vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have received several letters in regards to a collection from XXXX XXXX XXXX XXXX XXXX XXXX ). I noticed a few inaccuracies in these letters. This is addressed to XXXX XXXX XXXX but the original account belongs to XXXX XXXX. My name is XXXX XXXX XXXX Not the name listed on the account/letter. I am also disputing this because my consumer rights have been violated. I was informed that collectors can not contact consumers, 15 USC 1692c ( a ) - Communication in connection with debt collectors. I have received MULTIPLE letters in regards to this inaccurate account which leads me to the next violation. I feel as I have been harassed, 15 USC 1692d states that collectors are not to harass consumers. I currently reside in XXXX, TN. This collection agency is in XXXX, IL. This is considered another violation, 15 USC 1692b ( 2 ) acquisition of location. PLEASE remove this account so I will stop being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
I owe XXXXXXXX XXXX {$1200.00} because of unpaid membership fees, even though I attempted multiple times to cancel. They told me I could not cancel, they will still charge my card and threatened me saying if I dont pay my credit will be destroyed and once collection comes after me theres nothing they can do to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA

Complaint narrative:
hello i saw i have a collection from ars account resolution but i do not owe this company any money i don't have a contract with this company i request they delete off my credit report asap per HIPPA violation and FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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:
Unauthorized Credit Inquiries In accordance with the Fair Credit Reporting Act, 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. My legal rights have been violated. Due to this violation this account must be removed from my credit report immediately. 



In accordance with the Fair Credit Reporting Act, 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. My legal rights have been violated. Due to this violation this account must be removed from my credit report immediately. 


In accordance with the Fair Credit Reporting Act, 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. My legal rights have been violated. Due to this violation this account must be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11 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: TX

Complaint narrative:
Unauthorized Credit Inquiries In accordance with the Fair Credit Reporting Act, 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. My legal rights have been violated. Due to this violation this account must be removed from my credit report immediately. 



In accordance with the Fair Credit Reporting Act, 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. My legal rights have been violated. Due to this violation this account must be removed from my credit report immediately. 


In accordance with the Fair Credit Reporting Act, 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. My legal rights have been violated. Due to this violation this account must be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11 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: CAC Financial Corp
State: GA

Complaint narrative:
I was staying with family in XXXX Alabama in XXXX of XXXX I had health insurance at my home state of Illinois. I went to the XXXXXXXX XXXX  at XXXX XXXX XXXX XXXX. I gave my insurance ( XXXX XXXX XXXXXXXX XXXX ) information to the administrator on duty at the time of care and again two or three more times over the phone once they began billing me. After being turned over to CAC Financial collection agency. I engaged with them on two occasions to give them the same information and to let them know this was not a valid debt. This has now gone on for over 18 months with no end in sight. I dont believe the insurance will accept a claim now that this much time has gone by. This is solely the fault of the administrative staff of the hospital and the complacency of the collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: DISCOVER BANK
State: CA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. 
I need to correct credit bureaus ' errors and update my records. Here is the account that must be corrected. 
DISCOVER BANK XXXX XXXX  : {$560.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Reached out to all creditors about the accounts for over a year have not gotten any resloution ask creditors to send the orignal contract and provide verfication for the last year I still have not gotten any information from the creditors aslo filed disputes with all three credit companies such as XXXXXXXX XXXX XXXX. All creditors are reporting in accrate information on 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 2023-03-11 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: GA

Complaint narrative:
I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$5000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX : {$700.00} ; XXXX  XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2900.00} ; XXXXXXXX  ( Original Creditor : XXXX XXXX GA ) XXXX XXXX : {$660.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
It was in the understanding that Capital One would not assess any late fee charges if I paid account as agreed on time which I have and was assured by the representative. Now they are going back on there word and assess late fee charges of {$26.00}. In XX/XX/XXXX. The charge is in error because I paid by account balance at the time it was due. I specifically asked the account representative if the payment was on time she confirmed that it was and that I would not be assessed any late payment charges to my account. 
I was informed by Capital One on XX/XX/XXXX after receiving and activating my new charge card that I was assessed a late charge by Supervisor Account Representative that there was a charge of {$26.00} assessed to my account due to late payment. I explained to Supervisor that the prior representative whom I made my timely payment on XXXX XXXX XXXX  informed me and assured me that there was no late charge payment assessed. I asked him to please review the recording and if we could review together for accuracy and supervisor informed me there was nothing he was going to do about it. There was no empathy from supervisor and he was unable to help me and was ready to hang up and stated if I did not like it I can take my business elsewhere. Then was told with this kind of account being that it being a secured account there is no courtesy to be given to which made me feel less than offensive veiled comments to a card holder. I was also told by supervisor that I was denied information as to the recorded call due to the fact that was Capital One proprietary information and that I could not listen to my own call that I authorized to be taken. I then asked where in the Capital One policies and procedures that I could go to read and review as to why I am being denied this information. I then requested to be able to speak with another manager or someone from the corporate office and he very rudely stated he was the highest level and made me believe that there was no one else. At this point I let him know every organization has management and/or a corporate office, extreme unprofessionalism. At that point I asked if this call was recorded for accuracy and was informed that it was so I would like both calls reviewed. I am beginning to believe that this type of behavior is typical of Capital One. I think this supervisor was incredibly offensive, insulting and discriminative towards me. I must insist that this complaint be investigated to the fullest extent possible. I also request that the results of this investigation be sent to me so that I might personally review the findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
A former friend of mine mislead me and used my private information to take out a loan at XXXX XXXX & open a credit card in my name at XXXX  in XX/XX/2023. I was not at XXXX  in person to authorize this yet it was still approved. They had access to my email along with other personal info. {$7000.00} at XXXX  & {$6000.00} at XXXX XXXX. I spoke with a supervisor at XXXX XXXX but they are not being helpful. I disputed on my credit report but both were denied. This has been causing me mental distress and I really need this resolved. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
False reporting XXXX credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: OK

Complaint narrative:
Incorrect information on 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 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
All 3 credit bureau have about 20 inquiries that was not through me allowing any of the companies that applyed hard and soft inquiries to my credit reports I'm not familiar and responsible for any of them listed I have lost my wallet while back along with my sec inside it seems to me they was done by someone claiming to be me are used my info I tried disputing all them and get nowhere with it I would like them all deleted asap please making my score look very bad please help me

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 2023-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Currently all of thee funds in my checking account are available, but the bank didnt release my account and they have issues a hold on my account, they placed a hold and frozen my money, so Iam not able to make any transaction or withdrawl any of my money. The bank did not takes any actions to help me solve this issues, currently, the bank frozen all of my money in my account and stop me to makes any transactions on the account and lastly they also knowify me that my account will be closed and once they finished the reviews, the funds that remains on the account will be sends to me in a check but they either didnt mentions or gave me a date when will they finished reviewing the account, I have try to communicated so many times with the bank also going to the branch in person, no any actions the bank have done by the time now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: VA

Complaint narrative:
I made a purchase back in 2022, and I was told to try to work it out with the merchant and I have been trying to do so. I have spent a total of over XXXX XXXXhrough XXXX. and I have been going back and forth with them, and it seems as though they were stalling. I had no choice but to report back when they tried to close out the resolve after each person has been stalling. When I called back and had Captial one put in my dispute, the guy had me on the phone and filling getting ready. Capital one sends suppose to be secure links and then the links don't work, had me spend three days sending out fax and calling them while waiting for them to turn on the fax machine. I have over 8 to nine transactions slip and the rest were left at the fax location. Then I spent the money to send it through mail as told. So, today I tried the links again to show the transaction slips, etc, but the system kept kicking me out. Then I see the credit back reversed and called to see what the problem was. They told me I passed the deadline of over 120 days, saying that I should have been told. This is after being told to work with the merchant as much as possible, I did thinking after all the proof I sent videos, etc they would just give me my stuff, and pay me back for all the broken stuff. This has upset me dearly becaues Im out with all the broken stuff given to me, missing part of my order with a proof, and the entire package that I put in the mail cuz the papers would not all go. If that's the case why did they waste my time? I want either my money back or my product. They don't have the full package cuz it's in the mail. Nothing was working properly no matter how many times that I tried calling and letting them know. No one was near that fax and everyone is working from home, which is not providing proper help. I have just been cheated completely. You don't get your stuff to after 45 to 50 days after you pay cuz it has to come on a boat from China.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Bank has closed my account 4 months ago, yet I haven't received my check for {$10000.00}. They shipped out the check, however it was lost and I never got it. I called for 2 months every 3 days and they kept saying they will issue out a new check yet they haven't. Every time I call it's the same story, we sent a notice to the back department. I'm sick of it and will be filing a lawsuit if it's not given to me by XX/XX/23. Bank withheld funds past 120 days!

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 2023-03-11 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: SC

Complaint narrative:
This is my NUMEROUS 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$5500.00} ( Original Creditor : ) XXXX Balance : {$80.00} ( Original Creditor : ) XXXXBalance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-03-11 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: SC

Complaint narrative:
This is my NUMEROUS 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX AV XXXX, GA XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$5500.00} ( Original Creditor : ) XXXX Balance : {$80.00} ( Original Creditor : ) XXXXXXXXBalance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: MI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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