vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital one decided to close my accounts via no notification prior. stated they can't tell me why. I have {$9.00} in the account that belongs to me and frankly the account should have been closed and another opened when it was compromised. yet the have yet to communicate anything further to me going over a month now. 

they need thorough investigation. They offer upto {$50.00} for referrals. which Is legal I guess but they need a good talking too on my behalf. I was left without a means to buy gas and food and as hard as I work I want them held accountable. fine them. as well as ask the to disclose all info regarding the breach of my account. my ss # has been compromised no thanks to the SC dept of revenue breach in 2010. And here I have to worry how I will eat.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: CA

Complaint narrative:
THIS IS A DIRECT RESULT OF IDENTITY THEFT. CAPITAL ONE IS REPEATEDLY REPORTING FRAUDULENT INFORMATION ON MY CREDIT REPORT. NEXT ACTION TAKEN WILL BE LAWSUIT AGAINST CAPITAL ONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: VA

Complaint narrative:
Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX  credit bureaus XX/XX/2022, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$19000.00}

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 2022-05-31 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: VA

Complaint narrative:
Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/2022, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: PA

Complaint narrative:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific accounts which was inaccurate that were showing in my credit file. The accounts I am questioning are not affiliated with me nor received any money, goods, or services. These accounts are unknown to me. I have doubts in their accuracy and the reported payment history. As required by FCRA 605B ( c ) ( 1 ) ( C ) you are required by law to remove accounts which is found to be opened due to identity theft. These negative accounts are as follows : XXXX XXXX Balance : {$5300.00} ; XXXX XXXX Balance : {$0.00} ; and XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1300.00}.

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 2022-05-31 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: PA

Complaint narrative:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific accounts which was inaccurate that were showing in my credit file. The accounts I am questioning are not affiliated with me nor received any money, goods, or services. These accounts are unknown to me. I have doubts in their accuracy and the reported payment history. As required by FCRA 605B ( c ) ( 1 ) ( C ) you are required by law to remove accounts which is found to be opened due to identity theft. These negative accounts are as follows : XXXX XXXX Balance : {$5300.00} ; XXXX XXXX Balance : {$0.00} ; and XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX )  XXXX Balance : {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
On XX/XX/XXXX I transferred from American Express Serve XXXX XXXX card {$50.00}, to my linked bank account. It was debited from my XXXX XXXX account and I received notification from my bank account that it will be available the following day XX/XX/XXXX and it arrived as I have the email from bank. The next day, I received an email from my bank that I was overdrawn because the deposit was returned due to inaccurate bank information. It stated that until the account information I provided for XXXX. XXXX. XXXX bank was corrected, I would be unable to perform future deposits using XXXX. XXXX. XXXX bank. 
However, when I called XXXX express they had no record of this transfer and it disappeared from my online account history and my balance did not reflect this XXXX. 
On multiple dates after XX/XX/XXXX I have called American Express which basically can not locate this transaction. I added up all the transactions from after my irs refund was deposited on XX/XX/XXXX through current day and these are not balance, considered all transactions listed. 
Also, as advertised there are in network free atms, which really are not free because people are still being charged for these atms that are supposedly free, meaning no fees should be taken at any point. 
I have called XX/XX/XXXX and XX/XX/XXXX spoke to people for over XXXX minutes when they were supposedly looking and adding all items when suddenly disconnected after being placed on hold. No returned calls and can't get back to same individuals and no notes taken per next customer service rep. 
This is a company is preying on individuals who receive income tax returns and are literally taken money a little at a time or not returning cancelled or returned items thinking people won't go through the extra effort and take steps like this because we are considered a lower income bracket and probably less informed or educated. Please stop this scamming company and XXXX XXXX should be ashamed, they only promote this card in able to get a refund anticipation loan right before XXXX when people are struggling to buy gifts for their dependents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX/XXXX  # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: VA

Complaint narrative:
I value your help to ELIMINATE a portion of the data in my credit file that came about because of a FRAUD yet I have certain accounts passed on that should be deleted. Per FCRA segment 605 you are expected to clear any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXX  XXXX Balance : {$190.00} ; XXXX  XXXX Balance : {$140.00} ; XXXX XXXX Balance : {$170.00} ; XXXX XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$130.00} ; XXXX  XXXX Balance : {$89.00} ; XXXX  XXXX Balance : {$160.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$330.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$330.00}

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 2022-05-31 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: VA

Complaint narrative:
I value your help to ELIMINATE a portion of the data in my credit file that came about because of a FRAUD yet I have certain accounts passed on that should be deleted. Per FCRA segment 605 you are expected to clear any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXX  XXXX Balance : {$190.00} ; XXXX XXXX Balance : {$140.00} ; XXXX XXXX Balance : {$170.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$130.00} ; XXXX  XXXX Balance : {$89.00} ; XXXX XXXX Balance : {$160.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$330.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$330.00}

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 2022-05-31 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: VA

Complaint narrative:
I value your help to ELIMINATE a portion of the data in my credit file that came about because of a FRAUD yet I have certain accounts passed on that should be deleted. Per FCRA segment 605 you are expected to clear any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXX  XXXX Balance : {$190.00} ; XXXX  XXXX Balance : {$140.00} ; XXXX  XXXX Balance : {$170.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$130.00} ; XXXX  XXXX Balance : {$89.00} ; XXXX  XXXX Balance : {$160.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$330.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX/XXXX  # 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 2022-05-31 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX/XXXX  # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
THIS COMPANY CHECKED MY CREDIT REPORT WITHOUT MY PERMISSION. THERE IS A STATEMENT ON MY CREDIT REPORTS THAT STATES TO CALL ME AND MY NUMBER IS LISTED FOR THEIR USE TO CALL ME, I DID NOT APPLY FOR ANY CREDIT FROM THESE COMPANIES. I AM A VICTIM OF IDENTITY THEFT. ALL THREE CREDIT BUREAUS KNOW THIS. THIS IS WHY THERE IS A FREEZE ON MY CREDIT REPORT. HOW THEY GOT INTO MY REPORTS I DON'T KNOW, MY CREDIT IS BEING CHECKED FOR SOMEONE ELSE. THIS IS IDENTITY THEFT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: CORELOGIC INC
State: AL

Complaint narrative:
THIS COMPANY CHECKED MY CREDIT REPORT WITHOUT MY PERMISSION. THERE IS A STATEMENT ON MY CREDIT REPORTS THAT STATES TO CALL ME AND MY NUMBER IS LISTED FOR THEIR USE TO CALL ME, I DID NOT APPLY FOR ANY CREDIT FROM THESE COMPANIES. I AM A VICTIM OF IDENTITY THEFT. ALL THREE CREDIT BUREAUS KNOW THIS. THIS IS WHY THERE IS A FREEZE ON MY CREDIT REPORT. HOW THEY GOT INTO MY REPORTS I DON'T KNOW, MY CREDIT IS BEING CHECKED FOR SOMEONE ELSE. THIS IS IDENTITY 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 2022-05-31 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: MS

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 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 2022-05-31 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Debt Reporting Act. 

XXXX  XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX account # XXXX has violated my righs. 
XXXX XXXX account # XXXX has violated my rights XXXX XXXX account # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights XXXX  XXXX  account # XXXX has violated my rights XXXX XXXX  # XXXX has violated my rights 15 U.S, C 1682 Section 602 A. : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states : A consumer reporting agency can not furnish a aaccount without my written instruction..

15 U.S.C 1692e Section 8 : updating without showing disputed.

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 2022-05-31 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: Colony Brands, Inc.
State: AR

Complaint narrative:
Yes I recieved a bill from Montgomery Ward saying I had bought a tv for XXXX and it was delivered to my address but I never bought a TV from thrm or did I recieve one nor do I want one and shoild not have to pay for something I dod not order or want or recieve

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: TX

Complaint narrative:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Please remove the following Items as they are the result of Identity Theft : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX - XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$84.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$310.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3600.00} ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX  XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX  XXXX  Inquiry Date XXXX XXXX, XXXX ; XXXX  XXXX XXXX  XXXX  Inquiry Date XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Please remove the following Items as they are the result of Identity Theft : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX - XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX  XXXX Opened XXXX. XXXX, XXXX Balance {$84.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$310.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3600.00} ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX  XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX  XXXX  Inquiry Date XXXX XXXX, XXXX ; XXXX  XXXX XXXX XXXX  Inquiry Date 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 non-monetary relief
Consumer complaint received 2022-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I was scammed for over XXXX grand I tried to dispute the charges to get my money back from the bank chime and they refuse to give it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
Company : XXXX  at XXXX Debt Collector : Hunter Warfield Date of debt : XX/XX/2022. 
Amount : {$680.00} Actions taken : have continously followed up with the debt collector to disbute the transaction. They have told me that their client has given them zero response. I have stated to Hunter Warfield multiple times to follow up with me via emai and i have records to prove that i have given them express permission to do so. I disputed the amount immediately. In bad faith, Hunter Warfield has decided to not communicate with me.

Company response to consumer: Closed with explanation