vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XXXX XXXX XXXX Someone fraudulent opened and account with capital one in my name and had it delivered to and addresses that I lived at over XXXX ago, and this was just a year ago my bank contacted me about the fraudulent activity due to the fact this thief had somehow got my banking information and tried to have my bank account linked to this capital one card. When Captial one tried to take a few payments my bank declined because they know I dont own a capital one card. This person even tired to call my bank and act as if they was me, My bank teller confirmed and called me to inform me of the fraudulent activity over the phone as well. My bank then called me in to change my information. I then called all 3 credit companies so I can get updated reports mailed out to me so that I can now track and see what else was fraudulent on my report. I finally received my reports. I couldnt believe my eyes. Ive always had great credit and never applied for a lot of things at once when I received my report I had over 40 hard inquiries from cash loan places none on my reports belong to me besides items that are paid off or paid in full. Only time I apply for credit/loan is every XXXX for auto or maybe one credit card at a time. Like I have right now only ( 3OPEN ) accounts that are in good standing. 
In 2021 when I received my report my life turned upside down, When I seen all the Fraudulent Activity & Over 40 Hard Inquiries that are NOT MINES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And so much more With this being said CAPTIAL ONE has been making my life hard for a LAW that they have broken by approving and mailing out a credit card with limit of {$300.00} which balance today is {$620.00} and this has caused so much pain and suffering over a year. That my family and I have been getting denied housing, Loans, Healthcare & Ect its been terrible all because they are unprofessional at CAPTIAL ONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX 15 U.S.C 1681 section 602 A states I have to right to privacy. 
15 U.S.C 1681 section 604 A section 2 : 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 or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Dear Sir/Madam : Thank you for your time. I have a small business checking account with Truist, and I always check my account before I use my debit card to conduct business. But recently I discovered that the bank was withholding purchases and placing them in pending status sometimes as long as weeks. Finally, when all the transaction are drop in the account it causes overdraft resulting in fees. I contacted the bank to resolve this issue, I was told by the young lady that it was the bank discretion on how long the items remain in pending status. The reason I used the debit card to make purchases. I have direct deposit from my social security, I am senior citizen on XXXX with a fixed income, and if nothing is done, I will not be able to make my rent payment on the XXXX of XX/XX/2023. This will be creating undue hardship. I need some kind of help, thank you, and XXXX bless. 

XXXX XXXX XXXX, ( XXXX ) XXXX - cell

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 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern : This account was settled in court with terms attached. That this account once settled should be dismissed and deleted from my credit report. I sent letters to credit bureaus with no correspondence. I need help with this situation. Proof is below with documents and judgements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: PA

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. 
XXXXXXXX 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 15 U.S.C 1681 section 602 A states I have to right to privacy.

15 U.S.C 1681 section 604 A section 2 : 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 or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 non-monetary relief
Consumer complaint received 2022-12-28 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: PA

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. 
XXXXXXXX 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 15 U.S.C 1681 section 602 A states I have to right to privacy.

15 U.S.C 1681 section 604 A section 2 : 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 or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 non-monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am a XXXX American Veteran with protective status with service connected hearing loss off over XXXX XXXX. I filled out an online application and received a CC from Synchrony bank ; When I received my statement it was full of late fees or fines that i did not understand would be assessed. I did not read the fine print shame on me, but to correct my error i am fined again I guess they run this scam I am particularly vulnerable do to my hearing loss. I attempted to contact synchrony but was informed it was a XXXX dollar fee to speak with Customer Service if a company can not afford to pay for adequate service is not a company I fill the need to do business. I immediatly canceled the card. I guess they are continuing to charge my card without my authorization. but to pay off my card and dispute any charges is XXXX dollars. I would like to pay off this balance and never do business with this obviously predatory lending agency again. I am finacial secure and can take this as a Leason learned Maybe its me but paying someone to use my own money seems like extortion. I have attempted several times to contact synchrony credit services I am charged {$10.00} dollars to speak with a customer care reprehensive and because i have trouble understanding they charge me XXXX dollars to my CC and hang-up. I guess this is my fault for being so naive to believe that a company is not required to make reasonable compensation to adjust to my XXXX. I have chosen not to do business with these people and used an automated system to close the account. The issue is that the synchrony has not only refused to honor their reward system but also is requiring me to pay XXXX dollars to just pay my bill that is {$510.00} plus late fee and other charges I can not dispute. currently I am at {$60.00} in late fines, that i am being charged interest on. I guess I am old and stupid and do not understand a business this odd business model, but synchrony can run their anyway they chose I would just like the opportunity to be free of any business dealings and encourage others to stop accepting this because some lobbyist group pasted legislation to make this legal. If someone mugged me of XXXX dollars I could call the police but a company can just charge me any amount and I have to except it without anyway to dispute. I would like to settle with this organization, but they only seem to have virtual agents that just are worthless for someone with my severity of hearing loss. and why should I be FINED for errors that Synchrony has made.

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 2022-12-28 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: GA

Complaint narrative:
Non Compliance with the Law

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 2022-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was denied an auto loan. ( a ) Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. 

Capitol One auto finance XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/2022 Amount : {$90000.00} I tried calling but no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My Bank of America credit card was stolen from me while I was at the gym on XX/XX/2022. There were two unauthorized charges from XXXX XXXX that day : one of {$1800.00} and one of {$520.00}. The {$1800.00} was denied, while the {$520.00} charge went through. Same store, same day, same time. I did not realize my card was stolen until I got home hours after I came back from the gym, but had already cancelled my card and filed a fraud claim right away as soon as I received a text from Bank of America saying that a charge of {$1800.00} was denied. Initially, I thought my cards information was leaked and stolen that way because I was a customer of a subscription service that had been hacked very recently ( XXXX ), so that what I initially wrote down as suspected reason of fraud. Immediately after I realized my card was stolen from my wallet, I updated my claim, filed a police report with the XXXX XXXX XXXX Police Department, and supplied the report number to Bank of America. Every step of the way, I was also in contact with people from my gym who would be assisting with the investigation. The police detective and I had follow up calls and messages to confirm my story. I was even subtly reassured every step of the way by Bank of America employees that this should be fine, especially considering the other charge did not go through and it was on the same day, at the same store, and around the same time. I even temporarily received a credit on my account for {$520.00} from Bank of America before they took it away.

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 2022-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Upon researching how to file this complaint, I discovered that IC System, the company this complaint is regarding, has violated Regulation F of the FDCPA. IC System did not include an itemized list of charges. IC System did not include a returnable form allowing the consumer to check a box for " This is not my debt '', " This amount is wrong '', or " Other ''. Regulation F requires this to be included in the validation letter, and IC System is in direct violation. 

IC System has unexplained charges on their debt validation letter. I'm unsure of how to upload a copy of this letter to the CFPB. It lists {$430.00} as " Previous Balance '', which is not a validation of the debt, and has no explanation of where this balance came from. 

IC System did not send me required correspondence within XXXX days of initial contact, which is required by the FDCPA. 

IC System has falsely reported negative information on my credit reports after being disputed, and they have refused to discuss a remedy for this false reporting. 

IC System has caused me measurable harm, and is liable under the FDCPA for up to {$1000.00} in civil penalties. This is an attempt to resolve the matter and have myself made whole. If IC System refuses to resolve the matter with the CFPB intervention, I will be filing a lawsuit.

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 2022-12-28 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I ask them about the fees and overdraft when this whole time I thought I had protection on my account and I keep getting overdraft fees. And random chargers I know nothing about.

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 2022-12-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-12-28 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: EQUIFAX, INC.
State: IL

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
Consumer complaint received 2022-12-28 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: MO

Complaint narrative:
TransUnion failed to conduct a reasonable reinvestigation to determine the validity of the disputed XXXX XXXX late payment. I need them provide verification of all information they used to investigate my dispute, to include a standard form outlining the general characteristics of such information. who did you talk to at XXXX XXXX, when did they talk to them, and I also need the name of XXXX XXXX of contact name and address. As per The Gramm-Leach-Bliley Act XXXX XXXX must explain their information-sharing practices to their customers, which I received no such notice to safeguard my sensitive data.

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 2022-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2022-12-28 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX failed to conduct a reasonable reinvestigation to determine the validity of the disputed XXXX XXXX late payment. I need them provide verification of all information they used to investigate my dispute, to include a standard form outlining the general characteristics of such information. who did you talk to at XXXX XXXX, when did they talk to them, and I also need the name of the point of contact name and address. As per The XXXX XXXX XXXX XXXX must explain their information-sharing practices to their customers, which I received no such notice to safeguard my sensitive data.

Company response to consumer: Closed with non-monetary relief