vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I've been back and forth with capital one in regards to two accounts XXXX, and XXXX. 
These accounts was charged off XX/XX/2022 and XX/XX/2022 per XXXX credit report. However, I've yet to recieve the canceled portion of a 1099c. Per IRS Publication 4681, Charge offs, when sold to a third party it is an certificate of indebtness with 1099c and is now INCOME, furthermore income can not be on a consumer report. Furthermore, Capital One is in violation as there privacy policy states that I as a consumer have a right to opt-out of third party sharing and that they only can do so with my written consent, which I never gave.I 'm also fully aware of Capital One trading and selling on my name unauthorized. Pursuant to the 10k sec filings ( indenture agreement ) Capital One failed to disclose My right as issuer to transfer my securities for discharge and recieve payment for doing so, which without disclose of this it's obviously securities fraud, because they're still selling and trading on my name unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: TX

Complaint narrative:
I have notified Equifax and XXXX several times that the XXXX XXXX XXXX and Consumer Adjustment accounts that they are reporting in my credit history, do not belong to me. Notifications to Equifax and XXXX were sent XX/XX/2023, XX/XX/2023 and XX/XX/2023 via certified mail. I have not in any way received goods or services from these companies and I have provided my FTC Report, Identity theft Affidavit signed with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all Equifax and XXXX. I have requested the original contracts from the original creditors, XXXX and Equifax bearing my wet ink signature in which up to now, I have not received, and it has been more than 60 days since I requested this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: Grain Technology, Inc.
State: GA

Complaint narrative:
My information was negatively impacted by The XXXX Data Breach. I've been contacted by the company several times and informed them that this is an fraudulent account i did not authorize nor am i aware of. They proceeded and placed that account of my consumer report! I have experience nothing but stress, anxiety and deep depression due to the impact this has made on my life. I need these items removed from my report Immediately. I will also file a report with the States Attorney General, FTC, Securities and Exchange Commission and be sure to make my XXXX XXXX followers aware of this company fraudulent behavior against consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: APEX Asset Management, LLC
State: NJ

Complaint narrative:
Apex Asset Management LLC sent me a collection letter dated after my account was fully paid and closed. I had paid directly to the hospital rather than to Apex, but called Apex after to notify them that the debt had been fully paid, and they confirmed over the phone that my account was closed on XX/XX/2023. On XX/XX/2023 I received a letter dated XX/XX/2023, attempting to collect the already paid debt. 

The amount of {$94.00} was paid in full on XX/XX/2023, and Apex was informed of this and said they closed the account the same day. The letter sent to me was dated for XX/XX/2023, and the wording of the letter was alarming. The very first line of communication under the letter head was, " Why are you avoiding these debts? '' written in all capitalized letters. Printed beneath this statement was the following : " Your failure to pay these accounts in full may show that you do not intend to pay them voluntarily. Are there circumstances of which we are not aware? 

We need to discuss your resolutions options. We have several options available to assist you in paying your debt. If there are mitigating circumstances, please list them below : '' Beneath this paragraph was a blank line to fill in, with further blank lines indicating to fill in information regarding my workplace location and phone number, and home phone number. 

The implication that I was unwilling to pay and avoiding this debt was mortifying and concerning, and the attached pay slip at the bottom of the letter was a new addition to communications I had received from them until now. I am positive that my debt has been taken care of with the hospital, but the wording of this letter left me feeling shamed and afraid of what they would further do to collect this debt, which I no longer owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Potential fraud committed on my debit card. Told fraud team about issue and they stopped payment. I was told to go to a local branch and get a replacement debit on the same day. 

When I went to the local branch in XXXX XXXX  they were having " system errors '' all over the bank and were unable to issue me a card. They told me they would call me when the card was ready. 

They never called me. 

I went in after XXXX business days to check on the " system errors '' and my card was ready. The local branch failed to call me. 

Then, on Tuesday XX/XX/XXXX, I received XXXX replacement cards in the mail telling me to activate each card. 

I went to the local branch to complain and they offered no help. I told them I was concerned that the issuance of these many cards without activation would cause them to freeze my account. They offered no assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
I always paid on time, and this giving me XXXX I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
Demand for HELOC to be Modified and Approved. 

Associated Bank has violated ECOA ( Equal Credit Opportunity Act ) when it denied our HELOC based on our national of origin, our age, and by steering us to refinance instead of getting HELOC. The bank denied it although we have met all its requirements. 

After submission our HELOC application on XXXX/XXXX/XXXX, a representative from the Bank called me and inquired the following information : Our home country. I answered XXXX. 
Our ages. I answered I am XXXX and my wife XXXX years old. 
If we were affiliated with any XXXX  political groups. I answered no. 
If we were carrying XXXX  Passports. I answered no. 
Then, on XX/XX/2023, the Associated Bank sent us notice of action denying our HELOC application. Then on XX/XX/2023, XXXX  Bank said in its letter our application was processed without wrongdoing occurred claiming that it was denied because of the following reasons : 1. 48 months have not passed since my wife bankruptcy discharge. 
2. My wife did not re-established Credit Depth by establishing four ( 4 ) trade lines. 
3. Not enough information to verify all income sources. 
Then we responded and explained in detail that reasons 1 & 2 above were null and not true based on the following facts : a. Regarding # 1, Associated Bank told me, before submitting my application, that my wifes bankruptcy would not prevent us from getting the HELOC as long as she did open three ( 3 ) different lines of credit in the last couple years. My wife credit report proved that she has the following credit in the last couple years : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. 
b. Regarding # 2, as explained in a, my wife has established Credit Depth by opening five ( 5 ) different lines of credits and by having Credit score of XXXX. 
c. Regarding # 3, we have submitted everything regarding our incomes. We have submitted last two years tax returns, last two years W2s, Social Security Retirement income, and my wifes last four ( 4 ) paystubs. That what they asked for and if they needed something more, then they should asked ask us for it and not deny our application for that reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: CT

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX XXXXXXXX- This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: AZ

Complaint narrative:
I am writing to you to express my deep concern over the fraudulent information on my consumer report. I was shocked to learn that I am a victim of identity theft, which has resulted in a negative impact on my credit history and ultimately on my financial wellbeing. This has been hurting me as I am in the process of buying home for my family. I am emotionally distressed and need these fraudulent accounts removed ASAP. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I recently received a application notice for a credit card, dated XX/XX/2023 from Barclays. The mailed notice referred to a Wyndham Rewards Earner Plus Card, and stated : " Thank you for your recent application.... We have reviewed the application and determined that additional information is needed before the request can be processed. '' I did NOT apply for this! - I don't travel much via hotel and would never have applied for this card. I did contact Barclays directly ( on Tuesday, XX/XX/2023 ) with the provided phone number, spoke to a Barclays customer Security Rep, and requested an investigation take place. I will be checking back with the investigation team to figure out the progress and hopefully, the fraudulent applicant gets caught - I will push to prosecute. I am aware that the phone number on this application does NOT match my phone number but the customer security representative could not disclose any further information at this time. 

I am filling out 2 separate cfpb complaints ( this is my second complaint ) The first complaint was for XXXX XXXX XXXX XXXX, ID # XXXX - XXXX, if needed for reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: NJ

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. I am formally requesting that these matters be investigated properly and immediately. The account information listed directly below is inaccurate, and I dispute the validity of each. As per the FCRA you must delete all entries to my credit file that can not be proven to be accurate. Likewise, you must provide me with your Method of Verification. You are a partial owner of the E-OSCAR system, which has proven to be unreliable for the intended purpose of my dispute and does not constitute the legally required independent investigation that you must conduct.For clarity, the sections of the Fair Credit Reporting Act of 1970 which are referenced within this letter are : Section 604, Section 609, Section 611, and Section 623. I will assume that by the very nature of your business, I do not need to provide definitions of what is covered under each of these sections individually.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: NJ

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. I am formally requesting that these matters be investigated properly and immediately. The account information listed directly below is inaccurate, and I dispute the validity of each. As per the FCRA you must delete all entries to my credit file that can not be proven to be accurate. Likewise, you must provide me with your Method of Verification. You are a partial owner of the E-OSCAR system, which has proven to be unreliable for the intended purpose of my dispute and does not constitute the legally required independent investigation that you must conduct.For clarity, the sections of the Fair Credit Reporting Act of 1970 which are referenced within this letter are : Section 604, Section 609, Section 611, and Section 623. I will assume that by the very nature of your business, I do not need to provide definitions of what is covered under each of these sections individually.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation
State: SC

Complaint narrative:
I have always gotten my direct deposit on every other Friday of the month with my job. They are holding my funds with no explanation why. I have bills to pay and desperately need my funds.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDICO. INC
State: ND

Complaint narrative:
I received a phone call from credit collection Bureau, they stated I owed XXXX I'm debt, most of which is more than six years old. When I asked for a debt validation letter after explaining that this is the 3rd credit collection company to contact me about this specific debt one being from XXXX the birth of my child which was covered under XXXX they refused, I spoke with the supervisor who also refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
freecreditscore.com has been taking money from my bank account every month since requesting cancelation over the phone in XX/XX/. This company has been unreachable ever since. No online communication and the phone line is always busy. 
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 2023-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Netspend Corporation
State: CA

Complaint narrative:
in about 2015 I request that XXXX XXXX XXXX XXXX cancel a XXXX XXXX  monthly subscription. however, they continued to charge me for the account. I contacted my credit card agency and reported the incident and requested a new credit card. They informed me that they would take care of the issue by replacing the card. I don't know how the company got access to my new card, but the charges continued to come. throughout the COVID crisis and it became a low priority, and I had other problems to deal with and did not check my account because I relied on the company to honor my request to stop deducting and cancel the subscription. within the last year after auditing my account I noticed that XXXX was still deducting {$85.00} from my account. I contacted both the agency and the credit card company and request that stop the charges immediately. as of XX/XX/XXXX2023, I am still getting charge considering my ongoing request to cancel. I feel Net spend should have protected my account but for some reason they continued to allow this company to continue to charge me after replacement of the cardXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: AZ

Complaint narrative:
On cash app I had a lot of fraudulent transactions I contacted the merchant who refunded a few but claimed they couldnt refund the rest to dispute them with bank for refund. I provided that email to cash app also yet they keep denying saying I authorized transactions with XXXX XXXX XXXX  and few others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation