vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I was with capitol one and was struggling to pay my capitol one bill. When I thought it was free money and its not u got ta pay it back thats my my father who is no longer with me who passed away told me not to have one and Im vulnerable to a lot of things I dont think clearly when I see good deals then I get in trouble for mishandling the credit card issue as im XXXX and dont have a ton of funds. Im XXXX and im different than others I dont think too much when I do things that are not ok. When I told the credit card company capitol one I couldnt pay it they wouldnt help me I had to dip into my ira account which costed me interest on my taxes I just thought they could wave the balance I had a rough time when my father passed away ever since then I havent opened up a credit card I will never do it again its just a bad habit wish they could have helped me out

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one violated my rights.

An accordance with fair credit reporting act capital one has violated my rights, U.S.C 1681 section 602 A, states i have the right to privacy.

U.S.C 1681 section 604 section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: TX

Complaint narrative:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$6700.00} XXXX XXXX  XXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX XXXX  XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$28000.00}

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 2023-04-02 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:
I did not provide the credit reporting agencies with written permission to report any of the attached accounts I am requesting them to be removed. This is a violation of 15 U.S. Code 1681b ( a ) ( 2 ). My credit card information ( SSN, ID, etc ) was shared without my written or expressed consent. All of the companies and entites listed used and shared my credit card information to create unauthorized charges and to open fraudulent accounts.This is a violation of 15 U.S. Code 1681s-2.

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 2023-04-02 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:
I did not provide the credit reporting agencies with written permission to report any of the attached accounts I am requesting them to be removed. This is a violation of 15 U.S. Code 1681b ( a ) ( 2 ). My credit card information ( SSN, ID, etc ) was shared without my written or expressed consent. All of the companies and entites listed used and shared my credit card information to create unauthorized charges and to open fraudulent accounts.This is a violation of 15 U.S. Code 1681s-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: PA

Complaint narrative:
As a federally protected consumer, Im aware thats youve assumed a vital role in assembling and evaluating information pertaining to me. Congress makes it known that I have a RIGHT TO PRIVACY as a federally protected consumer in which youve infringed upon without my lawful consent. Pursuant to 15 USC 1681, It is the purpose of the Fair Credit Reporting Act to insure that you exercise your grave responsibilities with fairness, impartiality in a manner which is FAIR AND EQUITABLE to me as the consumer! Inaccurate reporting impairs the efficiency of the banking system, weighs on my credit worthiness, and damages my character!

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 2023-04-02 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: PA

Complaint narrative:
As a federally protected consumer, Im aware thats youve assumed a vital role in assembling and evaluating information pertaining to me. Congress makes it known that I have a RIGHT TO PRIVACY as a federally protected consumer in which youve infringed upon without my lawful consent. Pursuant to 15 USC 1681, It is the purpose of the Fair Credit Reporting Act to insure that you exercise your grave responsibilities with fairness, impartiality in a manner which is FAIR AND EQUITABLE to me as the consumer! Inaccurate reporting impairs the efficiency of the banking system, weighs on my credit worthiness, and damages my character!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: PA

Complaint narrative:
TransUnion is continuously furnishing false information to my credit report intentionally tarnishing my reputation. 

On XX/XX/2023 I called TransUnion to inform them XXXX XXXX XXXX account # XXXX ( account ) is a fraudulent account. The agent told me the investigation would be launched into the account and to send in any proof I had. That same day I mailed the company a copy of the original contract, a letter from the XXXX XXXX XXXX stating the original creditor of the account refused to go to arbitration and a letter requesting TransUnion remove this account. 

The account should not be on my credit report. The contract I had with the original creditor is fraudulent. It was altered without my permission and the company is completely ignoring me. They are refusing to go to arbitration and will not answer any correspondence. 

TransUnion did not perform an investigation or reply to my letter. I sent another letter certified USPS mail tracking # XXXX. This letter reiterated everything I had stated on the phone with the agent and everything that was in both letters. See Exhibit A I have yet to receive any response from TransUnion and the account is still on my credit report. I can not find a place to live because of this. TransUnion is causing extreme stress and anxiety. I have no idea what I am going to do or where I will be living soon. 

I have exhausted all options to remedy this with TransUnion without legal measures but it seems I have no choice. This will be my final attempt before proceeding to federal court.

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 2023-04-02 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: PA

Complaint narrative:
I have attempted to have a blemish on my Equifax credit report removed. The inital creditor no longer holds the account. I have called the company and was advised although they no longer hold the account, it is still being reported. I have notified Equifax to request to have it removed because it is dated and can no longer be addressed by the initial creditor. Equifax denied my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I have attempted for years to have this student loan deferred and forbearance. As of last year I requested forgiveness because of the age of the loan. I am unable to go back to college to earn a degree to increase my living expenses. The school I was attending when I applied for the student loan was not an accredited institution.

Colleges that I have applied for are requiring proof of enrollment from the fraudulent institution. 
I am now almost XXXX XXXX XXXX with XXXX XXXX struggling to make enough money for health care and prescriptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
I was with Goldman Sachs bank under the Apple Card agreement anyways I had a hard time paying the bill I struggle with communication with people and was trying to get my balanced waived Im just wanted to get some help from the company and I got no help my father passed away last year and was super mad I had a credit card account with Goldman Sachs this company wont work with u and makes it hard to work withi just didnt have a whole ton of money and was struggling tremendously and they are poorly ran company if they would have helped me waive the balance I would been so happy I just dont know how to manage credit cards very well Im XXXX and Im permanently XXXX and struggle a lot I shouldnt have opened an account bad judgement

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-04-02 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2023-04-03 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
These accounts are hurting my reports. 
Please see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These accounts are hurting my reports. 
Please see attachments

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 2023-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I C systems is attempting to collect on a medical debt they erroneously acquired by XXXX XXXX XXXX XXXX NC, LLC but has refused to provide me with any documentation or proof of service. Before it was erroneously sent to collections, a false claim was generated for services which did not take place. The erroneous claim was also sent to my primary insurer, who partially paid for services that were not rendered and were submitted fraudulently. XXXX XXXX was attempting to bill for services that did not take place, successfully billed my primary insurance anyway, and then sold a fraudulent debt to IC Systems. There was no service and therefor no bill could have been generated without committing insurance fraud. This has been an ongoing problem with surprise billing, balance billing and insurance fraud in North Carolina, specifically with XXXX XXXX XXXX XXXX NC, LLC when they provide services through XXXX XXXX facilities. Additionally, XXXX XXXX XXXX, LLC did not contact me before selling this to collections, so I had no opportunity to correct the situation at the time of error on their part. I have requested itemized statements from both IC Systems and XXXX XXXX XXXX XXXX and they have refused to provide them unless I mail a letter requesting it. I have sent two letter to the address provided and both have been returned to sender as undeliverable.

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 2023-04-02 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: TX

Complaint narrative:
I am writing to dispute a fraudulent collection account that has been reported to my credit report by XXXX XXXX XXXX XXXX, doing business as XXXX. The account in question has the account number XXXX and the original creditor listed as XXXX XXXX XXXX. 

I believe that this account is fraudulent and the result of identity theft. I did not open this account or incur the debt associated with it. I have already taken steps to report the identity theft to the relevant authorities and have filed a police report. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and remove this fraudulent account from my credit report as soon as possible. I am also requesting that you provide me with written confirmation that this account has been removed from my credit report. 

I have attached supporting documentation to this letter, including a copy of my police report and any other relevant documentation. If you require any further information from me, please do not hesitate to contact me. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/1975

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 2023-04-02 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: TX

Complaint narrative:
I am writing to dispute a fraudulent collection account that has been reported to my credit report by XXXX XXXX XXXX XXXX, doing business as XXXX. The account in question has the account number XXXX and the original creditor listed as XXXX XXXX XXXX. 

I believe that this account is fraudulent and the result of identity theft. I did not open this account or incur the debt associated with it. I have already taken steps to report the identity theft to the relevant authorities and have filed a police report.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and remove this fraudulent account from my credit report as soon as possible. I am also requesting that you provide me with written confirmation that this account has been removed from my credit report.

I have attached supporting documentation to this letter, including a copy of my police report and any other relevant documentation. If you require any further information from me, please do not hesitate to contact me.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/1975

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: TN

Complaint narrative:
In accordance with the fair credit act The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX XXXX Account XXXX XXXX, Account XXXX  XXXX XXXX XXXX, 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 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 2023-04-02 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: TN

Complaint narrative:
In accordance with the fair credit act The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX XXXX Account Number XXXX, Account XXXX XXXXXXXX XXXX XXXX, 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 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 explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
My information was compromised a while back and every since then i have had trouble opening bank account and getting denials

Company response to consumer: Closed with explanation