vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I requested CAVALRY PORTFOLIO SERVICES , LLC ( `` CPS '' ) to send validation of this alleged debt months ago. I have not received an original contract with my wet signature binding me to this alleged debt. I have never did business with this company, and they are in violation of 15 USC 1681b ( a ) ( 2 ) because they are reporting a collection on my consumer report I never gave them written instructions to furnish anything on my report. We have no dealings at all with them, they have my non-public personal information that I never disclosed to them, that's identity theft. I am requesting proof of current ownership, the forward flow agreement, the aggregated value of purchase of this alleged debt between the original owner and the current owner. They stated that this alleged debt is with a law firm XXXX XXXX  XXXX, I am requesting proof of representation from this law firm just to see if they are really representing cavalry and don't have interest. I demanding all the above to be notarized before I am in receipt of what I requested. While we are disputing this needs to be removed from my report immediately. I am requesting this company to cease & desist, that means all mediums directly and indirectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: IL

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

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

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

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 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
For the last two to three years I've been noticing my credit score go down even after paying off loans and some debt now I'm about to pay off a automobile loan now they recently took XXXX points off my credit these points deductions once again seems to come every time I pay off that I thought credit scores goes up once you pay off debt but mine seem to be going down they tell you to apply for more credit to get your score up even when you apply for more credit they don't give you enough credit so I'd rather not bother with new credit cards because of that fact credit card companies are not being honest leaving me to send the card back and telling them I don't want it because the information that they send to me are misleading and now I'm starting to believe these credit card companies along with credit reporting agencies believe that if you XXXX and low income that you have to have bad credit and that's the level that these credit card companies and these credit reporting agencies are putting me on that level with these everyday of deduction of my credit score meaning I'm not going to be able to get anything and I'm not doing nothing wrong but paying my bills on time as agreed with the company that I signed for and have the debt with as I see my credit went from very very good to good what's now put me on a c level when I apply for credit or a loan I need it and I will pay it if it's worth my time these credit reporting agencies are forcing me to pay their way I'm asking that CFPB find a reason why my score is constantly going down after paying bills on time I have nothing bad on my credit they told me that my XXXX score is XXXX and that's what creditors go by but I'd rather see my points go up then in numbers then to see a XXXX score once again I'm getting ready to pay off my final vehicle loan and once again they will take points just to keep me from getting ahead in life and it seems to me it's just a waste of time having credit in the first place if they going to take it away after your hard-earned work that you put in to keep a good credit score what's the use of having credit in the first place these credit reporting agencies need to know it's called move forward not backwards and the way things look these credit credit reporting agencies are sending me backwards and that's not good

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 2022-10-19 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: OH

Complaint narrative:
I lost my job and am currently experiencing financial hardship. I made a banking error on my end and made a payment out of an account that didnt have enough to cover the automatic payment on XX/XX/XXXX. I did not know my error, until the payment was returned. I knew I had funds coming into my account around the middle of XX/XX/XXXX, so I waited to repay the minimum payment to be sure it cleared. I had a late fee waived in XX/XX/XXXX, as I lost my job due to Covid 6 months prior and was again trying to replace income and was struggling. Its been a struggle in this economy and I havent quite recovered from the XXXX Covid era financially. I called Capital One this during every financial hardship over the last year and a half when I needed to. They typically dont seem to care to help. The first representative I talked to today on XX/XX/XXXX, said the system decided what fees will be refunded and she couldnt help me further. I asked to escalate the issue then I spoke with her supervisor, who flat out was not empathetic, he said he was, but he was saying the words with no action to back it up. He said I would have to take the hit for breaching the card agreement on a late payment that was returned. Nothing he could do and it couldnt be escalated further. Due to the rolling 12 month fee reversal protocol. His tone and everything in between was just following protocol, he didnt care and didnt care to go to bat to help. I was not rude or disrespectful, but upset! He said next time I need to be proactive instead of reactive and then maybe Capital One could work with me. Ok. I wouldnt be surprised if there are lawsuits coming about for fees and the unwillingness to help their customers especially during financial hardships! Almost every other financial institution are taking steps to protect customers from fees during these times which are unprecedented and a lot of consumers are struggling already! They are waiving or working on refunding fees, but not Capital One. I think its crazy they wouldnt refund a {$25.00} fee, knowing Im struggling financially and I havent had one refunded in 11 months, but just missed the cutoff for the rolling 12 months fee reversal system determinations they use and the supervisor was unwilling to escalate further and continued to be absolute on his unwillingness to help me the consumer who is struggling!! He also said he was the highest escalated person I could talk to and he would notate my account of my disagreement with his decision.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JP Morgan Chase bank is stealing money from me via unexplained credit card fees which I did not agree to. I created a payment plan to pay off a large purchase which they said will be interest fee, I have done this with other financial institutions before and never had a problem However, Chase has started charging me monthly fees for the payment plan, this is tantamount to FRAUD because chase is now charging the same interest which they said will NOT be charged if a payment plan was created via a monthly fee. When I asked them to cancel the plan they refused and said it can not be done, they refuse to refund the fees that they are ILLEGALLY charging and which I did not know off JP Morgan Chase has been getting away with these crimes for a long time and it is time that the Government does something about them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: CT

Complaint narrative:
This company calls me several times daily I have over 37 calls and told them many times to STOP, they are claiming I have and account with them which I never authorize any thing with this company Harris & Harris

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Source Receivables Management LLC
State: KS

Complaint narrative:
Name of Company : Source Receivables Management Amounts : N/A Dates : last date XX/XX/2022 Actions Taken : For 3 years this company has been calling our cell phone looking for someone by the name of XXXX. Each time they were told that this person was unknown to us. Then 3 months later we receive another call from them, from a different phone number, but the company name was still the same. We have requested that these calls cease, however, after XXXX XXXX years of this I contacted them after they hung up in my face when I requested their address. Again today they called again and I was able to obtain their address after they once again called. This is harassment for one, this person is not known to us for two, and I was a debt collector for 13 years and am aware that once a collection agency is advised to cease communication and that this is a wrong number-that they are to no longer call. I even spoke with XXXX XX/XX/2022 who stated she was a manager and she refused the address. I am tired of these calls and would like to know how to sue them. This has gone on for way to long.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: Continental Finance Company, LLC
State: NC

Complaint narrative:
This is about the Consumer Credit Transaction initiated on XX/XX/2020, with the financial institution XXXX executed by way of signing an Agreement ( Document ). As per 15USC 6827 ( 3 ) The term document means any information in any form.

The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing. 
In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt-out, The institution XXXX furnished my nonpublic personal information to nonaffiliated third parties ( i.e. XXXX, XXXX, & XXXX ). 
According to 15 USC 6809 ( 4 ) ( A ). The term nonpublic personal information means personally identifiable financial information : 1. Provided by a consumer to a financial institution 2. Resulting from any transaction with the consumer or any service performed for the consumer ; or 3. Otherwise obtained by the financial institution Further pursuant to 15 USC 6809 ( 5 ) the term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. Therefore, as per the literal interpretation, the organization named XXXX, XXXX, and XXXX are nonaffiliated third parties and the institution XXXX has violated the provisions of 15 USC 6802. In case the Company XXXX admits that the organization named XXXX, XXXX, and XXXX is affiliated, it has still violated the provisions of FCRA ( Fair Credit Reporting Act ). Under 5 USC 1681a ( d ) ( 2 ) ( A ) ( ii ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control. Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons. Therefore, the Company XXXX  has not only infringed my right to privacy but also violated multiple Federal Laws.

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 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
They have an a.k.a listed on my report that I am not known as. XXXX XXXX, this name needs to be removed. I am only known as XXXX XXXX or XXXX XXXX. XXXX is my maiden name. 

They have two inaccurate addresses listed on my consumer report that should not be on there, and that I requested be removed : XXXX XXXX XXXX XXXX, TN XXXX and XXXX XXXX XXXX XXXX, TN XXXX. I haven't lived in those addresses nor have I been associated with them. 

This inaccurate needs to be removed.

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 2022-10-19 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: CITIBANK, N.A.
State: MN

Complaint narrative:
I had fraudulent charges on my account that I did not get any notice about. I was notified prior about an attempt of XXXX that I did make but nothing about the fraudulent charges I did not make! I contacted the bank who said they would file a claim and I would receive credit. It's now been open 3 weeks tomorrow and I have not received any credit or any update on anything. I called last week and try said they would submit a ticket for the credit and an update, I received neither! Today I called and they said there was no update and that there was no case number ever opened, which I never received communication about. I have things I need to pay for, my mortgage check was returned, and I am out of money that I worked hard for. No one has contacted me and I have not received any update about anything. They allowed my account to be used and taken advantage of and no help from them!!! Now they want me to do another claim and for my waiting period to start! This is ridiculous.

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 2022-10-19 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: Early Warning Services, LLC
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of credit report below.

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: NJ

Complaint narrative:
As of XX/XX/2022 credit reporting agency Transunion continues to violate my federally protected rights under the Fair Credit Reporting Act 15 USC 1681 by reporting fraudulent consumer credit transactions that are due to identity theft. 15 USC 1681c-2- Block of information resulting from identity theft states that except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 days after the date of receipt by such agency of - ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Having this knowledge Transunion needs to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy by immediately blocking the accounts that are a result of identity theft from my Transunion consumer credit file and report. The purpose of the Fair Credit Reporting Act is to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of 15 USC 1681. I have attached all requested proof of identity, a copy of identity theft report and notarized identity theft affidavit, identification of the identity theft information that appears on my Transunion consumer credit file, and a statement by me the consumer that the information is not information relating to any transaction by me. 

I AM A VICTIM OF IDENTIY THEFT!

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 2022-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX  is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts Southwest Recovery Services Plus XXXX or XXXX XXXX XXXX I want all collection accounts deleted asap! they do not belong to me and Ive provided this company proof over 3 times. they should provide proof of evidence of Me in actual person signing the legal contract of the debt owed. they have no recorded phone call or inperson transaction of me opening this account. if they can not provide proof this account should be deleted I am a victim of identity theft.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation