vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
XXXX XXXX XXXX had filed a default judgement against me that was a result of identity theft, and are currently garnishing my wages. I was never served a summons for court to defend myself and never received any communications regarding what was going on. I was very surprised when I received an email from my HR department alerting me that they have been mandated to garnish 25 % of my bi-weekly paycheck to XXXX XXXX in their attempt to collect a debt that has an unpaid balance of {$140000.00}. I was informed that they are obligated by law to start garnishing as soon as possible which started on XX/XX/2019 and is still on going. I was very distraught with this and promptly responded to my HR to see if there was anything that could be done about it. I was informed that until they receive something from the law firm ( XXXX XXXX XXXX XXXX ) letting them know that the issue has been resolved, their hands are tied by law. I could not believe what was happening as I had no idea that I had a credit card with Capital one, or that I was sued by XXXX XXXX, and as a result of not knowing all this, they were automatically granted a default judgement because how could I have defended myself if I had no idea on what was going on which I didn't as I never receive a court summon or any sort of communication. 

I immediately went to check my credit report from all three credit bureaus which is something I have not done in a while and immediately noticed that they had also reported this on my credit and XXXX XXXX have also acquired another supposedly debt from XXXX XXXX with a {$660.00} unpaid balance. I immediately contacted XXXX XXXX mainly discussing the account with {$140000.00} which they are currently garnishing my wages for. I explained to them that I am a victim of identity theft and never submitted a Capital one credit card application or Capital one collection and I never received a court summon any communications. They asked me about an address on file which was not my correct address, and I told them so. I was told that there is nothing than can be done about it because they now have a default judgement and will continue to garnish my wages. I went on to file a fraud alert and dispute with all three credit bureaus as outlined in FCRA section 609 form asking them to verify proof of the debt with physical verification of an original signed consumer contract and have been responded with verified as accurate which is still not in agreement with the law, thus continuing to be in violation with section 611 -noncompliance and continuing to damage my report and garnishing my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Netspend Corporation
State: WI

Complaint narrative:
On XX/XX/2019, I received a piece of mail from a company called Netspend. I open the mail to find an offer to sign up for a prepaid debit card. I usually don't get authentic cards in the mail when I get offers, but this was a legit card that was created without my consent with instructions included to activate the card. 

Upon calling the number to question why I received this card -- it was evident this was not fraudulent -- because the automated recording gave an explanation as to why I received this offer. In that same call I chose to " cancel the card and opt-out of future mailings '' I'm sending this message to you because I take my credit health every seriously. It's very insulting and disgusting that Netspend is allowed to create a real account without my consent. With all of the fraud and money laundering that exists today, I could have very well thrown away the mail ( which I usually do ) that contains an actual card, and could have become a victim of fraud.

It is extremely negligent for them to practice this type of advertising.

This may not be fraud from an individual, but this is actually  fraudulent from Netspend. I would like to know the steps an individual can take to file a lawsuit against a company like this.

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 2019-10-05 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: NV

Complaint narrative:
There are several accounts on my credit report that aren't mine.

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 2019-10-05 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: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
" NEW ISSUE '' PRA pulled a Hard inquiry on my credit report on XXXX XXXX without authorization or permission from me this is illegal. Now it showing the removal of the inquiry ( This inquiry could stay on your report untilXX/XX/XXXX. ) has to stay on my report for 2 years.I need this inquiry remove immediately. Cease all pulling of my credit reports. Anymore violations I will be seeking remedy in Third District Court here in XXXX XXXX XXXX Utah.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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: NV

Complaint narrative:
There are several accounts on my credit report that aren't mine.

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 2019-10-05 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: NV

Complaint narrative:
There are several accounts on my credit report that aren't mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: WA

Complaint narrative:
I made a settlement agreement with the company and paid the agreed amount. Several weeks after paying final installment i filed a dispute. They are saying that it's accurate. I have a copy of settlement agreement as well as my bank bill pay showing payments and dates. 3 payments to equal {$560.00}. 
2 payments at XXXX and 1 at XXXX to reach the settlement amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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: UT

Complaint narrative:
" NEW ISSUE '' XXXX pulled a Hard inquiry on my credit report on XX/XX/XXXX without authorization or permission from me this is illegal. Now it showing the removal of the inquiry ( This inquiry could stay on your report untilXX/XX/XXXX. ) has to stay on my report for 2 years.I need this inquiry remove immediately. Cease all pulling of my credit reports. Anymore violations I will be seeking remedy in XXXX   District Court here in XXXX XXXX XXXX Utah.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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: UT

Complaint narrative:
" NEW ISSUE '' Trans Union and XXXX are both breaking the law! XXXX has police report documentation which specifically states my identity and my accounts were fraudulently used. They have specifically violated the Fair Credit Billing Act and Truth in lending Act. They are NOT supposed to report fraudulent balances under these laws. Their fraud investigation failed to contact Detective XXXX XXXX as my credit cards were fraudulent used. I DID NOT authorize or give someone else permission to use any of my cards my life was threatened and a crime was committed against me. The police reports overrides their investigation and the FCBA and TILA are federal laws that both Trans Union and XXXX are both exploiting and ignoring the law. So I am continuously filing complaints against both with the CFPB. Continuously reporting this XXXX account on my credit reports is a willful and direct violation under the FCRA section 623 and FCBA and the TILA acts.

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 2019-10-05 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: EMCC Holdings, LLC
State: OK

Complaint narrative:
We received a loan in XXXX for a timeshare type service XXXX XXXX XXXX that we did not realize at the time was a fraudulent company. We have not had any success contacting the company through mail, email, or phone. We were lied to about pricing of the travel site and pressured into getting it. We have also not had any luck resolving with Equiant whom the loan is through. As a result of now contact or resolution. We stopped paying in XX/XX/XXXX and are now seeking credit repair services to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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: OK

Complaint narrative:
The debt listed by XXXX XXXX XXXX is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
MY PROBLEM IS WITH CITIBANK OF XXXX XXXX, TEXAS. I OPENED AN ATM/CHECKING ACCOUNT THAT I BELIEVED WAS A NON MONTHLYFEE ACCOUNT. 

I DEPOSITED ABOUT {$200.00} AND DID MAKE A FEW CHARGES FROM XXXX. HOWEVER, I DID HAVE A POSITIVE BALANCE. UNTIL I LEARNED TODAY, XX/XX/2019. AFTER SO MANY UNWANTED PHONE CALLS. OFTEN WHEN I PICK UP THE PHONE, I WOULD GET A COMPUTER SYSTEM THAT WOULD DISCONNECT OR HANGUP ON ME. 

AT THIS POINT, ALL I WANT IS NOT TO HAVE ANY COMMUNICATIONS WITH CITIBANK AND FOR THEM TO STOP CHARGING ME FEES EACH. TERMINATE ALL SERVICE OR CONTACT WITH THEM PERIOD.

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 2019-10-05 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
" New Issue '' Experian is NOT sending the police reports to XXXX in their investigation. There is a XXXX account that should been DELETED due to it being closed due to a fraudulent balance being reported. Yet it continues to remain on my credit report. XXXX XXXX is violating the law by not abiding the police reports. Violating the law under the Fair Credit Billing Act and Truth in Lending Act. Experian is now in violation by not removing this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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: MO

Complaint narrative:
I have 8 Negative accounts on my report that I'm no longer responsible for. They were 8 student loans under XXXX that had later been transferred to the Department of Education. Since then they were consolidated into 2 new positive accounts and then those were closed because they were fully discharged due to XXXX   XXXX. The new accounts reflect current and a XXXX  balance and the old accounts should be removed due to the discharge removing responsibility. This was originally sent to Equifax on XX/XX/2018 along with the discharge letter and was responded with the accounts have been verified. There have been several disputes sent in the last 10 months as well as a request for method of verification which was never complied with either. The XXXX accounts have been removed however the 8 Department of Education accounts remained. These accounts need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-10-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Performant Financial Corporation
State: NJ

Complaint narrative:
Performant performed unauthorized credit check on repeat basis

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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: CA

Complaint narrative:
During the month of XXXX I paid {$19.00} for a sent a certified letter to the credit bureau Equifax and XXXX on XX/XX/19. I received confirmation for Equifax with the tracking number XXXX and for the letter with XXXX   XXXX were delivered on XX/XX/19. I paid my credit monitoring account {$29.00} today to review my credit report with Equifax and noticed that the invalid/fraudulent accounts has not been deleted nor have I received any correspondence from them to my address. According to the Fair Credit Reporting Act, Section 611,  Equifax and XXXX has 30 days to investigate and delete the disputed items. It is not XX/XX/19 and it has been over 60 days and the items are still being reported on my credit reports and causing unnecessary health strains on me as a consumer. I am filing a complaint with the Consumer Finance Protection Bureau to get the help I need since my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian refuses to provide a mailed hard copy of my free annual credit report. They sent me a postcard stating that they could not provide it to me because I did not provide sufficient identification information and would need to submit information to them ( with no address given ) to get my report. They also state that I can get the report online. First of all, I provided them a copy of my drivers license and utility bill in the past, so they are continuing to harass me for this information so they dont need to comply with the FCRA. Second of all, they did not provide any address to submit documentation. Further, there is a cost to make copies of the documents that they are requesting and there is a cost to mailing this information. How is this meet the criteria for my free annual credit report? I am not sure why Experian feels that they can continue to avoid following the FCRA and continue to force me ( harass me ) to provide additional information, which I have provided to them in the past.

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 2019-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: GREAT LAKES
State: GA

Complaint narrative:
Hello, Im contacting in regards to my closed student loan account listed on my XXXX  and XXXX credit report. 

I did contact and try to dispute the account about a year ago on XX/XX/2018 but was informed I could not as it was only 6 years and to wait the 7 year mark. 

It is now 7 years and 7 months and I was trying to see if I could now get this account removed. 

I was not allow to resubmit my dispute again so I was referred to contact the company this way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
XX/XX/2019 XXXX I walked in to wellsfargo bank to dispute some on going charges that I did not give any say so on my accounts ... there were muilt accounts opened and transferred to without my perimison ... I ask to dispute them I received paper in the mail saying there is no further investigation for my wells fargo that its been a charge off account for XXXX dollars

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 2019-10-05 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: FL

Complaint narrative:
The credit report is showing 2 late payments which is inaccurate. I have not late payments on any credit card I've ever had. It says XXXX XXXX and this is not accurate. Please research and adjust Thank you

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 2019-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This bank is so rude to me from customer care to this office of the president they sent me a letter nkt addresing my concerns everyone I call this number with extension his name is XXXX and he never answers or returns my voicemails so unprofessional people they dont care they have changed all my Accountss nkt fair without my knowledge in XXXX they changed my retail accounts to online only and they dont seem to understand I dont like this changes they made on my account because now I cant do international wires at a branch anymore to send my family money why do they get away with this

Company response to consumer: Closed with explanation