vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom it may concern I looked at my consumer report and noticed fraudulent accounts I request that they be deleted I did not give permission to these accounts to be open Nord have any knowledge of these accounts I have attached our documents supporting claim

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 2023-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: CO

Complaint narrative:
In XXXX of 2022 I received notification from Convergent XXXX claiming I owed XXXX XXXX {$100.00} for an account that was opened XX/XX//2022 ; I told them I have never had an account, they advised me there was no service, just an activation fee, i told them never applied nor received a phone from them, I have been with XXXX for 7 years and have never had any interest in transferring my service. They said they would notify them, XXXX then reported it to my credit without knowledge of the debt, I wrote them and XXXX and they provided me nothing but a letter asking me to call then at XXXX when I call they wont help me but tell me to call XXXX instead, I called them and they said its under fraud. It is still on my credit report and they will not provide me details. I HAVE NEVER had SERVICE with 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 2023-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a credit card today XX/XX/2023 from an offer emailed to me from Capital One Bank. I have had a credit card with them for many years now and have always paid on time, and not once have been delinquent on a payment ; in fact I always pay much more than the minimum required. The email they sent was highly misleading. It stated that because of my hard work and excellent history with the company I was " pre-approved '' for a card with 0 % APR for the first 9 months. Here is the cut/paste from Capital One 's misleading email : " You work hard to manage your credit responsibly, and the next step on your credit journey is clearan offer to earn rewards on every purchase with the from Capital One, all with no annual fee. '' Thinking I could get 0 % APR for 9 months was great ( especially compared to what I pay them currently ), and I applied thinking I was " pre-approved. '' I was immediately denied and a hard pull on my credit report is now permanent because of Capital One 's misleading marketing practices. I work very hard to keep my credit history clean and all payments are always on time. I don't need this kind of negative reporting on my report. This kind of dishonest activity practice here by Capital One should be illegal. I attempted to email them at the address they sent my denial letter to and it was kicked back as undeliverable. The federal government needs to take these criminals to task for this kind of deliberate dishonesty. 
Bottom line : don't send out offers that a company does not intend to abide by. Capital One is a company that I will be making great efforts to no longer do business with because of dishonest business practices like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or the 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 an 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 or 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 2023-03-16 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: Experian Information Solutions Inc.
State: MD

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  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : 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 has violated my rights. Or the 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 an 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 or 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 explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
( XXXX XXXX ) applied for an educational loan with the federal government and was denied in part due to a collection account on his XXXX credit report which is being reported to all three major credit reporting bureaus ( XXXX, XXXX, and XXXX ). On or about XX/XX/2023 and XX/XX/2023 XXXX contacted both the collection agency displaying the information on his credit profile with the major credit reporting agencies in an attempt to discuss the bill with them. In XXXX first attempt at discussing the bill with the debt collection agency displaying the information on his credit profile he was asked to put in the reference number that is associated with the account. XXXX complied, and was then drawn into a circular series of prompts that were only willing to accept a payment amount in excess of what is displayed on his credit profile with the major credit reporting agencies and was unable to discuss the bill with a representative. XXXX then became frustrated and called the merchant, XXXXXXXX XXXX to discuss the bill with them. XXXX notified XXXX XXXX that the bill accrued as a result of security equipment that he wanted to return to the merchant. The merchant XXXX XXXX said that they were willing to take the equipment back and absolve him of the debt that is associated with the account, however they were unable to access the account with the information he made available to them. XXXX has since offered to return the equipment to a retail location, however given the nature of the issue XXXX is concerned they are not going to accept the equipment at the retail location. As a result of XXXX XXXX not being able to access XXXX account and the debt collection agency being unable to discuss the billing issue with XXXX XXXX XXXX is filing a dispute with XXXX and this agency due to XXXX XXXX reporting a debt that is not valid and being asserted only because they are not able to access his account themselves so that XXXX can return the equipment to them. They have created a situation where they are demanding an amount of money for items that qualify to be returned as they stated, but are unable to process the return given the internal technical issues they themselves are struggling with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16 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: VA

Complaint narrative:
I have been a victim of IDENTITY FRAUD due to my PERSONAL INFORMATION being compromised in the EQUIFAX DATA BREACH. Please remove these accounts from my credit report. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
SINCE WE made contact, I spoke with XXXX  at common wealth aka debt collector in Texas. I told them exactly how and why I'm being charged for a {$45.00} x-ray and not XXXX XXXX. Anyway where the XXXX did common wealth or whoever before them made a {$45.00} x-ray could cost so much?! I explained to XXXX that I'll pay the owed debt of {$45.00} dollars for the x-ray and offered to go ahead and pay XXXXXXXX XXXX and call it even. We refused many times for showing me to make a payment. He continued refusing my requests replying with I can only pay the full amount that's it, no questions asked, no answered questions. There way or the highway. I offered to pay the original owed debt that doesn't even belong to be. And pay extra on top of the owed debt that doesn't even belong to me from the beginning. 
Thank you for the help of these corruption medical/credit industries, theft, fraud, identity scams PREVIOUSLY SENT TO YOU I was under the authority of XXXX XXXX sheriff 's department I was XXXXXXXX and under their supervision I denied Medical Services numerous times and against my will they forced me XXXX me took me to the hospital ran a bunch of x-rays on me claiming my bones were broke in which they were not and now they're trying to make me pay for it I don't think so they need to go after XXXX XXXX like I've stayed in multiple times under multiple disputes that I am not responsible for any of that after time and time again I refused everything and I'm tired of the harassing voicemails calls during work Church all hours of the day and night I'm just fed up and you guys are my final hope!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: CA

Complaint narrative:
To whom it may concern I looked at my consumer report and noticed fraudulent accounts I request that they be deleted I did not give permission to these accounts to be open Nord have any knowledge of these accounts I have attached our documents supporting claim

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX XXXX was taken out of my personal account twice. I requested the additional XXXX to be credited back to my account and Kohls stated they had to sent it in a check form. As of XX/XX/XXXX I still had not received the check for the XXXX as when I requested the check on or around XX/XX/XXXX my account balance for Kohls was XXXX. I called back in the middle of XXXX to ask where the check was and was told to wait till the end of the month. I called again in the middle of XXXX as I still had yet to receive the check and they stated they would be sending it again. On XX/XX/XXXX My payment due balance.was XXXX. As of XX/XX/XXXX they recharged me XXXX two times and added late fees to my account on top of a purchase I had made for XXXX XXXX  sales. I never received the XXXX XXXX  sales purchase as it never left the warehouse. I called to request a refund and never received one and also also called to ask about why I was charged twice for XXXX. The issue was not resolved and I was told to fax my bank statement showing I was charged XXXX from my bank account. I faxed that information. They then in return took off one of the XXXX charges but not the other one. I have called every month since then asking for the check to be sent and each time I am told it is being sent. As of today, it has not been sent and I am not being charged late fees on top of the money that I never owed. I have called to try to find a solution but they do not offer one. I need this fixed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
After receiving the letter from Sunrise credit services about a collection notice regarding the balance from a utility company. The account number was incorrect on the notice. After investigating, I found the utility company balance was from a property that was sold by me almost 1 and year half ago. I did not receive any notice from the utility company regarding any unpaid balance. Since, my understanding was that all accounts are cleared of balances due at the time of closing. Now, when the collection agency sent the letter it had a date on the letter stating that if I communicate with the collection agency before XX/XX/XXXXXXXX of XXXX, they must stop any collection actions and further investigate the charges. But, they instead reported the collections on my credit report on XX/XX/2023. I have communicated via email to them, explaining that the balance was paid in full to the original creditor after the utility company confirmed that the balance belonged to me. But I never received any letter from the utility company after I sold the property. So, now even the balance is paid in full to the original creditor. Collections agency is not willing to delete the collections reported on my credit report. 
Kindly help .thank you

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 2023-03-16 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: VA

Complaint narrative:
I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation of 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 XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I accordance with the fair credit reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX. Has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: Affirm Holdings, Inc
State: DC

Complaint narrative:
I accordance with the fair credit reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX. Has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for the purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mendelson Law Firm
State: MS

Complaint narrative:
I was sued without my written consent and no knowledge of this alleged debt that the third party debt collection agency MENDELSON LAW FIRM claimed I owed. MENDELSON LAW FIRM has failed to send validation of debt and committed identity theft because I never gave written consent for them to use my social security number which is a federal crime/ fraud under the social security act. Attorney 's XXXX XXXX, XXXX XXXX, and XXXX XXXX are not obeying the FAIR DEBT COLLECTION PRACTICES ACT laws as well violating many more federal violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: CT

Complaint narrative:
XXXX. XXXX XXXX account number : XXXX XXXX. XXXX  XXXX XXXX account number XXXX XXXX. XXXX XXXX  account number XXXX XXXX. I HAVE NEVER LIVED IN ANY OTHER STATE IN THE UNITED STATES EXCEPT CONNECTICUT.

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. In addition to the statement above, the information below is incorrect.

15 USC 1681 section 602 A state I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681C ( A ) ( five ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 US C 1681s 2 ( A ) ( 1 ) A person shall not finish any information relation to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is an accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My Bank of America business bank account was restricted on XX/XX/2023 due to their own random suspicions. I made a deposit on XX/XX/2023 of {$81000.00} via check. It was placed on a hold and on the morning my funds were released my account was frozen. The check was issued via XXXX XXXX me and my client went to a local branch and confirmed everything is fine on their end. Prior to that I called bank of america 's customer service and spoke to 7-8 different agents that couldn't do anything but subliminally accuse me of fraud. I visited the my local branch ( XXXX, NJ ) times and was left hanging as well. I feel like I've been robbed of almost XXXXXXXX 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