vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-18 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:
In accordance with the Fair Credit Reporting Act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: AVANTE
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX # 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 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 and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One 360 bank allowed for transactions to be approved by unauthorized users. I was at my home in XXXX during the times that charges were made to my account in XXXX and so far I have found two names that do not have authorization to use my card. One was " XXXX XXXX '' and the other was " XXXX ''. The first one made a reservation at a casino/hotel and when i called them they sent me an email appologizing saying that it was indeed a fraudulent charge. There were other charges approved for a Helicopter tour to the tune of {$1200.00}. Along with that the rest of the charges were for dinners, XXXXXXXX XXXX XXXX XXXX XXXX 

When I call CapitalOne to dispute the charges they told me it would be 10 days for them to investigate. When that ten days were up they denied my claims of fraud saying that it was in line with my spending habits. I do not use other people 's names when I charge my credit card. Also, i have provided them proof of my whereabouts during the times of the transactions. I actually have a charge on my account that happened at the same time whoever stole my card number was in an XXXX in XXXX. They have been absolutely rude and obnoxious to the point that when I said I will be leaving the bank the Customer Service supervisor said, " Whatever '' I am currently tracking down and reporting these fraudulent charges to the vendors that were on the transaction list. I still have not received any money back from the bank that let someone, who was NOT me use my card fraudulently. Please feel free to contact me for more information as it is a lot to type up. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18 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:
In accordance with the Fair Credit Reporting Act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18 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: Navient Solutions, LLC.
State: WI

Complaint narrative:
On XX/XX/2022, Navient reported to XXXX that my student loan account was more than 100 days past due. 
1. Navient, at the time, was not the servicer of my student loans, having been terminated by US D of ED for savaging borrowers ; 2. No student loans were due in the 100 days prior to, by order of POTUS ; 3. Navient, prior to their report, and due to # 2, denied me access to their payment portal because of # 1 above. 

My credit score moved from XXXX ( excellent ) to XXXX ( fair ) effectively walling me out of affordable credit. My credit score should not reflect late payments from a company that was not the creditor, for payments it refused to accept, and for a loan portfolio that is not theirs. Navient should be held financially liable for this malicious and capricious " parting shot. '' US D of ED advised me to work it out with Navient, a bit like going back to the mugger to beg your wallet back. XXXX advised that Navient has assured XXXX  everything is AOK. 

Navient, at the time, was not the servicer, no payments were due, and Navient had actively and deliberately blocked me from making payments for more than 100 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I am disputing this account and need verification as to my correct address, time of opening account, last activity on account, excessive interest and fees, please investigate 100 % entirely. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: TN

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
- IKEA Credit Card Auto Pay unenrolls automatically without informing the customer.

- IKE Credit Card charged late fee and late fees for late fee and charged interest for late fees. 

I have been trying to setup IKEA Credit Card 's automatic payment for some time without any success. I set up the automatic payment several times online in my account. It looked liked it was successfully setup. But then it unenrolls me from automatic payment and I was charged late fees. It happened several times. 
On XX/XX/2022 I found out that the automatic payment was unrolled and made payment manually 2 days after the due date which was XX/XX/2022. I paid the full balance. However, I didn't know that a late fee of {$40.00} was charged on my account. 
When I checked my account in XXXX IKEA Card charged late fee and interest on the late fee. I disputed the charge on XX/XX/2022 and talked to XXXX with ID XXXX. He could wave only one of the late fees. I still think that I shouldnt pay any fees since its automatic payment unrolled itself. I asked him to check this issue. I also talked to XXXX at IKEA Card 's dispute center. Noone could take care of the automatic payment issues. I disputed the late fee and interest charges on late fee. I also requested IKEA Card to fix its sissues with Automatic Payment.

I talked to manager XXXX on XX/XX/2022 at XXXX. XXXX finally admitted that IKEA Credit card unenrolls from auto pay as soon as there is no balance in my account without informing the customer. 
I think this is unfair practice. 
Please investigate. 
Thanks,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-18 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: U.S. BANCORP
State: CA

Complaint narrative:
I am an authorized user for a USBank credit card. They took my social security number when I was added to the account, although I'm not financially liable for the account. USBank is reporting to the three credit bureaus and this is negatively impacting my credit. I was recently declined for a credit card as a result. The only credit card I have a high balance on is this card and my denial letter stated, " The number of credit card accounts on which, in our estimation, you have not paid a majority of the balance in recent months as indicated in your credit report. The balances on your credit card accounts are high in relation to their credit limits, as reflected in your 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 2022-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
I am disputing this account as my address being wrong, inaccurate information as to the opening date, and last activity date, also the interest is excessively high.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Company has not looked over credit dispute and has not responded to dispute is has been over 30 days and there has been no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Company has not looked over credit dispute and has not responded to dispute is has been over 30 days and there has been no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
My father died on XX/XX/XXXX which we reported to the bank within three business days. On XX/XX/XXXX, 5/3 Bank placed a hold on a deposit by the XXXX. On XX/XX/XXXX, I attempted to close the account and became aware of the hold which caused me not to be able to close the account. 

On XX/XX/XXXX, I became aware that 5/3 Bank was still holding the payment and they were now charging a fee on the account. 

When contacted, 5/3 Bank finally acknowledged that they were holding the payment, that they had been holding the payment for almost 2 years and that they should not have charged the fee. 

They removed the fee, but are continuing to hold the payment until - at a minimum - XX/XX/XXXX some 2 years and one day after placing the hold. 

My complaint is with regard to the violation of federal requirements for holding deposits in excess of seven business days and the failure of the bank to resolve the situation when it was reported to them in person on XX/XX/XXXX. 

My mother and I appeared at the bank in person even though I have co-ownership of the account and durable power of attorney as the bank has previously required her to appear in person to handle other matters. 

The Account Services Representative consulted with the Branch manager and then refused to close the account or to release the hold in XXXX. I was instructed to contact the Social Security Administration to have the hold released (! ), and told that I could not pursue the issue further with 5/3 until they actually began charging me a fee as they asserted to me that the matter was being " looked into '' and that I was not being harmed as they were not actually withholding any funds. There was just a hold on the account. 

To be clear, 5/3 Bank was withholding access to a payment in the approximate amount of {$1800.00}. 

I contend that withholding funds rightfully belonging to my family and preventing my Mother from depositing the funds into an account which would have paid interest - or using the funds to pay debt if she had any - is absolute harm and is a violation of our consumer rights. 

I am additionally convinced that 5/3 Bank does this routinely and has placed similarly situated families in the same position.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: MO

Complaint narrative:
On XX/XX/22 I received a request for payment from TRS Recovery Services , Inc for {$120.00} for a purchase made at XXXX XXXX XXXX XXXX paid for by check # XXXX ( Dummy check # ) Drawn from an account at XXXX XXXX  XXXX XXXX XXXX XXXX, MO contacted XXXX XXXX  XXXX XXXX XXXX XXXX account found with my name. XXXX XXXX verified the check at point of purchase ( unbelievable ). I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX investigate the matter at, XXXX ( XXXX ) XXXX, never heard back from them. I contacted TRS Recovery Services XXXX XXXX and received a dispute form which I completed and mailed it back to them. On XX/XX/22 I received a TRS Forgery/Identity Theft Declaration, completed it and mailed it back to them along with all the information I had found to substantiate my claim of fraud/identity theft. The information regarding this matter was given to me by XXXX XXXX, XXXX ( XXXX ) XXXX and XXXX XXXX  XXXX XXXX ( XXXX ) XXXX and through my own investigation.

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