vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
When I applied for a Capital One Business credit card using my EIN on XX/XX/XXXX   I was denied with the reason being that Capital One could not verify my identification. However the hard inquiry instantly hit my credit profile before the company had even obtained my ssn. I had called into Capital One to ask them what documents were needed to additionally to my application, followed the directions and sent in the documents. I was denied on the XXXX of XXXX. After my second complaint I received a call from an executive who left a message and I have yet to personally talk with her but yet my case is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: KY

Complaint narrative:
The customer service representative told me I didn't have an account. As I continued to login, she said I didn't have an account. Then the system, showed the account was open and had a security freeze that i lifted yesterday. 
I have been frauded and working my whole life for nothing. This country is terrible, and no one is helping me. 
PLEASE HELP 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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I received a negative hit on my credit report on a credit card I did not open. This Bank of America card was opened and mailed to an address I had not lived in for almost a year. I called Bank of America on XXXX and registered a complaint. I asked who authorized and was not provided an answer. I was assured it would be handled in 30 days and I would receive a report/confirmation in the mail. 
XXXX has dropped the negative hit. 
NOTE : Amount owed on credit card was annual card fee and penalty. 
XXXX has received another report from Bank of America-60day late- and score has further dropped. I called XXXX to dispute. I called Bank of America back on XXXX and was advised to wait until the end of the 30 days, should be cleared by XXXX. They stated request still processing/being investigated. 
I called Bank of America today as XXXX credit reporting still has a negative 2 payment late strike. I was told by Bank of America that I DID NOT report fraud on XXXX, but I " simply talked about a credit card that wasn't mine '' They are now stating they have up to 90 days to investigate and it could take even longer. 
I asked to speak to someone to review this misinformation and was told I could only speak to the person on the phone and there was no recourse but to wait until Bank of America investigated and decision was made. 
I have no idea what decision they are referring to. I did not open this card and was mailed to an old address. Nor have I received any statements, ever. 
Bank of America opened this account without my knowledge or permission.

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 2023-11-29 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 ( XXXX  ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2023 and XX/XX/2023 I requested online and by phone Equifax to lift my credit file freeze. Their website incorrectly posts my information as incorrect. Their phone authentication process is difficult and impossible to navigate. Equifax rejected my multiple requests to lift my credit file freeze. I am unable to recall my past credit history because I have a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and need help to unfreeze my file. Equifax did not offer to help me. It's my credit file!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Refer to the attached documents. Exclude this personal information that does not pertain to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have made multiple attempts to unfreeze my credit with Trans Union. Their website doesn't work, their chat service is a joke, it goes round and round saying the same XXXX info that doesn't work either. I finally had to call wait to get someone and they asked questions about where my dad 's 4th wife lives who I haven't spoken to for 39 years. They were married for several months when I was 19ish. 
It was a ridiculous frustrating process that took an hour to simply unfreeze my credit. Credit I never asked them to data base or spit out some XXXX  score. They should not be allowed to operate basically holding my ability to manage my credit hostage!

Also, I was told just now they discontinued the pin number ID ( which I have ) and I was never notified. They asked me to approve receiving an email from them but wouldn't tell me what the contents of the email would be. How is that even legal? You can't consent to what you don't know! 
Please force them to shut down- they don't deserve to be a company! 
If as a consumer, I could choose to not work with them - I would! 
Thank you, This happened today XX/XX/2023.

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 2023-11-29 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: NY

Complaint narrative:
My information was exposed to a date breach by equifax my information has been compromised. XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: IN

Complaint narrative:
I have been attempting to pay my mortgage since XX/XX/XXXX. My loan is with Loancare/XXXX XXXX XXXX After being unable to log into their website for over a week, I finally googled, and learned thru other avenues that there had been a cyber security attack with Loancare. I was never notified of this by the lender, I learned it via XXXX. I have been daily trying to log in to make the payment, and the website is still down. I have called Loancare, and there is only a recording that says " agents do not have access to your account right now ''. There is no option to make the payment. If I had been notified timely by the mortgage company, I could have mailed the payment in time. At this point. I will be unable to make my XXXX payment, as tomorrow is XX/XX/XXXX, and there is still no update on the cyber hack. I do not want to be reported negatively as being 30 days behind, as this is not something I could have prevented. I feel the company was negligent in not calling or emailing mortgagors. I'm also concerned that there is a class action lawsuit against them from XXXX of XXXX, and that they are not taking the necessary precautions to prevent this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo case number : XXXX and XXXX Account number ending in : XXXX Consumer Financial Protection Bureau, case number : XXXX Consumer Financial Protection Bureau , case number : XXXX The person ( XXXX XXXX, Escalations Representative Enterprise Complaints Management Office ) is not investigating the case as per the evidence. His responses ( same representative, BIASED ) is not looking at the facts when deciding the issue. The last response is based XXXX ( c ) of our Online Access Agreement. As per agreement, the bank should have REJECTED my deposit immediately, but they accepted the check, and then 9 months later a fraudulent reproduction of the check/endorsement was submitted at another bank, also without an endorsement as stipulated in section 9 ( c ), and Wells Fargo decided to return the money to the institution that issued the check instead of denying the return.

Wells Fargo has a FRAUD issue and it does not want to PUBLICLY acknowledge that someone had access to my online deposit and later used the front part of the check with a different endorsement on the back to redeposit at another institution. 

Wells Fargo is willing to spend thousands of dollars in personnel and time to dispute their error, instead of doing what is correct, and returning the {$200.00}.

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 monetary relief
Consumer complaint received 2023-11-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
A number of fraudulent transactions were posted to my credit card by XXXX. Capital One has stated that they received information indicating that the transactions were not fraudulent, but has refused to provide that information to me so that I could verify. They refer to the information as " non public, '' but is information about my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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:
In accordance with the fair Credit reporting act ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Account # XXXX ) and feel my rights are being taken advantage of 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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -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 ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: TX

Complaint narrative:
In accordance with the fair Credit reporting act ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX ) and feel my rights are being taken advantage of 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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -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 ;

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My information Was sold and bought illegally I was a victim of the XXXX data breach I want these items removed off of my credit report and delete it from my credit report effective immediately. I am attaching proof that XXXX has admitted that I was in fact A victim of this data breach and XXXX has done nothing Please help me delete these illegal accounts from 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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am requesting the deletion of account NATIONAL CREDIT SYSTEM XXXX. This debt collection agency has engaged in practices that are abusive, deceptive, and unfair actions which are clear violations of the FDCPA. They have reported an account that I did not agree to nor sign any agreement for. A legal contract necessitates the agreement of two parties, and I had no involvement in any such agreement. Moreover, they failed to follow the proper five-step validation procedure, further highlighting these unfair practices. I also have uncertainties regarding whether I ever held an account with the original creditor. The original creditor did not verify the account, nor the balance listed on my credit report. NATIONAL CREDIT SYSTEM is illegally furnishing an account to my credit report. This company is also calling me continuously and harassing me about a debt that I do not owe them. Please consider this letter as an official request for cessation of communication under the FDCPA. Failure to comply with this request will be a violation of the FDCPA, and I will have no choice but to pursue legal remedies available to me under the law. Delete the account NATIONAL CREDIT SYSTEM from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-11-29 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 2023-11-29 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation