vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Per CFPB Complaint # XXXX Penfed # XXXX Credit Card XX/XX/year> I never authorize this credit card to be closed at all. I called several times to unlock the card for an authorized charge, and no one could assist with my request. 

Per the Company Response : responded STATUS Company responded on XX/XX/year> RESPONSE TYPE Closed with non-monetary relief Dear XXXX XXXX, This letter is in response to your complaint filed with the Consumer Financial Protection Bureau ( CFPB ). It was forwarded to Pentagon Federal Credit Union ( XXXX ) on XX/XX/year>. We will provide a copy of this response to the CFPB. I appreciate the opportunity to address your concerns regarding your PenFed Power Cash Rewards credit card. On XX/XX/year>, and XX/XX/year>, we mailed you notices letting you know that your account would be closed due to inactivity on XX/XX/year>. Per your request, we reopened your account on XX/XX/year>, and ordered new cards for all cardholders on your account. I hope our actions have resolved your concerns. Thank you for being a valued XXXX member. Sincerely, XXXX XXXX Senior Vice President Payment Product Operations

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 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: NJ

Complaint narrative:
I am writing to file a complaint regarding an attempt to collect a debt that is a result of identity theft. The original creditor is listed as XXXX XXXX. However, I have never had any dealings with XXXX XXXX. and do not have any accounts with them. Despite this, a collection agency ( MRS BPO , LLC ) is attempting to collect this fraudulent debt on behalf of XXXX XXXX. 

The collection agency 's attempts to collect this debt are causing significant stress and concern. I believe this account has been created fraudulently due to identity theft. 

A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practice. According to the FDCPA, Im entitled to XXXX dollars per violation and clearly, they violated my rights. 
I request that the investigate this matter and take appropriate action to ensure that the collection agency ceases its attempts to collect this fraudulent debt. Additionally, I request assistance in ensuring that XXXX XXXX. acknowledges this as a case of identity theft and takes the necessary steps to rectify the situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Did not consent to or authorize 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

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 2024-07-15 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I was approved by the salesman XXXX, I have this proof in texting he send XXXX $ he said he's manager wanted to deliver the car that night to miami XXXX it was XXXX. The text especified everything ok, just need a signature, he also texted it was going to be a soft pull, but I wanted to drive the car first, how much was my finance fee.and I told them major banks don't finance cars 10 years or older.they whent ahead to XXXX  XXXX XXXX, XXXX XXXX, twice.when I went to dealer, he said my score wasXXXX good, they ask me for my phone and they took it in the back, while XXXX and I were talking about XXXX away, when the brought my phone back I've seen 7 inquiries. I told them to stop, the messed my credit up. I have a membership with expiriant credit bureau they could help me, I asked XXXX XXXX if I can walk into XXXX  XXXX cafe and show them proof of the text messages they said no, I said can I open a bank account they said yes, why not look at the proof of my allegations I have 2 cards with XXXX  XXXX never been late, or problems. That's not fair. I'm a person that don't make much, but I try my best.thank sir or ma'am.

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have requested information pertaining to these inaccurate accounts thats reporting on my consumer file. The credit reporting agencies along with the original creditor has not provided me with the information that I requested within the 30 days thats required per the FCRA. I have written multiple letters with the attempt to correct these inaccurate items to no avail. Can you please help me with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
1-XXXX XXXXXXXX XXXX XXXX am unauthorized purchase made online at XXXX XXXX XXXX for {$1000.00} using my Capital One Card. 

2- Capital One messages my phone re such charge. I call, dispute charge, and lock card. While on phone, another charge of {$870.00} came in, disputed such. 

3- XXXX, picked up merchandise, when store opened, and then attempted to return for XXXX XXXXXXXX XXXX XXXX put {$1000.00} back into my card. 

4XXXX XXXX XXXX sends me new card, and credits my act for {$870.00} on or about XX/XX/year>. 


5-On XX/XX/year>, a complaint was filed with the XXXXXXXX XXXX XXXX XXXXXXXX where at least the second purchase was made. 

6- On XX/XX/year>, a {$870.00} was charged back to my card. On XXXX, XXXX XXXX, I called Capital one requesting explanation. Several Calls later, getting transferred from XXXX dept to another, I was advised " the merchant provided documentation that charge is valid '' and the remaining explanation, after several requests to repeat, could not be understood. I requested to be provided with merchant 's documentation, and Capital one refused. 

XXXX On XX/XX/year>, I called XXXX XXXX XXXX XXXX spoke with manager, requesting details, he stated, he was aware of case, and fraudster returned merchandise and it was credited to his XXXX XXXX account, and the police are investigating. Manager, was vague, would not answer specific questions, and deferred to the police dept. I was not able, eg forgot to ask, what kind of documentation was provided to Capital one to reverse the credit, when he stated, that the fraudster returned merchandise and money went into his personal XXXX XXXX account. AND NOT THE CARD WITH WHICH PURCHASE WAS MADE, AS IN THE CASE OF THE FIRST, {$1000.00} PURCHASE. 

8- IT APPEARS CAPITAL, CONTRARY TO FEDERAL LAW, CHARGED MY ACCOUNT FOR UN AUTHORIZED PURCHASES, REFUSES TO PROVIDE DOCUMENTATION FROM MERCHANT, IN ESENSE IS STEALING FROM ME, AND IS COMPLICIT IN THE CRIME. 

9. I HAVE ENDURED MUCH STRESS AND SPENT AN INORDINATE AMOUNT OF TIME, AND NOT ABLE TO DAY TRADE STOCKS DUE TO ABOVE, HAVING BECOME DIZZY WITH CAPITAL ONES, STONEWALLING AND INCOMPETENCE, FOR WHICH I WILL SEE COMPENSATION IN COURT. EG TREBLE DAMAGES AS WELL AS PUNITIVE. NOT A THREAT, BUT A LEGAL REALITY. 
10- I WILL BE CLOSING THE ACCOUNT WITHIN A WEEK.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kinum, Inc., Indianapolis, IN Branch
State: LA

Complaint narrative:
I emailed Kinum Inc at their provided email address ( XXXX ) on XX/XX/year> at XXXX XXXX XXXXXXXX to revoke my authorization for them to charge my credit card on file. I have been trying to rearrange my funds so that I could pay it with a different card, but that card hasnt arrived yet. They did not honor that request and still continued to attempt to charge my credit card. After failed attempts to reach them on the phone ( the line just kept ringing ) I emailed them again on XX/XX/year>, forwarding my original email, and reiterated that my authorization had been revoked back on XX/XX/year>, but still no response and my card was still attempting to be charged. I finally got in touch with someone on XX/XX/year> and they forwarded me to a manager who wasnt there and went to voicemail. I called back, and was transferred to XXXX XXXX who admitted, on a recorded line, that they received both emails, but that only today did they finally cancel payments on my credit card. I requested for that information to be sent to me in writing and she refused. She said she was going to transfer me to her manager, then she hung up on me. I called back and asked to actually be transferred to her supervisor and thats when I spoke with XXXX XXXX who also confirmed receipt of my emails, but also refused to provide any documentation stating that they received these emails, but that the cancellation of payments wasnt done until today, XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Today ( XX/XX/XXXX ) I received a notice that my Bloomingdales AmEx credit card interest rate was going up to 34.49 % effective XX/XX/XXXX. The current rate is an already super high 31.99 %. I called to inquire why the rate was unexpectedly going up when interest rates are expected to be going down. I was told Bloomingdale 's uses the prime rate ( 8.5 % on XX/XX/XXXX ) plus an " adder. '' In this case the Bloomingdale 's so-called " adder '' is 25.99 % ( i.e., XXXX + XXXX = XXXX ). I was also told by the very pleasant customer service person that the new rate could not be changed. 

This is an exorbitantly high and unreasonable interest rate when other reputable credit cards use interest rates around 23 % or 24 %. Why is the Bloomingdale 's credit card interest rate so high? 

I have been a loyal customer of Bloomingdales for decades. Although I don't pay credit card fees per se because I pay my bill in full, other customers do pay these fees. My conclusion is that Bloomingdales is taking advantage of its loyal customers by charging outrageous fees. I think Bloomingdale 's should consider " lowering '' its credit card interest rate and perhaps consider changing some of its other business practices to lower costs.

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I do not have a contract with the current creditors. Please remove the following accounts 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 explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: NY

Complaint narrative:
I received a bill for {$110.00} from XXXX XXXX XXXX dated XX/XX/XXXX saying that I had a balance that " remains unpaid for services provided on XX/XX/XXXX and that prior attempts to communicate with you have not generated a plan to resolve the past due balance '' and that the bill would be sent to collections if not paid within 30 days - however this was the first bill I had received from XXXX. I paid the bill in full on XX/XX/XXXX through my XXXX provider, but I then received a letter from Phoenix Financial Services dated XX/XX/XXXX saying that my bill was now in collections! Phoenix 's letter also said the amount I owed was {$130.00}, which was wrong. Phoenix 's letter also shows that XXXX had sent the debt to collections less than 30 days after they had mailed me their first bill, inconsistent with what they had written in their bill. 

XXXX 's bill also did not have a clear date written on the bill. I had to decipher some obscure coding at the bottom of the bill to figure out when the bill had been generated. 

I called XXXX on XX/XX/XXXX to ask what the status of my balance was, but they refused to tell me, saying I could only speak with Phoenix Financial Services because the debt had been sent to collections. I had verified with my XXXX provider that my payment to XXXX had cleared before I called XXXX, but XXXX would not tell me the status of my bill. 

I filed a dispute on Phoenix 's website on XX/XX/XXXX. I did not call Phoenix because I don't want them to have my phone number, because they have a reputation of unethical communication practices. 

I did not hear back from Phoenix after filing the complaint, so I filed another one with them on XX/XX/XXXX, the content of which I have attached to this CFPB case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There numerous inquiries that I never authorized which is fraudulent! 

XXXX. COAF XXXX 
Date reported XXXX XXXX XXXXCOAF XXXX
Reported XXXX XXXX XXXX  COAF XXXX  Reported XXXX XXXX
4. COAF XXXX  Reported XXXX XXXX XXXX Capital one bank USA na XXXX XXXX  capital one Dr
Reported XXXX XXXX XXXX. Capital One bank
XXXX  XXXX  capital one Dr
Reported XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting 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: TX

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I have requested information pertaining to these inaccurate accounts thats reporting on my consumer file. The credit reporting agencies along with the original creditor has not provided me with the information that I requested within the 30 days thats required per the FCRA. I have written multiple letters with the attempt to correct these inaccurate items to no avail. Can you please help me with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: MI

Complaint narrative:
Regarding bankruptcy records case numbers XXXX, XXXX, XXXX, XXXX and XXXX This is Willful non compliance How did you get this information, and paperwork that supports this claim Bankruptcy courts do not report bankruptcies I have previously disputed with you and in response you VALIDATE the items as accurate stating that you have validated the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: VA

Complaint narrative:
An unknown person fraudulently opened a XXXX Cash.App account in my name, and a Cash.App debit card was sent to my correct home address. 

I immediately called the number on the Cash.App website to alert them to the fraud, and to request the card be closed.

First, the Cash.App account service agents hung up on me twice, and then refused to close the account unless we provided additional information which we did not feel comfortable providing to a company that was already proven to allow fraudulent account activity. When I requested to be connected to a supervisor, the agent refused to connect me because " I do not have an account. ''

Company response to consumer: Closed with explanation