vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-25 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I filed a dispute concerning a {$210.00} charge from XXXX. I cancelled service with XXXX in XXXX and received a XXXX label from XXXX to return the modem, cord, and transmitter. All three were returned to XXXX on XX/XX/XXXX via tracking # XXXX and received by XXXX on XX/XX/XXXX as you can see from the proof of delivery. I had to call XXXX again on XX/XX/XXXX to find out why they were charging me {$210.00} ; they claimed they never received the transmitter, even though it was in the same box as the modem and the cord. You can clearly see the transmitter in the box in the photo I took when I packaged it up. XXXX assured me a refund would be issued. Instead, Citi reversed the conditional credit on XX/XX/XXXX and asked me to send in documentation supporting my dispute ; I sent Citi the photograph as well as proof of delivery on XX/XX/XXXX ; the document shows as being received by them in their " dispute center ''. I'm unclear what additional evidence would be required from them, and it appears to me that not only was zero investigation done on their part, but they also clearly didn't review the documents provided by me. I signed the letter requested by Citi and again sent the proof of delivery via fax # to them XX/XX/XXXX. I have been a card member since XXXX with Citi, and have had to waste hours now getting this resolved.

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 monetary relief
Consumer complaint received 2022-09-25 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
account was paid in full can i have it remove from credit report please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Once again they will not give me my credit report like the law says. I requested the report and this is what I got it's attached. How long do I have to go through this. It gives me no faith in there system and makes me believe that it's being manipulated to go against me. This is the third time at what point do someone step in. Telling me the condition that prevents them from giving me 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 non-monetary relief
Consumer complaint received 2022-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: NC

Complaint narrative:
Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. 

Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that PROCOLLECT , INC is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that PROCOLLECT , INC is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that PROCOLLECT , INC is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that PROCOLLECT , INC is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

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 2022-09-25 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: PA

Complaint narrative:
XXXX this is reference to this complaint number. MY NAME IS XXXX XXXX XXXX XXXX XXXX I AM A NATURAL PERSON AND A CONSUMER FILING THIS COMPLAINT. DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME. I RECEIVED A LETTER FROM EQUIFAX DATED XX/XX/XXXX. ATTACHED IS THE LETTER WHERE EQUIFAX IS IN VIOLATION OF THE 15 USC 1681 ( C ) ( 2 ) WHERE THE AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES THAT RESULTED FROM AN ALLEGED ID THEFT. 

THEY ARE REQUESTIONG FOR ID WHICH WAS SUBMITTED WITH MY FTC REPORT # XXXX RECEIVED ON XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: PA

Complaint narrative:
This is unbelievable. I already did this earlier in the year for both of these companies! 

XXXX XXXX continues to send a false collection to agencies seeking payment. 

They appear to have a fraudulent system in place to automatically start phone services on devices purchased from their website. 

In XX/XX/XXXX, I purchased a phone from XXXX XXXX. The device was returned, services were not activated, and credit for the purchase of the device was issued. An online account was never created, despite customer service representatives trying to force this in order for me to accept whatever terms, conditions and privacy policies they had. I refused. 

XXXX started the phone service for the device automatically and continued charging an account I did not create or authorize. This happened for months. I contacted XXXX and after hours of being transferred around, I was told the account would be closed and a credit issued. 

This did not happen. They continued billing this false account for a phone service never activated. Attempts to reach the XXXX billing department were useless. They would not answer calls being transferred to them. 

Then I received a debt collection with an amount even greater than when I was told the " false '' account would be closed and credited. More attempts to resolve with XXXX were a nightmare. The credit agency wanted proof and refused to investigate. XXXX was claiming they could not do anything now because the account was handed over to collection. 

After hours of being transferred from one team or supervisor to the next, eventually, a representative investigated and confirmed ( again ) that the device was returned, and services were not activated. Apparently there are notes when this was supposed to happen the first time I was told the account would be closed and credited, but it never happened. XXXX again told me the account would be credited and closed. She also sent me an email stating this, which I then forwarded to the first debt collector, XXXX. 

Now XXXX has sent the collection to another credit collection agency, CBE Group, again. They were the first group trying to make a collection. This is now the 3rd collection attempt between two different collection agencies being used to transfer a false debt back and forth! I filed a complaint here on XX/XX/XXXX which clearly has been ignored by XXXX and the debt collectors. 

This is full on harassment and fraud from the start. XXXX appears to have a system in place that automatically begins services that a customer did not authorize, simply based on a web purchase. Attempts to resolve are nearly impossible and now they are using debt collectors to send a false collection from one collector to another. 

I have lost many hours and days of my life chasing this issue which is going nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a XXXX XXXX XXXX account with Capital One with the ads saying if you keeps it for 90 days with {$20000.00}, you will earn a bonus of {$150.00} Well I opened it on XX/XX/XXXX and now XX/XX/XXXX way over the 90 days required, but no bonus. I called the bank twice, just to be told I just have to wait... maybe by XX/XX/XXXX I will get the bonus. 

This is not right and I am XXXX XXXX XXXX, please help. Thank you! 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consume rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX  XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 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 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Once again they will not give me my credit report like the law says. I requested the report and this is what I got it's attached. How long do I have to go through this. It gives me no faith in there system and makes me believe that it's being manipulated to go against me. This is the third time at what point do someone step in. Telling me the condition that prevents them from giving me my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: OK

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

In addition, accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A : states I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
I checked my credit karma a year ago and seen that I owe Capstone Credit & Collections {$5100.00} for the original creator name XXXX XXXX XXXX XXXX  XXXX I XXXX the creator and these are apartments in my city. For starters Ive never had an apartment Im XXXX XXXX XXXX. Second I was able to access a site a year ago that gives me a full credit report and I seen on there the year that account was opened was between XXXX, one of the four Im not sure what site that was to go back and check but between those years I was between the ages of XXXX and I believe in Florida you have to be 18 and older to rent or lease or own anything. Also Ive lived with my grandmother my entire life and those addresses should be documented several places like school, doctors office, mail, and more systems I can even provide you guys with all of the addresses Ive stayed at in my life. Ive never known anything about credit until I turned XXXX thats when I began to check to see hows mine doing just to find out theres debt that could possibly effect me and my wants and needs because someone used my identity for their wants and needs and thats not fair. I contacted Capstone collections directly I even sent a written letter to them and I was trying to follow up with them throughout the entire process and there was a lady that I spoke with that was being rude the entire call when I was asking questions she told me You know where this comes from and hung up in my face I was very shocked because thats very rude to tell me I know something my that I dont know anything about so I made a police report so they could investigate and get to the bottom of it but nothing else happened after that so I gave up for a while until I realized that false debt will affect me Im XXXX and still learning a lot of stuff. I also contacted the credit bureaus thats who gave me the number and site to report the debt and here I am now looking for helpful solutions. I believe this collection needs to be removed from my account because it is false and I can provide you guys with any information you may need to further assist me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize anyone to use my name or personal information to obtain funds, credit, loans, goods, or services or for any other purpose as described in my complaint. I did not receive and money, goods, services, or any benefit as a result of what happened in my complaint.

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 2022-09-25 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:
When I went to the Car dealership they said they were only going to pull XXXX and now I have multiple different inquires. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-25 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: FL

Complaint narrative:
On XX/XX/2022 XXXXXXXX XXXX, I sent several EQUIFAX executives a registered email with a signed and sworn Notice of Demand by Affidavit demanding that EQUIFAX removes all negative items from my credit report, including all hard inquiries and late payments within 24 hrs of notice. I never gave EQUIFAX permission to furnish my private transaction information, let alone create a credit report using my social security information. 

I have let them know they are violating several federal laws. They have yet to comply with my demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I filed a dispute with Wells Fargo concerning a XXXX XXXX ( XXXX ) transaction in early XXXX. Wells Fargo initially accepted my dispute, but then they closed the dispute in XXXX, stating that XXXX and XXXX denied the claim. However, when I contacted XXXX, the dispute was still open. So I sent a fax to Wells Fargo ( since there was no other way to contact them ) with the email thread from XXXX, where I asked Wells Fargo to reopen the dispute and hold the amount that is due until the issue is resolved with XXXX. Wells Fargo acknowledged received of my fax, but no further reply was received. The credit card payment in the amount of the dispute is due XX/XX/2022. 

Credit card account number : XXXX Amount ( transaction ) : {$1200.00} Dispute initially submitted to Wells Fargo : XX/XX/XXXX XXXX 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 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear, XXXX, XXXX, and TransUnion Consumer Solutions, Dispute Resolution Departments Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed/deleted in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX As required by the Act, I demand that you re-verify each of these items and that the inaccurate items be deleted from my record. 

XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$1300.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$190.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes a reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow  up with them directly. Thank you for your assistance in this matter.

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 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear, XXXX, Experian, and XXXX XXXX XXXX, Dispute Resolution Departments Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed/deleted in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items and that the inaccurate items be deleted from my record. 

XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$1300.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$190.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes a reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

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