vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
We tried to use card for online purchase and card was rejected for over limit, only the purchase was for {$1800.00} and the available credit was {$2300.00} and then they restricted my account AGAIN. When I called, I was told that I needed to wait 7 to 10 days AGAIN for a specialist to call me. I have been told this multiple times before and have yet to have anyone reach out to me.

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: EQUIFAX, INC.
State: LA

Complaint narrative:
According to 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer report these accounts are in violation any credit transaction supposed to be excluded from a consumer credit report if a social security was used in the transaction. I never gave you anything in written consent to report anything on my consumer reports, no consent is fraud. Misleading False reporting and inaccurately reporting means you are failing to comply to 15 USC 1681. I demand these accounts be deleted immediately!

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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
3 nsf fees on XX/XX/XXXXXXXX XXXX XXXXXXXX. due to a {$10.00} retry payment 2 nsf fees on XX/XX/XXXX XXXX XXXXXXXX. due to a {$10.00} retry payment 1 nsf fees on XX/XX/XXXX XXXX XXXXXXXX. due to a fraudulent charge and they wouldnt let me dispute it. 


This bank refuses to work with us despite current financial difficulties due to my spouses employer refusing to pay due to the business being out of money. I tried to explain our situation and requested they work with us. They stated unless its a merchant or credit union error they will not work with us. I reviewed their user agreement and this is not listed anywhere. All that is listed is : What fees will I be charged if XXXX pays my overdrafts? 
No fees are associated with the transferring funds from savings or XXXX. For each Courtesy Pay transaction, there is a fee charged per transaction. There is no limit on the total fees we can charge you for overdrawing your account. 

In the past few months they have stolen hundreds of dollars in fees from our account.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, and XXXX XXXX  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 an account without my written instructions.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I rented an apartment via XXXX XXXX in XXXX MD, I agreed that the debt was owed, I paid {$1300.00} of the debt and the remaining {$4600.00} on XX/XX/XXXX. I submitted proof of payment for the {$4600.00} by submitting my bank statement to XXXX Compliance Department in XXXX and again on XX/XX/XXXX. I also disputed this item with XXXX XXXX as well, XXXX XXXX did not ask me for any supporting documentation and refused to removed the debt based on the feedback from XXXX. I am requesting your help in getting this item removed. 

This item on my credit report is keeping me from being able to rent homes/apartment thus leaving me in a position to be 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 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: VA

Complaint narrative:
XXXXXXXX XXXX  SXXXX is being reported as discharged through bankruptcy which is false. My student loan were never included in my bankruptcy.

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: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: PA

Complaint narrative:
On Saturday XX/XX/2022 whole checking my credit report I noticed a drop in my score. With further research I came across a collection company that I had no previous interaction or knowledge reporting falsely on my credit. I have no way of contacting this company because no letter or phone call have been placed to contacting me. So I went on the internet searched the company called the number got no contact.. Thats when I contacted the police and filed a complaint of fraud XX/XX/2022 that I put in the photo.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX  # XXXX was paid in FULL on XX/XX/2022. I requested that said loan reflect as paid in full to Experian. XXXX XXXX responded to Experian that there is still a balance. I contacted XXXX XXXX and XXXX XXXX at XXXX XXXX sent me an email confirming said loan is paid in full. I forwarded said letter/email to Experian and XXXX XXXX responded to Experian, still saying there is a balance of {$16000.00}. 
This has been a hardship when trying to secure other financing. I was NOT happy with their company practices and chose to pay them off. They don't do same day payments, so they can collect an extra day interest. They make it difficult to pay with another checking account ( need a voided check mailed to them ) again to earn extra DAYS of interest. The list goes on.... 
Today, again I contacted Experian and they said all I can do is keep disputing??? But they said they will forward said letter indicating account paid in full with another dispute.

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: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I will have to AGAIN go back & research exact dates- so just now giving an estimate of time frames. Capital One has FAILED to post my payments to my credit account & made at least 3 errors in regard to that.Approx. in XX/XX/2022, I noticed that money orders sent were NOT posted to my account. I had sent from memory the full amount due to pay off the existing balance & allowed for some interest on this {$500.00} balance account of which I had for about 7 years.Never being over the limit & always paying on time by money orders.I have my receipts & have paid extra prior to even getting the monthly statements because I wanted a XXXX balance.Now I will have to dig thru my papers AGAIN. One payment was for {$370.00} & I believe another one for about {$40.00} of so- will have to look-I contacted Capital one & spent much time on this & gave the money order receipt number & the person stated he would investigate. This money order had been cashed earlier. Then on XX/XX/2022, the {$370.00} plus {$1.00} in interest was applied to my account.My Father was buried in XXXX & my XXXX on XXXX XXXX so I did not have the time to check on the smaller money order. On my next statement on XXXX I sent in $ XXXXThen a few days I checked to see the balance as I wanted to pay it in full & the recorder stated that I was over-the- limit by {$260.00}. I immediately contacted Capital One AGAIN & found out that they had pulled the {$370.00} on XXXX, & caused this situation with NO NOTICE AT ALL TO ME & now DEMANDING payment from me & a balance of {$760.00} immediately.I am so mad l & upset about this & stated for them to close this account & correct this asap. I am writing them a letter today with receipt copies enclosed & cutting up this card & NEVER want to do business with them again.Please assist me in getting my payments applied & they should give me compensation for their 3 time errors & especially during this sad time of my XXXX XXXX XXXX life. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Resurgent Capital Services, is sending me a lot of letters saying that I owe them for debt that was paid. They sent me a 22 year old bill stating that I owe them for an account that I never opened, and they are trying to collect money from me on an account that I asked them to validate and they refused to send me the information, but they are still reporting negative information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Placement Services, LLC
State: IL

Complaint narrative:
Made arrangements with hospital to pay outstanding balance, which I am currently paying. Rather than consolidate all outstanding bills which are in the same facility, they have turned some of the bills over to a collection agency. I am a senior on a fixed income and am trying to rrepay.

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: Experian Information Solutions Inc.
State: GA

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. These are the items I demanding to be deleted immediately : Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

Validate Account XXXX XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is to inform all credit bureaus and collection agencies what the law requires of the information I have required from my Credit report you Needs to provide me with that verification of each negative item showing in my credit report The items I requested is inaccurate not completed. I need all to be verified accurately TransUnion XXXX XXXX. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is to inform all credit bureaus and collection agencies what the law requires of the information I have required from my Credit report you Needs to provide me with that verification of each negative item showing in my credit report The items I requested is inaccurate not completed. I need all to be verified accurately XXXX Equifax XXXX. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXXXXXX ACCOUNT # XXXX, XXXXXXXX XXXX XXXX  ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXXXXXX XXXX XXXX  ACCOUNT XXXX 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 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXXXXXX ACCOUNT # XXXX, XXXX XXXX  XXXX ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX 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