vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) RE : ALLEGED CLOSED / CHARGED OFF ACCOUNT XXXX ( AMEX ) ( XXXX ) RE : ALLEGED CLOSED / CHARGED OFF ACCOUNT XXXX ( AMEX ) BOND REQUIREMENT WITH TEXAS SECRETARY OF STATES FOR DEBT COLECTORS. 

According to Section 392.101 of the Texas Finance Code : - ( a ) A third-party debt collector or credit bureau may not engage in Debt Collection in the State of Texas unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this State as Prescribed by this section. 

The Bond must be in the amount of {$10000.00} ( XXXX XXXX Dollars ). 

On XX/XX/2022, I contacted Texas Secretary of State through its number XXXX to verify if American Express has an active surety Bond with Texas Secretary of State and was told by XXXX XXXX that American Express does not have an active surety Bond with Texas Secretary of States as such your company will be in violation of Section 392.101 of the Texas Finance Code if your company attempts to collect any debt within the State of Texas. 

Also, a search of Texas Secretary of State XXXX XXXX XXXX XXXX DID NOT return any active Bond information for American Express with Texas Secretary of States . I have attached result of my search to this complaint. 

* Please, kindly confirm if American Express has an active surety bond with Texas Secretary of State. 


Trying to collect an alleged debt without having an active surety bond with Texas Secretary of State IS A VIOLATION OF SECTION 392.101 OF THE TEXAS FINANCE CODE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted Experian Rent Bureau in XX/XX/XXXX to request validation for a debt they are reporting I received a response back dating XX/XX/XXXX advising the account was accurate I called to Experian Rent to get a explanation of the form that was sent to and ask if I can something in writing on how they verified the debt the customer service representative advised that they don't half verify anything that they are reporting and took it upon herself to dispute it again I received another letter in XX/XX/XXXX advising that the account that is being reported as accurate so I then again mailed another dispute or around XX/XX/XXXX and have not received nothing back

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 2022-07-30 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: MI

Complaint narrative:
XXXX did a true and accurate investigation and found out this information had to be deleted from my credit report. TransUnion and XXXX did not do a fair and accurate investigation and is still reporting this account as accurate.

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 2022-07-30 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
In XXXX of XXXX, I was coerced to open allow them to open several credit card accounts, to purchase {$2000.00} worth of Gift cards. I had been in communication online with someone that I thought was interested in being my wife. After She had sent me several XXXX pictures of herself, she convinced me to send XXXX of myself. She never asked for money for the XXXX pictures and was speaking to me as if she was going to move to where I live and marry me. I am a high functioning XXXX When my mother saw all the credit cards in the mail, she took actions to stop all the madness. The " girl '' sent the pictures to my mom to try to XXXX her, but my mom still insisted that I block this girl, cancel all the cards. My mom still has the pictures she sent my mom on her phone. The gift cards, were purchased with my XXXX Bank card which I am paying off. 
All the other credit cards canceled the card immediately, except for capital one. I had to make several phone cards to capital one to close the account. Finally, my mom got on the phone and told them that my identity was stolen and that this account needed to be closed. I did not open this card. Before capital one closed the account someone used the card. They opened 10 cards in my name before I froze my credit account through XXXX. I have disputed this through the 3 big credit reporting agencies. I have asked all three credit reporting agencies to freeze my credit. I finally found out that the card was used to purchase, without my knowledge, a XXXX phone at a XXXX store in XXXX California. We found out because XXXX sent us a letter. I am unable to access my Capitol one account and they refuse to send me a detailed statement. Stating that the billing address, and the email are not my billing address or email. I have lived at this address for 2 years, I have lived in Nebraska since XXXX. I do not drive, I am not able to fly on my own. However, Capital One keeps sending a past due amount to my address. Capital One just won't tell me exactly what was purchased. However, as I previously stated, I received a letter from XXXX. We contacted XXXX and learned that a XXXX phone was purchased on the same day as the charge Capital one has verbally told me over the phone that the charge occurred. It is also the same amount as the XXXX phone and XXXX verbally told me that the a Capital One card was used in California to purchase the XXXX phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
XXXX XXXX Account XXXX On XXXX, A company shown as CONVERGENT OUTSOURCING was reported to my credit report per Credit Report. I have never signed an agreement with this company, and Nore have I ever heard of them. Upon further research, the debitor 's creditor did not verify this collection. Also, there was NO written form of communication/contract or written signature for this accused debt at ALL. A bill without a ( written ) signature does not validate the debt as anybody can send an invoice and say it's mine. According to FCRA, this company has violated my rights as a consumer. I'm looking into taking legal action to remove the fallacious account from my credit report immediately! I wanted to see if my dispute could be resolved by taking all necessary steps before taking drastic action.

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 2022-07-30 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: AL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXXt accont XXXXXXXX XXXX XXXX XXXXXXXX, 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 2022-07-30 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: AL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  accont XXXXXXXX XXXX XXXX XXXXXXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: AL

Complaint narrative:
n 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 2022-07-30 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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account name and numbers : XXXX XXXX Account number XXXX, U S DEPT OF EDXXXX Account number XXXX, U S DEPT OF ED/XXXXXXXX  Account number XXXX has violated my rights. 15 U.S.C. 1681 section 602 A, states that I have the right to privacy.

15 U.S.C. 1681 section 604A section 2, also states that a consumer reporting agency can not furnish an 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 2022-07-30 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: AL

Complaint narrative:
n 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 2022-07-30 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: AL

Complaint narrative:
n 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TrueAccord Corp.
State: KS

Complaint narrative:
On XX/XX/2022 This company sent an email to my daughter about a debt they are attempting to collect from me Included in the email were details and account numbers. I had never provided them with her contact information. They have also not notified me about any right to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: NY

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXXXXXX BANK 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 I am writing this COMPLAINT on the following accounts : XXXX XXXX XXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
I disputed this account on XX/XX/2022. This account was deleted by XXXX and XXXX. XXXX refused to delete this inaccurate account. I have been harassed by this collection agency. I did not receive the proof of investigation from XXXX. I am suffering from severe XXXX from this, where I am now taking XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account # XXXX, XXXX, XXXX, 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 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 2022-07-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX, I finally received my replacement debit card edd from Bank of America. A representative helped me activate my card and helped me have access to my account. Bank of America resolved my first claim # XXXX and gave me my {$5200.00} back but I saw that there was a transfer on XX/XX/2022 of {$5000.00} to a debit card XXXX # XXXX. The same suspect did the transfer from the previous fraud that was done in my account. I asked the representative how was that done when I had no access to my account until XX/XX/2022. I was able to see their last 4 numbers of checking XXXX and routing # XXXX. Bank of American never gave me a notification or approval of this transfer. This is the 2nd time that this happens. I reported to the police and filed a 2nd claim.

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 2022-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX Account XXXX On XX/XX/2019, A company shown as CREDIT CORP SOLUTIONS was reported to my credit report per Credit Report. I have never signed an agreement with this company, and Nore have I ever heard of them. Upon further research, the debitor 's creditor did not verify this collection. Also, there was NO written form of communication/contract or written signature for this accused debt at ALL. A bill without a ( written ) signature does not validate the debt as anybody can send an invoice and say it's mine. According to FCRA, this company has violated my rights as a consumer. I'm looking into taking legal action to remove the fallacious account from my credit report immediately! I wanted to see if my dispute could be resolved by taking all necessary steps before taking drastic action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30 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: CA

Complaint narrative:
I did not give my written permission to file anything adverse on my credit report. 

In accordance with The Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681A.States I have the right to privacy.

15 U.S.C 1681A Section 2 : it also states that consumer reporting agency can not furnish a 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 of information, other than records of convictions of crimes which answer dates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person should 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 non-monetary relief
Consumer complaint received 2022-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
my name is XXXX XXXX first of all it started about two years ago i applied for a XXXX XXXX card I recieved it well let me put it this was it came to the address XXXX XXXX XXXX XXXX # XXXX I was a roommate with XXXX XXXX I used his computer to login my EDD claim and I didnt deleat my information off his computer and he sold my information and he reported my XXXX XXXX credit card lost so they sent a replacement card out while i had my card in my wallet so i didnt know that the card in my wallet was cancelled cause i only used it when i need it their were bank accounts morages car loans property cermercial I never been the kind of person who keep up with my credit score because when time got tight i would write a check and i knew that i didnt have the funds to cover it when i try to open an account at diffrent banks they would say that i ready have an account and then they would make up so excuess about something to throw me off

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 2022-07-30 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax states that they finished their investigation on Complaint XXXX ( XXXX XXXX reported as of XX/XX/2020- {$4800.00} ) VERIFYING the information from the original source. According to 15usc 1681 ch3 e ( 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. However, They seem to have obtained their information directly from the creditor. They have not done the proper investigation. I had also hired XXXX XXXX XXXX to write letters asking for and investigation and they had to remove it. I am have XXXX XXXX XXXX send me those letters now in case they are needed.

Company response to consumer: Closed with explanation