vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/XXXX I was shopping at XXXX store in XXXX XXXX XXXX I was making a big purchase and so the cashier recommended that I sign up for a card to get a big discount on the purchase. she had me sign on a little pad and I didn't understand what I was signing. I did not end up getting the discount, she said my authorization was denied or pending or something like that. I never received any card. I purchased the items without any card or discount and left the store. I did not understand there would be a hard credit inquiry. I thought the transaction was canceled when I left the store.

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 2024-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Asset Recovery Solutions, LLC
State: NC

Complaint narrative:
Company claims I have a debt that has been sent to collections. I have no knowledge of debt. When I attempted to call, a man asked if I was a different person. When I said no, they hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
all three credit agencies are unfairly decreasing my credit score I thought to earn a good credit score you paid on time or paid off your debt. I have tried over the last few years to get my credit in order pay on time and it seems I am doing all for nall it is unfair to cruelly be unfairly penalized for paying off or on time when there is no reward I don't understand why there is a company that judges you for doing the right thing but penalized you for doing so and to keep a disputed account over XXXX XXXX years old on your account that is negative in which I have disputed for years with no results

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 2024-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Today XX/XX/year> its approximately XXXX. I contacted Capital One and I asked the representative three times to transfer me to an onshore representative and I was denied. That is XXXX XX/XX/year> its approximately XXXX. I contacted Capital One and I asked the representative three times to transfer me to a onshore representative and I was denied that is a violation because as a consumer when you ask to be transferred to our own shore representative, theyre supposed to do that and I was not done and the phone calls. I recorded a monitor

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: MO

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and to request that the following accounts and inquiries be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were fraudulently opened or otherwise compromised due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: FL

Complaint narrative:
I am writing to inform you that I am a victim of a data breach. As a result, I request that the following fraudulent accounts and inquiries be blocked and deleted from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were not authorized by me and should be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-08 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: TX

Complaint narrative:
I am filing this dispute regarding the following accounts, which remain unverified despite my repeated efforts : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX On XX/XX/year>, I notified the alleged collection agency of their FCRA and FDCPA violations via a CFPB complaint ( # XXXX ). The CFPB has since informed me that the companys response is overdue, and I have attached their email confirmation for reference. 

Under the FDCPA, I requested : Explanation of the account balance.

Full payment history and audit trail.

Documentation of my consent to this debt and its reporting.

Proof of authorization to collect in my state.

Chain of custody, master bill of sale, purchase agreement, and promissory note for the alleged debt.

Despite allowing ample time, none of these items were provided. The lack of response is a clear violation of FCRA ( 15 U.S.C. 1681 ) and FDCPA regulations. Reporting unverifiable information is prohibited, and failure to validate these accounts obligates their removal from my credit report.

I demand the immediate deletion of the aforementioned accounts. Continued non-compliance will result in legal action for monetary damages as permitted under federal law.

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 2024-12-08 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: LA

Complaint narrative:
I am writing to formally notify you that I am a victim of a recent data breach and am requesting that the following accounts be blocked and deleted from my credit report as required by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Under 15 USC 6802, a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the following conditions are met : The institution provides a clear and conspicuous disclosure to the consumer, in writing, electronically, or through another permitted form, stating that such information may be shared with third parties. 
The consumer is given the opportunity, prior to the initial disclosure, to opt-out of having their information shared. 
The institution provides an explanation of how the consumer can exercise this opt-out right. 
In this case, the financial institution failed to inform me of my rights or provide the required disclosures to protect my privacy. Furthermore, I have become aware that my personal information was compromised in a data breach, representing another significant violation of my privacy rights.

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 2024-12-08 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: Netspend Corporation
State: CA

Complaint narrative:
on XX/XX/year> at XXXXXXXX XXXX I placed a order on XXXX for a XXXX laptop in the amount of {$2200.00}. On XX/XX/year> at XXXX XXXX sent me a XXXX XXXX Cancellation Notice letting me know that my order that was confirmed originally has been cancelled. I than assume XXXX is gon na refund me and I should get a refund back to my card within 7-10 business days, days go by and I dont see my refund back. I try emailing XXXX back but there email is not monitored, they dont have a phone number so I was out of luck on how to get my refund returned for this canceled order I purchased thru guest checkout. After attempting to work this issue out with the merchant and failing I than file a dispute with my bank. I send my bank the cancellation notice I even forwarded them the email that XXXX sent directly to me to there dispute resolution team and my bank failed me as a customer and denied my claim and accused me of suspicious claim activity so they would not have to assist with this issue. I than call my bank reach out and attempt to file an appeal because this dispute denial doesnt make any sense what so ever. My bank said they were gon na schedule a call back for a dispute analysis to discuss with me about appealing but they lied about that too they never contacted to me back they never did anything but ignore my situation.

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 2024-12-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via mail dated XXXX, XXXX. While checking the above report, it came to my notice that your Company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of informa- tion regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the al- leged debt ) by the Company will amount to Communication as per Fair Debt Collection Prac- tices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your ac- knowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication with XXXX XXXX XXXX XXXXXXXX because there is no FEDERAL OR GOVERNMENT LAW STATING IT IS MANDATORY TO TALK TO A THIRD PARTY a lawsuit will be commenced against you.Remove this account from my consumer report asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: DC

Complaint narrative:
I requested information from the debt collector. They had XXXX accounts for me. I discovered the debt was a result of fraud and my credit cards being stolen. The company found fraud on XXXX and never investigated the other. 

They continue to text me often and send emails and report inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-08 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: OH

Complaint narrative:
XX/XX/XXXX TO XXXX, EQUIFAX AND XXXX Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open XXXX XXXXXXXX accountS IN MY NAME. I did not open or authorize this account, and I therefore request that it be closed immediately. 

I am writing to dispute fraudulent charges on my account and my XXXX, EQUIFAX, AND XXXX credit report file. I have attached a copy of the report I received. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed. 

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX, {$770.00} Closed Balance {$770.00} Credit limit {$300.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) ( XXXX ) XXXX XXXX Reported : XXXX XXXX, XXXX Closed Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX Charged off account ( XXXX ) XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Charge-off ( XXXX ) XXXXXXXX XXXX ( XXXX ) XXXX Charge-off/Collection XXXX XXXX, XXXX ( XXXX yrs, XXXX mo ) {$2500.00} XXXX ( XXXX ) XXXX Opened XXXX XXXX, XXXX XXXX, EQUIFAX AND XXXX HARD INQUIRIES hard inquiry not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorized these merchants to do a hard inquiry on my credit report, an unknown person violated my identity, I did not open those credit cards in my name, and I did not open any car loan in my name and those collections accounts do not belong to me. I did not open an account XXXX XXXX XXXX XXXX amount XXXX phone number XXXX XXXXXXXX XXXX XXXX XXXX XXXX  amount XXXX phone number XXXX. 

I AM A VICTIM OF IDENTITY THEFT, AND I DID NOT MAKE THIS CHARGE NOR OPEN THESE ACCOUNTS. I AM REQUESTING THAT THE CHARGE AND ACCOUNTS BE REMOVED. 

ENCLOSED ARE COPIES OF A POLICE REPORT AND IDENTITY THEFT AFFIDAVIT SUPPORTING MY POSITION. PLEASE INVESTIGATE THIS MATTER AND CORRECT THE FRAUDULENT CHARGES AS SOON AS POSSIBLE. 

IN ADDITION, AS A VICTIM OF IDENTITY THEFT, I AM REQUESTING THAT YOU PROVIDE ME WITH COPIES OF ANY APPLICATIONS AND BUSINESS TRANSACTION RECORDS RELATED TO THE FRAUDULENT ACCOUNTS. I AM REQUESTING ALL SIGNED CONTRACTS THAT I SIGNED FOR THESE ACCOUNTS. THE COPIES OF THE RECORDS CAN BE MAILED TO ME AT THE ABOVE ADDRESS. 

IN ADDITION, I HAVE MADE A COMPLAINT TO THE CITY OF XXXX POLICE DEPARTMENT. 

SINCERELY, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-08 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XX/XX/XXXX TO EXPERIAN, XXXX AND XXXX Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open XXXXP XXXX accountS IN MY NAME. I did not open or authorize this account, and I therefore request that it be closed immediately. 

I am writing to dispute fraudulent charges on my account and my EXPERIAN, XXXX, AND XXXX credit report file. I have attached a copy of the report I received. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed. 

XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX, {$770.00} Closed Balance {$770.00} Credit limit {$300.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) ( XXXX ) XXXX XXXX Reported : XXXX XXXX, XXXX Closed Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX Charged off account ( XXXX ) XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Charge-off ( XXXX ) XXXXXXXX XXXX ( XXXX ) XXXX Charge-off/Collection XXXX XXXX, XXXX ( XXXX yrs, XXXX mo ) {$2500.00} XXXX  ( XXXX ) XXXX Opened XXXX XXXX, XXXX EXPERIAN, XXXX AND XXXX HARD INQUIRIES hard inquiry not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorized these merchants to do a hard inquiry on my credit report, an unknown person violated my identity, I did not open those credit cards in my name, and I did not open any car loan in my name and those collections accounts do not belong to me. I did not open an account XXXX XXXX XXXX XXXX amount XXXX phone number XXXX XXXX national XXXX XXXX XXXX amount XXXX phone number XXXX. 

I AM A VICTIM OF IDENTITY THEFT, AND I DID NOT MAKE THIS CHARGE NOR OPEN THESE ACCOUNTS. I AM REQUESTING THAT THE CHARGE AND ACCOUNTS BE REMOVED. 

ENCLOSED ARE COPIES OF A POLICE REPORT AND IDENTITY THEFT AFFIDAVIT SUPPORTING MY POSITION. PLEASE INVESTIGATE THIS MATTER AND CORRECT THE FRAUDULENT CHARGES AS SOON AS POSSIBLE. 

IN ADDITION, AS A VICTIM OF IDENTITY THEFT, I AM REQUESTING THAT YOU PROVIDE ME WITH COPIES OF ANY APPLICATIONS AND BUSINESS TRANSACTION RECORDS RELATED TO THE FRAUDULENT ACCOUNTS. I AM REQUESTING ALL SIGNED CONTRACTS THAT I SIGNED FOR THESE ACCOUNTS. THE COPIES OF THE RECORDS CAN BE MAILED TO ME AT THE ABOVE ADDRESS. 

IN ADDITION, I HAVE MADE A COMPLAINT TO THE CITY OF XXXX POLICE DEPARTMENT. 

SINCERELY, 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 2024-12-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: WI

Complaint narrative:
Throughout the last two months, I have been trying to tell this debt collection company that I dont owe the amount of money. XXXX is saying that I owe and XXXX was supposed to send me a bill detail of what I owe because they told me a different amount on the phone which was {$210.00} and I paid XXXX of that so I should only owe them {$110.00} which I was waiting on the bill because this new debt collector Sent me an email theyve never called me but they sent me an email saying that I owe XXXX and something dollars I dont owe XXXX and something dollars, which is why I was requesting the bill and I still have not received a bill from XXXX or a copy of the bill from the debt collector XXXX tried sending it to another debt collection agency before this one I was able to approve that they never sent me a bill detailing or showing how they got this amount that theyre saying that I owe them and so that XXXX collector kicked it back to them because I disputed it . I tried disputing it with this debt collector, and they never replied to my dispute at all they put it on my credit report the reason we got rid of XXXX was because there was no service XXXX. My son kept getting errors. No one was able to contact him. He wasnt able to dial out most of the time because the service was always down and people could not call in you would just get a voicemail. I talked to XXXX about this multiple times. They did not fix the issue. Thats why we poured it over to XXXX XXXX XXXX where he would get better service. My son works from his phone doing landscaping so he hast to have access to a phone that works after dealing with this for two years, I told XXXX multiple times they never fixed it just like they didnt fix my other lines and so we had to just be done and then leave XXXX alone and because of that now theyre trying to falsify how much was owed on this account we went from paying XXXX and some dollars to pay almost {$200.00} a month and they couldnt tell me why we had no changes added to the bill or anything no upgrades on phones or nothing. It was one phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation