vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-20 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: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
The last communication that I had with XXXX XXXX XXXX XXXX was a settlement statement and then the remainder of my deposit ( {$1000.00} ). This was after I vacated the property at their request ( which they breached the lease agreement ). XX/XX/XXXX  I checked my email and saw an alert from XXXX  that my points decreased and there was a collection account, when I logged in it was Transworlds System Inc, I called them and they said they were collecting on behalf of XXXX, again, the last communication from XXXX was my remaining deposit, and I had no communication with them afterward because my intent is to sue them for breaching the lease. However, I also had no communication from this Transworld company until the item appeared on my credit and I called them. The first time they ever made a phone call was XXXX after they were already on my report. Nonetheless, I do not owe Transworld or XXXX and in fact, I believe they owe me for breaching the lease damages for moving expenses, two months rent, utilities, and storage fees. These people have done great damage to my credit without any prior notices of so-called owed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: LEXISNEXIS
State: OH

Complaint narrative:
I retrieved a copy of my credit report from my credit report on XXXX XXXX and noticed addresses Ive never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: MA

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX, Account : XXXX, COLLECTION, 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. 

This account is fraudulent, I do not open any account with this company.

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 2023-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
COMPLAINT The account I am reporting is factually listed on my credit report incorrectly. The bureau is reporting file # XXXX, / Acct # XXXX, Original creditor XXXX XXXX, as a Auto Loan. This account was a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately. In addition, In accordance with the Fair Credit Reporting everything on my credit report has to be 100 % accurate. The Credit bureaus stated my account was properly investigated but how can that be possible when the balance on the count mentioned below is not accurate. This is grounds for immediate removal of this account from my report. Also, for the following reasons, my rights have also been violated : 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, states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c ( a ) ( 5 ) states ; no consumer reporting agency may make any consumer report containing any of the following items of information. I did not give any agency permission to share my personal information with XXXX XXXX XXXX. According to my credit report, the above account was noted as an repo. How can XXXX XXXX, report late charges for a vehicle they sold at auction? This is also, grounds for deletion of this account on my credit report. 
If this account is not removed within 30 days, I will hire an attorney and bring suit in the amount of {$5000.00}. This amount is {$1000.00} per each violation.

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 2023-05-20 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: LEXISNEXIS
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX XXXX XXXX Disputing Identity Theft Report XXXX Dear Sir/Madam, I am writing to dispute accounts that were opened onder my name. My personal information has been compromised, resulting in fraudulent accounts appearing on my credit report. I am unaware of and do not recognize the following fraudulent accounts : 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 I have taken immediate action to address this issue by notifying the relevant financial institutions regarding the unauthorized accounts. However, I believe it is essential to escalate this matter further and request a thorough investigation to rectify the situation promptly. 

I kindly request the CFPB 's assistance in investigating the extent of this identity theft and taking appropriate measures to protect my personal and financial information. It is crucial to identify the perpetrators responsible for this fraudulent activity and prevent any further damage to my credit and overall financial well-being. 

Enclosed with this letter, please find supporting documentation, including a copy of my credit report highlighting the fraudulent accounts, a police report numbered XXXX, as well as any other relevant information that may aid in your investigation.

I am committed to cooperating fully with the CFPB and any other law enforcement agencies involved in this matter. I understand that additional information or documents may be required during the investigation, and I am willing to provide any necessary assistance to resolve this issue promptly. 

Please keep me informed about the progress of this investigation and any actions taken to resolve the fraudulent accounts associated with my identity. I appreciate your attention to this matter and your commitment to consumer protection. 

Thank you for your prompt assistance in resolving this issue. I look forward to a timely resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: ID Analytics, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX XXXX XXXX Disputing Identity Theft Report XXXX Dear Sir/Madam, I am writing to dispute accounts that were opened onder my name. My personal information has been compromised, resulting in fraudulent accounts appearing on my credit report. I am unaware of and do not recognize the following fraudulent accounts : 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 I have taken immediate action to address this issue by notifying the relevant financial institutions regarding the unauthorized accounts. However, I believe it is essential to escalate this matter further and request a thorough investigation to rectify the situation promptly. 

I kindly request the CFPB 's assistance in investigating the extent of this identity theft and taking appropriate measures to protect my personal and financial information. It is crucial to identify the perpetrators responsible for this fraudulent activity and prevent any further damage to my credit and overall financial well-being. 

Enclosed with this letter, please find supporting documentation, including a copy of my credit report highlighting the fraudulent accounts, a police report numbered XXXX, as well as any other relevant information that may aid in your investigation. 

I am committed to cooperating fully with the CFPB and any other law enforcement agencies involved in this matter. I understand that additional information or documents may be required during the investigation, and I am willing to provide any necessary assistance to resolve this issue promptly. 

Please keep me informed about the progress of this investigation and any actions taken to resolve the fraudulent accounts associated with my identity. I appreciate your attention to this matter and your commitment to consumer protection. 

Thank you for your prompt assistance in resolving this issue. I look forward to a timely resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Equifax repeatedly has sent me numerous items in the mail to the XXXX XXXX XXXX ( see attached ) that is incorrect and has been closed since XX/XX/2023! Instead of addressing the actual problems that I'm disputing they keep sending me the attached letter in an effort not to fix the problems and to stall as they always do. I'm refusing to respond to these types of requests now or ever. I dispute through the CFPB for this reason because this bureau is notorious for not doing its job!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I can't receive credit card loans because of credit Score.

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 2023-05-20 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: FIRST PORTFOLIO SERVICING INC
State: MI

Complaint narrative:
I called revvi credit card company on XX/XX/2023, spoke to 2 different representative ask them how my payment was late and that I made my payment on time. The representative said he didn't see what I was talking about and I need to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the immediate removal of certain unauthorized inquiries listed on my credit report. Upon reviewing my credit report, I have identified multiple inquiries that are not attached to any active accounts. These inquiries are adversely affecting my credit score and overall financial profile.

I kindly request that you remove the following unauthorized inquiries within four business days, as they are not associated with any active accounts on my credit report : XXXX. XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX - Inquiry date : XX/XX/2023 XXXX. XXXX XXXX XXXXXXXX - Inquiry date : XXXX XXXX XXXX XXXX. XXXX - Inquiry date : XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX - Inquiry date : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/2023 XXXX. XXXX XXXX - Inquiry date : XXXX XXXX XXXX  XXXX. XXXX - Inquiry date : XX/XX/2023 XXXX. XXXX XXXX XXXX - Inquiry date : XX/XX/2023 These unauthorized inquiries do not correspond to any active accounts or credit applications made by me. Therefore, I am requesting their immediate removal from my credit report. I understand that unauthorized inquiries can significantly impact my credit score and future financial endeavors. As a responsible consumer, I strive to maintain an accurate credit history, and these inquiries do not accurately represent my creditworthiness. 

I kindly request that you thoroughly investigate these unauthorized inquiries and take appropriate action to remove them from my credit report within the specified timeframe. I appreciate your attention to this matter and your cooperation in rectifying this issue promptly. 

I look forward to receiving written confirmation once the unauthorized inquiries have been successfully removed from my credit report. 

Thank you for your prompt attention to 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
Consumer complaint received 2023-05-20 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 — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Name and social are different. I cant access any account. May have been victim of data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: WA

Complaint narrative:
I purchased a laptop charger on XXXX and it became defective shortly after purchase, heating up, not charging, heating up my computer, black goop leaking out of the electrical connection. I requested a refund from seller on XXXX who continued to insist to send a replacement. The seller removed the listing right after I requested a refund. 
XXXX blocked the refund and said it was too late although it wasn't. It was the last day to request. 

I contacted Capital One who received my complaint. They removed the entire credit charge for two items on that date rather than the discussed amount of just this one item. 
They then sent a letter stating the seller disputed. It was the other seller. 
They then charged me the amount back on my card for both purchases. 
Again, I contacted Capital One on the phone ( they refuse to allow written messages ). 
They sent me an encrypted email to upload all communication with seller and photos. 
I uploaded multiple times and site kept crashing. I finally succeeded to upload all documentation including screenshot of site issue. 

I received a letter yesterday XX/XX/23 that Capital One has decided that I should work with the seller and refused to honor that XXXX approximate refund for defective product. 

Capital One is charging 28.75 % interest rates. I am reporting them to AG office as well. 
They are not abiding by their credit card agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
This is to the second complaint filed with this agency over payments related to both my Capital One Credit Cards ending XXXX and XXXX this is related to the previous complaint # XXXX. 

I have made arrangement with Capital One to make a monthly payment in the amount of XXXX on the XXXX of every month for a total of 9 month which the first payment was to be made on XX/XX/2023 and another payment was made for XX/XX/2023 but made on the XXXX which a customer service agent not of the United States was informed. From XXXX and XXXX, XXXX  Capital One, despite having the agreement of the XXXX payment every month for 9 months has been sending me notices stating the account is behind and i have to make up the past due amount before XX/XX/2023 my account will be charged off. On the XXXX of XXXX I contacted Capital One stating this was incorrect and spoke to Agent XXXX XXXX XXXX XXXX to ask for a physical address to dispute my account. The agent began to place me on hold and later stated her Supervisor told her that she could not provide a physical address ( which could have been a XXXX XXXX XXXX to me to write a letter. this is a violation of the Fair Credit Reporting Act and the Fair Billing Act. 

This is the second time I have had to file a complaint based on my accounts with Capital One in which an XXXX XXXX  provided error or did would not allow me to make a payment ( reasonable ) to keep the account from being charge off. 

XXXX XXXX have prevented me from being about to protect my credit rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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:
In accordance with the fair Credit Reporting Act the list of accounts I have below also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX Original Creditor -- -- -- - XXXX Company Sold Account Type -- -- -- -- - Collection Date Opened -- -- -- -- XX/XX/XXXX Status -- -- -- - Paid in settlement. 
Status Updated -- -- -- - XX/XX/XXXX XXXX XXXX XXXX XXXX Original Creditor -- -- -- - XXXX XXXX XXXX  Company Sold -- -- -- - Account Type -- -- -- -- - Collection Date Opened -- -- -- -- -- XX/XX/XXXX Status -- -- -- -- -- Paid, Closed Status Updated -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX Removal Date XXXX Type -- -- - Credit Unions 15 USC 1681 section 602 A states I have a right to privacy. 

15 USC 1681 Section 602 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681 ( a ) ( 5 ) states no consumer reporting agency may report any items of items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( I ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable 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 2023-05-20 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:
In accordance with the fair Credit Reporting Act the list of accounts I have below also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX Original Creditor -- -- -- - XXXX Company Sold Account Type -- -- -- -- - Collection Date Opened -- -- -- -- XX/XX/XXXX Status -- -- -- - Paid in settlement. 
Status Updated -- -- -- - XX/XX/XXXX XXXX XXXX XXXX XXXX Original Creditor -- -- -- - XXXX XXXX XXXX Company Sold -- -- -- - Account Type -- -- -- -- - Collection Date Opened -- -- -- -- -- XX/XX/XXXX Status -- -- -- -- -- Paid, Closed Status Updated -- -- -- XXXX XXXX **** XXXX XXXX XXXX XXXX  Inquiry Date XXXX Removal Date XXXX Type -- -- - Credit Unions 15 USC 1681 section 602 A states I have a right to privacy. 

15 USC 1681 Section 602 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681 ( a ) ( 5 ) states no consumer reporting agency may report any items of items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( I ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable that the Information is inaccurate.

Company response to consumer: Closed with explanation