XX/22 a XXXX credit account with a limit of {$500.00} from XXXX XXXX, XXXX was open without my permission and reported on my XXXX and Experian credit 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 explanation
Consumer complaint received 2023-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Date XXXX/XXXX/XXXX amount {$550.00} i.m I'm disputing to the delinquent on my account in the amount of {$13000.00} that is incorrect ... ... .right Balance {$13000.00} ....

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 2023-02-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was applying for a business loan. The Lender retrieved my credit report and told me that I had XXXX outstanding balances which I know I paid off. On my credit report this information is not correct and is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: Mcburberod Financial, Inc. d/b/a SeedFi
State: VA

Complaint narrative:
My personal information was exposed in the XXXX, XXXX XXXX and XXXX data breach. And on XX/XX/22 a account from XXXX XXXX Bank XXXX XXXX credit builder was open without my permission and reported to my XXXX, XXXX and XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: DISCOVER BANK
State: NC

Complaint narrative:
Due to XXXX  and reckless misinformation on the Discover XXXX XXXX website, I dont know whether my automatic payment has in fact been cancelled or not. I also dont know whether my one off payment has in fact been processed correctly. The website says to call in but their call center is not answering.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
Never got a 1099 C debt cancelation form from Ally Financial, ask for the involuntary repossession to be removed from my credit reports, XXXX XXXX, XXXX, XXXX. In stead the remark was changed to Customer disagrees on my credit reports. I spoke to Ally advise that due to covid 19 I was unable to make payments on the car, never received 1099 C debt cancelation form after they sold the car, and got paid for it. Asking that this be removed of 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 explanation
Consumer complaint received 2023-02-05 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: VA

Complaint narrative:
My personal information was exposed in the XXXX, XXXX XXXX and XXXX data breach. And on XX/XX/22 a account from XXXX XXXX Bank prime loan credit builder was open without my permission and reported to my XXXX, XXXX and TransUnion credit 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 2023-02-05 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: VA

Complaint narrative:
My personal information was exposed in the Equifax, XXXX XXXX and XXXX data breach. And on XX/XX/22 a account from XXXX XXXX Bank prime loan credit builder was open without my permission and reported to my Equifax, XXXX and XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I don't recognize XXXX XXXX XXXX which shows on my account as a Collection. I will like to request an original loan agreement I signed with XXXX XXXX XXXX showing the following 1, my signature and that of summit account resolution as proof I borrowed money from them because I don't recall borrowing money from them 2, amount borrowed and payment history 3, proof they are legalized to collect debt in the state of Florida. if this can't be provided then I request the collection be taking off my account or I will take legal actions

Company response to consumer: Closed with explanation