vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
XX/XX/2022 call to capital one advising lie should be released as included in discharge XX/XX/2022 follow up all to capital one- they advised debt is valid & I am to pay in full I again gave them bankruptcy info They will send demand for payment & insist debt is owed Trying to get mortgage on home & this lien preventing me being able to get mortgage Causing undue hardship, loss of time, money due to unnecessary delay

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26 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: GA

Complaint narrative:
Describe what happen? 

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well. 


What would be a fair resolution to this issue? 

I want all negative items removed from my credit report because you are in direct violation in the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: PA

Complaint narrative:
I requested an investigation because I need an explanation why two of these accounts are still being reported on my credit file - XXXX FUND Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX.. After waiting over 90 days for a response, still nothing, they have taken over 90, this is a violation and they are required to remove all the accounts. 
Per FCRA 623 ( b ) ( XXXX ) and 611 ( a ) ( XXXX ) and section 611 ( XXXX ) ( a ) of the FCRA, they are required to " promptly delete an account which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! 
Your assistance in resolving this concern as soon as possible is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
In accordance with the Fair credit Reporting act : XXXX acct XXXX, has violated my rights 15 USC 1681 Section 602 States, I have the right to privacy.

15 USC 1681 Section 604 a Section XXXX : It also states a consumer reporting agency can not furnish an 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2022-08-26 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 XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I opened a car loan approximately 16 months ago. I established an on line account to make payments with my existing checking account. Since that time they have used various soft methods to coerce me into either transferring my checking account to them, or to enroll in autopay, neither of which I am willing to do. These methods include 1 ) Not recognizing my login name requiring me to create a new login name through their customer service phone line 2 ) Not recognizing my password requiring me to create a new password through their customer service phone line 3 ) Not recognizing my previous checking account information requiring me to resubmit the information which requires a process of test deposits and my re-entry of the amounts of said test deposits which can take up to 3 days and could register my payment as being late. 4 ) not allowing me to complete my payment transaction without searching for and declining the autopay option. Each time I have called their customer service line, the customer service agent has been " helpful '' but has suggested strongly the autopay option or to transfer my checking account to Wells Fargo so that the checking account information could not be " lost ''. I have also been asked to make a payment over the phone to resolve the issue which I will not do as I want a digital trail to ensure my payment is not accepted and subsequently " lost '' the way my information has been. I believe these are coercive tactics that are not in my best interest and need to be investigated as I am sure this is a fairly common issue with Wells Fargo Bank

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 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
The week of XX/XX/2022, I received a packet in the mail from CITIBANK that included 40 checks embossed with my name and address for a " Citigold '' checking account for a " XXXX  XXXX XXXX XXXX '' account and a " citi '' XXXX with a " Card Agreement Guide '' also using my name, XXXX XXXX. 

The problem is that I never opened any such account. I have never had a a checking account with Citibank. I had no contact with Citibank. All my checking and savings accounts have been with credit unions for over 35 years. 

I called their " customer service '' ( sic ) phone number on XX/XX/2022 to find out what was going on and to make sure the account was closed. Their agents spoke very poor XXXX and the phone connection was faulty. After several long holds, I was connected to the " Fraud Department, '' where the language problem got worse. I was told that the account would be closed. I called them back on XX/XX/2022 where " XXXX '' ( the " supervisor '' I demanded to speak with ) told me the account had not been closed and that over {$600.00} in charges had been made against it. She then closed the account and told me the " Transaction Number '' was XXXX. She said it was my responsibility to pay any charges on the account and that if I wanted to know the results of their internal fraud investigation, it was up to me to call them back at a future date. She said the account was opened on XX/XX/2022, but could give no details as to how it was opened or whether there is any paper trail indicating if there was a signed application for it. In short, they have no evidence that I ever applied for the account. 

On XX/XX/2022, I received a form letter from Citibank confirming that " your Citi XXXX XXXX XXXX ac count '' had been closed. The letter stated : " Please be aware that you are responsible for your balance and will continue to receive monthly billing statements until it is paid in full. '' The bottom line is that this fraudulent account was either opened intentionally by Citibank or a hacker had enough of my personal information to illegally open an account in my name. I requested a letter from them acknowledging that the account was opened fraudulently and that I am not responsible for any charges related to it, but " XXXX '' would not confirm that they would do that.

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 2022-08-26 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # : XXXX, 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 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 2022-08-26 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: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
XX/XX/2022, my XXXX was updated with a balance from rooms to go/synchrony for a card that I am no longer an authorized user on. I was removed back in XXXX. When I look in the account Im not even on there anymore. They reported incorrect information and caused my debt to income ratio to rise and my scores to drop XXXX  points.

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 2022-08-26 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: GA

Complaint narrative:
Describe what happen? 

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well. 


What would be a fair resolution to this issue? 

I want all negative items removed from my credit report because you are in direct violation in the FCRA

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 2022-08-26 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: GA

Complaint narrative:
Describe what happen? 

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well. 


What would be a fair resolution to this issue? 

I want all negative items removed from my credit report because you are in direct violation in the FCRA

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 2022-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Describe what happen? 

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well. 


What would be a fair resolution to this issue? 

I want all negative items removed from my credit report because you are in direct violation in the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: PA

Complaint narrative:
I requested an investigation because I need an explanation why two of these accounts are still being reported on my credit file - XXXX FUND Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX.. After waiting over 90 days for a response, still nothing, they have taken over 90, this is a violation and they are required to remove all the accounts. 
Per FCRA 623 ( b ) ( XXXX ) and 611 ( a ) ( XXXX ) and section 611 ( XXXX ) ( a ) of the FCRA, they are required to " promptly delete an account which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! 
Your assistance in resolving this concern as soon as possible is appreciated.

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 2022-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I requested an investigation because I need an explanation why two of these accounts are still being reported on my credit file - XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX.. After waiting over 90 days for a response, still nothing, they have taken over 90, this is a violation and they are required to remove all the accounts.

Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete an account which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE!

Your assistance in resolving this concern as soon as possible is appreciated.

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 2022-08-26 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-08-26 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 XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: AFNI INC.
State: OK

Complaint narrative:
I submitted request to XXXX & they replied its my Debt? 

My request was this I took a class tonight & learned this I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of the info on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: LEXISNEXIS
State: NY

Complaint narrative:
/I called and disputed this account on XX/XX/22 to have this item removed and the Lexis Nexis still has not removed this account I have allotted them the required 30days and the dispute has not been settled and needs to be removed immediately! According to 15 USC 1681 section 602 A states : I have the right to privacy. According to 15 USC 1681 section 604 A Section 2 states : A consumer reporting agency can not furnish an account without my written instructions. With that being said I have not given them written instruction or permission to report such information and neither has the courts! 

My reference number for the dispute is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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