vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
i did check my XXXX  i seen alot inquiries i didnt even authorize
capital one XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
capital one ato finance 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
capital one XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX I paid the full balance of my credit card {$170.00}. Therefore, I should not had anymore bills and just forgot about the credit card because I should not have any balances. 
XX/XX/XXXX while cleaning my emails I see an email from Comenity stating I had a past due. 
I called XXXX and they told that the payment was received after XXXX, and that is why I was charged a late fee and interest charge. The CSR spoke to her supervisor and said they will clear up the balance. To check back in 48 hours. But that never happened. 
XX/XX/XXXX I submitted a dispute. And I was advised that it would take 90 days to resolve the dispute, and I would be advised of the resolution in a mailed letter. To this date XX/XX/XXXX I have not received anything. 
I have called and send messages to Comenity trying to resolve the dispute and all I get is I will hear from them in 30 days. 

As of today, they have reduced my credit limit from {$5400.00} to {$750.00}. They have reported to the credit bureaus my account as past due and late for 5 months and affected my credit score. Even though I was advised when I asked about submitting a dispute that none of that would happen. As of today, Comenity claims I owe them {$190.00}. 

Also, please note that no where on their statement states that payment must be done before XXXX of any Time. 
I have attached all the messages, statements, and a spreadsheet detailing the above mentioned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2023-05-03 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: TX

Complaint narrative:
I kindly request that you remove the inaccurate account from my credit report. As shown in the attached documents, this account is not mine, and I did not authorize anyone to use it. Please take action to remove this account 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 explanation
Consumer complaint received 2023-05-03 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: TX

Complaint narrative:
I kindly request that you remove the inaccurate account from my credit report. As shown in the attached documents, this account is not mine, and I did not authorize anyone to use it. Please take action to remove this account 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 2023-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: NC

Complaint narrative:
I called the National Recovery XX/XX/XXXX to confirm more information on debt being that I have not received anything in the mail regarding this debt, XXXX is the representative I spoke with informing me they sent out text messages I informed the representative that I havent got a text message and by law I needed something in writing she then confirmed they sent out a letter on XX/XX/XXXX. I have not got XXXX letter or text message about this debt. I have not got the opportunity to dispute and/or pay this debt. I want this removed from my credit report immediately or I will file a lawsuit for violating my consumer laws.

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 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo, my personal bank in XXXX, where I had opened an account in XXXX, NV as my home branch during the XXXX Mortgage downturn, deceptively opened a Business Checking account in my name, without my explicit permission, at a Northern California XXXX XXXX XXXX. 

I had been accepted into graduate studies at the time, and the student loan provider made a personal call to my private number to inquire about the location of my graduate program, in the XXXX California area. The account was opened at a branch less than XXXX miles away from the location of the new program. 

The following two months I never received the loan which was disbursed from the lender, according to the school. So while the tuition was covered for me that term the additional charges for the term were not, and I endured 10 weeks of homelessness while attending the program Fast forward 2 years to XX/XX/XXXX, and the same process detailed above repeated again, where funds from the lender were not received til after the term. The XXXX XXXX XXXX campus canceled my enrollment, until I eventually discovered a large chuck of funds in a secondary account under my name at Wells Fargo. At that point the remaining funds from that account were transferred to my private personal checking account, and I repeatedly incurred low balance charges ( again, without my knowledge, as I was unaware that to close the account an entire process and processing fee was required, not just a XXXX balance ) I lost up to XXXX in low balance charges over the course of the four years ( XXXX ) the account was open without my permission or knowledge. I also lost up to XXXX in timely loan disbursements that were sent back to the federal education lender, who believed to loans were going to the wrong account in XXXX, since it did not have any of the matching information of the personal checking account that was given the school 's financial billing office

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX reported a fraudulent collection account from XXXX XXXX that was also reported by XXXX in XX/XX/2022. 

I have filed a dispute with Experian and XXXX to have this file removed. My concern is that this has happened one year apart with two different companies for the XXXX fraudulent account. 

This lets me know that my information has been stolen, bought, and sold.

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 2023-05-03 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: CO

Complaint narrative:
I became delinquent with a XXXX XXXX XXXX account XXXX XXXX ; my last payment to them was XX/XX/XXXX. XXXX XXXX cancelled the debt and issued a 1099-C on XX/XX/XXXX. The reason stated on Box 6 of the 1099-C is " G - Decision or policy to discontinue collection. '' However, they have continued to report this debt monthly to all three credit bureaus. Their reporting to the credit bureaus says I still owe a balance of {$3700.00}, the account status is Charged Off, and that I am 120+ days past due. I have disputed this multiple times with Experian and XXXX, and they continue to " confirm '' that I still owe the debt. 

I contacted XXXX XXXX XXXX  multiple times, but they failed to understand the problem. I even offered to pay the debt in full if they would stop reporting this debt to the credit bureaus, but they refused my payment because I do not owe them any money, and they mailed me a copy of the 1099-C they submitted in XXXX. 

One agent last week finally understood that it's impossible for me to be past due or hold a balance on a debt that no longer exists, and he stated he documented my account thoroughly and the situation should be resolved. 

Yesterday, however, they responded to my dispute with XXXX by saying that I still hold a balance on my account and that I am still past due. 

This debt has been cancelled. It no longer exists. The 1099-C was filed with the IRS and appears on my IRS Wage and Income Transcript from XXXX. They sent me another copy of the 1099-C last month. They know I no longer owe this debt, but they refuse to stop reporting the nonexistent debt to the credit bureaus. I don't know how to make them stop.

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 2023-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This is under a payment plan already. Portfolio Recovery. Why is it being reported on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: TX

Complaint narrative:
According to the statute regarding ID theft victims having information blocked from their reports, the statute requires the CRA 's to block the information within 4 business days, it's been longer than 4 business days!!

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 2023-05-03 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: TX

Complaint narrative:
According to the statute regarding ID theft victims having information blocked from their reports, the statute requires the CRA 's to block the information within 4 business days, it's been longer than 4 business days!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC Check # XXXX Fraud Complaint 2023 XX/XX/2023 - Check # XXXX was written to XXXX XXXX XXXX XXXX XXXX XXXX the amount {$4500.00} from PNC Bank account # XXXX. It was mailed the following day to : XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 Check # XXXX paid/posted to my account. I did not verify the payee as I have been mailing checks to the payee at this address for 4 years. 

XX/XX/2023 Monthly invoice from XXXX XXXX XXXX XXXX of XXXX was received. The {$4500.00} credit was not reflected in the balance. I then reviewed the check copy and discovered the fraud. The payee had been covered with a plain sticker and the name XXXX XXXX was written in the payee section. The back was endorsed by XXXX XXXX and deposited to XXXX XXXX mobile banking. 
Both XXXX XXXX and PNC Bank honored the altered, and thus fraudulent, check. 
I immediately contacted PNC Bank. PNC Bank then mailed an affidavit to me to be completed, signed, and notarized by XXXX XXXX XXXX XXXX of XXXX XX/XX/2023 I met with XXXX XXXX of XXXX XXXX XXXX XXXX of XXXX who completed the form and had it notarized while I was there. She informed me they had filed a police report and a postal investigation. 
I took the completed form to my PNC branch that afternoon. It was then faxed internally to their fraud department. 

XX/XX/2023 I followed up with PNC customer service having received no response from their fraud department. I was directed to the XXXX department line, XXXX, option XXXX. No one answered the phone. The recording instructs the caller to leave a message and they will respond within 48 hours. No response received. 

XX/XX/2023 Another follow up call was made to the XXXX department line. Same recording. No response. 

XX/XX/2023 I contacted the local branch representative, XXXX XXXX, who had faxed the affidavit on my behalf. I asked him to file a complaint. He did. He received the same non-answer/no response from the XXXX department. 

XX/XX/2023 XXXX XXXX called me after making several inquiries on my behalf. He also sent an email stating he was told PNC policy and procedure which is 120 days to resolve check fraud. He also said he was told PNC views this as XXXX XXXX problem and their time frame is 240 days. XXXX XXXX is the only person at PNC who has shown any interest in trying to resolve my issue. 

120 240 days is total and completely unacceptable. Neither bank should have honored the check. PNC needs to credit my account ASAP. This is a clear case of fraud. PNC should have never paid the obviously altered check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-03 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: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : # XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: NV

Complaint narrative:
There is an account on my credit report from a gym called XXXX, XXXX XXXX XXXX XXXX. The information states the I had an account with this gym and that it was not paid. I never had a membership at this gym and never signed up for any membership at this gym. The account is not mine. I have sent letters to all three credit bureaus as well as the collection agency explaining that these accounts are not mine and they have still not removed the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: NV

Complaint narrative:
There is an account on my credit report from a gym called XXXX, XXXX XXXX XXXX XXXX. The information states the I had an account with this gym and that it was not paid. I never had a membership at this gym and never signed up for any membership at this gym. The account is not mine. I have sent letters to all three credit bureaus as well as the collection agency explaining that these accounts are not mine and they have still not removed the incorrect information.

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 2023-05-03 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act DEPT OF ED / XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
Searching for a bank line of credit in XXXX the site referred me over to One Main Financial, after filling out the information I was informed One Main was not a bank and that the numbers quoted were incorrect. I was not aware of what or who they were because they seem to conceal that they are a title loan company, After talking to them and realizing this was not what was advertised I requested that they remove the hard pull being that it was done by misleading me into believing they were an actual bank with credit cards and lines of credit. I was told by them I'd have to file a complaint with the credit bureau. 

I then asked if they actually do title loans for {$9500.00} as that is the amount they claimed to be able to loan or extend and they said no, they only do title loans for {$1500.00}, which again is not what was stated by lending club or them, this was all revealed after the hard pull, so they said one thing and are doing something entirely different. 

When I asked about the {$220.00} a month for {$9500.00}, and 13 % apr, they said no its $ 34 %, the whole thing was designed to lure in people who are not asking the right questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act DEPT OF ED / XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

ACCT Name : XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ( XXXX ) ACCT Name : XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ( XXXX ) ACCT Name : XXXX ACCT # 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