vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fait Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) thats against hipaa regulation, 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 2 : it also states a consumer reporting agency can not furnish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
In accordance with the Fait Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) thats against hipaa regulation, 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 2 : it also states a consumer reporting agency can not furnish a account without my written instruction

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 2023-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have continued to receive notifications and letters in the mail from this company in regards to a debt which I do not owe. I have to date sent 3 notifications of cease and desist and also stating that I dispute the merit and validity of the debt they are attempting to collect. They decided to send three letters on the same date XX/XX/2023 in response to my XX/XX/XXXX notification of cease and desist. I received another today dated on XX/XX/XXXX and sent a 3rd notice. 

What they are sending as debt validation is something that they created and it is documented on that letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 U.S.C 1681 sections 602A states HAVE THE RIGHTS TO PRIVACY.

15 U.S.C 1681 sections 604 A sections 2 : It also states a consumer reporting agency CAN NOT furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am making this complaint myself. please do not close this complaint please submit it to the credit reporting agencies. I noticed accounts that do not belong to me on my credit report and i called the companies and i did not authorize these accounts nor did I benefit from them im any way.

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 2023-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received a letter in the mail from capital one, I am working and repairing my credit and I never applied to capital one to try to open anything. I want to take action and want all credit bureaus to be notified. That was not me opening any checking account because I am already with XXXX XXXX  XXXX. I am working on reporting this issue to capital one headquaters and might go get legal support.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
We booked a hotel room using our Capitol One Venture card Rewards points. When we checked out of the hotel, the hotel company charged us for the full amount of the room. We disputed the charge with Capitol One, however they refuse to refund the charge. I have been denied a refund several times so I asked Capitol One to restore my points back to my account if they werent going to refund the charge for the hotel, they have not done this either. I feel I am being taken advantage of as a credit consumer and feel it is my right to receive either a refund for being double charged, or my rewards points returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I visited CHASE BANK and was discriminated against by an NMLS agent # XXXX XXXX XXXX. She prejudged me in violation if title 18 subsection 242, 1985 and judged me based on my skin color, and voice deflection. I was immediately removed from the building without explanation other than her objection to the sound of my voice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
This company was been paid in full in 2022 but still has the payment status listed as collection/charged off and the remarks also payment after charge off/collection Paid profit and loss and does not match across all the credit bureaus either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: MA

Complaint narrative:
HI; RESURGENT/LVNV FUNDING ( ALL ACCOUNTS UNDER MY NAME AND SSN ) : I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
XXXX XXXX, XXXX XXXX THE XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and their affiliates have stolen my identity when I worked a summer job when I was younger for their company and they kept my information and used it against me and used my name, social, birthday for their benefit and deformed my character and misrepresented myself and my family and the community. They opened a credit cards, bank accounts, and mortgages and purged my family and my assets up against the property of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Il XXXX They forged my signature and my aunt 's signature after they entered us into a civil marriage They falsified documents and they put powers of attorney against us to act as our agents They attempted to take over our family business XXXX XXXX XXXX XXXX they acted as if we were doing business as XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX 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 2023-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I dont owe this debt. I have never lived at XXXX at XXXX XXXX and have asked multiple times for proof of a lease with my signature and this collection to be taken off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: TX

Complaint narrative:
This company has has this account listed as closed with days late reporting for 30 and 60 days plus worst rating listed as 60 days. This is inaccurate reporting because the account is listed as closed. I have disputed this account from XXXX without any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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 Fair Credit Report act XXXX Account # 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 2023-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC
State: NY

Complaint narrative:
My common in XXXX XXXX XXXX got a job in XXXX Texas and rented a place by XXXX XXXX Apartments XXXX XXXX XXXX Apt XXXX XXXX, TX XXXX, US. I was a consigner since she was new to XXXX and did not have any previous history renting apartments in the XXXX. We signed a contract on 6 months basis from XX/XX/XXXX. Since this was a new job we were told one month notice needed if something changes. Because of Covid 19, the contract was cancelled on XX/XX/XXXX and my partner was asked to relocate immediately to XXXX. She reported it in the XXXX property management and was told to get a written proof by the manager. We have the proof that was issued on XX/XX/XXXX th. Rent was paid until XX/XX/XXXX plus there was down-payment kept by the property management. However, now I am getting threats by collection agency and the amount of RENTAUTOMETED COLE of 6048 was reported on my XXXX Credit Report. I believe that this is completely unjustified. My partner has not been living on that address since XX/XX/XXXX. The company got one month payment until XX/XX/XXXX th XXXX plus down payment. Please advise!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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. 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, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2023-02-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Dear COMENITYBANK/VICTORI # XXXX ; I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX TO XX/XX/2019. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, and being hospitalized, loss of a family member, and loss of job, etc. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: TX

Complaint narrative:
This is a closed account showing 30 days past due and a worst rating listed as 30 days. This is inaccurate reporting on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
2 payments were made at the same time to 2 different people only one was authorized ( XXXX XXXX ). 

This was for a hair appointment. The 2nd ( unauthorized ) transaction was to a man ( XXXX XXXX ) who helped me move my home back in XXXX! 

It is XXXX! I thought this would be fairly easy to resolve, but this crooked company says the payment was authorized ( even though the receipts and payments at exactly the SAME time to XXXX different people suggest otherwise!!!! ) It isnt difficult to see from the receipts that I would NOT be paying the mover for a hair appointment ( see the images ). 

It should not take all of this to return funds that have been mistakenly removed from someones account. Completely dishonest and unscrupulous!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Equifax has violated my rights. 15 USC 1681 section 602A 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 an account with out my written instructions. In accordance with the Fair Credit Reporting Act consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. At this time Equifax is reporting a collections account with only the account number, date opened and updated along with a balance. There is no other information to show this is a legit account. The account number is XXXX, opened date XX/XX/XXXX, updated on XX/XX/XXXX with a balance of {$480.00}. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
Today is XX/XX/23 and I had called XXXX XXXX  XXXX a month or so ago asking if there was any outstanding balances owed. I was told there was no outstanding balance. I was not informed anything of wether or not the debt may have possibly been sent to a 3rd party collections agency or not. If that was the case, why was I not informed if there was still a debt being owed for that account regardless if it was sold? To my understanding, I do not owe any debt to XXXX XXXX  XXXX. That phone conversation can be pulled up and evaluated for accuracy of my claims. On XX/XX/23 Halsted Financial contacted me via text regarding Check Into Cash loan. It was stated at the end of the text message that " this is an attempt to collect a debt ''. If that is true, I was misinformed by Check Into Cash for falsifying the details of my account with them. Due to this miscommunication, if money is indeed owed then the collections needs to be removed from my credit report immediately upon receiving payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: LA

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 : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, and XXXX XXXX : Account # 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 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 2023-02-11 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: LA

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 : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, and XXXX XXXX : Account # 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 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