vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: NC

Complaint narrative:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: TX

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. 

The letters are stated with items and issues. 

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 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 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 2023-06-12 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: TX

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. 

The letters are stated with items and issues. 

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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I purchased a vehicle back in XXXX with financing through Credit Acceptance, I almost immediately after purchasing the vehicle that I was charged extra fees on top of what I was told was included in the contract .... The sales price of the car was XXXX but when I looked at the contract the sales price was XXXX. Also I was charged XXXX for a sevice warranty contract which I came to find out was never even activated by the dealership!! I reached out to the dealership to complain and also reached out to Credit Acceptance with no help from neither. I read online that Credit Acceptance has been sued for this exact reason and actions!!! I would like to file a complaint and see what course of action to take now that I have been taken advantage of

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 2023-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have had this store card company report negative information on my credit reports. The problem is that I have never applied for a store card with this vendor. I tried disputing it with the store and also on my credit reports. The store says I have used the card for 2 years and that there were payments. I have tried to tell them that they either have the wrong person or that someone is using it fraudulently. I have also told them that I don't even shop at that store. This account shows an address that I used to live at but currently don't. I advised them that maybe someone whom purchased the resident may be using my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
I received a notice of collection from XXXX and it is reporting negatively reporting on my bureau. This collection is a credit error. Please remove ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I received a notice of collection from XXXX and it is reporting negatively reporting on my bureau. This collection is a credit error. Please remove ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: FL

Complaint narrative:
I have repeatedly have been sending a 609 letter to both Transunion and XXXX for the charge off accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they have yet to remove these charge offs that have 1099 being sent and they fail to do the work to verify and then sent me letters saying they were verified when in fact these account have been deemed charge off and they have already been paid and I have been taxed on these accounts. I have repeatedly reached out and to no avail have they removed these accounts and how can an account that is considered income be reported and is against fcra regulations and violates the law set forth for these actions

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 2023-06-12 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: NC

Complaint narrative:
For the past three days, I have been trying to have my credit freeze temporarily lifted in order to allow a company to access my credit information. With XXXX, the security lift took about 5 minutes. With XXXX, the security lift took about 5 minutes. 
However, with Experian, this has been a three day nightmare. I first attempted to do it online ( experian.com/freeze ). While the procedure seems as if it would be simple, it is circuitous, and never allows the consumer to lift the freeze. If attempting to call Experian at XXXX, the experience is even worse. The bot sounds as if can deal with fraud or a credit score but it will not allow the consumer to lift the freeze. How in the world can Experian even be allowed to exist since it seems that they have absolutely no interest in assisting a consumer and the consumer has no possibility of opting out of Experian?

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 2023-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Roach & Murtha, P.C.
State: NY

Complaint narrative:
I received a call from Roach & Murtha on 2 occasions. The 1st call was sometime in XXXX and the second call was on XX/XX/XXXX at XXXX est. The reps name was XXXX. In XXXX I noticed he failed to read the XXXX XXXX and verify my information and just started disclosing my personal info without know who he was talking to. He just assumed it was me. I did not pursue the XXXX violation because I owe the money and I did not mind paying it. On XX/XX/XXXX at XXXX est. XXXX XXXX collector did the exact same violation. He failed to read the XXXX XXXXXXXX, he failed to XXXX who I was and he opened up the conversation saying " XXXX this is XXXX from XXXX and XXXX, when are you going to make the payment. I responded and said I have a 10 day grace I will pay in the next couple of days. '' I ask " Hey XXXX your company does not verify information or disclose the XXXX XXXX '' He responded verbatim " We only XXXX  XXXX on the XXXX contact '' which is a violation of the FDCPA. The XXXX XXXX must be read on every attempt to collect a debt. XXXX XXXX failed to disclose on both Contacts. He did not ask for my address last 4 of the social and basically was in violation of the 3rd party disclosure as well. He had no way of know who I was if he failed to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Today, XXXX XXXX, I was notified that I had received a statement credit equivalent to all my rewards points. Capital One had converted all of my rewards of over 96,000 MILEs to a statement credit at 0.5X the number of miles. 

They had closed my card WITHOUT WARNING and done this. I understand it is their prerogative to close the account. However, they had advised me that they would be closing my bank account. I called the credit card company on XXXX XXXX XXXXXXXX and they said that no such action was pending on my credit card. 

I also asked for a PRO-RATED refund of my annual fee which was XXXX. Capital One said that I had exceeded the window for obtaining a refund. A window that of course applied to when the customer closed the account. NOT THE ISSUING BANK. 

I reached a representative over the phone and she had told me that all these actions were covered by the terms of my credit card agreement. The ONLY thing contained in the credit card agreement was the bank prerogative to close the account. Nothing else was stipulated about the rewards or the annual fee refund. 

I also have a travel credit of XXXX  as part of a price protection agreement that Capital One is not crediting to me. I was advised I would have to be a Capital One cardholder to use this, but since I was not the one that terminated the account, I should be entitled to this. Had I booked the flights with XXXX, I would have received the cash straighaway. 

When pressed, the representative continued to insist that these were all contained in my terms, which she was clearly unfamiliar with as she could not specify where in the terms those specific points were covered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My information was included in the XXXX, transunion, and XXXX data breaches which caused my personal information to end up in the wrong hands. I notice some inaccurate and incomplete accounts on my credit report that I were unauthorized that I need removed immediately. I know that information on your credit report needs to be accurate, but the accounts listed on my reports are not accurate at all. I also sent letters to XXXX, XXXX, and transunion more than 30 days ago and the disregarded my disputes and kept reporting false, incomplete and inaccurate accounts. this is hurting my reputation with the banking system and hurting my chances at getting approved for a home loan. I need all inaccurate accounts and inquiries removed now

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 2023-06-12 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Company : American Express Amount : XXXX Dates : Returned payments started around XXXX XXXX. I have statments. 

Description : Amex made changes and refunded already made payments for months back without my authorization. They did not notify, ask or in any way contact me and then refused to accnolidge or help when I repeteadly, since the charges occured, contacted them. 

They say I made charges of over XXXX} in XXXX month however that is not true as I never buy for more then I have in my account. 
The account payed with is my husband ( soon to be XXXX ) whom, without my knowledge cancled the card. I am the one who owns the card. He is the XXXX who authorized connection with his bank. 
He then managed to cancel my card AND got amex to refund the payments for months back to his account without me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: IN

Complaint narrative:
XXXX sent remission letter to XXXX XXXX and Capitol One to dispute two charges {$2400.00} and {$4000.00} on 2 credit cards. 
XXXX Capitol one sent letter stating goods were as described and I could dispute the charges by XXXX which I did and sent by fax with confirmation on XXXX. In that fax I included a copy of my letter of refunding, a copy of the registered receipt from post office and my dispute letter along with the letter from. On XXXX spoke to XXXX he said o needed to send all the info again amd include that we had cslked XXXX XXXX so I sent info on both cases again with fax confirmation. On XXXX I called again regarding crediting the monies back to my 2 cards. Spoke with XXXX @ XXXX XXXX She stated I needed to send copy of sakes purch agreement, how many tubes I had tried to contact XXXX and a second opinion. I asked how to I get a 2nd opinion on a company that scams people she then told me that was optional. I told her she had all that info and she stated they didnt have it on both cases which I know they did. So I asked how can I be assured that this can get to you for the third time and she told me she would send me two separate emails with the two cases that I could upload documents to. On XXXX I uploaded all of the documents west again and included what they were asking for. Additionally, for the third time and uploaded them to the email address that was sent and I have confirmation from both email addresses are the uploads that they received it. I also called back on XXXX @ XXXX XXXX and spoke with XXXX, and she said they had received them. On XXXX @ XXXXXXXX XXXX I spoke with XXXX for 33 min he had trouble finding all the docs so he transferrred me to XXXX. XXXX told me that I didnt file the appeal in time for the {$2400.00} charge. They finally credited back the {$4000.00} account, bit not the {$2400.00} stating I did t send everything in. I stated I sent the exact documentation on both cases so how do you have one and not all of the other. After being in the phone this time around for over and hour and asking to talk to a supervisor while Im at work I told her I would be contacting someone to help with this matter. I used 2 cards for one purchase and they credited 1 card back and not the other which makes no sense. I tried explaining to them even without all the documentation they wanted they are forgetting the fact that I was within my 3 day recession and should have been credited back immediately based on that. 

I am attaching a few files that were sent for both case numbers. I also have the email upload confirmation, but wasn't able to upload at this time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-12 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: FL

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense XXXX and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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 2023-06-12 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:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense XXXX and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: KY

Complaint narrative:
Citizensbank. Opened an online account and deposited {$510.00} on XX/XX/XXXX. After several days, was unable to log into the online account. Called Citizensbank and was transferred to tech support, which took an hour to answer. At this point, I was told the account was closed and that I would be receiving a check for the initial {$510.00} deposit within 10 business days. After 10 business days had passed on XX/XX/XXXX, I still had not received the check. At this point, I called and was told the account was not closed but that the bank had chosen not to continue business with me but provided no reason. I was told once again a check would most likely be coming. I was given no specifics on when that check would arrive or tracking information or anything. I was then told I would again not be able to get online access to simply withdraw my own money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-13 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX  of XXXX, all three credit bureaus were notified of an account that came from a collection agency that bought a debt in my name from a rental company. The rental company leasing office burnt down which caused files to get mixed up. The state of Tennessee paid that company with XXXX  funding on my behalf. Before I moved. I also informed them that was not supposed to be on my credit. They also told that they were in violation of 15 USC 1681. I contacted all three bureau via phone and mail, still no resolution.

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