vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I have rights to ensure that your private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like XXXX and XXXX to exercise fairness, impartiality, and respect for my privacy. These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed me of my right to exercise my nondisclosure option. Additionally, they are reporting adverse information about my account without your permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. You have the right to opt out of their reporting at any time.

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 2024-01-21 00:00:00
Product: Credit reporting 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:
I am writi ng to follow up on my previous noti ce sent on 45 days ago from the date of this lett er, regarding the dispute of certaininformati on in my credit fi le. I am specifi cally addressing the fraudulent informati on listed below as a victi m of identi ty theft ; SeeFraudulent Inquiry Summary in letter.

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 2024-01-21 00:00:00
Product: Credit reporting 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:
I am writi ng to follow up on my previous XXXX XXXX sent on XXXX XXXX ago from the date of this XXXX XXXX, regarding the dispute of certaininformati on in my credit fi XXXX. I am specifi cally addressing the fraudulent informati on listed below as a victi m of XXXX XXXX XXXX ; XXXX XXXX XXXX in letter.

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 2024-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Going through my credit report, I noticed a debt that does not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Portfolio Recovery is continuously contacting me at XXXX am. Which is a complete disturbance of my sleep! I have screenshots and have verified the number. This is harassment. I am wanting this complaint to serve as documentation as well as the company face the consequences for harassing consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
I have rights to ensure that your private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like XXXX and XXXX to exercise fairness, impartiality, and respect for my privacy. These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed me of my right to exercise my nondisclosure option. Additionally, they are reporting adverse information about my account without your permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at XXXX  time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writi ng to follow up on my previous noti ce sent on XXXX XXXX ago from the date of this XXXX XXXX, regarding the dispute of certaininformati on in my credit fi XXXX. I am specifi cally addressing the fraudulent informati on listed below as a victi m of identi ty theft ; XXXX XXXX on Account XXXX below. 
I want to emphasize that I did not authorize XXXX  to use my name or personal informati on to obtain money, credit, loans, goods, orservices menti oned in this report. 
I did not receive XXXX  benefi ts, funds, goods, or services associated with the events described in the report. 
Furthermore, I have no knowledge or informati on about the individual ( XXXX ) who uti lized my personal informati on or identi fi cati ondocuments without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting 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:
I am writi ng to follow up on my previous XXXX XXXX sent on XXXX XXXX ago from the date of this XXXX XXXX, regarding the dispute of certaininformati on in my credit fi le. I am specifi cally addressing the XXXX  informati on listed below as a victi m of identi ty theft ; XXXX XXXX XXXX in letter.

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 2024-01-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mazda Financial Services has made it difficult for me to obtain the full buyout procedure for my lease, making it appear that leasing/buying a new XXXX  vehicle or returning the vehicle are the options accessible to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MA

Complaint narrative:
There are a whole bunch of unauthorized transactions on an account coming from a chime account that is clearly using my Social Security Number. However, my old address there are people who I am not family with or was living with anymore that may have been responsible or not I have no clue really.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing you this notice as a follow up for my previous notice sent 43 days ago from the date of this letter, to disputefraudulent unverifi able information on my credit report. The information you are reporting is inaccurate is resulting fromidentity theft.

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 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing you this notice as a follow up for my previous notice sent 43 days ago from the date of this letter, to disputefraudulent unverifi able information on my credit report. The information you are reporting is inaccurate is resulting fromidentity theft.

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 2024-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was looking through my credit report and saw a bill that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
We have had a business card with capital one since 2019 never late never not paid in full never had an issue. They closed our account and only gave us this response Capital One has observed activity on a past or present Capital One account that is not consistent with anticipated account activity based on Capital Ones account opening and ongoing due diligence. 

What does this mean? How can you offer a credit card than say we dont like how or what you buy? I want a reason as to what we did to garner our account being closed. I feel profiled by this company. I do not appreciate that they did this with zero notice just BOOM closed I had auto payment set up that were denied that could have effected my credit. I have called several times and nobody at capital one can give me a straight answer as to why this account was closed. I can tell you what wont be in my wallet anymore CAPITAL ONE!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writi ng to follow up on my previous XXXX XXXX sent on XXXX XXXX ago from the date of this lett er, regarding the dispute of certaininformati on in my credit fi le. I am specifi cally addressing the fraudulent informati on listed below as a victi m of identi ty theft ; XXXX XXXX XXXX in letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This is a Hilton Honors Surpass AMEX card. I received a statement with closing date XX/XX/23 in the amount of {$520.00}. I called to explain that was not possible as I do not use this credit card for any reason ( it sits in a locked box in my desk drawer ). It is not attached to any online website to be used purchases either. I asked what the charge is even for and I believe it was some kind of money transfer involving a XXXX account ( I have a XXXX account but it has been dormant for many years and would never be associated with this credit card anyway ). I reported the fraud and i believed it was all taken care of- they mailed me a new card. I received another statement in the mail with closing date XX/XX/23 in the amount of {$220.00}. I called to ask what this charge was for and I was told that it is the remaining balance after the first call I made did not bring my balance to XXXX for some reason - only a part of it was considered fraud? so i still had to pay the remainder. I told them again, how can i have any balance at all when i have never made a transaction with this card - 100 % of the original balance was fraudulent. I explained all of this and I was told it would removed as well - and they would be sending me another new credit card - another, new card, you are reading that right. I received another statement with closing date XX/XX/23 in the amount of {$73.00}. I called, again, and asked what is going on and I was told that the balance now is for fees. I asked why I would be asked to pay fees on charges that were fraudulent. I am currently on the phone with AMEX customer service as I write this. I consider the number of calls I have had to make and the amount of time I have spent trying to correct this to be a form of harassment and I want AMEX to be punished. They can not be allowed to do this to someone and get away with it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writi ng to follow up on my previous XXXX XXXX sent on XXXX XXXX ago from the date of this lett er, regarding the dispute of certaininformati on in my credit fi le. I am specifi cally addressing the fraudulent informati on listed below as a victi m of identi ty theft ; XXXX XXXX XXXX below.

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 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writi ng to follow up on my previous noti ce sent on XXXX XXXX ago from the date of this lett er, regarding the dispute of certaininformati on in my credit fi le. I am specifi cally addressing the fraudulent informati on listed below as a victi m of identi ty theft ; XXXX XXXX XXXX below.

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 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writi ng to follow up on my previous noti ce sent on XXXX XXXX ago from the date of this lett er, regarding the dispute of certaininformati on in my credit fi le. I am specifi cally addressing the fraudulent informati on listed below as a victi m of identi ty theft ; XXXX XXXX XXXX in letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My oldest credit card which is XXXX XXXX XXXXXXXX XXXXXXXX XXXX with a limit of {$80000.00} has strangely disappeared from my credit report on all the credit bureaus ( XXXX, XXXX and Experian ) and I have contacted them individually since XXXX, 2023 when I first noticed it and nothing has been done, I keep calling them and they say same thing every time that they see it from their end but I do not see it when I check my report and more importantly the banks and creditors do not see as well and that has affected my credit card and loan applications because my credit profile without the XXXX  XXXX XXXX XXXX card looks not good enough. I have already contacted XXXX  XXXX XXXX and they told me they report my credit to these bureaus and it is a problem from them and not XXXX. 
Also XXXX since XXXX has totally wiped out my credit history and when I check my profile every is blank and I have contacted since XX/XX/2023 and nothing has been done. Kindly help me fix my credit report. 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 2024-01-21 00:00:00
Product: Credit reporting 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:
I am writing you this notice as a follow up for my previous notice sent XXXX XXXX ago from the date of this letter, to disputefraudulent unverifi able information on my credit report. The information you are reporting is inaccurate is resulting fromidentity theft.

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 2024-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I had my savings at Capital One in an account I understood to be a high-interest savings account called 360 Savings. I specifically chose the account for this reason. I have come to learn by reading an article in the XXXX XXXX XXXX, published XX/XX/XXXX, that Capital One introduced an account called 360 Performance Savings in XXXX with much higher interest. While it ended enrollment in the 360 Savings account program for new customers, I was given no notification despite years of customer loyalty. When I learned of the new account, I immediately opened one and transferred funds. 

I am making this complaint because I believe Capital One behaved deceptively. The new account has nearly the same name and it was instituted without any notification to those who held the older account. I think Capital One has a responsibility to communicate in good faith with all of its customers about opportunities for better interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> A credit card was opened using my information. The information on the account used an address where I have never lived nor traveled to state. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I contacted the company that issued the credit card Bank of America and nothing could be found. The company did not contact me about the investigation and its still reporting in my 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 2024-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
Nothing just want to paid for pain and suffering for being deceived of title loan and have this loan removed from my credit and my car title returned in my name please

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

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 USC 1681.

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 non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting 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:
I am writing you this notice as a follow up for my previous notice sent 43 days ago from the date of this letter, to disputefraudulent unverifi able information on my credit report. The information you are reporting is inaccurate is resulting fromidentity theft.

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 2024-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
my cash app was hacked by someone named XXXX XXXX d.o.b XX/XX/XXXX he stole XXXX $ and cash refuses to refund my money or take action

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Going through my credit report, I noticed a bill that has been paid

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