vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-22 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: AZ

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX Please remove it from 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 explanation
Consumer complaint received 2022-06-22 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: Kriya Capital, LLC
State: GA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
AT T U Verse sold the account to another company and I hired XXXX XXXX XXXX to resolve the issue IN XXXX. Years ago, I spoke to ATT 's Corporate office and resolved the issue of {$140.00} and change. My God, {$140.00} and change. I have emails from the representative regarding the issues. I'm not sure why the account went to Collections. While working with XXXX XXXX XXXX, this account was resolved and closed, it should have been removed from my credit. As I explained to I C System, I never owed this money and it was resolved. I disputed this with XXXX and it was removed from my credit. Why is this foolishness still on my credit report and has been for months. I've disputed this with XXXX several times, and XXXX refuses to remove. Remove this and I do not owe it.

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 2022-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: FL

Complaint narrative:
XX/XX/2022 I called Credit Karma who is my banker.. I have a debit account with them. My stolen & used. Because Ive been broke I havent used it much but I realize it when I received a {$50.00} XXXX payment. I called Credit Karma to dispute charges that wasnt made by me. Everytime I called I had to give him/her the charge amount I was disputing. So they acted like they were disputing but wasnt.. I asked for Corporate number & stated I didnt want to talk to a Call Center Manager.. Apparently I had no choice.. They stated itll be up to 10 days for my results. That was a problem I had 2 XXXX payments that was applied to my disputed charges. I checked my account for my results They denied me. I called very upset.. I was told someone will contact me.. Im still waiting for that. I just want whats owed to me.. {$76.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Certified Solutions, Inc
State: CA

Complaint narrative:
I'm a victim of identity theft, banking fraud, compromised ssn, all my personal information has been stolen. 
P.S. I'm flowing on a current report I have filled in the past year or so, please I need an update on current status. 

Contact info- XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX Thank you...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The account XXXX on my report is showing open.That account was a settlement and closed for some reason Experian opened it backed up and reported delinquent payments on my credit report.THAT IS INCORRECT.

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 2022-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing the validity of Transunion 's so called investigation.They have a responsibility to report 100 % valid information. Having negative information on my credit file affects me negatively.This account couldn't be validated by XXXX this same account was removed by XXXX. I submitted a screenshot of CFPB complaint XXXX the XXXX account removed by XXXX. I filed a CFPB complaint on Transunion to remove the XXXX they stated it was " validated ''. If the account is validated why have I yet to receive validation.I requested numerous times by mail.On the previous dispute as a stall tactic they responded in another language. I have received communication from Transunion in English only. This is grounds for immediate removal. I have attached screenshot showing removal of this same unvalidated account. I have also included the last letter sent to Transunion and their previous stall tactic response in another language.

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 2022-06-22 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: IL

Complaint narrative:
I have had a CapitalOne credit card since XXXX, there was a change of address made to CapitalOne to XXXX Credit Bureau in XXXX to XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. That was not me who changed the address for any mailing or use of that card with that address. 

Last week, my CapitalOne Walmart Rewards card was compromised 6 times. Last Thursday, XX/XX/XXXX, I contacted CapitalOne Walmart to find out why I received a package of a Wi-Fi photo frame when I never ordered it, the last 4 of my credit card number and the last 4 of another credit cards were attached to a purchase that came through on email, but the email showed another item that I received the day before. CapitalOne Walmart said there were no issues with my account and that the account showed 1 credit card and the person referred me to Walmart directly. I spoke with XXXX from Walmart that same day and he was going to send it to investigation. Yesterday ( XX/XX/XXXX ) I had spoken with XXXX regarding an inquiry on my credit report of the XXXX XXXX. address and they said that CapitalOne provided them the info. I contacted the credit card company CapitalOne and asked about that issue, but they don't have records before XXXX. I asked about the picture frame purchase I never made, and XXXX ( rep ) provided 6 purchases made with my credit card number that I never made over the last week. The card has been terminated and shut down and there is an investigation being done. 
The rep only provided 1 of the purchases as being in XXXX, but I live in XXXX, XXXX. The other 5 purchases couldn't be traced. The purchases are as follows : XX/XX/XXXX Walmart {$120.00} XX/XX/XXXX XXXX XXXX {$13.00} XX/XX/XXXX Walmart {$12.00} XX/XX/XXXX Walmart {$10.00} XX/XX/XXXX Walmart {$9.00} XX/XX/XXXX Walmart {$0.00} I believe that there has been another data breach on their end, and they don't want to take responsibility for their actions of provided misinformation to the wrong people ( the XXXX XXXX address ) ; as well as 6 different purchases made in another state when clearly if I was making purchases in XXXX, how could I be making purchases in XXXX at the same time. There is an internal investigation of this account being made, but this is terrible service on their part. I am extremely disappointed with their customer service as well as tracking of their customer 's information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase Ink Business Card from XXXX to XXXX account closed. 
Charges made on purchases were added as cash advances on the account. Which incurred other fees and a higher interest rate. 
Were also being charged for a balance transfer we never made on the account. 
We made a total of about {$2500.00} in cash advances in the last XXXX years all else were strictly normal credit card purchases. 
My wife closed the account about XXXX years ago after they told her the vendors were putting the purchases through as cash advances and refused to fix the problem. 
We now have a balance of about {$10000.00} all of which I was told was all interest and all being charged under the cash advance interest rate. 
Weve called all or most of our vendors and have been told they do not have the option of cash advance when charges are made. We also run a store and do not have that option either. So the only place that could happen would be at Chase. 
Spoke with them for about 2 hours today XX/XX/XXXX with zero resolve. 
Have never had any other credit card company do this, personal or business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2022 at around XXXX I got a call from from a lady at XXXX ( XXXX ) XXXX. She said I owed a debt and to call this number XXXX ( XXXX ) XXXX. The man that answered insisted I owe XXXX dollars to Citibank which I have no recollection of and is not on my XXXX XXXX. He was hostile and hung up on me twice when trying to ask questions. What Im most concerned about is he knew my whole social security and my address

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 2022-06-22 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 recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

As I am POSITIVE you are aware, as an injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ). 

As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being " PAID/PAYS as AGREED, NEVER LATE ' and as nothing else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: VA

Complaint narrative:
" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2022-06-22 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: VA

Complaint narrative:
" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2022-06-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom this may concern, I recently pulled my reports and noticed you are reporting ( XXXX XXXX ) inaccurately and violating the FCRA laws by furnishing inaccurate information on my account as I am entitled to accounts on my report being accurate and verified. XXXX has DELETED these accounts because they were unable to properly verify it. Im confused as to why you are still reporting these accounts and you have access to the same information that XXXX does? Because this account is being reported by your company and XXXX are different, this means the account has not been properly verified by you. Please DELETE this account immediately, as this is damaging to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OH

Complaint narrative:
Notice for Proof of Claim Account : I.C. System, IncXXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received a call from XXXX on XX/XX/XXXX, in which they stated they were not able to complete an application that I submitted. Since I had not applied with XXXX, I looked up their number online and called them on XXXX ( wasn't able to get through over the weekend ) about the call I received. I confirmed with them that someone had completed an application in my name but had misspelled my first name and used an email address that is not mine. I notified them that it was fraudulent and they removed the application. This prompted me to check my credit report in which I noted other inquiries that I had not authorized. I immediately called the financial entities listed in the inquiries to cancel any applications in my name ( XXXX XXXX and XXXX  XXXX XXXX ). Then I called all three bureaus, locked my file, filed a fraud alert, and asked that the inquiries in question ( all occurred on XX/XX/XXXX ) to be removed from my reports. I also filed an identity theft report with the FTC. 
XXXX and XXXX immediately removed the inquiries, but TransUnion asked me to upload documentation proving that I filed with the FTC and documentation from XXXX XXXX. I explained that I have NO documentation. I filed electronically with IdentityTheft.gov and provided them with my reference number and I called XXXX and provided them with my reference number. 
On the XXXX, I called again to find out why this inquiry was still on my report. They informed me again that they needed documentation which I do not have and have already told them this. They offered to contact XXXX to request their documentation which I gladly accepted. 
Today ( XX/XX/XXXX ), having observed that this is STILL on my credit report, I call again. They give me their broken record speech again, telling my that I MUST provide them with documentation that I DO NOT HAVE in order to have a fraudulent inquiry removed from MY credit report. Please help me understand how people are supposed to provide them with documentation on fraudulent transactions that they did not conduct and how this is in any way a reasonable request of someone who is already having to spend an inordinate amount of time to try to recover their credit that they have worked their entire life to build? 
Please hold TransUnion accountable to do the right thing for people who are legitimately contesting fraud. This is absolutely ridiculous.

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