vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CFPB, I would like to disclose there has been XXXX and lack of disclosure which has led to the Revocation of my XXXX. I would like to formally revoke, rescind, and repudiate my signature on the original application presented to Capital One and demand the cancellation of our agreement, pursuant to XXXX XXXX. 

It has come to my attention that the original application, on which I provided my signature, was fraudulent on its face due to the lack of full disclosure. The application failed to inform me that Capital One was providing me with " bank credit '' out of thin air. Had this fact been disclosed, I would have been aware that the element of consideration was missing from the contract, and I would not have entered into the agreement. 

I want to emphasize that fraud has no statute of limitations, and its presence vitiates every contract agreement. In light of this, I hereby demand that your bank cancels our agreement and return to me every dollar of my labor, along with all interest I have ever paid to you for the duration of the agreement. 

Furthermore, I will personally contact the vendors with whom I have outstanding debt for the products or services I purchased from them that are not under dispute. I will make arrangements with them directly to cure the debt within a reasonable time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-07-06 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: CA

Complaint narrative:
I have submitted multiple disputes across all XXXX credit bureau 's and have not received a response. it has been 3 months since I filed my initial complaint. All I ask is that these fraudulent transaction be investigated and deleted from 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 2023-07-06 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: CA

Complaint narrative:
I have submitted multiple disputes across all XXXX credit bureau 's and have not received a response. it has been 3 months since I filed my initial complaint. All I ask is that these fraudulent transaction be investigated and deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
XXXX sent my balance to collections. Veteran affairs was supposed to cover the cost of that semester through the GI bill. I cant control what, when XXXX how the VA operates. The VA delayed notifying anybody that my benefits had been exhausted until well after the semseter ended. XXXX then attached an additional {$370.00}. Of interest. I explained it was not my faultamd i am having a financial hardship. They then proceeded to send it to collections DESPITE me making payments directly to the school.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc.
State: WA

Complaint narrative:
This DEBT COLLECTOR company sent me a letter, stating that I owe {$1500.00} which I am disputing because this debt isn't mine. I have asked this company to sent more information about this debt. I am requesting XXXX. I would like to see a copy of the original purchase agreement showing that this company legally own this debt by the original creditors. 

I would like a copy of all statements from open to close of this account. 

I want to see a copy of the bond that shows you're legally registered in my state. 

I am not receiving the information I am requesting. I dont know anything about this account. It has my name, however, it's a few names like mind that was in the house. please send me a copy of the bill or statement with my signature. I need more then a printed bill with NO signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MT

Complaint narrative:
O did an online transfer of XXXX dollars on XX/XX/XXXX of 2023 to my XXXX account from my USAA account and they transferred the money to XXXX XXXX. They denied my dispute amd stiffed me for XXXX. This is not right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
On XXXX XXXX, 2023, Collection Management Company, opened a collections with the credit bureaus in the amount of {$1900.00} for supposed emergency services. I have no knowledge of this account, and insist most stringently that this account does not belong to me. On XXXX XXXX, 2023, I filed a dispute with XXXX Credit Bureau. On XXXX XXXX, 2023, I filed an additional dispute to include " fraud. '' My suspicion is that there is someone who is periodically receiving emergency services while using my name and personal information. My suspicions are supported by the fact that this has happened on XXXX other occasions for supposed " emergency services, '' whereby I filed disputes. My disputes were validated, and the instances were stricken from my credit report due to them not belonging to me. 

I have never received any collection notices, nor have I received mail, phone calls, or any other attempts to collect this debt. The first I learned of it was through my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: NY

Complaint narrative:
I disputed these accounts with XXXX Department of Education many times.The last time was XX/XX/2022. My name info is incorrect as well. My address is incorrect too.On XX/XX/2022 I put a fraud alert to secure my credit file. XXXX XXXX XXXX XXXX XXXX premier bank, XXXX XXXX XXXX river bank XXXX XXXX XXXX XXXX A collections account XXXX XXXX XXXX XXXX bank. XXXX XXXX XXXX XXXX XXXX XXXX prime investment. I have disputed with all these accounts they do not belong to me, please. 
Remove. In accordance with the Fair hearing Reportingmay make Act XXXX XXXX XXXX Section XXXX A states I have the right to privacy. 
15 USC 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without any written instructions.

15 USC 1681 ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any adverse line of information other than records or condition

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 2023-07-06 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: NY

Complaint narrative:
I disputed these accounts with XXXXXXXX XXXXXXXX XXXX XXXX  many times.The last time was XX/XX/2022. My name info is incorrect as well. My address is incorrect too.On XX/XX/2022 I put a fraud alert to secure my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX A collections account XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have disputed with all these accounts they do not belong to me, please. 
Remove. In accordance with the Fair hearing Reportingmay make Act 15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without any written instructions.

15 USC 1681 ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any adverse line of information other than records or condition

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 2023-07-06 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: FL

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
XXXX, and XXXX continue to report false information in : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

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 2023-07-06 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I asked Experian to assure maximum possible accuracy to multiple inaccurate accounts reporting on my credit file. Despite my efforts, Experian has failed to conduct a reasonable and fair investigation that these accounts are 100 % accurate. The lack of response has caused me significant harm to my financial reputation and XXXX XXXX. I greatly appreciate your attention to this matter and assistance you can provide resolving the inaccuracies in 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 2023-07-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My name is XXXX XXXX. My wife XXXX XXXX XXXX and spent XXXX XXXX  in the XXXX, and has been in and out of XXXX and XXXX XXXX XXXX XXXX As if that wasn't enough, we had a house XXXX this year and have been displaced from my home and moved. 

In XXXX, Capital One bank acquired my existing BJs mastercard credit card account from XXXXXXXX XXXX which had a {$0.00} balance, right around the time that my BJs annual fee was charged. 

Capital One turned off my autopay when they bought the account. They changed my card number. And they started charging me late fees and interest because the {$55.00} annual fee that was immediately charged was not paid. 

They turned off my autopay and changed my card number. I have been busy dealing with the XXXX and my wife 's care. I did not realize this was a problem until I got a credit monitoring alert this week showing a delinquent account with capital one, a bank I did not use. I suspected fraud and investigated. I found that nobody stole my identity but that the bank itself has perpetrated a fraud on me. 

I recently got ahold of some of the missing mail and found the new cards they sent, called capital one, and asked them to waive off the late fees that they caused by turning off my autopay and migrating the account. 

The first representative I spoke to was very understanding but was only able to waive some of the fees. I asked for all the fees to be waived, because Capital One caused this entire situation by acquiring my account, turning off autopay, and billing me so many late fees and interest on one {$55.00} annual fee charge. Today, XX/XX/23, was the first date I found out I had a capital one card or that it had over {$100.00} of junk fees added to it that they will not remove. I spoke by phone to a supervisor who confirmed they could or would not waive the fees. I am speechless. 

These fees are illegitimate. Capital One created them out of thin air. I had autopay. I had an existing account that was always paid on time and had been paid in full. I did not use the card. I did not activate the card. I did not receive the card until now. I did not even agree to be a capital one customer. I never applied with Capital One. It is an absurd situation. They caused it to happen. The least they can do is waive all the junk fees they're charging and fix my credit report. 

I don't know what to say here. I set up online banking and authorized a transfer for the {$55.00} I guess I owe tonight, but as far as I'm concerned that's what I owe. I did not agree to, authorize, or have any knowledge of any of the rest of this. My mail is delayed due to the XXXX. I don't know what they expect from me but this is just absurd. 

Please help. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-06 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: GA

Complaint narrative:
I am a victim of identity theft and this info on my account is incorrect! Please remove these IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06 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: Self Financial Inc.
State: GA

Complaint narrative:
I am a victim of identity theft and this info on my account is incorrect! Please remove these IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights Inquiries : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, Inquiries : XXXX XXXX, Inquiries : XXXX Inquiries : XXXX XXXX XXXX, Inquiries : XXXX XXXX XXXX XXXX I, 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting Act, Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these inquiries ( A ). It is not permissible to fail to validate these reporting inquiries as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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 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 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 XXXXXX/XX/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 explanation
Consumer complaint received 2023-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is a formal complaint to inform you that the account listed below is reporting erroneously & are inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXXXXXX

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