vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-07 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 to the Fair Credit Reporting Act ; has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or time of place known or which should be known to be inconvenient to the Consumer. 



XXXX XXXX XXXX ( Acct : # XXXX & Acct # XXXX ) has violated my rights. 

XXXX XXXX ( Acct # XXXX & Acct # XXXX ) has violated my rights. 

XXXX XXXX XXXX, ( Acct # : XXXX & XXXX ) has violated my rights. 

XXXX XXXX XXXX ( Acct # XXXX ) violated my rights. 

XXXX of XXXX Acct # : XXXX, XXXX, violated my rights XXXX XXXX Acct # XXXX violated my rights XXXX XXXX XXXX Acct # XXXX 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 2022-04-07 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX repossessed my car. The company is reporting incorrect and inaccurate account information to all three credit bureau. I never received a letter stating the company was coming to get the vehicle. I was only late 30 days before XXXX repo the car. On my credit report it shows that the car was repossessed in XXXX which is not true I was in the hospital with XXXX at the end of XX/XX/2021 my car was already gone. My car was repossessed on XX/XX/2021 for being 30 days late. 

the are reporting XXXX different account number for the car loan. XXXX account shows the repo and the other account shows the balance after the car was sold. 

account number ending w XXXX is showing {$1800.00} account number ending w XXXX is showing {$17.00} and is saying unsecured for a car auto. This is inaccurate both account number belong to the car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
The North Carolina State Employee 's Credit Union is adding a forced arbitration agreement to their terms of use, which covers many of the banks services, including online banking. The letter notifying us of this addendum to their terms of use included information about the possibility of opting out. 

Upon contacting them about the opt-out process, they informed me that I must write my own opt-out notice, and mail it XXXX XXXX  XXXX XXXX XXXX Per Statute 1016.7 of the CFPB, this requirement is unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help

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 2022-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX i received an email from Capital one inviting me to apply for a credit card XXXX, XXXX for using XXXX from Capital One. We invite you to apply for our Quicksilver card from Capital One. Once approved, youll enjoy A 0 % intro APR for 15 months on purchases and balance transfers, with a 15.24 % 25.24 % variable APR after that. There is a 3 % fee for amounts transferred within the first 15 months Unlimited 1.5 % cash back on every purchase, every day A {$200.00} one-time cash bonus when you spend {$500.00} on purchases within 3 months of account opening* No annual fee No foreign transaction fees This offer expires XX/XX/2022. Click to Get Details See Application Terms Having trouble viewing your application? Visit our website and use your personal codes to get started. Reservation Number : XXXX Your Access Code : XXXX I was denied on the same day XXXX XXXX XXXX unfortunately we were unable to approve your application at this time. We know youre disappointed. To help you understand why, weve explained the reason for this decision in a letter or email that youll receive within 10 days. 

I received a letter which totally contain the wrong information I believe the reason for denial is " I am a green card holder and not a citizen '' I contacted the company and they told me that there is nothing they can do. ( Letter attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and please remove any errors of my report. 
I am unaware of negative accounts on my report. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Thank you for your time and help in this matter. 

I have requested copies numerous times and have not receive anything in my mail. Please be advised if I do not receive anything I will move forward with suing. 

Thank you for your time and help in this matter.

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 2022-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: AL

Complaint narrative:
XXXX XXXX said that I opened account with them last year which is XXXX I never opened account with them it states I owe them XXXX. I have them send proof that I open account using my SSN

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
( XXXX ) I opened a Citibank Regular Checking account on XX/XX/2022, which had a sign-up bonus of XXXX after a customer deposits XXXX and holds the funds in the account for 81 days. 

( XXXX ) On XX/XX/XXXX, I deposited XXXX via an ACH transfer from " Institution A '' and another XXXX via an ACH transfer from " XXXX XXXX '' to met the deposit requirement of XXXX for the bonus. 

( XXXX ) On XX/XX/XXXX, I linked the Citibank Regular Checking account to " Institution C, '' my main bank account, so " Institution C '' made ACH transfers of XXXX and XXXX on XX/XX/XXXX for account verification purposes. This brought the account total to XXXX. 

( XXXX ) On XX/XX/XXXX, I deposited XXXX from " XXXX XXXX '' into the Citibank Regular Checking account. This brought the account total to XXXX. 

( XXXX ) On XX/XX/XXXX, I attempted to withdraw XXXX, the amount that is not needed for the XXXX account balance for the sign-up bonus, from the Citibank Regular Checking account and deposit those funds to " Institution B. '' As shown in sections ( 2 ) and ( 4 ), Citibank readily accepted deposits via ACH transfer from " Institution B '' on XX/XX/XXXX and XX/XX/XXXX. Given that the Citibank Regular Checking account and " Institution B '' seemed to be connected and accepting ACH transfers, it seemed reasonable to expect Citibank would transfer the funds to " Institution B '' without issue. 

( XXXX ) On XX/XX/XXXX, " Institution B '' informs me that there was a failed transfer to my account. Surprised, I attempt to log onto the online account dashboard provided by Citibank. When attempting to log on, the Citibank website instructs me to call customer service with " Error Code MFA. '' On XX/XX/XXXX, I call the supplied Citibank customer service number and while speaking with customer service, I am given an additional Citibank number to call to learn more about my account. 

( XXXX ) On XX/XX/XXXX, I call the new Citibank customer service number and eventually am informed that my account with Citibank has been terminated and no additional information will be provided over the phone. I call the same number again to attempt to confirm that my account has a balance of XXXX and learn if the funds will be returned to me. Citibank customer service refuses to provide any information to me regarding any account information, which leads me to believe that Citibank is keeping the funds that remained in the account or has no intention in helping me locate the funds and their eventual location.

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 2022-04-07 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:
Please review dispute attached. 

Equifax keeps saying that they have not received my letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I have been trying to get a loan modification for over XXXX yes with Phh mortgage. I have been submitting the requested documents and the underwriting dept continue to give me the run around like asking for documents that have already been submitted, stating I did not turn in documents by the due date and their representative states I did. On XXXX22 I received a letter stating that my application is complete then oXXXX XXXX-22 I receive a letter stating they needed a completed financial form. Makes no sense. Then I am asked to complete another application which I have done about XXXX times in the past 2 years. Very stressful unfair treatment. Please help!

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 2022-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Account # XXXX XXXX and XXXX from XXXX XXXX XXXX show incorrect information for the months of XX/XX/XXXX and XX/XX/XXXX on my credit report. I reached and request a letter to identify the mistake and to have them removed or corrected on 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 non-monetary relief
Consumer complaint received 2022-04-07 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: FL

Complaint narrative:
I contacted Experian on XX/XX/XXXX to verify the XXXX XXXX Nebraska account listed on my account. I was sent a ledger by XXXX XXXX Nebraska to show the certified amounts. These amounts did not match was Experian was showing. I sent another request on XX/XX/XXXX to again verify the account as accurate. Experian responded on XX/XX/XXXX that the account was updated and verified as accurate. Knowing the account was not verified, I sent a third request to have the account verified on XX/XX/XXXX. I also asked for a description of the procedure used by Experian to verify all of the information. I did not receive a response. On XX/XX/XXXX, I sent a factual dispute showing the inaccuracies between Experian and XXXX. I did not get a response. Frustrated, I did not follow up. I checked my account again XX/XX/XXXX and noticed that Experian was still reporting inaccurate amounts. I sent another dispute on XX/XX/XXXX to both Experian and XXXX XXXX Nebraska. I got a call from XXXX at XXXX XXXX Nebraska who was very helpful. He stated he does not know why the amounts that are showing on Experian are different than what XXXX XXXX is reporting. XXXX stated that XXXX XXXX reports to the credit bureaus on the last Saturday of the month. He sent me a certified ledger of the amounts. I double checked those amounts against Experian and they still do not match. XXXX stated there is nothing XXXX XXXX can do about the inaccurate amounts reflecting on Experian reporting. I also checked the monthly amount and Experian does not have any data on that. Experian finished their dispute today XX/XX/XXXX and stated the account was verified as accurate and updated. Experian is STILL reporting incorrect amounts even after they were notified of the correct amounts.

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 2022-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I keep finding documents and extra bank cards from Wells Fargo. These statements are showing I am making payments, but the payment was not applied to the account. Example is I was getting paid every two weeks and would send XXXX XXXX XXXX a minimum of {$200.00} every pay. A friend of mine works at XXXX XXXX and I asked her to look into my account history. She said I had made 10 payments and never late. I sent her a list of payments I was showing from the bank statements which included 12 payments that I found. I was missing XX/XX/XXXX bank statement and XX/XX/XXXX bank statement ... the numbers obviously don't match. 

I also found lastnight that I bounced a check to XXXX XXXX XXXX for XX/XX/XXXX rent. Not only was I not aware I bounced but they covered it somehow. Im not sure if they are creating bank cards or how it is being done but I was using XXXX XXXX provided by XXXX. I found a statement and it looks like they were funneling money through this account. I remember I was struggling at the time but this statement claims I had over {$7000.00} I am at a library because everything i have is compromised. Please make this stop I also need the charges related to XXXX XXXX investigated. I dont use it, nor have I ever. 

My student loans are also in need of investigation. I didnt receive those funds. I received a portion but I know I didnt get what is claimed.

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 2022-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2020, I tried to open a bank account and the bank teller told me that someone else was using my social security number but didnt provide a name. I tried to buy a car and still couldnt. I want to get this solved as soon as possible. I provided documentation of my identity and the bank teller said to go to the social security office to solve thus out. However, I submitted a report and I havent had a response.

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 2022-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
A couple days ago I reported fraudulent activity on my debit card. I called citibank and they immediately canceled my old card and sent me a new one, but while activating it, my pin was not working and after several failed attempts, my account became locked. I never changed my pin so it seems that if citibank changed it without me knowing. So me and my mom have been on the phone for XXXX HOURS and the customer service is HORRIBLE, and no one can figure out what to do. Apparently, my account was under review for absolutely no reason. But yet when there was fraud on my card, my account was never locked! This might be the worst company I have ever dealt with!!

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 2022-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Moore Law Group
State: NV

Complaint narrative:
I have changed my political status and I have standing and my juris diction is on the land and soil. No American, living woman can owe debt. Nor can a living American woman be in an admiralty court. ( FOREIGN COURT ). FOREIGN COURTS DEAL WITH THE 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 explanation
Consumer complaint received 2022-04-07 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: TX

Complaint narrative:
Hello. I have contacted Equifax Information Services multiple times regarding this potential fraudulent activity on my consumer file report. They are incorrectly reporting an unauthorized Inquiry ( XXXX XXXX, XXXX XXXX | XX/XX/2020 ) that I never authorized nor was aware of. I need this item removed/ deleted immediately to further prevent any negative impact on my consumer report. My point of contact with Equifax 's Fraud Department verified his name as XXXX on Thursday XX/XX/2020 at XXXX pm cst.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
Please see the attachments for a full description and all documentation. Gemini transferred XXXX XXXX and XXXX XXXX that I did not authorize and did not receive any notification for the transfers. Neither I nor could XXXX stop or freeze my account. Gemini had XXXX XXXX over the situation and could easily have mitigated and even ended the hack the by having a secure system and telephone support. They have neither. Due to their lack of telephone support and insecure system that did not track any unusual activity, it took Gemini an hour and XXXX half to freeze all accounts resulting in losses of XXXX XXXX dollars in XXXX coins and cash. Gemini has NEVER responded to all the questions found in the attachments.

Company response to consumer: Closed with explanation