vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
To whom it may concern, I am writing to dispute the fraudulent items listed on my credit report. Upon reviewing my credit report to start the process of buying a home with my fianc, I was appalled to learn that a list of accounts from Capital One had been opened in the name of my burgeoning credit history that I did not authorize. I am getting married in XXXX of this year, and I am being penalized for a higher debt-to-income ratio for having these fraudulent items on my credit report. These discrepancies are impeding our progress of fulfilling our dreams to buy our first home. 

After reviewing the accounts, it appears that payments have been made consistently to pay off the balances accrued. However, any payment methods that have been used to pay these balances are not affiliated with my bank account nor institution. In addition, there is a phone number listed on my credit report that does not match my cell phone number with which I conduct business. 

I am requesting that the following items be removed from my credit history to correct the information as the fraudulent charges were not made in good will nor with my authorization and knowledge. The fraudulent items can be found below : Item 1 Account Name CAPITAL ONE Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open/Never late. 
Status Updated XX/XX/XXXX Balance {$3300.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$120.00} Credit Limit {$4000.00} Highest Balance {$3400.00} Terms NA Item 2 Account Name CAPITAL ONE Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open/Never late. 
Status Updated XX/XX/XXXX Balance {$1800.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$58.00} XXXX XXXX {$2000.00} Highest Balance {$2000.00} Terms NA Item 3 Account Name CAPITAL ONE Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Closed/Never late. 
Status Updated XX/XX/XXXX Balance {$2200.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$71.00} Credit Limit {$5000.00} Highest Balance {$2600.00} Terms NA On Record Until XX/XX/XXXX Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The following inquiries are unauthorized : 1. Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX 2. Creditor : Make XXXX XXXX. 
Inquiry Date : XX/XX/XXXX 3. Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX 4. Creditor : XXXX XXXX XXXX Date : XX/XX/XXXX 5. Creditor us SM bus admin XXXX XXXX Date : XX/XX/XXXX XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX. Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX 8. Creditor : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX 9. XXXX XXXX XXXX Date : XX/XX/XXXX 10. Us SM bus admin XXXX Inquiry Date : XX/XX/XXXX 11. Creditor : XXXX Inquiry Date : XX/XX/XXXX 12. Creditor tax return but youve got to do it whenever you have a part theres no way around it now I know youre asking about disregarded entities to chill out Im trying to build a baseline : XXXX  XXXX Inquiry Date : XX/XX/XXXX 13. Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 14. Creditor : XXXX INQUIRY DATE : XX/XX/XXXX 15. Creditor : XXXX XXXX Inquiry date : XX/XX/XXXX 16. Creditor : XXXX Inquiry date : XX/XX/XXXX17. Creditor : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 18. Creditor : XXXXXXXX XXXX Inquiry date : XX/XX/XXXX 19. Creditor : XXXX XXXX Inquiry date :XX/XX/XXXX20. Creditor : XXXXXXXX XXXX  Inquiry date :XX/XX/XXXX 21. Creditor : XXXX Inquiry date :XX/XX/XXXX 22. Creditor : XXXX XXXX Inquiry date : XX/XX/XXXX23. Creditor : XXXX XXXX XXXX XXXX Inquiry date :XX/XX/XXXX 24. Creditor : XXXX Inquiry date : XXXX XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The following inquiries are unauthorized : 1. Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX 2. Creditor : XXXX XXXXXXXX XXXX. 
Inquiry Date : XX/XX/XXXX 3. Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX 4. Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX 5. Creditor us SM bus admin Oda Inquiry Date : XX/XX/XXXX 6. Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX 7. Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX 8. Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 9. XXXX XXXX Inquiry Date : XX/XX/XXXX 10. Us SM bus admin Oda Inquiry Date : XX/XX/XXXX 11. Creditor : XXXX Inquiry Date : XX/XX/XXXX 12. Creditor tax return but youve got to do it whenever you have a part theres no way around it now I know youre asking about disregarded entities to chill out Im trying to build a baseline : XXXX XXXX Inquiry Date : XX/XX/XXXX 13. Creditor : XXXX  XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 14. Creditor : XXXX INQUIRY DATE : XXXX XXXX 15. Creditor : XXXX XXXX Inquiry date : XXXX XXXX 16. Creditor : XXXX Inquiry date : XXXX XXXX 17. Creditor : XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX 18. Creditor : XXXX XXXX Inquiry date : XXXX XXXX 19. Creditor : XXXX XXXX Inquiry date : XXXX XXXX  20. Creditor : XXXX XXXX  Inquiry date : XXXX XXXX 21. Creditor : XXXX Inquiry date : XXXX XXXX 22. Creditor : XXXX XXXX Inquiry date : XXXX XXXX XXXX. Creditor : XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX 24. Creditor : XXXX Inquiry date : XXXX XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time.

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 2022-01-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. After doing research, Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed now. The inaccurate information is preventing me from getting approved for the things I need to have and causing me to pay higher than necessary interest rates. My information was also impacted by the equifax data breach and may have got in the hands of the wrong person. I will file for litigation if I have to. Please resolve the issues with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. After doing research, Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed now. The inaccurate information is preventing me from getting approved for the things I need to have and causing me to pay higher than necessary interest rates. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person. I will file for litigation if I have to. Please resolve the issues with my 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 non-monetary relief
Consumer complaint received 2022-01-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It is unacceptable that the these accounts are not corrected or updated and I am getting more and more upset. If the information is not immediately reinvestigated and not corrected and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act, I reseve the rights to file a law suit againgst your company or any company you represent.

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 2022-01-26 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: FL

Complaint narrative:
It is unacceptable that the these accounts are not corrected or updated and I am getting more and more upset. If the information is not immediately reinvestigated and not corrected and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act, I reseve the rights to file a law suit againgst your company or any company you represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Global Lending Services LLC
State: PA

Complaint narrative:
GLOBAL LENDING SERVICE You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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 — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: WA

Complaint narrative:
On XX/XX/2021 my credit card with chime was charged fraudulently charged {$3200.00} while my credit card was turned off and transactions of any kind should have been impossible. Is not only a violation of the advertised ability to lock your card when not using it so new transactions can not be posted to your account but it is also a violation of their own policy which puts a cap on an individual purchases and daily purchase limits of {$2500.00} so ANY transaction for {$3200.00} should have been impossible for any reason at any time. I have disputed this transaction with trying several times and they have refused to reverse the purchase despite verifying that I did in fact have the transactions turned off and my card locked at the time the purchase was made and that the purchase was made on a card with an old card that had a different expiration date and different cvv but still had the same card number. On top of all of this time purchase itself is fraudulent and after providing documentation to chime which showed that the charge was not legitimate chime still hasn't fixed this mistake despite the fact that for several reasons it should never have been allowed happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The consumer reporting agency, EQUIFAX XXXX, is inaccurately reporting a late payment on my consumer report and file. In accordance with 15 USC 1666b, I can not be late on my credit card account with XXXX XXXX XXXX as it is under an open end consumer credit plan. Prior to furnishing this inaccuracy on my consumer report on XX/XX/2022, did EQUIFAX INC. investigate to verify this information to be true? 

XXXX XXXX XXXX received a billing error dispute as well as a CEASE AND DESIST NOTICE on XX/XX/2022. In accordance with 12 CFR 1026.13d ( 2 ), XXXX XXXX XXXX can not make any adverse report about my consumer credit standing upon receiving billing error dispute. Also, XXXX XXXX XXXX  is in violation of the Cease and Desist Notice as they are not to communicate with me directly or indirectly in which they are indirectly communicating with me via my consumer report and file to coerce payment. 

Pursuant to 15 USC 1681 ( a ) ( 3 ), EQUIFAX INC. assumed this VITAL role and must adhere to their grave responsibilities pursuant to 15 USC 1681a ( 4 ). It is unfair to report my private transactions and experiences without getting consent from me, the federally protected consumer. EQUIFAX INC. continues to act impartial by not giving me, the federally protected consumer, an opportunity to validate the information before furnishing on my report. This all could have been avoided had they conducted a proper investigation instead of aiding XXXX XXXX XXXX  to attempt to commit coercion. 

Pursuant to 15 USC 1681b ( a ) ( 2 ), my written instructions are to remove the late payment from my consumer report and file. This needs to be updated immediately as everyday it is on my report it is damaging my reputation and prohibiting me from doing business with other financial institutions by falsely portraying me to not be creditworthy which impairs the efficiency of the banking system pursuant to 15 USC 1681 ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I've sent out numerous letters to ARS they have not responded to any letters XXXX has reported unvalidated debt they have not investigated and violated my rights under FCRA Laws

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 2022-01-26 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: DISCOVER BANK
State: NC

Complaint narrative:
The company has violated my FCRA many times in which is a violation of my rights!!! I have reached out to the executive office and still did not get the proper resolution. I also sent proof of these FCRA violations, and the creditor still did not take proper action. I have reviewed different reports from XXXXpresent and there are multiple FCRA violations that the creditor has violated!!! Under the Fair Credit Reporting Act ( FCRA ), I have a right to the fair and accurate reporting of my credit information. Reporting a balance after the account is paid off in full is a FCRA violation. Reporting different account statuses, balance, and payment history among all 3 credit bureaus is a FCRA credit violation.

According to section 607. Compliance procedures [ 15 U.S.C. 1681e ] Identity and purposes of credit users. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. 

This company has violated this FCRA section and is obligated to remove this account per my request! Not complying with the FCRA can subject this company to statutory damages of $ XXXX {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My mortgage company continues to pay the incorrect property tax disbursement. They did this in XXXX and again in XXXX. I went through the process of trying to resolve and after several months was told the XXXX issue would be resolved with the overpayment credited back to my escrow account. They would not redo the escrow analysis which resulted in my monthly payment increasing. The overpayment was credited on XX/XX/XXXX as a mortgage payment in the amount of {$5600.00} but on XX/XX/XXXX a tax disbursement was incorrectly sent in the amount of {$5600.00} followed by a tax disbursement on XX/XX/XXXX for {$5700.00}. I've attempted to contact Ally numerous times to resolve this issue and ask they address this to prevent it from happening in the future given this error has occurred each year for life of loan. I get no responses or updates to my 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 explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
This company has been charging me a balance for a year with different collection companies. I make the complaint and the credit company removes it and a few days later they come back again with the same account but with another collection company. On XX/XX/XXXX of this year 2022 they placed it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: NY

Complaint narrative:
XXXX XXXXXXXX XXXX is reporting an inquire that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX is reporting an inquire that I do not recognize.

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 2022-01-26 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: FL

Complaint narrative:
I sent you a request to reinvestigate the information that I previously disputed. It is unacceptable that the items are still showing on my report, I am getting upset. If the information is not immediately reinvestigated and removed and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act. I reserve the rights to file a law suit against your company or any company you represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I contacted Capital One due to an unrecognized transaction on XX/XX/2022 made through XXXX. I received an email stating that my account may be closed out. I called Capital One and was told by a rep that my account was closed and that my funds were frozen and I had to request a one-time exception to have funds sent to an external bank via ACH. I think it is ridiculous to shut down someone's bank account where their lively hoods are being sent just because they reported an unrecognized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
I changed my name in XX/XX/2020 because I got married ( the fraud is happening with my maiden name ). The XXXX XXXX successfully changed my name but they lost my original documents and I never received them back in the mail. After this I started getting notices in the mail from credit cards saying I applied. Of course I did not. So then I got XXXX and froze my credit scores back in XXXX due to the repeated credit card fraud. I also filed a police report. Since I did all this, the credit card applications haven't been approved ( as far as I know ). Except this Visa card from a company called Current was approved and they issued me a card that can be activated with their app. I called their customer service and left a message, they never called me back and they NEVER answer their phone. I emailed them and they said they won't help me because I don't have the email used to sign up. I told them that I don't have the email used to set up the account because it was set up fraudulently and that I need them to close this account ASAP. I asked to speak to a manager. They said no. It is worrying me very much that they won't close this account even though I told them it was fraud. I really think they are okay with fraud based on this experience it seems they don't care at all. I have the emails for proof of how they dismissed me.

Company response to consumer: Closed with explanation