vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The same problem I had in XXXX I believe with Capital One failing to pay my bills after deducting the funds from my account is happening yet again. 
I set up bank bill pay through Capital One to pay {$210.00} to XXXX to pay my XXXX cable and internet bill. Payment was never received and they are threatening to cut off my service. The funds were deducted from my account XX/XX/XXXX, but Capital One is unable or unwilling to provide a receipt from XXXX showing that they paid XXXX. I asked on XX/XX/XXXX for Capital One to re-submit the payment. As of XX/XX/XXXX XXXX still shows zero payment and is still planning to shut off my service due to non-payment from my bank. When I call Capital One they can not provide confirmation that the payment was re-submitted as was agreed to on my XX/XX/XXXX phone call with them, and they still can not provide any proof of payment from my initial bill pay request from XX/XX/XXXX. Yet the funds have been deducted from my account. When I ask representatives on the phone today ( XX/XX/XXXX ) to please just pay the bill, all they say is that there is an investigation and can not pay the bill today. 
This same issue happened with my electricity payment in XXXX. Capital One will not help me pay my bill, even though they deducted the funds. I asked Capital One to join me and XXXX on the phone together on a 3-way call to resolve the issue, and the Capital One representative on the call today ( XX/XX/XXXX ), refused to take part in that call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-12-24 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: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XX/XX/2023 Speedy Cash XXXX XXXX XXXX XXXX, TN XXXX Subject : Notice of Unauthorized Use of Credit Report Dear Speedy Cash, I am writing to bring to your attention a matter of great concern regarding the unauthorized use of my credit report. Upon reviewing my credit history, I have discovered inquiries and activities that I did not authorize. 

Details of unauthorized activities : 1. It has come to my knowledge and understanding that you have inquired upon my consumer report on XX/XX/2023. 

I request that you investigate this matter promptly and take appropriate action to rectify the unauthorized use of my credit report. Please provide me with a detailed report of your findings and the steps taken to resolve this issue. 

Enclosed with this letter are copies of relevant documents supporting my claim, including [ list any supporting documents ]. I trust that you will handle this matter with the urgency it deserves to ensure the integrity of my credit report is restored. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX Enclosures XXXX [ List of supporting documents ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: WI

Complaint narrative:
All charge-offs and third-party debts are considered Certificates of Indebtedness, which are treated as income and can not be reported to my credit report. 

This is also a violation of my privacy under the Privacy Act of 1974. You can not report without my consent. 

The Privacy Act provides protection to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.

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 2023-12-24 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: WI

Complaint narrative:
All charge-offs and third-party debts are considered Certificates of Indebtedness, which are treated as income and can not be reported to my credit report. 

This is also a violation of my privacy under the Privacy Act of 1974. You can not report without my consent. 

The Privacy Act provides protection to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.

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 2023-12-24 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: HW Holding, Inc
State: WI

Complaint narrative:
Hunter Warfield is reporting a collection to my credit report and All charge-offs and third-party debts are considered Certificates of Indebtedness, which are treated as income and can not be reported to my credit report. 

This is also a violation of my privacy under the Privacy Act of 1974. You can not report without my consent. 

The Privacy Act protects individuals in three primary ways. It provides individuals with the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely, or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: IN

Complaint narrative:
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  Subject : Identity Theft and Unauthorized Collections on Credit Report Dear [ Collection Agency Name ], I hope this letter finds you well. I am writing to bring your attention to five collections that have appeared on my credit report, which are a result of identity theft. This unfortunate incident occurred on XX/XX/XXXX, when my car was stolen along with personal identification documents. 

I would like to clarify that I did not initiate or authorize any of the transactions associated with these collections. As the victim of identity theft, I have taken the necessary steps to report the incident to the relevant authorities, including filing a police report and notifying the Federal Trade Commission ( FTC ). 

Enclosed with this letter are copies of the police report and FTC complaint, providing evidence of the identity theft and unauthorized transactions. I kindly request that you review the information and take appropriate action to rectify this matter promptly. 

I understand that your role as a collection agency is to recover debts owed to your client. However, in this case, I am not responsible for the debts in question, as they were incurred fraudulently without my consent. I request that you remove these collections from my credit report immediately, as they are negatively impacting my financial standing. 

I have also taken additional steps to protect my identity and prevent further fraudulent activities. These actions include placing a fraud alert on my credit file, notifying my financial institutions, and monitoring my credit reports regularly. I encourage you to cooperate fully in this matter and help resolve the situation as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: IN

Complaint narrative:
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 Subject : Identity Theft and Unauthorized Collections on Credit Report Dear [ Collection Agency Name ], I hope this letter finds you well. I am writing to bring your attention to five collections that have appeared on my credit report, which are a result of identity theft. This unfortunate incident occurred on XX/XX/XXXX, when my car was stolen along with personal identification documents. 

I would like to clarify that I did not initiate or authorize any of the transactions associated with these collections. As the victim of identity theft, I have taken the necessary steps to report the incident to the relevant authorities, including filing a police report and notifying the Federal Trade Commission ( FTC ). 

Enclosed with this letter are copies of the police report and FTC complaint, providing evidence of the identity theft and unauthorized transactions. I kindly request that you review the information and take appropriate action to rectify this matter promptly. 

I understand that your role as a collection agency is to recover debts owed to your client. However, in this case, I am not responsible for the debts in question, as they were incurred fraudulently without my consent. I request that you remove these collections from my credit report immediately, as they are negatively impacting my financial standing. 

I have also taken additional steps to protect my identity and prevent further fraudulent activities. These actions include placing a fraud alert on my credit file, notifying my financial institutions, and monitoring my credit reports regularly. I encourage you to cooperate fully in this matter and help resolve the situation as soon as possible

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 2023-12-24 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Fraudulent purchases were made and Citibank will not take the fraudulent charge off.

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 monetary relief
Consumer complaint received 2023-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
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 Subject : Identity Theft and Unauthorized Collections on Credit Report Dear [ Collection Agency Name ], I hope this letter finds you well. I am writing to bring your attention to five collections that have appeared on my credit report, which are a result of identity theft. This unfortunate incident occurred on XX/XX/XXXX, when my car was stolen along with personal identification documents. 

I would like to clarify that I did not initiate or authorize any of the transactions associated with these collections. As the victim of identity theft, I have taken the necessary steps to report the incident to the relevant authorities, including filing a police report and notifying the Federal Trade Commission ( FTC ). 

Enclosed with this letter are copies of the police report and FTC complaint, providing evidence of the identity theft and unauthorized transactions. I kindly request that you review the information and take appropriate action to rectify this matter promptly. 

I understand that your role as a collection agency is to recover debts owed to your client. However, in this case, I am not responsible for the debts in question, as they were incurred fraudulently without my consent. I request that you remove these collections from my credit report immediately, as they are negatively impacting my financial standing. 

I have also taken additional steps to protect my identity and prevent further fraudulent activities. These actions include placing a fraud alert on my credit file, notifying my financial institutions, and monitoring my credit reports regularly. I encourage you to cooperate fully in this matter and help resolve the situation as soon as possible

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 2023-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Venmo suspended my account for no reason and refused to tell me why or unlock my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 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: TX

Complaint narrative:
XXXX XXXX XX/XX/2023 Clarity Services Inc XXXX XXXX XXXX XXXX FL XXXX Subject : Notice of Unauthorized Use of Credit Report Dear Clarity Services Inc, I am writing to bring to your attention a matter of great concern regarding the unauthorized use of my credit report. Upon reviewing my credit history, I have discovered inquiries and activities that I did not authorize. 

Details of unauthorized activities : XXXX. It has come to my knowledge and understanding that you have inquired upon my consumer report on behalf of XXXX XXXX on XX/XX/2023 XXXX from several different companies as shown from attachments. 

I request that you investigate this matter promptly and take appropriate action to rectify the unauthorized use of my credit report. Please provide me with a detailed report of your findings and the steps taken to resolve this issue. 

Enclosed with this letter are copies of relevant documents supporting my claim, including [ list any supporting documents ]. I trust that you will handle this matter with the urgency it deserves to ensure the integrity of my credit report is restored. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX Enclosures XXXX [ List of supporting documents ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I have an apple card, which is bank issued through Goldman Sachs. I cancelled an apple order of a new XXXX on XX/XX/2023. The charge was for XXXX XXXX The order was sucessfully cancelled through the merchant ( Apple ), they confirmed that the order did not fully go through since it was cancelled. Merchant was not able to do anything on their end and told me this is a bank-specific issue. So I contacted Goldman Sachs beginning since XX/XX/2023. They always tell me the same run arounds about contacting different departments of the bank, and telling me " just keep waiting ''. 
It is towards the end of XXXX, the order was cancelled in XXXX. The pending charge should've dropped long time ago. I can not use my apple card because the pending charge is using up majority of my available balance. Please help, thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Billing Error! My American Express Card was set on auto payments each month. My bank account due to multiple transactions of the same transaction flagged the transaction and did not process payment completely. It will show as pending and then dropped when completed. I did not know what was going on. I was under the assumption payments were being taking care of. I only knew of late payment when got in touch with American Express. We tried making payments which will go thru but will eventually drop again this will take several months to track down on cause. Bank had a cancel payment on American Express. I disputed error on late payments with credit bureau and credit card company to fix my late payments. Ive since been paid off and closed but late payments have been stuck on my credit report. I would appreciate a response in fixing my credit report payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: WI

Complaint narrative:
XXXX XXXX is reporting an account that was charged off. All charge-offs and third-party debts are considered Certificates of Indebtedness, which are treated as income and can not be reported to my credit report. 

This is also a violation of my privacy under the Privacy Act of 1974. You can not report without my consent. I've previously opted out of reporting and they have not complied. 

The Privacy Act protects individuals in three primary ways. It provides individuals with the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely, or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 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: WI

Complaint narrative:
XXXX XXXX is reporting an account that was charged off. All charge-offs and third-party debts are considered Certificates of Indebtedness, which are treated as income and can not be reported to my credit report. 

This is also a violation of my privacy under the Privacy Act of 1974. You can not report without my consent. I've previously opted out of reporting and they have not complied. 

The Privacy Act protects individuals in three primary ways. It provides individuals with the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely, or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.

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 2023-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: MI

Complaint narrative:
This company is still being lying scammers they are as Ive already complained about this company & fully explained the situation. 

My new issue currently is the fact they lied to you guys ( CFPB ) claiming that they deleted the collection off all 3 credit bureaus. Its been over 30 days & it is still showing on my credit when they said to wait merely 10 days for the change to be adjusted. Im afraid they were lying because as I read theyre response it raises a red flag Why would claim to have cleared the matter & in the same response to ( CFPB ) & consumer say that you can contact our clients & were offering 50 % discount for deletion! These guys are professional fraudsters. 

That itemized bill is complete fraud. 

I hate that I even have to go through this! After all the blatant disrespect & slander Ive taken from this company in the last few months I deserve better man seriously.

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 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
there was a late payment reported XX/XX/2023 with my XXXX  account which the bureaus are reporting a late but after i fixed it as it was a mistake. XXXX  fixed the late payment status and updated it to current but the bureaus refuse to take my dispute and update my credit report to remove the late payment

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