vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Prosper Marketplace, Inc.
State: ME

Complaint narrative:
XX/XX/year> after a dispute on charges and payment I closed the account. 
XX/XX/year> I called the company to attempt to get the final balance due on the account, my customer number, and the correct mailing address to send payment via my bank 's bill pay. The first rep I spoke with was not able to tell me my account number or the address. The second rep was not able to tell me the account number either. I was told to send and reference the last XXXX digits on my card. 
XX/XX/year> I initiated a payment using my bank 's bill pay system to send Prosper a check in the amount of {$2000.00}, per my bank check should arrive to Prosper by XX/XX/year>. 
XX/XX/year> I initiated a payment in the amount of {$260.00} which per my bank was set to arrive to Prosper by XX/XX/year>. 
*Both checks were mailed to the address provided in their emails of Prosper XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/year> contacted Prosper to try to verify my payment was received, that they have sent the final statement I was promised, and to confirm my balance is still accurate. Representative kept interrupting me by saying " yeah '' " Uh huh '' " ok ''. Advised I will reach out daily until I can confirm the payment has been received and I already filed a complaint with the BBB as I am sincerely worried they will try to cause delays that will result in more monies owed to them. 

I also have asked multiple times for copies of all my billing statements since access to the app and this information is stopped when the consumer chooses to cancel the card. 

I must encourage others to please, avoid Prosper ... this is a nightmare. I have worked hard to improve my credit and their customer service and practices are not consumer friendly.

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 2024-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
Original debtor is XXXX XXXX XXXX  XXXX XXXX in the amount of {$480.00}, I never signed a contract with LVNV Funding LLC to collect a debt. I have asked for verification of debt owed to LVNV Funding LLC and I get back that it was Originally owed to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: FL

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am a victim of identity theft. I learned in XX/XX/XXXX in a phone call with a Capital One Representative that my personal information was used to open XXXX credit card accounts at Capital One, which are now closed and charged off. Furthermore, in this same phone call, I learned that my personal information was used to open XXXX checking/savings card account at Capital One. 

I did not open or authorize any of these accounts. I have disputed the XXXX credit card accounts opened in my name with Capital One on numerous occasions, over the phone. I have also mailed in dispute requests regarding these same fraudulent accounts on XX/XX/XXXX and XX/XX/XXXX, the latter of which I also requested a validation of the debt alleged to be owed and associated evidence associated with the accounts in question. On XX/XX/XXXX, by letter, Capital One indicated they could not provide me transaction history associated with the account and failed to respond to sufficiently to my other requests for documents that they have allegedly connecting me to the debt. They did, however, provide the dates on which payments were made on the accounts and the amounts in question. 

As such, then again on XX/XX/XXXX, I disputed these accounts again. However, in this mailed dispute, I provided my own bank account transaction history on the XXXX days they allege someone made payments on the fraudulent accounts. This bank account transaction history - - my only bank account - - shows no payments made to Capital One on the dates they suggest, demonstrating I did not make the alleged payments and reinforcing again that these accounts are the product of identity theft. 

Furthermore, on XX/XX/XXXX, I also disputed the debit card account, by mail, which was opened in my name, fraudulently, asking them to close the account which I had no knowledge was created. 

Because I sent this XX/XX/XXXX dispute through the Certified Mail, I have proof that Capital One received the dispute request on XX/XX/XXXX. It has been 32 days since Capital One received the dispute and nearly 38 days since I mailed them the dispute and I have not heard any result regarding the dispute of this investigation. In fact, I have heard from the XXXX major credit reporting agencies that Capital One continues to report the debt as valid, but has failed to 1 ) respond to my dispute request in a timely fashion, and 2 ) failed to provide sufficient documentation, such as a contract ( with a signature ), transaction history, and more, they believe connects me to the account in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for CARRINGTON MORTGAGE SERV to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account CARRINGTON MORTGAGE SERV - XXXX Last XXXX digit SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Provide a description of the incident and how you were victimized.Provide information not captured elsewhere in this complaint form. 
On XX/XX/2023 the following charges were posted to my American Express Corporate Card account : XXXX XXXXXXXX : $ XXXX XXXX XXXX {$120000.00} XXXX XXXXXXXX XXXX $ XXXX XXXX : XXXX XXXX XXXX : $ XXXX XXXX : $ XXXX XXXX : $ XXXX XXXX XXXX $ XXXX XXXX : XXXX XXXX XXXX : $ XXXX XXXX : $ XXXX XXXX : $ XXXX XXXX XXXX XXXX XXXXThese are fraudulent charges that I recognized the morning of XX/XX/2023. On XX/XX/2023 I contacted the American Express fraud department and explained the situation that my card was compromised and that these charges were not initiated by me. After validating my account information American Express closed my account and issued me a new card.On XX/XX/2023 American Express credited my account {$31000.00}, which is the sum total of the above charges.On XX/XX/2023 American Express reversed the credit and assessed my account {>= $1,000,000}, making me personally responsible for charges I did not initiate or authorize.On XX/XX/2023 I contacted American Express and told them that I was filing an internet crime report and affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Received a letter to my husband XXXX XXXX on XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX application was filed with Wells Fargo and Wells Fargo unable to provide benefits at this time due to not receiving documentation within 12 months at end of military period of service and based on information we provided and the XXXX XXXX XXXX XXXX database we are not eligible for benefits because our account was opened after our military service start and/or end date or closed and paid in full prior to our military service start date. 

My Wells Fargo Home XXXX Card Number for XXXX XXXX is XXXX The big issue is we NEVER filed a XXXX  application to Wells Fargo. We are veterans but got out of service in XXXX in XXXX and DID NOT even have Wells Fargo. We did not get Wells Fargo until somewhere in the year of mid XXXX. The account that Wells Fargo is referencing is a Wells Fargo XXXX XXXX XXXX that my husband has and I have XXXX also. The home project cards are the ONLY accounts we have with Wells Fargo. We DO NOT have checking, savings, CD 's, bonds etc. We don't understand what generated these letters from Wells Fargo. I reported it as fraud, to Wells Fargo. A personnel at WF states someone filed a XXXX application under my husbands name but WF Fraud could not find one. WF Fraud Division has no idea why we got these letters from Wells Fargo. My husband got a voicemail message about a loan application but caller did not say name or who they represent. My husband was afraid to return phone call. We are afraid we are being victims of fraud and don't know if we should go to police since Wells Fargo don't know why they sent the letters???

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 2024-02-23 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: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : XXXX, XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: AL

Complaint narrative:
I

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account Number XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX : XXXXXXXX XXXX XXXX Account XXXX has violated my rights . Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX SYS Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX : XXXXXXXX XXXX XXXX Account XXXX has violated my rights . Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I was notified by XXXX that my address had been updated by Equifax. I would like to see my Equifax credit report to determine what address has been added, so that I can correct it. However, I can't obtain my Equifax credit report. I am able to obtain XXXX and XXXX, but I get an error message whenever I attempt to obtain my Equifax report, which is suspicious and concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: IL

Complaint narrative:
I sent a letter to Agency for Removal of XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$870.00}. They responded with account valid. I contacted original creditor XXXX XXXX that did their own investigation and found I was no longer responsible for this debt due to Identity theft. I have attached proof of this with a letter in this complaint. I also submitted this to the Agency and they did not remove the debt.

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 2024-02-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy ; 15 USC 1681 Section 604 ( a ) ( ii ) also states a consumer reporting agency can not furnish an account without my written instructions ; under 15 USC 1666 ( b ) a creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose.

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 2024-02-23 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I keep getting told by Experian that these are tied to auto loans but these loans dont exist on my credit report. Continuously told that the creditor is the only one who can remove these but nothing is being done. Experian is in flagrant violation of fair credit reporting act. I filed a fraud report and nothing is being done about these improper credit inquiries.

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