vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-02 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: MD

Complaint narrative:
I have had this business card probably XXXX with Capital One, since acquiring the card, I have never defaulted and my bills were paid on time when due. In XX/XX/XXXX, I went overseas for months because of the burial ceremony of my mother, before I left, I didnt incur any debt on the card, and it was a surprise when I got back and I tried to use the card, and it was declined. I called them to ask them what the problem was and I was shocked when I was told that they had closed down the account. I asked them why did they close it, but they couldnt answer my questions. I called again about XXXX minutes later and the person said that they sent me a letter in XXXX and I didnt reply it. I said, obviously I couldnt reply it, because I was overseas and they could have sent me an email, they said they did on the XXXX XXXX  XX/XX/XXXX, I checked my emails and there was no email from them. In fact, they sent me a check for XXXX on the XXXX XXXX  XXXX for capital one reward. I told them to restore it, because they did it without writing or emailing but they refused. Sincerely, I am at loss, because the closure has affected my credit score and I want to know why they did it. I want to be compensated for the loss of points on my credit score. The business card is XXXX. I hope you will use your good office to rectify this injustice. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I sent a letter to a company on my credit report called Columbia Debt Recovery XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, the letter was returned, and I contacted the number ( XXXX ) XXXX they stated that they are called XXXX I signed this contract in XXXX and they have all incorrect information about how much I owe and the dates, I have spoke with them and they can not help me they are a debt company that bought my personal information. I need this removed of my credit I want to buy a home for my children and I. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: GA

Complaint narrative:
To whom it may concern, I have sent Equifax over XXXX pieces of mail that consist of my Ga. Driver id, police report, FTC report, proof I never lived at address. I was told within the last XXXX days that they have no Data on me I went into the Equifax office on XXXX and they gave me a outdated report and once I got home and called XXXX XXXX, I was told they was in the process of updating account because I was not in there systems. I was also told they did not have none of my documents on file. As I explained to them I told them my report was showing duplicate accounts and could they correct and fixed. Then I was told that some accounts was deleted. But the could not see so these are the accounts thats was once removed from my records and reinserted back on the reports. XXXXXXXX XXXX XXXX ; XXXX ; XXXX  XXXX XXXX XXXX XXXX, XXXX- XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX ; XXXX  XXXX, XXXX XXXX and XXXX  XXXX and These are the confirmation numbers in which it show account was deleted. XXXX, XXXX ; XXXX and I have a letter stating that a account number have been changed, This company have never learn from the ways of its past it fails to do right by the consumer it continues to lie and mismanage the system

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as lateforanypurpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/year> at XXXX EST I received a phone call and subsequent voicemail from an automated message telling me to call XXXX. My account was late by a couple weeks, which I hadnt realized until this voicemail. I was surprised that I had received no email communication regarding my due payment for last month or a missed payment. 
As soon as I got that call, I logged onto my account and paid the balance of {$93.00}. XX/XX/year> I received another call at XXXX EST that went to voicemail with another automated message left. Upon waking up, I did a quick XXXX search of the number thinking that it was a scam call. I called back the actual company number listed on my card, and I was informed by the agent XXXX that he could see the payment reflect on my account, but he could not give answers as to why I had received the initial call at an inappropriate time or why I was receiving the second call at all if my account showed my payment that I had made. Not only did they violate my rights under the TCPA, it appears they violate many peoples right under a daily basis from the number I was called from that I XXXX searched.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Around XX/XX/year>, I received an erroneous charge of {$100.00} on my XXXX credit card from XXXX. After multiple calls with customer service, Wells FargoXXXX finally addressed the issue in XX/XX/year> by launching an inquiry with the vendor and issuing me a new card. I was given a temporary credit of {$100.00} towards my balance. 

On XX/XX/year>, XXXXWells Fargo informed me that my issue was resolved and issued me a separate refund of {$100.00} directly from XXXX. On XX/XX/XXXX, XXXXWells Fargo rescinded the credit they had applied earlier. 

The issue arose when, on XX/XX/XXXX, XXXX/Wells Fargo debited my card again for {$100.00} to rescind the same credit for a second time, placing a card, which I had stopped using due to these issues, in the red with a negative balance. 

Multiple times over this six-month process, the company has applied interest and late payment penalties to these erroneous charges only to remove them, further demonstrating that they are aware these charges are incorrect. Nevertheless, they have been unable to remove the incorrect charge and let it continue to accrue fees, and I believe it may negatively impact my credit if it is not corrected. 

Currently, the balance is {$150.00}, which is a {$100.00} erroneous debit and {$51.00} in fees on that charge.

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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX SECURITY FREEZE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc.
State: FL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX SECURITY FREEZE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX  Account Number : XXXX TransUnion 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 2024-08-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX took {$6900.00} from my account i called wellls Fargo and informed them of each transaction not authorized by me they over a month they cancelled 4 debit cards they but 3 of those debit cards on my digital wallet so I can pay things. And again more giant transactions made I would call asked if they can block the merchant because Im not authorizing anything they said no. 
I asked for a lost and transfer and they refused. I asked to close my account and refused. 

I still dont have a debit card. Nothing! They said because I agree for the cards to go in my digital wallet thats me giving access to ALL transactions. The bank never told me that nor does their policy state that. I never authorized any of the transactions they showed me. I said I have proof XXXX emails me invoices monthly of what they charge which is {$33.00} and they refused my proof, so I said how are you doing the investigation. They have refused to call me deny any claim and Im not allowed to appeal. I filed a police report in XXXX XXXX XXXX XXXX their number is ( XXXX ) XXXX police report XXXX XXXX XXXX XXXXXXXX. I have claim numbers, Ive gone in branch they gave me expedited claims and nothing. They refuse to even speak to me. A nice lady in a branch in XXXX XXXX on the XXXX XXXX gave me all the claims that they never submitted when each card was cancelled. They also sent texts to confirm fraud I said no I did not authorize none of these purchases. And all they said you authorized them by putting your debit card on your digital wallet. I had no idea others or I would have never. I call daily no information someone will call me back Im still waiting for a call. I do in branch and they cant help I have to call customer service. I banked there XXXX XXXXXXXX never had an issue, they were suppose to protect me and they refused to listen to me. XXXX XXXX XXXX XXXX XXXX XXXX  and I was unable to help because Im unable to use my account and because my money is not there. Ive done all I have to do and all Ive got is ignored. I want to close my account and they said I couldnt I asked why no reason just call customer service Im frustrated and sad. I dont know what to do!

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 2024-08-02 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: SC

Complaint narrative:
Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of XXXX  :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.

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 2024-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Past due payment of 30, 60 and 90 days where reported to credit bureau illegally under US sec 15 USC 6802 B ( opt-out ) .This report was opened on XX/XX/year> under 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 2024-08-02 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: WA

Complaint narrative:
I was a victim of Identity theft, there is a fraudulent inquiry on my Experian Credit Report. Please remove this hard inquiry that doesn't belong to me XX/XX/year> - XXXX  XXXX XXXX I have already filed a FTC 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 2024-08-02 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: TX

Complaint narrative:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.

Company response to consumer: Closed with non-monetary relief