vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On Friday, XX/XX/2023 I received email notices from the various credit reporting agencies that there had been a drop in my credit score followed by a new credit card appearing in my credit file. The credit reports documented the inquiry was from Capital One and the credit card was a Capital One Venture Card. At no time have I applied for a Capital One Credit Card.

Contemporaneously, I received an email from Capital One congratulating me for being accepted for a Venture Card. ( A true and accurate copy of said email is attached hereto. ) I immediately called Capital One ( XXXX XXXX, 2023 @ XXXX ) and spoke to XXXX XXXX XXXX # XXXX ) to report the fraudulent activity. XXXX stated that she found the account and was reporting it to the fraud department and instructed me to file a police report.I then filed a police report with the XXXX Sheriff Dept., in XXXX, Florida. ( Police Report # XXXX, Filed XXXX XXXX @ XXXX ) Additionally, on XX/XX/2023, I filed an Identity Theft Report with the Federal Trade Commision ( Report # XXXX ). 
Following filing both a police report and the and FTC Identity Theft Report, I called Capital One Fraud Dept and spoke to XXXX ( ID # XXXX ) and relayed the report numbers. 
On Tuesday, XX/XX/2023, I called and spoke to XXXX at Capital One Fraud Department to inquire when the fraudulent information would be removed from my account who stated it would be removed within 48 hours. 
As of XX/XX/2023 the fraudulent inquiry has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: MT

Complaint narrative:
I have sent in multiple disputes to correct incorrect, inaccurate, Missing information on my credit reports. I have vocally contacted the creditor and the creditor would not correct the problem and blamed the credit reporting agency. I have contacted the credit reporting agency they have said that the creditor has verified the information and there is nothing they can do. The creditor is XXXX XXXX XXXX, The Account Number is XXXX. The information that is incorrect on this account was that it was discharged through bankruptcy. This loan was reaffirmed and paid on time and in full. The reports show this account as a Negative The Payment History is inaccurate and shows the last payment in XXXX XXXX  XXXX. I retrieved the loan history from the loan department of XXXX XXXX XXXX. This history shows the loan paid in full and on time. The loan history shows payments from XX/XX/XXXX to XX/XX/XXXX. I will also include the account from Equifax which shows the Terms as XXXX, Monthly payment- Not reported, High Balance- Not reported, and Recent Balance- Not reported. I will attach a copy of the loan history and a account copy from Equifax. The other credit reporting agencies such as XXXX, XXXX, and XXXX have the same account from XXXX XXXX XXXX. I have been told not to file any more disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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 act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX, XXXX 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 an 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 explanation
Consumer complaint received 2023-05-04 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: FL

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 XXXXXXXX, XXXX 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 an 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 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 2023-05-04 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: DE

Complaint narrative:
Upon reviewing my consumer reports, I noticed that their were a few errors and then after investigating I have realized that somehow I became a victim of identity theft. I am highly disappointed that the Experian, XXXX XXXX and XXXX has knowing participating in reporting these accounts without verifying with me. over 40 days has past since I submitted my written request to have my consumer reports corrected and no one has contacted nor fixed it yet!

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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX is reporting payment percentage incorrectly to Equifax Bureau at 45 %. All other bureaus have corrected the percentage to 100 % for deferment due to Natural Disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX I got scammed out of {$2200.00} from a person who was selling an XXXX gaming console through an app called offer up. 
This person was selling the unit for {$150.00}. I agreed to purchase the unit for {$150.00}. I asked for the pick up address and the address was XXXX hours away. I live in XXXX XXXX and the address was in XXXX XXXX. 
I agreed to pay this person trough My mobile banking using XXXX. ( wells Fargo ) I sent a payment of {$150.00} to this person. 
Immediately I received a message back from this person saying that he accidentally had refunded the {$150.00} back into the account. He sent me an email with a message coming from his XXXX XXXX XXXX stating that the money was being refunded. I made another transaction of {$150.00} through XXXX thinking the money was actually being refunded. After, I received a second text message saying to check my email again because he accidentally had refunded {$1500.00} back to my account instead of {$150.00}. 
After this point I kept getting calls telling me to return the XXXX. 
I got calls telling me that if I did not send the money back they he was going to call the police. 
I felt I had to return the money because my intention was to purchase the XXXX XXXX  for {$150.00}, not to steal his money. This person used different names for this transactions because his account was locked after sending the {$1500.00} by accident. The names provided were XXXX XXXX {$750.00}, XXXX XXXX {$750.00}, XXXX XXXX {$400.00}, and XXXX XXXX. 
I bank with WELLS FARGO. 
I called Wells Fargo so they can stop the Transactions and they told me there's nothing they can do. 
I have called and filed a few reports with Wells Fargo and it seems they are not helping me to recover my lost funds. The only thing they did was to help close my account were the money came out from and I opened a new account. 
I have called XXXX as well and they tell me is Wells Fargo who i have to call and Fargo tells me to check with XXXX. 
Wells fargo reps tell me that there's nothing they can do because they treat it as cash transactions.

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 2023-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: NJ

Complaint narrative:
I explained this debt is reappearing after on or about XX/XX/2022 I provided a police report and confirmed my address during the time the account was active. The representative told me I was mentally unwell ( XXXX ) and I'll pay this bill after they report it to the credit agencies. These charges were a result of identity theft.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights 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 AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE XXXX XXXXXXXX XXXX XXXX XXXX XXXX BALANCE XXXX XXXXXXXX XXXX XXXX XXXX BALANCE XXXX XXXX XXXX XXXX XXXXXXXX BALANCE 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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
this morning I check my credit report and notice that Transunion has opened an inaccurate account ( XXXX XXXX XXXX ) that has been closed since 2017, has damaged my score, and caused me great harm. I would like for the account to be deleted from my credit report. and XXXX XXXX XXXX hasn't gave me my disclosures, per 15 usc 6802b.

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 2023-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
RBFCU migrated their credit cards to a new card and card servicing platform. My prior statements to the migration are not available on the new platform. They did not disclose in the card migration information sent out that my old statements would not be able. If they had I would have downloaded them prior to the migration. Only statements post migration are available online. 

I have spoken with their customer service several times resulting in no action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/23 I had wrote my complaint against the company ( XXXX XXXX XXXX ) for wrongful /illegal repossession when in fact I was not defaulted on my payment on the vehicle and as well to get the Tradeline removed from my credit since they did reply back on XX/XX/23 that they did collect the vehicle and were going to keep the vehicle and relayed that XXXX would cancel my open account and as of XX/XX/23 the tradeline would be removed from my credit report expeditiously, .. well here I am once again making a second complaint because of the false information XXXX has one again lied and relayed to me, by which my next stance is to go forward with my full legal civil suit because I havent given them time to correct their horrible unprofessional mistakes and vindictive practices. Im making a record of this second complaint due to have on record I have obliged myself to try to get a right solution from this company but if the tradeline isnt going to be removed as it was stated to me in the reply from XXXX then Im left with no choice to pursue full legal action against them!!!!

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 2023-05-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
In XX/XX/2022, I was alerted through XXXX XXXX XXXX that someone was attempting to open a credit card in my name through Bank of America. I immediately contacted BOA to notify them that I never applied for a credit card through them. They verified the fraudulent attempt and said they would take action and notify my credit agencies. The fraud attempt through BOA was on XXXX XX/XX/2022. 
The next month, I was notified again through XXXX that another fraud attempt through BOA was made. I contacted BOA again, they again said they would take action and report it to my credit agencies. The fraud attempt through BOA was on XXXX XX/XX/2022. 
The fraud attempt 's happened again on XXXX XX/XX/2022 and in XX/XX/2022. Bank of America stated they never granted credit on these attempts and I was directed to put a freeze/fraud alert to all the credit agencies. 
Unfortunately at this time, two of the fraud attempts XXXX XX/XX/2022 and XXXX XX/XX/2022 inquiries are still reflecting on my credit reports which I'd like to have removed immediately.

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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! Public Information Below is an overview of your public records and can include details of bankruptcy filings, court records, tax liens and other monetary judgments. Public records typically remain on your Credit Report for 7 - 10 years. 
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 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 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

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 2023-05-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I have filed XXXX complaints with cfpb last year regarding bank of america not properly returning my funds to my account after giving police reports, identity theft docs and statements stating that my car was broken into when I was living in My car.. all my identification.. birth certificate, GOV ID, social Id.was stolen and was then later used to pull out funds that was already waiting for from previous fraudulent activities. They credited my account and money was stolen. I never received it. But got a letter stating case resolved .... money was missing. 

This claim has been open since XX/XX/ and they have been denying the claim for XXXX up until today. 

I've been fighting to get this straightened out and back in XXXX of XXXX  on the XXXX they stated it was denied once again. I asked for a reconsideration and they ended up putting the claim on an XXXX, the claim has been pending ever since, no update or anything until XXXX. They credited my account XXXX $ but not XXXX They denied the claim for XXXX But gave me credit for another claim. 

I am beyond furious ... .. this is destroying my life. I need this money ASAP. 

I have been waiting soooo LONG and I have been very respectful and patient. 

I can't handle the mental trauma I'm facing anymore ... .... I'm getting my hopes up only to find out my claim sis being denied. 

I can't receive mail. I'm homeless and I have health problems and alot of doctors appointments to go to ..... I live in my car and can't afford to take care of myself right now .... I'm currently having car problems and can not drive. It's one thing after another and nobody is helping me. 

I've giving police reports and all back in XXXX of XXXX .... it's XX/XX/XXXX now.

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