vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
The statute of limitations on debt in the state of Tennessee is six years. This means that if a debt has not been repaid in six years, the lender can not sue to collect the debt. 


Charge offs are considered income according to the IRS, I never received a 1099c from this company although the debt has been sold to a third party company. Income is forbidden to be on a consumer credit report according to congress 15 ISC 1681-2 ( a ) ( i ) No transactions or experiences are allowed to be on a credit consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I did not open a capital one accout

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: GA

Complaint narrative:
I noticed an inquiry on my report I didnt authorize fromXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX of XXXX. I contacted the dealership multiple times informing them of the inquiry and they would not explain or provide anything to verify it was done by me. They then contacted me asking if I wanted to buy a vehicle when I sent the demand letter and were very ignorant laughing at me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
It has recently come to my attention that neither XXXX XXXX  nor its parent company XXXX XXXX XXXX. is licensed to collect any debts in XXXX XXXX  XXXX. XXXX XXXX XXXX was licensed by XXXX Department of Consumer Affairs ( DCA ) from XX/XX/XXXX through XX/XX/XXXX. 
The current status of this debt collectors license is INACTIVE. ( See attachment ) Business whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX XXXX residents MUST HAVE A DEBT COLLECTORS LICENSE no matter where the agency is located, including outside of New York State. XXXX XXXX nor its parent company XXXX XXXX XXXX is licensed to collect debts from XXXX XXXX XXXX residents ( see attachment ) and has no right to try to collect this alleged debt. Nor do they have the right to report attempted collection of this alleged debt to any persons through any mediums.

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 2023-07-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: OPORTUN FINANCIAL CORPORATION
State: GA

Complaint narrative:
Oportun acquired XXXX and I have an account with XXXX and have for several years. In the past you could manage the funds in the XXXX account via text commends. But since Oportun has acquired that functionality has ended. My contact info on the account has recently changed ( email and mailing address ), but Oportun has provided no means to change account info. on the XXXX accounts. I have called Oportun several times to change my information over the phone, but Oportun has NO servicing center for the XXXX accounts. I have spoken to several CSR 's and they claim someone will call me back, but they never do. I have over $ XXXX in this account that I effectively can not access. The account continues to pull money from my checking account because it is a passive savings account, but I can not turn that off either because the functionality is not built at Oportun. They are essentially holding my money hostage and will not help me access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The statute of limitations on debt in the state of Tennessee is six years. This means that if a debt has not been repaid in six years, the lender can not sue to collect the debt. 


Charge offs are considered income according to the IRS, I never received a 1099c from this company although the debt has been sold to a third party company. Income is forbidden to be on a consumer credit report according to congress 15 ISC 1681-2 ( a ) ( i ) No transactions or experiences are allowed to be on a credit consumer 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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The statute of limitations on debt in the state of Tennessee is six years. This means that if a debt has not been repaid in six years, the lender can not sue to collect the debt. 


Charge offs are considered income according to the IRS, I never received a 1099c from this company although the debt has been sold to a third party company. Income is forbidden to be on a consumer credit report according to congress 15 ISC 1681-2 ( a ) ( i ) No transactions or experiences are allowed to be on a credit consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The statute of limitations on debt in the state of Tennessee is six years. This means that if a debt has not been repaid in six years, the lender can not sue to collect the debt. 


Charge offs are considered income according to the IRS, I never received a 1099c from this company although the debt has been sold to a third party company. Income is forbidden to be on a consumer credit report according to congress 15 ISC 1681-2 ( a ) ( i ) No transactions or experiences are allowed to be on a credit consumer 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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX XX/XX/2023 Re : Complaint Against Citibank Costco Dear XXXX, I am writing to file a formal complaint against Citibank Costco due to what I believe is a severe violation of the Fair Debt Collection Practices Act ( FDCPA ). 
The FDCPA, enforced by your bureau, is designed to protect consumers like myself from abusive, deceptive, and unfair debt collection practices. In violation of these protections, Citibank Costco has been subjecting me to harassment through their persistent, and I believe excessive, phone calls. 
For the past four months, I have been receiving approximately four calls per day, seven days a week, totaling over 330 instances of contact. This number significantly exceeds the suggested '7x7 rule ', implying a limit of seven calls within a seven-day span.

This excessive contact has occurred without my written consent, constituting a further breach of the FDCPA, which prohibits such communication without explicit permission from the consumer. 
As a result of these violations, I am seeking damages of {$330000.00} This amount has been calculated based on the understanding that creditors can be held liable for up to {$1000.00} per violation. These repeated intrusions have caused considerable emotional distress and disruption in my daily life. 
I request that the CFPB conduct a thorough investigation into these practices. I am prepared to provide further evidence and documentation upon your request to substantiate my claim. 
Thank you for your attention to this matter. I trust in your commitment to consumer protection and look forward to your assistance in resolving this issue. 

Yours sincerely, 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
Consumer complaint received 2023-07-26 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: FL

Complaint narrative:
I requested a credit line increase on my business credit card account ending in XXXX with Capital One on XX/XX/2023. I received a denial letter on XX/XX/2023. The only reason given in the denial letter was : A credit increase on your account is not currently available upon request. 

This reason Capital One provided in not a reason. All that it tells me is that capital one denied my increase but it does not tell me why. A reason is something that explains why. I called Capital One 3 times on XX/XX/2023 to get the reason and I was told by 3 different representative, 2 of them being senior supervisors, that they had no access to the denial letter and could not read it. I told each representative the reason Capital One gave me and they all agreed that I was not provided an actual reason for denial. Although the Capital One representatives agreed that i was not given a reason, each representative said there was nothing they could do about it. I explained thoroughly to each representative that it is required by law to provide a reason for denial and although they agreed that that is true, the only thing the Capital One representatives said I could do about this is handwrite a letter to Capital One 's feedback department. 

I have been banking with Capital One for about one year. I have never missed a payment. My credit score is good. I pay the credit card balance in full every month. I have good credit history. I only have 2 credit cards. Considering how much i spend on this Credit Card, it is clear that I need a higher limit. Also my income has increased significantly over the past year. All of this information was provided to Capital One and they still denied my request for credit increase. I see no reason why Capital One would deny the increase and I was not provided with a reason for why they denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Credit has sent me paperwork for this account, but they are bills/statements that show payments were made. There is no contract, no address verification, no name verification, IS or anything sent that provides that this account belongs to me. Statements do not prove that it is me. I am not aware of what account was used to make these payments or anything. 

The address and the name are slightly off as well. My middle initial is not included as reflected on my credit report and the address is missing a number. 

Again, please remove this fraudulent account from my report asap. Ive disputed this several times already. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
Between XX/XX/23 and XX/XX/23, I have received at least XXXX calls from XXXX attempting to discuss a " business issue '' involving XXXX and attempting to have me verify personal information. Based on the background noise, the call originates from a call center and the callers have an XXXX or XXXX accent. I have refused to provide them information and blocked the number. More recently, however, I received a correspondence from " Credence '' ( XXXX XXXX XXXX, XXXX, TX XXXX XXXX ), dated XX/XX/23 attempting to collect a {$41.00} debt on behalf of XXXX. 

On XX/XX/23 ( XXXXXXXX XXXX ), I called XXXX ( XXXX ) and confirmed with the XXXX that my account with them had been closed effective XX/XX/23 and that the final payment for my account was received on XX/XX/23 for {$31.00}. She further confirmed there was no past due amount on my account and that they had not contracted with " Credence '' to collect a debt from me, nor had XXXX had sold a debt to " Credence '' that I previously owed them. She further confirmed the account number shown on the correspondence from " Credence '' was not the account number for my previously closed account. 

Following my call with XXXX, I reached out to Credence ( XXXX XXXX ) at the number listed on the correspondence received. The recorded message advised the offices were not open and that their hours of operation were from XXXX XXXX XXXX XXXX XXXX XXXX  I called back during those hours and the XXXX had the same XXXX or XXXX  accent and sounded to be in a similar call center. She immediately began trying to verify personal information. I provided her the " Credence Reference '' number from the letter and advised that if she was legitimate, she would be able to obtain any needed information on her own. When she was unable to do so, I advised her that I believed they were scam callers based out of either XXXX or XXXX and requested my name and number be removed from their database. 

The State of Louisiana 's office of motor vehicles recently advised residents of a data breach and have provided XXXX subscriptions. I have taken advantage of the subscription as of XX/XX/23. 

Thank you for any assistance you can provide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS BXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX, AZ XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX, AZ XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing your office because the OCC referred me to your office for assistance. 
I initially wrote the OCC in XXXX XXXX  XXXX. 
Our late mother XXXX XXXX XXXX received a response correspondence from Wells Fargo Bank N.A. subsidiary XXXX XXXX XXXX XXXX XXXX, in which the said bank 's general counsel informed our mother the bank did not own her railroad property and only had a lien on said property.

Upon independent investigation it has been verified said bank has unlawfully collecting revenues generated from the unlawful use of our family 's property and treating said revenues as ordinary income from time immemorial and refuses to give an accounting of the revenue stream nor provide quarterly statement to me in my position as trustee and pursuant to 11 United States Code Section 543 Turnover of Property by a custodian. 

Wells Fargo held unlawful lien on said property for over 35-years long after the bank was paid through a bankruptcy trustee in the XXXX XXXX XXXX  Florida. 
The bank is continuing to use the property and collect revenues unlawfully without our consent nor authorization and is a " Trustee In invitum. '' On XX/XX/XXXX I filed a complaint with the Federal Reserve Board in Washington D.CXXXX, against Wells Fargo Bank N.AXXXX, also on XX/XX/XXXX the Federal Reserve Board froze the bank 's balance sheet. Subsequently, Wells Fargo Bank instructed its personnel to file a release of mortgage. 
To date the bank has yet to account for the revenue stream. 

The revenue exceeds $ XXXX dollars and pursuant to 12 CFR section 9.10 ( b ) the bank is required to set aside collateral to secure revenue which exceed FDIC insurance. 
Thanks in advance for any help. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, 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
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.

Company response to consumer: Closed with non-monetary relief