vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a well written, legitimate-looking email from Capital One on XX/XX/2022 at XXXX which has my name, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the routing number of XXXX printed at the top of the email. The rest of the email congratulates me on opening this account and provides multiple links to resources, policies, downloading the mobile app, and disclosures at the bottom of the email provide the Capital One phone numbers, hours of operation, and standard important information. I have not now, nor ever, opened an account with Capital One. I XXXX  the number in the email and it returned the Capital One direct customer support line, which leads to me believe this is a legitimate email and that my identity has been stolen. As such, I contacted Capital One 's fraud department and spoke with a gentleman who told me that the only way he could assist me was by me giving him my social security number. Understandably, I was unwilling to give this, and advised him I had my name, email, the routing number or last 4 from the apparent account that was opened, etc. that he could use instead and he hung up on me. Furious, I contacted a local Capital One Cafe, and a lady advised me that fraud can indeed look me up by other information, or that I could go into a local Capital One Cafe for further assistance. I am a single mother of XXXX kids, and on top of that I work XXXX jobs. I don't have time to do that, nor do I live within XXXX miles of one of those establishments, so the request for me to do that when THEY have messed up not doing their XXXX XXXX XXXX  due diligence is laughable. No one will provide me what I need to be able to file a police report, which I am entitled to. I need the XXXX address of the location of who set up the account, information regarding how/when the account was setup, copies of all of the information which was submitted to Capital One to set up this account, etc. Either this company is pulling a XXXX XXXX XXXX XXXX scam and opening accounts for people to meet number goals, or they are assisting someone with fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I opened a XXXX XXXX credit card in XX/XX/XXXX. And was closed at credit Grantors request shortly after. The amount of the debt when account was closed was {$7300.00}. I have a copy on a credit report from XX/XX/XXXX that shows on record until XX/XX/XXXX. 
In XX/XX/XXXX the debt was purchased by Portfolio Recovery Associates who reported the debt amount of {$7300.00} and reset the date of the original debt. I disputed the debt multiple times with all three credit bureaus. XXXX deleted the account but XXXX and XXXX only tell me that they updated the account but no information shows to have been changed. I have also repeatedly requested documentation to validate the increase in the debt amount that occurred when the debt was purchased, years after the account was closed, but Portfolio Recovery Associates has failed to provide any requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was able to resolve a past collection account and that company agreed to submit deletion request to the three credit bureaus. Transunion is the only one that not only still reflects and unpaid balance but opened account. I spoke to a representative several days ago and she stated that the request was received. I spoke with a supervisor who stated other words and wanted to have me speak to someone in the dispute dept. He stated that he saw something where the company sent in but he could not do anything. And it would be resolved in another 30 days. My credit is already jacked up because of the wrong info being reported this is bad customer service

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 2022-05-27 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: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-05-27 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX {$670.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem adding money
Company: U.S. BANCORP
State: TX

Complaint narrative:
In XX/XX/2020, I had unauthorized charges occur on my US Bank Reliacard. I contaced US Bank immediately. The person who did these unauthorized charges was convicted of this crime. I have submitted all requested paperwork US Bank asked for, 3 times ... THREE TIMES SINCE XX/XX/2020. 

I HAVE NOT RECEIVED A SINGLE DOLLAR FROM US BANK TO REIMBURSE ME the {$6800.00} that was stolen off my card. 

XXXX XXXX XXXX ( 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 explanation
Consumer complaint received 2022-05-27 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
XX/XX/22 I am contacted 4-10 times a day with different numbers since this debt was reported on 5/22/22.Contacted Credit Management LP today XXXX resolve the reported debt. They informed me quote : '' Even if you pay the amount in full, we won't remove this from your credit. XXXX XXXX XXXX- who we represent, does not want us to remove the debt. Give your credit card number now so you can pay the amount in full. '' I've contacted XXXX XXXX XXXX, to ensure that when the amount is paid in full- they will remove my reported debt - to no avail : XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX BANK XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2022-05-27 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: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX # XXXXXXXX XXXX  XXXX BANK XXXX, and XXXX XXXX BANK XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: OH

Complaint narrative:
Hello, My credit score has been XXXX for a long time. During this time, I have had only 2 open accounts, a credit age of 6 years, and a poor credit card use of 88 % ( a XXXX XXXX card ). I also had no hard inquiries, no derogatory reports, and my payment history is 100 %. I had a XXXX with all of this information. 

In early XXXX, I had to put {$200.00} on my XXXX XXXX card because my bank card expired and I needed to pay my dentist. I knew I would take a hit on my credit score and I saw that it went down from XXXX to XXXX on XX/XX/XXXX. On XXXX XXXX, it listed the reason for the hit as the credit card balance, but I expected this. So I made an extra {$300.00} payment on the card, expecting the score to go up a bit from XXXX in XXXX ( XXXX XXXX reports my score on the XXXX of each month ). On XX/XX/XXXX, I paid my car payment on time, as always, and that's the other account on my credit score. Nothing about my credit history has changed. 

Yesterday, I was shocked when I saw that on the very day, XX/XX/XXXX, my score went down another XXXX points from XXXX to XXXX. Again, nothing on my account has changed and I have already been punished for the XXXX XXXX issue ( XXXX to XXXX ). I had a XXXX with all my information just the way it is now. I have spoken to two representatives at Transunion over the last two days, and they won't or can't tell me what about my account changed to warrant them dropping my score an extra XXXX points. One told me maybe it's because I only have 2 open accounts, but this never stopped my score from being XXXX. 

I'm hoping you will help me find out who was responsible for the giant drop when the score already dropped XXXX points because of the credit card. The company representatives don't know so why did they do it? And what is to stop them from lowering my score XXXX points whenever they want to? 

Thank you, XXXX XX/XX/22

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 2022-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Improved Data Services LLC
State: GA

Complaint narrative:
On XX/XX/22 at XXXX, XXXX from IDS contacted my mother in reference to a credit card debt. I returned the call and asked that his company not contact her or other family members and to contact me directly. ( She has battled XXXX ) XXXX and another representative state that they would remove the contacts. He offered a debt settlement and I asked for time to see if that would be something I could afford. XXXX gives a deadline of XXXX XXXX each day as the time when " he has to sign off on this. '' He calls at XXXX ( XXXX hours early than said deadline ) the following day demanding that I call to discuss the settlement, XX/XX/22. My husband was contacted even after they were asked to contact me only. IDS was extremely rude to my husband and asked " don't you think you should help your wife? '' XXXX calls again on XX/XX/22 at XXXX am and threatens to continue calling other people to reach me. I did not receive his message until XXXX that day being in an area of bad cellular service. I returned the call and asked that they not contact me again. I confronted XXXX about the conversation with my husband and he denied they ever spoke with him. I have already reached out to the original creditor and will work with them. This bullying, aggressive and harassment by IDS has to be stopped. Some of us feel bad enough that we can not pay our debt, then we are left to deal with nasty, aggressive phone calls from a company that is completely dishonest. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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:
In accordance with the Fair Credit Reporting act 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 : 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 2022-05-27 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 : 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 2022-05-27 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: MA

Complaint narrative:
The Credit bureaus stated the Account ( s ) listed below had been properly investigation but this is clearly fraudulent in nature & clear impossible based on the following fact ( s ) : a. Open Date is inaccurate b. Date Last Active i*s inaccurate c. Date Last Reported is inaccurate d. Payment History is Inaccurate Account : XXXX XXXX : # XXXX - reported on XXXX Account : Collection ( Original Creditor : XXXX  ) this account is XXXX XXXX same account reported on Experian / XXXX This, is immediate grounds The United States Code ( s ) specifically outline regulations which the Credit Bureau ( s ) continue to grossly / negligently do their job for what appears for profit selling said information to vendor ( s ).

a. Violation # 1 : Under 15 U.S. Chapter : 1681 S. 604 A ( Section 2 ) : The law clearly defines that a said consumer reporting agency can not furnish i.e. any said account without incorrectly or without said written instructions.

b. 15 USC 1681 Section 611 ( 2 ) ( a ) : Law Specifically indicates is " any '' said information is found inaccurate or can not be verified the consumer reporting agency ( s ) shall promptly delete the information from the file of the consumer.

See attached copies of Credit Reports numerous factual violations by all credit bureaus which have been updated/ verified to date.

1. Document # 1 : Dated - XX/XX/XXXX XXXX 2. Document # 2 : Dated - XX/XX/XXXX Experian & XXXX 3. Document # 3 : Dated - XX/XX/XXXX XXXX 4. Document # 4 : Dated XX/XX/XXXX XXXX Experian

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 2022-05-27 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: NC

Complaint narrative:
Someone has been trying to fraudulently open up accounts in my names that I didnt have any knowledge of and dont consent to here are the names of the companies and the inquiries date please do whats right and remove these items Experian : 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 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 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 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 2022-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: PA

Complaint narrative:
In XXXX at that time was using XXXX XXXX as my cable company. In XXXX I was moving to another place. So I was in the process of waiting my provider to do XXXX XXXX not have internet. So I paid the last balance off which at the time was {$150.00} and sent in my equipment. When moving to my knew place, in XXXX of XXXX XXXX XXXX  wasnt on my credit report. In XXXX of XXXX I went onto XXXX XXXX to look at my account and seen there was a hit of I C Systems for {$310.00}. I attended to call XXXX XXXX they told me I had a balance. I was told to call IC Systems to make a payment. Spoke with IC Systems they requested that I send information that I made the payment. That was done in XXXX of XXXX. I called back to see what the outcome was. IC systems and XXXX XXXX gave me the runaround. Called XXXX filed another dispute and was also told to call 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 explanation
Consumer complaint received 2022-05-27 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: NJ

Complaint narrative:
I had sent you a certified mail in XX/XX/2022 regarding negative information on my credit report. You had many days to answer my dispute and I have not received any answer. Because of this, you must remove these account that I disputed earlier but you failed to removed accounts that are unverifiable I told you they are not attached to any address of mine so how are these accounts still can be seen here?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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:
In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX {$670.00}

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