vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-16 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: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
- In accordance with fair credit reporting act XXXX XXXX XXXX XXXX. Account number : XXXX Has violated my rights - 15 USC 1681 section 602A states i have the right to privacy - 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written consent and or instructions. Fraud was committed on my account and i was charged for it instead of just closing the account

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 2022-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I HAVE FRAUDULENT ACCOUNTS THAT ARE LISTED ON MY CONSUMER REPORT THAT I HAVE NEVER OPENED NOR SIGNED MY SIGNATURE FOR. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES

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 2022-04-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: MS

Complaint narrative:
per the last complaint on XX/XX/2022 complaint number XXXX the company stated, " Ability Recovery Services is a third-party debt collector ''. I never gave Ability Recovery Services any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt I owe. I have attached a copy of the debt validation letter, along with the cease-and-desist notice. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with Ability Recovery Services and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Ability Recovery Services any right to collect on this alleged debt. I have never received any documentation requesting validation from Ability Recovery Services, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Ability Recovery Services, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Ability Recovery Services, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Ability Recovery Services, continues its collection efforts, I will file for litigation for actual damages caused and Ability Recovery Services, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2022-04-16 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: SC

Complaint narrative:
- In accordance with fair credit reporting act AFFIRM INC . Account number : XXXX Has violated my rights - 15 USC 1681 section 602A states i have the right to privacy - 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written consent and or instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I deserve without ongoing conflict that my property and loan are discharged of mortgage by XXXX on XX/XX/XXXX with XXXX county register of deeds and are requesting confirmation from XXXX lien release department that from my complaint ftc # XXXX that i XXXX XXXX XXXX received a call from the XXXX federal trade commission employee on or around XX/XX/XXXX and she said ( call XXXX at this number and ask them, WHAT THEY WILL DO FOR YOU ) PH. XXXX XXXX, XXXX. XXXX XXXX, FAX XXXX XXXX. Two female employees at XXXX immediately said " we are sorry for what XXXX XXXX did to you '' and we are doing a discharge of mortgage on your property and congradulations to you on a paid up XXXX loan. TO XXXX, PLEASE PROVIDE THESE FACTS TO THE CFPB STAFF IN THIS COMPLAINT. 

XXXX XXXX has misused my identity across the board including in the name of fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I deserve without ongoing conflict that my property and loan are discharged of mortgage by XXXX on XX/XX/XXXX with XXXX county register of deeds and are requesting confirmation from XXXX lien release department that from my complaint ftc # XXXX that i XXXX XXXX XXXX received a call from the female federal trade commission employee on or around XX/XX/XXXX and she said ( call XXXX at this number and ask them, WHAT THEY WILL DO FOR YOU ) PH. XXXX XXXX, PH. XXXX XXXX, FAX XXXX XXXX. Two female employees at XXXX immediately said " we are sorry for what XXXX XXXX did to you '' and we are doing a discharge of mortgage on your property and congradulations to you on a paid up XXXX loan. TO XXXX PLEASE PROVIDE THESE FACTS TO THE CFPB STAFF IN THIS COMPLAINT. 

XXXX XXXX has misused my identity across the board including in the name of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CO

Complaint narrative:
I disputed this debt due to the belief that it was an account opened fraudently. I used XXXX XXXX to dispute ans was informed it was in fact disputed and it was taken off my credit report. Now it is back on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XX/XX/XXXX, I cahsed out a check {$3100.00} my friend gave to me one month ago at US bank XXXX XXXX and the check was bounced ( my friend forgot about the check ). I went to the same branch fixed it right away by depositing some cash and a new check XXXX given by the same friend and he was apologetic. I was told to wait meanwhile my account was on hold. The branch was trying to fix it with me to save my account telling me it should be fine by the next week. Weeks later, my account was under closure after I called the customer service. Meanwhile I emailed my account manager from the branch where I opened my account, US bank XXXX XXXX XXXX, in XXXX LA, and informed him about what happened and asked him to help me keep my account. I got no response. So I emailed the manager XXXX XXXX for help and no response. I had a direct deposit to this account for about {$900.00}, and I called the XXXX branch and I was told that if my account is closed and I should get a check fromt he bank after they close my account. It's been more than 2 months I've been waiting, a few weeks ago I called the XXXX branch again and they didn't see the check mailing out, so they asked me to contact my branch manager, XXXX XXXX. So I called XXXX branch and asked for XXXX XXXX 3 times and I was on hold for average 12 min on the phone and no response. So I rang XXXX XXXX XXXX asking for help cause I had not got any responses after I left him a few voice messages and emails. XXXX XXXX XXXX told me on the phone that my case went to fraud department and it was out of his hands, and I was asking which number I could call or any department I should contact about my check. He told me to get back to me and never did, I emailed him one last time in XXXX XXXX for the number he was going to give to me and no response. It's been 2.5 months and quite frustrating when no one respond, no one cares. I determined to close my account when dealing with a bank like this. I am still a credit card holder of this bank and the way they treat this case and their customer is just unreasonable and rude. I don't know why they keep ignoring this when the help is needed. Right now I intend to get my money back, since that's how they treat the customers, I would never have any business with a company like this, it is obsurd. Please help me to get them respond and send me my money remained in that account. 2.5 months, no responses, no explainations whatsoever. I don't know what they are doing, such a shame.

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 2022-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The credit bureaus have incorrectly labeled me or my credit disputes as fraudulent. It has been almost 3 months with no communication from the credit bureaus on the disputes that were submitted 3 months ago. 

Additionally, I have an excellent credit history which is not being reflecting in my credit score. I have been making timely payments to XXXX XXXX for several months now, with no updates to my credit score in the last 3 months.

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 2022-04-16 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:
The credit bureaus have incorrectly labeled me or my credit disputes as fraudulent. It has been almost 3 months with no communication from the credit bureaus on the disputes that were submitted 3 months ago. 

Additionally, I have an excellent credit history which is not being reflecting in my credit score. I have been making timely payments to XXXXXXXX XXXX for several months now, with no updates to my credit score in the last 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: IN

Complaint narrative:
I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent a a second letter and again still did not get a response. I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request.

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 2022-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello Folks, This started with a new employee who did not evidently use the Michael 's payment system correctly. I have a double billing of {$200.00}. I submitted the receipt and this is a no brainer double billing. 

SEE THE RESPONSE WHICH IS ONGOING : Capital One Home Need help? 

XXXX XXXX... XXXX Can not assist Sent from Capital One XXXX XXXX, 2022 Can not assist Added XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX, XXXX : XXXX : XXXX : XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Number : XXXX XXXX A XXXX, Here 's an update on your dispute with XXXX XXXX XXXX billed on XX/XX/2022 for $ XXXX.At that time we began an investigation into your dispute and requested information from you . While we have received your response to this request, it lacks all of the previously requested information needed to validate your dispute. 

Unfortunately, based on the information we have, we are unable to assist with your claim.If you still want to dispute the charge, please contact the merchant and work directly with them. At this time, we consider your case closed. We apologize for any inconvenience. If you have questions, please give us a call at XXXX. We're available from XXXX XXXX to XXXX XXXX ET.Sincerely, Capital OneTransaction Support Center XXXX Capital One. Capital One is a federally registered service mark. 

The following is what I sent to Capital One for Resulution of the same day double billing :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: MI

Complaint narrative:
I HAVE FRAUDULENT ACCOUNTS THAT ARE LISTED ON MY CONSUMER REPORT THAT I HAVE NEVER OPENED NOR SIGNED MY SIGNATURE FOR. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent a a second letter and again still did not get a response. I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request.

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 2022-04-16 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: TN

Complaint narrative:
I HAVE FRAUDULENT ACCOUNTS THAT ARE LISTED ON MY CONSUMER REPORT THAT I HAVE NEVER OPENED NOR SIGNED MY SIGNATURE FOR. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES

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 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion has suspended my account multiple times not allowing me to manage my credit report freeze. The app that previously I was able to use to manage my credit report freezes now require a payment to use. I have called them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2022 and they have consistently failed to provide me the ability to unfreeze my credit report. They have prevented me from obtaining financing for a home once already and may prevent me from obtaining financing for yet another home.

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 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I was reported late in XX/XX/2021 for a very small balance.

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 2022-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I HAVE FRAUDULENT ACCOUNTS THAT ARE LISTED ON MY CONSUMER REPORT THAT I HAVE NEVER OPENED NOR SIGNED MY SIGNATURE FOR. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES

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 2022-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Hello, XXXX or whatever your name is. You seem confused so let me re-iterate. I informed you that your company illegally refused to close a fraudulently opened account without illegally forcing me to agree to terms I was not subject to. Since you are relaunching a fraud investigation but also refuse to log this illegal behavior by your company let me help you. I have reported your company 's illegal action to the DOJ as well asthe State AG + office of Consumer Complaint Department of New York. 

Oh and since it's already logged you refuse to take accountability and I assume you personally already listened to the audio and have no problem with your employee 's illegal behavior it involved you too. I want to inform you I am asking now, in written form, which under Georgia law you have 30 days to reply to, for your insurers information. You have victimized me criminally and illegally neglected your companies fiduciary duty to me and I want to make a claim. You have 30 days to comply under Georgia State Law before I inform the Georgia State AG of you have refused to comply. 

Your company 's representatives have tortuously interfered with my ability to conduct business due to your illegal actions for which American Express is liable for and which I have laid out here. Your company Illegally intimidated and coerced me to agree to terms to terminate a fraudulently opened account in violations of your legal and fiduciary duty, for which your company is liable. 


Now again I informed your company of criminal behavior, Illegal on both state and federal level, XXXX XXXX and want to note now, you have obviously researched this and refuse to acknowledge it. Thank you for that confirmation. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: IN

Complaint narrative:
I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent a a second letter and again still did not get a response. I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request.

Company response to consumer: Closed with explanation