vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
This is regarding SYNCHRONY BANK/AMAZON account ending in XXXX. 

Gramm-Leach-Bliley Act ( GLBA ) : The GLBA requires financial institutions to provide consumers with privacy notices explaining their information-sharing practices and to obtain opt-in or opt-out consent before sharing nonpublic personal information with non-affiliated third parties. Fair Credit Reporting Act ( FCRA ) : The FCRA regulates the collection, dissemination, and use of consumer credit information. It requires consumer reporting agencies to obtain permissible purpose and consumer consent before providing consumer reports to third parties. These federal statutes establish requirements for obtaining consumer consent or permission before sharing personally identifiable information and aim to protect individuals ' privacy rights and sensitive data. Neither XXXX, XXXX, XXXX, or XXXX XXXX XXXX XXXX can produce the disclosures that I was required to receive by law to share my personally identifiable information with a non-affiliated third party. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Failure to provide these disclosures and the subsequent sharing of personally identifiable information amounts to identity theft.

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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.

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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have made repeated attempts, on three separate occasions, to notify Capital One that I am an authorized user on a credit card account that was fraudulently opened in my name. Despite my efforts, Capital One has insisted that only the primary account holder can remove me from the account. 

I want to emphasize that I have never utilized nor even seen this credit card, it is imperative that action be taken promptly to rectify this situation, as it is unjust for me to bear the consequences of someone else 's fraudulent actions. 

I kindly request your assistance in addressing this matter with Capital One as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

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 2024-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This Complaint is against Wells Fargo for their failure to honor my request as a Customer!! Wells Fargo replaced {$4000.00} for two transactions which they determined to be fraudulent- relevant to money removed from my account at Wells Fargo XXXX This account has been and is under the Control of the identity thieves. After W.Fargo replaced these partial monies, I requested to XXXX XXXX at the Wells Fargo XXXX Complaints Management Office to have my account deactivated and disabled. This would prevent the identity thieves from restealing the monies, as they are able to do. This would give time for my family member to get to a Wells Fargo branch, and withdraw as per our POA, prior to the identity thieves stealing this money once again!! XXXX XXXX stated to me very plainly- that Wells Fargo Management would not allow him to do so. Once again- how XXXX is this??? And the game continues, which W.Fargo loves to play with my money. Wells Fargo is a " XXXX XXXX '' for Identity thieves!!! And this is why Wells Fargo is voted the most hated bank in America on many on line surveys!!!

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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
This is regarding CAPITAL ONE AUTO FINANCE account ending in XXXX. 

Gramm-Leach-Bliley Act ( GLBA ) : The GLBA requires financial institutions to provide consumers with privacy notices explaining their information-sharing practices and to obtain opt-in or opt-out consent before sharing nonpublic personal information with non-affiliated third parties. Fair Credit Reporting Act ( FCRA ) : The FCRA regulates the collection, dissemination, and use of consumer credit information. It requires consumer reporting agencies to obtain permissible purpose and consumer consent before providing consumer reports to third parties. These federal statutes establish requirements for obtaining consumer consent or permission before sharing personally identifiable information and aim to protect individuals ' privacy rights and sensitive data. Neither XXXX, XXXX, XXXX, or Capital One Auto Finance can produce the disclosures that I was required to receive by law to share my personally identifiable information with a non-affiliated third party. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Failure to provide these disclosures and the subsequent sharing of personally identifiable information amounts to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.

Complaint narrative:
In XXXX Citibank failed to send me a replacement when my debit card expired. This meant that I lost online access to my account. 

In XXXX XXXX I called many times to request a replacement debit card. They promised many times but it never came. Finally they told me to write in to their bank by mail department : I did so in XX/XX/XXXX but they never sent the card. So I contacted their executive support team through the XXXX XXXX XXXX First they got their security team to send me a letter to confirm my address : funny since my address has not changed in more than ten years. Then, in XX/XX/XXXX, they said they were sending the card by courier, but the courier never contacted me and the card was never delivered. The executive team then said that maybe I had given the wrong address! I replied that this was impossible and that I had verified the address with their security people, and it was the same address they had always had for ten years. They never replied. 

So I have been to a lot of trouble and have been denied access to my account balance of US {$1000.00} for more than two years. I want some compensation for this, and I also want access to my money. 

The latest, they have changed their charging policy and want to start charging fees for this non-service! ( Up to now there have been no fees on accounts with a balance of US {$1000.00}. ) They should not be allowed to charge any fees for an account that they do not allow me to operate. 

Their 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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I recently received a copy of my consumer report and I noticed this fraudulent account being furnished by National Credit System # XXXX I have never entered into a consumer transaction with this company. According to 15v USC 1692g ( a ) I never recieived a notice of this fraudulent account nor di I ever sign anything authorizing the use of my personal information. I have already filed an Identity theft report and I have requested a freeze on my credit to prevent further fraud from taking place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I do not recognize these credit inquires. I requested for them to be removed and i did not receive a respond after issuing a identity theft 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 2024-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
The company did not resolve any disputes I had with the card even though it was fraudulent. I provided reports and paperwork to them about it. I even spoke with the merchant about the charge and that they agreed to refund it. I told the company that i want to close the account and they did nothing. The company let my account accrued fees after fees for months before closing it. The company sold my account to a collection agency and now they are after me. 

The merchant that gave me the refund called me and said that it was sent to the original payment which was the company card. I called the old company card and told them i have a refund coming in and that i need them to send me the refund since they reported the account to collection already and its reporting in my credit file. They said that they will not send me any of the refund and that the i have to call the collection agency to talk about the account but they will keep the money. 

It's not legal for them to just sell my information and give my account to collection agency and still receive the refund i had with the merchant. The company charge me fees after fees for months and not closing my account.

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 2024-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
I was illegally evicted from the property that was being serviced by the electric provider ( XXXX  ) in early 2023. This illegal eviction came as a result of a large-scale, unnannounced construction project that rendered my apartment unlivable while I was away on business. I was able to settle with the landlord outside of court and subsequently let out of the leasing contract. 

I moved out of the apartment in XXXX of 2023 and shortly thereafter, my leasing contract was terminated. Although I was no longer living in the unit, the property manager left the XXXX  electricity account in my name until they were able to find a new tenant. This resulted in all of the electricity being used in the apartment ( presumably, to power their construction equipment ) being charged to my name. 

I disputed the account directly with the debt collector when they reached out for further information through the mail. This resulted in " Online Information Services '' ignoring my claims and posting the collections account to my credit reports anyways. Given the swiftness of their decision to ignore my qualms, I think it's fair to assume that they have not done any sort of investigation into the nuances of my case. 



XXXX ; I was evicted, settled with the landlord, and now a bill collector representing XXXX  wants to charge me for electricty used in the apartment after I had already moved out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.

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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Recently I checked my credit reported and noticed and saw accounts that I do not recognize. Under U.S.C 1681 section 602 A and U.S.C 1681 Section 604 A Section 2 I have a right to privacy and t also states a consumer reporting agency can not furnish a account without my written instructions. The creditors failure to reflect properly.

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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
The credit reporting company refuses to report my credit report to companies since last year. The are not allowing my credit information to be accessed from the systems. 

I filed a request to fix this and send in all there acquired information. I've call and been told several times by several different people, there working on it now for XXXX weeks. 
I have been told that they're going to fix the information i 24-72 multiple times. and still have not happening. 

Now i can't access reports for work or to obtain. anything from my bank to pay rent. this has been almost XXXX months now. 

I believe it's a retribution for me filing pass complaints with these offices. None of the other reporting companies are having this issue.

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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have received information from XXXX XXXX and XXXX XXXX reporting agencies that there's been a new hard inquiry made on my name with a new credit product offered by CAPITAL ONE ( on XX/XX/2024 ), although I didn't recognise neither the inquiry, nor the details provided with the inquiry ( the address and phone number, which were supposed to be associated with me, were wrong ) plus I haven't made any new inquiries for any credit products within recent months. 
I have called CAPITAL ONE and provided them all the information regarding my concern. They have registered my call and request, informed me that they are going to pull that application out of my profile and inform the credit agencies that the application had been fraudulent and wasn't made by me or on my behalf, so in the future it won't affect my credit score. 
And they also recommended me to file a complaint regarding that fraud attempt to FTC / CFPB, which I am doing here. 
The incorrect home address and phone number provided in the application are as follows : Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX I have never been associated neither with that address nor with the phone number.

Company response to consumer: Closed with non-monetary relief