vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
i get preapprovals from capitol one every day in my inbox. i have been preapproved over 6 times for a capitol one card. i completed a XXXX XXXX application and it was denied because i had a fraud alert on my XXXX account i did not know about which i have now fixed with my phone number that was left off for my contact number which was done the same week. i have mailed them more documentation to dispute this issue to the office in XXXX XXXX XXXX, ut. they refuse to reopen my application and contact XXXX to process my XXXX XXXX. all my emails to capitol one that i have sent to them have come back. the refuse to help me in anyway on the phone. i have contacted to ceo 's office as well in va. my application number is XXXX my confirmation number for equifax is XXXX where i called and had ny phone number added to my fraud alert. capitol one so far refuses to have any other solutions other than pulling my credit over again to pull down my scores. hope you can help me get my XXXX XXXX  i applied for and i was preapproved for over 6 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint on my own behalf- there is no third party involved. Citibank was claiming that I owed an alleged debt that I did not owe, so I went ahead and provided them with all the necessary exhibits proving that this account was not mine- and they went ahead and closed the account ( see attached exhibits ). On XX/XX/2021 I sent Citibank a Cease and Desist Order and Affidavit of Truth with my relevant FTC Identity Theft Report and all of my supporting exhibits- giving them everything they needed to stop trying to collect on this fraudulent debt that was not owed. I have attached the return receipt signed by them that confirms they received my letters on XX/XX/2021. Since that time, I have received hundreds of spam calls and voicemails from Citibank that just do not stop. They have filled my entire voicemail inbox completely full 3 times now, leaving an average of 6 voicemails a day. They are clearly violating my cease and desist order, and violating me in a number of ways under 15 U.S. Code 1692c. Despite the fact that I have written proof that they admitted they closed the account and were no longer collecting on it- they continue to harass me XXXX XXXX XXXX XXXX XXXX. I am demanding that Citibank cease all communication with me, stop calling me, stop leaving me voicemails, and never contact me again without my written permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If they do not comply with this final warning, I will be filing suit in Federal District court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was notified by Bank of America on XX/XX/XXXX that suspicious charges appeared on my credit card. I filed a fraud claim and received a resolution in early XXXX starting that my charges had been resolved. 

I was then notified on XX/XX/XXXX that the merchant of said charges XXXX XXXX XXXX XXXX XXXX opened a billing dispute with Bank of America regarding my fraud claim. XXXX XXXX XXXX claimed that they have my name, email, and shipping address, proving that I made and received the purchases in question. 

The charges have since been placed back on my credit card statement and Bank of America says that I am responsible to pay for these fraudulent purchases. 

I have spent 10+ hours on the phone with Bank of America and XXXX XXXX XXXX and have so far received no resolution to these charges which total over {$1200.00}. 

I have spoken with multiple supervisors and escalated my claim to the highest level available to me and still I have received no resolution. 

I am now expected to pay over {$1200.00} in unjust charges on my next billing statement or risk harming my credit and incurring debt. 

I have never participated in a transaction with XXXX XXXX XXXX, I have no accounts open with them. This purchase quantity is wildly out of character for my spending habits.

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 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have constantly been sending out letters regarding my charge off accounts. XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX XXXX. The charge off accounts are reporting incorrectly and showing a past due balance and according to the FCRA, I have the to an accurate 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 2022-01-14 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: NC

Complaint narrative:
i had my wallet stolen out my car and filed a police report for identity and theft i submited the police report and its still on my credit report and i dint authorize these those negtive items on my file please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14 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: I.C. System, Inc.
State: NY

Complaint narrative:
I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

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 2022-01-14 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

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 2022-01-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Activehours
State: NY

Complaint narrative:
Got hired on from a contract agency as a permanent employee and my pay schedule changed. Earnin wont change my withdrawal date to reflect that

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: MoneyLion Inc.
State: FL

Complaint narrative:
I have called MoneyLion on XXXX to close and removed an account off my credit, they promised me Im XX/XX/XXXX they would close but still did not. It was reported XX/XX/XXXX to all credit reports even after I was on a recorded lion stating that they would close it and bring balance back down to XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: FL

Complaint narrative:
I have been taking advantage of due to malpractice while several laws have been broken under the FCRA by your company. This is causing me financial injury and defamation of character. I am unable to get a job or apply for credit. This has hurt the credibility of hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
LVNV Funding has a XXXX XXXX account they are contacting me about. I previously had a payment arrangement set up with them, but have since stopped it. When I made contact with LVNV Funding on/around XX/XX/21, I asked them to cease telephone contact with me. Instead, they placed it with another company called XXXX XXXX and they continue to harass me via phone contact. Due to violations of the FDCPA and the abusive practices LVNV has taken to collect this debt, I request this account be removed from my credit report immediately. I plan to contact XXXX XXXX should we not reach this resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: D&A Services, LLC
State: NY

Complaint narrative:
D & A Services trying to summons money for a debt that was paid. I paid XXXX XXXX XXXX dollars for XXXX XXXX. XXXX XXXX has not updated their records. This debt was paid over two years ago. I tried to call D & A Services today and was hung up on after I explained the above .This company is offering a settlement of XXXX of XXXX. This is fraudulent because I paid the bill

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: OH

Complaint narrative:
On XX/XX/XXXX I applied for a secured credit card through XXXX XXXX. After my application, I discovered my twin brother 's credit file is showing on my credit report. I contacted Transunion on XX/XX/XXXX and they explained I would need to mail in information to verify my identity, however they did not specify all the documents I would actually need. I mailed the information on XX/XX/XXXX. I never received any confirmation so I called Transunion again on XX/XX/XXXX and they assured me it would be fixed in five to ten business days. I reapplied for the secured cc and discovered my credit file had still not been corrected. Today on XX/XX/XXXX my banker and I called Transunion after being transferred multiple times and hung up on just to find out there were no notes or updates on my credit file. I would have to resend the documents and call again for an update in five to seven business days. I also tried to contact XXXX and XXXX on XX/XX/XXXX. XXXX did not allow me to speak with a representative due to the call volume being too high and advised me to call back later. I tried to dispute my credit file online with XXXX online and by calling on XX/XX/XXXX but was not given the option to actually correct my credit file. I have been told this is a common error but not my error, to begin with. I just want to fix my credit file so I can start building my credit. This has been a major inconvenience and I have not been helped in any compacity by any of these credit bureaus. I am starting to feel defeated and possibly am being discriminated against by me being a young XXXX American man.

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 2022-01-14 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: OH

Complaint narrative:
On XX/XX/XXXX I applied for a secured credit card through XXXX XXXX. After my application, I discovered my twin brother 's credit file is showing on my credit report. I contacted XXXX on XX/XX/XXXX and they explained I would need to mail in information to verify my identity, however they did not specify all the documents I would actually need. I mailed the information on XX/XX/XXXX. I never received any confirmation so I called XXXX again on XX/XX/XXXX and they assured me it would be fixed in five to ten business days. I reapplied for the secured cc and discovered my credit file had still not been corrected. Today on XX/XX/XXXX my banker and I called XXXX after being transferred multiple times and hung up on just to find out there were no notes or updates on my credit file. I would have to resend the documents and call again for an update in five to seven business days. I also tried to contact Experian and XXXX on XX/XX/XXXX. XXXX did not allow me to speak with a representative due to the call volume being too high and advised me to call back later. I tried to dispute my credit file online with Experian online and by calling on XX/XX/XXXX but was not given the option to actually correct my credit file. I have been told this is a common error but not my error, to begin with. I just want to fix my credit file so I can start building my credit. This has been a major inconvenience and I have not been helped in any compacity by any of these credit bureaus. I am starting to feel defeated and possibly am being discriminated against by me being a young XXXX American man.

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 2022-01-14 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: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my XXXX XXXX : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Under 15 usc 1681n ( b ) Civil liability for knowing noncompliance, They have used my credit card and the inquiry is a receipt of the transaction that took place. I did not authorize this transaction 15 usc 1681a Exclusions.. 15 usc 1681a ( 4 ) infringed upon my right to privacy

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 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
i get preapprovals from XXXX XXXX every day in my inbox. i have been preapproved over 6 times for a XXXX  XXXX card. i completed a savor card application and it was denied because i had a fraud alert on my equifax account i did not know about which i have now fixed with my phone number that was left off for my contact number which was done the same week. i have mailed them more documentation to dispute this issue to the office in XXXX XXXX XXXX, ut. they refuse to reopen my application and contact equifax to process my savor card. all my emails to XXXX  XXXX that i have sent to them have come back. the refuse to help me in anyway on the phone. i have contacted to ceo 's office as well in va. my application number is XXXX my confirmation number for equifax is XXXX where i called and had ny phone number added to my fraud alert. XXXX  XXXX so far refuses to have any other solutions other than pulling my credit over again to pull down my scores. hope you can help me get my savor card i applied for and i was preapproved for over 6 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
SADLY, ONCE AGAIN EQUIFAX DID NOT FULFILL THEIR FCRA 611, 15 U.S.C.1681i, REQUIREMENTS FOR REINSERTION OF PREVIOUSLY DELETED MATERIAL, SEE BELOW EXPLANATION : XXXX XXXX  XXXX # XXXX : THIS ACCOUNT WAS REMOVED ON XX/XX/2021, by EQUIFAX XXXX BUT THEN REINSERTED WITHOUT GIVING ME A 5 DAY NOTIFICATION OF REINSERTION AND WITHOUT FURNISHING PROOF OF CERTIFICATION OF INFORMATION. 

XXXX XXXX XXXX # xxxxxxxx XXXX : THIS ACCOUNT WAS REMOVED ON XX/XX/2021, by EQUIFAX, BUT THEN REINSERTED WITHOUT GIVING ME A 5 DAY NOTIFICATION OF REINSERTION AND WITHOUT FURNISHING PROOF OF CERTIFICATION OF INFORMATION. 


THIS IS THE 2nd TIME EQUIFAX IS VIOLATING FCRA 611, 15 U.S.C 1681i RULES.

AND THIS IS CAUSING ME HARM AND FINANCIAL DISTRESS. 
I AM VERY DISAPPOINTED IN EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: FL

Complaint narrative:
TransUnion XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX Potentially negative Date openedXX/XX/XXXX BalanceXXXX StatusClosed. {$590.00} written off. 
XXXX  Potentially negative Date openedXXXX Balance- StatusClosed. {$190.00} written off. 
XXXX XXXX XXXX Potentially negative Date openedXXXX Balance {$5400.00} StatusAccount charged off. {$5700.00} written off. {$5400.00} past due as of XX/XX/XXXX. 


The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL 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