vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
It was reported to me from XXXX XXXX that I hard Inquiry on my account done by my Capital one bank. 

I neither authorized nor was informed of this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I first tried to close my account via telephone with Capital One in mid XXXX. I asked that the funds by send to my XXXX XXXX XXXX XXXX XXXX account which had an ACH / transfer relationship pre-established with the Capital One account. After a couple of weeks I noticed that the funds had not gone into my XXXX account and that the Capital One account did not appear closed. So on XX/XX/XXXX, I called Capital One and asked what happened. They told me that there was " a problem '' with transferring the funds to my other bank. Which was odd because the funds in the Capital One Savings Account were originally transferred from the XXXX account quite easily. But they never bothered to contact me or anything, they just stopped the process. 

So on XX/XX/XXXX, I also requested, again, that they close my account and send me a cashier 's check. Online the account is closed, but as of XX/XX/XXXX I have not received a check. I call them on XX/XX/XXXX and the representative tells me that the cashier 's check for over {$10000.00} was sent by regular postal mail. No tracking, no nothing. She tells me that she will have to " open a case '' which could take 3 to 5 business days. And that only then they will cancel the original check. Then they " may '' have to mail me, via post, an affidavit ( which I assume I will have to mail back ). More and more time. At that time it will take 7 to 10 business days to cut me a new check. Which will then be mailed again via regular mail, no tracking, no signature required. No chance for FedEx to get it to me right away since now it's been weeks and weeks and weeks I've requested my money- which is over {$10000.00} and quite a lot to me. 

I absolutely do not believe they original check has been cut and sent. I have never had problems receiving my mail at my location. New credit cards, important checks. Anything. Capital One needs to resolve this and send me money in the fastest way possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: IN

Complaint narrative:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Foursight Holding LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I received a letter from Foursight Capital. They charge off debt on XX/XX/XXXX, but continue to access fees, interest, and finance charges. I have disputed the amounts with the credit bureaus which has led to no help. Reached out to Foursight and they state the amount is accurate. I believe this is illegal. They have reported inaccurate information to the credit bureaus which violates FCRA 623 but XXXX and XXXX refuse to delete the record. Again, the furnisher of information that is inaccurate to credit bureaus is allowed to violate FCRA 623 without recourse. Big game with XXXX and XXXX violating their ethical and legal obligation to adhere to the FCRA but yet they collude with the furnisher for greed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: FL

Complaint narrative:
I've sent Experian numerous amounts of letters to remove the incorrect reporting of XXXX XXXX on my accounting and they refuse to delete. I've asked for them to send me their method of verification etc.. and they refuse to send.

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 2023-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In the cfpb complaint number XXXX Transunion responded that they removed both of the duplicate XXXX  account however 1 is still remaining on my credit profile XXXX XXXXXXXX I demand that this account is removed immediately. Attached is the cfpb complaint where transunion responded and stated they were deleting it

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 2023-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: NY

Complaint narrative:
Please see attached documents. Discover Breached Contract and a billing error, I filed a " notice claim '' as per " terms and agreement '' with the intent to arbitrate Discover in the near future if things are not handled the appropriate way. I sent out documents via USPS certified tracking there is nine day delay in delivery and Discover still have not received my correspondance from me ( consumer ). I am creating this case through the CFPB channel to expedite the process of Discover receiving correspondance. After the reciept this tranaction through CFPB I am giving 30 days to respond with some sort of solution and remedy. After 30 days if we cant come to some common ground to what I am requesting in my claim notice I will be moving forward with arbitration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One close my account with provide clear explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX is furnishing accounts on my consumer report that is a result of alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I DID not BENEFIT from any of the transactions. I sent EQUAFAX written correspondence which included my proof of identity, an identity THEFT report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my notice.

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was sold to another company unable to reach them for the account number in question. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards XXXX XXXXXXXX XXXX XXXXs and XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX Credit Card XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX Equifax XXXX XXXX Banks and XXXX XXXX XXXX XXXX  XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2023 someone attempted to open a new account under my name with Bank of America. I received a declination notice from consumer warnings. I called both consumer warning and Bank of America who put a flag notifying fraud.

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 2023-04-15 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: MS

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: KY

Complaint narrative:
15 usc 1681 ( i ) proedure in case of disputed accuracy.

this company has volited this law how did they validate any of the information when im only one who can and iwas not notifed. 

XXXX XXXX acct # 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 2023-04-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: FourLeaf Federal Credit Union
State: FL

Complaint narrative:
Loan is fraudulent and a down payment was taken when it should not have been. My car insurance was not included in my loan and this is against my UFC code law. UFC -15 1611, UF16-05, UFC16 62. I traded in a car and was not given my right equity for my trade in value. I have the right to rescind these loan on the UFC violations alone. 

I purchased my first vehicle from XXXX XXXX in 2019 ( XXXX XXXX ) which was a fraudulent, i than trade that vehicle in for a 2019 passport which also was a fraudulent contract. 


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
Consumer complaint received 2023-04-15 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: CITIBANK, N.A.
State: VA

Complaint narrative:
Citibank Mastercard did not resolve my credit card dispute of {$1100.00} with XXXX stating that Mastercard imposed strict guidelines on the time limit for investigating disputes but they did not provide those guidelines. Subsequently I have looked up Mastercards guidelines for filing a dispute and it is 120 days from the time of the charge OR the expected delivery date. As you will see from the dispute material that I sent to Citibank on XX/XX/XXXX ( on page 11 ), the estimated delivery date was communicated to be XX/XX/XXXX. Thus, I filed my complaint less than 90 days from the communicated delivery date. Citibank has drawn this out for months because they did not closely review the material that I had submitted. I filed my complaint within the XXXX time limits. I need Citibank to honor their buyer protection and refund me for this charge. Please read the submitted documentation closely!

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 2023-04-15 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: IN

Complaint narrative:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Oliver Adjustment Co.
State: WI

Complaint narrative:
Oliver adjustment company is taking to collect a set of {$1700.00} and {$670.00}, I do not know what this is for or from what original company. I want to note that under the doctrine of estoppel by silence, Englehardt v Gravens ( Mo ) 281 SW 715, 719, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exist. I have disputed with the credit bureaus multiple occasions. I am requesting proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof you must terminate this collection action and correct any erroneous reports of this debt as mines

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is furnishing accounts on my consumer report that is a result of alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I DID not BENEFIT from any of the transactions. I sent TRANSUNION written correspondence which included my proof of identity, an identity THEFT report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my notice.

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

CREDIT CARDS XXXXXXXX XXXX XXXX XXXX XXXX XXXX was sold to another company unable to reach them for the account number in question. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TransUnion Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply.

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 2023-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: PA

Complaint narrative:
I sent a first class certified mail letter to Waypoint Resource Group collection agency on XXXX XXXX XXXX. I advised them that the account they bought was not mine and to verify the account. I also advised them to remove the collection account from my XXXX report if they are unable to verify the account. They never responded to my letter and the account remains on my XXXX credit report. I reached out to XXXX 5 times and disputed the account, asked several times for them to verify the account. The account was removed then put back on my report the next month. I was told by several representatives they do not verify incorrect information. The collection agency and XXXX refuse to verify or delete this account from my credit report. Please investigate and remove this account from my XXXX 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 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I had my credit pulled for a vehicle loan. In my report there was a delinquent payment being shown on a XXXX credit card from XXXX and XXXX XXXX XXXX. I disputed this with Experian, and also contacted XXXX. Experian did not fix the error, and XXXX claims to have no history of my account EVER being delinquent. Experian claims that they investigated this, but if they had, XXXX would have shown them that there is no delinquencies on my, now closed, credit card account. It would actually show that XXXX returned to me an overpayment of XXXX XXXX, when this account was closed. Therefore, my credit was negatively impacted over a fraudulent report from the credit bureau.

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 2023-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC
State: MS

Complaint narrative:
I received a letter from Reliant Capital Solutions in XXXX XXXX XXXX. My credit reports says the the account has been delinquent since XX/XX/XXXX, but I was NEVER notified until XXXX of XXXX. I wrote a letter requesting a debt validation letter and never received a response. It was then put on my credit without a response to my initial request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, my wife and I met with XXXX XXXX a XXXX XXXX representative who has promised to have Solar and new roofing for a total cost of {$58000.00} with XXXX refund of {$940.00}, a FEDERAL Refund of {$15000.00}, a STATE Refund {$5000.00}. and NYC Refund {$11000.00} with a NET Cost of {$26000.00} at a rate of 3.99 % with a Term of 24 Years. 

XXXX XXXX proceeded with the qualification by pulling my XXXX Credit Score and the next thing was an email from Enerbank saying that I was eligible for a financing amount of up to {$120000.00}. That was the end of our meeting. No application or contract was signed that day. He only asked for my Social Security. 

Now EnerBankUSA quoted the interest@ 4.99 % with no payment term and if payment is not made in full by XX/XX/XXXX the amount will be increased I have told them clearly that there's no way that I will pay it in full. 

Please help. 

Thank you and after and our only cost will be

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 2023-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I, the consumer and natural person, was denied credit by AMERICAN EXPRESS when I applied for a XXXX Credit Card on XXXX XXXX XXXX My consumer credit transaction with my social security number that is referenced by congress as a credit card, pursuant 15 U.S.C 1602 ( I ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. AMERICAN EXPRESS is criminally liable for violating 15 U.S.C 1691 as I have proof that I was discriminated against by AMERICAN EXPRESS due to the response I received. In Pursuant of 12 USC 1431 Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore AMERICAN EXPRESS is unable to lend a consumer, natural person, and original creditor anything. AMERICAN EXPRESS is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AMERICAN EXPRESS.

Company response to consumer: Closed with explanation