vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
Credence resource claimed they have been trying to contact me at another address and insist I live at the location. They threatened to continue to destroy me during the pandemic about the validity of such debt. The original company XXXX XXXX XXXX  ceased contact years ago because I never renewed contract with them it was cancelled and equipment was returned. Credence Resource has harassed and threatened me over the phone when I have called them. They have continued to call and not identify company or leave message. Repeated calls seven minutes apart. This is the second time I have submitted dispute. One was XXXX  now XXXX XXXX  but my contract was with XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2022, I received a mailed letter from Capital One bank with a new debit card. This letter and debit card were addressed to me even though I did not open an account at this bank nor have I ever had an account with this bank. I contacted Capital One and spoke with a representative regarding fraud. The representative informed me that the checking account was opened on XX/XX/2022 and did not have a balance currently. The representative stated that my social security, birth date, and address were used to open the account. The representative would not give me any further information on who opened the account in my name but they did close the checking/debit account. I have contacted all three credit agencies and requested that a freeze be placed on my credit file until further notice. I also had an initial fraud alert placed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
Ive been a victim of identity theft in the past. I recently noticed some unauthorized inquiries on my report that are NOT mine on my TransUnion and XXXX credit report. Incorrect inquiries on my TransUnion is XXXX XX/XX/XXXX. 
Incorrect XXXX inquiries are XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX Also XXXX XXXX  we bank is NOT my account. Please remove. XXXX XXXX XXXX a collection account is reporting Inaccurate comments. This account was paid in full. Please remove all these inaccuracies on my credit profile. 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 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
Ive been a victim of identity theft in the past. I recently noticed some unauthorized inquiries on my report that are NOT mine on my XXXX and XXXX credit report. Incorrect inquiries on my XXXX is XXXX XX/XX/XXXX. 
Incorrect XXXX inquiries are XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  we bank is NOT my account. Please remove. XXXX XXXX XXXX a collection account is reporting Inaccurate comments. This account was paid in full. Please remove all these inaccuracies on my credit profile. 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 2022-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
During the month of XXXX, I sent a notification to Portfolio Recovery Associates about removing 2 old time-barred debts from my credit report, and gave them the standard 30 day to comply, with a mailing address out of state. ( that would be forwarded to me ) They immediately attempted to sue me for one account in hopes of collecting at the mailing address, out of state and beyond the statute of limitations allowable under Nevada State law # XXXX and under the FDCPA 7.2.12.3.1, and have failed to respond within the allowable 30 days on the other.

They knowingly knew this is beyond the XXXX, and have fraudulently opened 2 accounts in my name for purposes of collection, after both accounts were already closed. The time-barred debts according to XXXX # XXXX is 4 years max for credit cards, which both accounts they hold are beyond the 4 year maximum.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2022 I inadvertently transferred on line {$26000.00} dollars to my bank of America credit card instead of to my checking account. It should be noted that I had not used that credit card in probably over 1 year. When I called bank of America I was told it would be credited back to my checking account. I have called 4 times and every time I am told they are putting the money back in my account. When i spoke to a representative on Monday i was told i could write out checks and the money would be put back in my account by Thursday. The money is still not in my account after 19 days. I spoke again to bank of America representative today and now being told 7 more business days. They have repeated lied to me. Thank XXXX they tape the conversations so you should be able to document the lying. I want my money back.

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 2022-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at XXXX, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
My consumer rights and privacy under 15 usc 1692 et seq and 15 usc 1681 et seq. This company murdered my consumer profile denying my credit because of unauthorized inquiries. On XX/XX/2022 the first letter was sent via certified mail asking for unauthorized information to be removed from my credit report. On XX/XX/2022 second letter was sent via certified mail asking for unauthorized information to be removed from my credit report. On XX/XX/2022, on report third letter was sent via certified mail asking for unauthorized information to be removed from my credit report. None of my request have not being honored. Experian is declining to sent any document signed by me approving this inquires. 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 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These two Hard Inquiries are not mine. 
XX/XX/2021, XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/2021, XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: AZ

Complaint narrative:
They are threatening to add this to my credit report in a month. I know for a fact this is illegal & completely unfair. This is identity theft & I want it removed from all credit bureaus as a soon as possible please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: FL

Complaint narrative:
In Accordance with the Fair Credit Reporting and XXXX Account, the below listed accounts has violated my rights. 

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

15 U.S.C 1681 Section 602 A. also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX ( Finance ) XXXX  ( Bank ) XXXX XXXX : Last reported XX/XX/XXXX {$250.00} Open balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$330.00} -- -- - Highest balance : {$330.00} XXXX XXXX XXXX XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$19000.00} -- -- Highest balance : {$25000.00} XXXX XXXXXXXX : Last reported XX/XX/XXXX Reported balance : {$1100.00} -- -- - Credit limit : {$600.00} XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$690.00} -- -- - Credit limit : {$500.00} XXXX XXXX  : {$18000.00} Reported balance DEPT OF ED / XXXX : {$7500.00} On time DEPT OF ED / XXXX : {$4000.00} On time DEPT OF ED / XXXX : {$3100.00} On time DEPT OF ED / XXXX : {$3100.00} On time DEPT OF ED / XXXX : {$330.00} On time DEPT OF ED / XXXX : {$240.00} On time XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Reported balance : {$0.00} -- -- Highest balance : {$9000.00} XXXX XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$0.00} -- -- - Highest balance : {$9600.00} XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$0.00} -- -- Highest balance : {$5200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 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: FL

Complaint narrative:
In Accordance with the Fair Credit Reporting and XXXX Account, the below listed accounts has violated my rights.

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

15 U.S.C 1681 Section 602 A. also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX ( Finance ) XXXX  ( Bank ) XXXX XXXX : Last reported XX/XX/XXXX {$250.00} Open balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original creditor ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$330.00} -- -- - Highest balance : {$330.00} XXXX XXXX XXXX XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$19000.00} -- -- Highest balance : {$25000.00} XXXX XXXX XXXX Last reported XX/XX/XXXX Reported balance : {$1100.00} -- -- - Credit limit : {$600.00} XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$690.00} -- -- - Credit limit : {$500.00} XXXX XXXX  : {$18000.00} Reported balance DEPT OF ED / XXXX : {$7500.00} On time DEPT OF ED / XXXX : {$4000.00} On time DEPT OF ED / XXXX : {$3100.00} On time DEPT OF ED / XXXX : {$3100.00} On time DEPT OF ED / XXXX : {$330.00} On time DEPT OF ED / XXXX : {$240.00} On time XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX Reported balance : {$0.00} -- -- Highest balance : {$9000.00} XXXX XXXX XXXX : Last reported XX/XX/XXXX Reported balance : {$0.00} -- -- - Highest balance : {$9600.00} XXXX XXXX  : Last reported XX/XX/XXXX Reported balance : {$0.00} -- -- Highest balance : {$5200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX my mother passed away from XXXX. I immediately experienced a financial hardship in covering my mother 's final expenses and estate debt. I notified Flagstar of my hardship and I was advised that I could defer my payments for 3 months and that at the end of this period my payments would be deferred to the end of the loan. In XXXX I called Flagstar to begin the process of deferring the payments. The request was initially denied since I had previously deferred 3 payments due to Covid. I was told that I was still eligible for the payment deferral and a new request was submitted and escalated. I have since called in every week to check on the status of this new request and each time I am told that there is no update from the underwriter and an email will be sent to follow up. It has now been 3 months of waiting for a response and in the meantime I am harassed with collection calls from Flagstar stating that I am delinquent and that on XX/XX/XXXX my Covid forbearance will end and immediately my loan will be reported delinquent to the credit bureaus and a loss mitigation process will be initiated. It is unacceptable that after 3 months and weekly follow up emails that Flagstar has not provided a response to the deferral request.

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 2022-07-21 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: SC

Complaint narrative:
This collection was disputed and removed then placed back on my account. This collection was removed because i did not owe XXXX this debt and they couldn't provide the information to placed this alleged debt on me. This collection must be removed from my credit report immediately for it is in violation. I also provided the letter saying that they will removed the collection.

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 2022-07-21 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:
I received a phone call From XXXX ( XXXX ) XXXX stating that someone had applied for a XXXX XXXX card in my name. I checked my credit report and saw the inquiry but i did not do the application. They left a message telling me to call ( XXXX ) XXXX and upon speaking to them i did give them my social security number to verify the account. They said it was denied and that i should get something in the mail. Later i googled the number and saw it associated with a scam likely forum. Im now very concerned for myself and my credit as i gave them my social security under the impression that it was XXXX XXXX card services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I applied at XXXX and online both applications were denied by Synchrony Bank without providing details on why the card was denied

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 2022-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Three attempts were made to obtain credit in my name using my social security number : XXXX XX/XX/2022 - XXXX XXXX XXXX XXXX - Inquiry XXXX XX/XX/2022- XXXX XXXX XXXX XXXX - Inquiry XXXX XX/XX/2022 Wells Fargo Bank XXXX - Account Opened I contacted all three financial institutions and verified that someone was fraudulently attempting to open accounts using my name and social security number. The accounts have been blocked and no financial loss has been incurred by me at this time. 
I was made aware of these attempts by two credit monitoring services that were provided to me due to security breaches at institutions I have dealt with in the past. I have frozen my credit report and placed fraud alerts with the three credit agencies.

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 2022-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America blocked my access to online banking while traveling. The only way I could log into online banking to pay my XXXX  credit card bills was to have the card 's 3 diget code on the back. I did not have the cards on me as I only use the cards for recurring bills so they are kept in my desk.

I was traveling for nearly a month and XXXX of the cards went 30 days past due. I paid the cards as soon as I returned home and could get the codes off the back. However, Bank of Americ took my limits from {$42000.00} and {$18000.00} and has put the limit now at {$500.00}. They have also refused to take away the 30 day late reporting to the credit bureau 's even though they know I tried to pay while traveling ( I have email confirmations with codes to try and attain access to online banking during this time but I had to have the three-digit codes ). 

I have asked for them to take away the 30-day late reporting, but they refused. I have asked to have my limits increased to their former amounts. They have declined the request two times now.

The result of these two things ( reporting a 30-day late payment and the decrease of nearly {$60000.00} in available credit has had a very negative impact on my overall credit rating at a time when I am attempting to attain financing on our home. 

Everyone I spoke with at BofA was sympathetic to the situation. They understood that I tried to make the payment but could not due to traveling. But they also said they were unable to do anything to help me. 

This is wrong. I can prove that I was trying to log in to pay the bill ( via these emails ) but was unable to. This is their system and their protocols which made it impossible for me to pay my bill but they are punishing me for it. I have had both of these cards for 20 years. I have never been 30 days late on them. But it counts for nothing.

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 2022-07-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did a consultation via phone with a dental office called XXXX XXXX  located in XXXX Florida. They used my personal information to open the account and charged a total of {$7500.00} XXXX XX/XX/2022 when I have not even visit the office in person or get any services. I have never signed any documents to open this credit card called XXXX.

Company response to consumer: Closed with explanation